77 B.R. 392 In re Adela J. HOBAICA, Debtor. Bankruptcy No. 86-00322.United States Bankruptcy Court, N.D. New York August 31, 1987. James F. Selbach, P.C., Syracuse, N.Y., for debtor. Evans, Severn, Bankert, Peet, Utica, N.Y., for The Savings Bank of Utica; Edward D. Earl, of counsel. MEMORANDUM-DECISION, FINDINGS OF FACT, CONCLUSIONS OF LAW AND ORDER […]