In re: Mark Hamming and Margaret Hamming

UNITED STATES BANKRUPTCY COURT WESTERN DISTRICT OF MICHIGAN In re: Case No. 21-01475-swd MARK HAMMING and MARGARET Hon. Scott W. Dales HAMMING, Chapter 13 Debtors. _____________________________________/ MEMORANDUM OF DECISION AND ORDER PRESENT: HONORABLE SCOTT W. DALES Chief United States Bankruptcy Judge Chapter 13 debtors Mark and Margaret Hamming (the "Debtors") proposed to amend their confirmed chapter 13 plan to provide for a loan modification agreement that they and the holder of a secured claim against their residence, Avail Holding, LLC ("Avail"), reached after the Debtors defaulted…