Paul I. Bare, Esq., Traverse City, Michigan, and Frank E. Stanley, Esq., Grand Rapids, Michigan, attorneys for Clarence Kenyon Gomery, Debtor., Christopher K. Cooke, Esq., Traverse City, Michigan, attorney for Fred A. To-pous, Jr., Susan Jill Rice, Esq., Traverse City, Michigan, attorney for Members Credit Union and Northwestern Bank., Brett N. Rodgers, Esq., Grand Rapids, Michigan, Chapter 13 Trustee., Michelle M. Wilson, Esq., Grand Rapids, Michigan, attorney for the United States Trustee.