¶1Lee S. Raphael, Prober & Raphael, Woodland Hills, CA, for the appellants.
¶2M. Erik Clark, Borowitz & Clark, LLP, West Covina, CA, for the appellees.
¶3Before: STEPHEN S. TROTT and PAMELA ANN RYMER, Circuit Judges, and STEPHEN M. McNAMEE, Senior District Judge.*
¶6The decisions of the Bankruptcy Courts are affirmed for the reasons given by the Bankruptcy Appellate Panel in its published opinion in In re Herrera, 422 B.R. 698 (9th Cir. BAP 2010), filed January 5, 2010 and attached as an appendix to this order. [Editor’s Note: Appendix Omitted for Purposes of Publication]1