SHEDD, Circuit Judge:
Christopher M. Covert, Thomas E. Haworth, Carol J. Haworth, Kifle Ayele, and Dwan L. Brown (collectively "Plaintiffs") each separately filed a petition for individual bankruptcy under Chapter 13 in Maryland in 2008. LVNV Funding, LLC ("LVNV") and its affiliated companies (collectively "Defendants") held an unsecured claim against...
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