19 B.R. 130 FEDERAL NATIONAL MORTGAGE ASSOCIATION, Plaintiff, v. J. Lofton WESTMORELAND, Trustee for Pat A. Schipani, et al. Defendant. No. 80-9083.United States Bankruptcy Court, N.D. Florida, Pensacola Division August 4, 1981. West Page 131 John P. Kuder, Pensacola, Fla., for plaintiff. J. Lofton Westmoreland, Milton, Fla., for defendant. OPINION N. SANDERS SAULS, Bankruptcy Judge. […]