MEMORANDUM OPINION AND ORDER
KATHLEEN H. SANBERG, Bankruptcy Judge.
The court held a hearing on cross motions for summary judgment in the above adversary proceeding on April 2, 2014.
Jacqueline Williams appeared on behalf of the plaintiff, Nauni Jo Manty, chapter 7 trustee. Michael Kreun appeared on behalf of the defendant Flagstar Bank FSB. Camissa Abbot (formerly Camissa Colas) appeared pro se. Jayme Bougie appeared pro se.
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