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This document presents the findings of fact and conclusions of law related to the adversary proceeding between Gail A. Korbe and the U.S. Department of Housing and Urban Development concerning the avoidance of HUD\'s lien on the debtor\'s property under Chapter 13 of the Bankruptcy Code. The court ruled in favor of the debtor, granting summary judgment that HUD\'s claim is wholly unsecured and its lien is void.
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