BAP No. N.H. 99-012 October 21, 1999 Joseph S. Haas, Jr., on brief for the appellant. Lawrence P. Sumski, on brief for the appellee. Before Queenan, Kenner and Feeney, U.S. Bankruptcy Judges Appeal from the United States Bankruptcy Court for the District of New Hampshire (Hon. Mark W. Vaughn, U.S. Bankruptcy Judge) Per Curiam. I. INTRODUCTION The matter before the Bankruptcy Appellate Panel is the "Appeal" filed by Joseph Sanders Haas, Jr., a Chapter 13 Debtor ("Haas" or the "Debtor"), on January