59 F.3d 1041 64 USLW 2049, 33 Collier Bankr.Cas.2d 1784,27 Bankr.Ct.Dec. 643, Bankr. L. Rep. P 76,562 In re Curtis Lawayne TURNER and Rita Gail Turner, Debtors,Curtis Lawayne TURNER and Rita Gail Turner, Appellees/Cross-Appellants,v.SMALL BUSINESS ADMINISTRATION, the Administrator of theSmall Business Administration, an Agency of theGovernment of the United States ofAmerica, Appellant/Cross-Appellee. Nos. 94-6191, 94-6208. […]