Penfound

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION JOHN S. PENFOUND and JILL L. PENFOUND, Appellants, v. Case No. 18-13333 DAVID Wm. RUSKIN, CHAPTER 13 HON. AVERN COHN TRUSTEE, Appellee. __________________________________/ MEMORANDUM AND ORDER AFFIRMING THE DECISION OF THE BANKRUPTCY COURT1 I. Introduction This is a Chapter 13 bankruptcy appeal. Appellants John and Jill Penfound (Debtors) appeal the bankruptcy court's order confirming a repayment plan. Specifically, the Debtors challenge the bankruptcy court’s determination that Debtors may not exclude their voluntary…