MEMORANDUM OPINION AND DECISION
RONALD H. SARGIS, Bankruptcy Judge.
On October 4, 2012, Robin Teresa Martin ("Plaintiff) commenced this Adversary Proceeding for a determination that the lien, encumbrance, and interest asserted by CitiFinancial Services, Inc. ("Defendant"), in real property commonly known as 41 Monarch Drive, Oroville, California (the "Property") pursuant to a deed of trust ("Deed of Trust") are void and of no force and effect. The default...
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