U.S. Bank, N.A. v. Vu (In re Vu), Nos. CC-10-1332-PaDKi, LA 10-17213 AA, 2012 WL 1521635, at *8–*9 (B.A.P. 9th Cir. May 1, 2012) (Pappas, Dunn, Kirscher)

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