
    In re: Albert S. HEATON, Debtor Albert S. Heaton v. Ford Motor Credit Robert H. Holber, Esquire, Frederic J. Baker, Esquire, Trustees Albert S. Heaton, Appellant. In re: Darlene A. Heleva, Debtor Darlene A. Heleva, Appellant
    No. 01—4002, 01-4003.
    United States Court of Appeals, Third Circuit.
    Argued June 28, 2002.
    Filed Aug. 21, 2002.
    
      Dexter K. Case (Argued), Reading, PA, for Appellant.
    Kevin H. Buraks, David E. Stern, (Argued), Wolf, Block, Schorr & Solis-Cohen, Philadelphia, PA, for Appellee.
    Before AMBRO, STAPLETON and CUDAHY, Circuit Judges.
    
      
       Honorable Richard D. Cudahy, United States Circuit Judge for the for the Seventh Circuit, sitting by designation.
    
   OPINION

AMBRO, Circuit Judge.

For essentially the reasons set out in Judge Waldman’s comprehensive Memorandum Orders, dated October 1, 2001, and September 28, 2001, respectively, we affirm the District Court’s judgments.  