OPINION
MARKELL, Bankruptcy Judge.
I. FACTS
The facts of this case are not in dispute, and they present a common pattern. On August 30, 2005, the debtors bought a 2005 Toyota Camry for $19,500, borrowing $18,020 of the purchase price from USAA Federal Savings Bank ("USAA"). They granted USAA a security interest in the car to secure their loan.
On September 15, 2005, to perfect its security interest, USAA filed an initial application for...
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