DONALD L. CORBIN, Associate Justice.
We are presented with a question of law certified to us from the United States Bankruptcy Court, Eastern District of Arkansas, in accordance with Ark. Sup. Ct. R. 6-8 (2010), and accepted on January 21, 2010. Wetzel v. Mortgage Elec. Reg. Sys. Inc., 2010 Ark. 31, ___ S.W.3d ___ (2010) (per curiam). The question certified is
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