7, 1985, at which time the matter was taken under advisement; the following represent the findings and conclusions of this court:

Facts
On August 22, 1983, Steven Donald Gabal and Cheryl Marie Fontenot Gabal executed a promissory note in favor of Louisiana First Mortgage Company in the amount of $132,000.00. This note was secured by a mortgage on a certain piece of immovable property located at 103 Glynnwood Drive, Lafayette, Louisiana (the Glynnwood property), which is the main focus of the present controversy. Well prior to the filing of bankruptcy, Louisiana First Mortgage made a valid assignment of the note and mortgage to Pelican Homestead, the present plaintiff.
The confusion began when on August 29, 1984 Mr. Gabal filed his voluntary petition under Chapter 7. As the caption of the casestill to this day indicates, the debtors name was incorrectly spelled Gabel rather than Gabal. Nevertheless, the case went forward in the name of Steven Donald Gabel and Charles N. Wooten was appointed trustee.
According to the record of the clerk of court, (misspelling aside), on September 7, 1984 a notice of the filing and of the first meeting of creditors was sent out to all creditors and interested parties whose names appeared on the official mailing matrix submitted by the debtor. Included in *663 the mailing matrix list was the name and address of the plaintiff, Pelican. An employee of Pelican acknowledged at trial that Pelican's name and address as listed were correct, yet Pelican claims never to have received the clerk's notice. In a like manner, Pelican