Frederick D. Harris and Bernice R. Harris

The court incorporates by reference in this paragraph and adopts as the findings and orders of this court the document set forth below. This document was signed electronically on January 21, 2022, which may be different from its entry on the record. IT IS SO ORDERED. 0 x “2 Ge Dated: January 21, 2022 ‘ Vw x i ARTHUR I. HARRIS 2 ay UNITED STATES BANKRUPTCY JUDGE UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF OHIO In re: ) Case No. 18-16598 ) FREDERICK D. HARRIS & ) Chapter 13 BERNICE R. HARRIS, ) ) Judge Arthur I. Harris Debtors. ) MEMORANDUM OF OPINION! On April 30, 2019, the debtors…