HEANEY, Senior Circuit Judge, dissenting: I respectfully dissent. In my view, the bankruptcy court correctly decided that under the facts in this case the confirmation of the Hansons’ Chapter 13 plan vested the residence in the Hansons free and clear of encumbrances. The debtor believed that Cen-Pen was an unsecured creditor; Cen-Pen believed to the contrary. In their Chapter 13 plan, the H…
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