[DO NOT PUBLISH]

IN THE UNITED STATES COURT OF APPEALS

FOR THE ELEVENTH CIRCUIT

________________________

No. 13-14298

Non-Argument Calendar

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D.C. Docket No. 1:13-cv-02703-SCJ,

Bkcy No. 13-bkc-59123-MGC

In Re: BELINDA TOLBERT BROWN,

 Debtor.

___________________________________________________

BANK OF AMERICA, N.A., 

 Plaintiff-Appellant,

versus

BELINDA TOLBERT BROWN, 

 Defendant-Appellee. 

________________________

No. 13-14438

Non-Argument Calendar

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D.C. Docket No. 4:13-cv-00209-HLM,

Bkcy No. 13-bkc-41719-PWB

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2

RANDALL LEE MADDEN,

BARBARA LYNN MADDEN,

 Debtors.

________________________________________________

BANK OF AMERICA, N.A., 

 Plaintiff-Appellant,

versus

RANDALL LEE MADDEN, 

BARBARA LYNN MADDEN, 

 Defendants-Appellees. 

________________________

No. 13-14908

Non-Argument Calendar

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D.C. Docket No. 1:13-cv-03050-SCJ,

Bkcy No. 13-bkc-60912-JRS

In Re: BETTY JEAN BOYKINS,

 Debtor.

_______________________________________________________

BANK OF AMERICA BANK, NA, 

 Plaintiff-Appellant,

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versus

BETTY JEAN BOYKINS, 

 Defendant-Appellee.

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No. 13-15839

Non-Argument Calendar

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D.C. Docket No. 1:13-cv-03853-JEC,

Bkcy No. 12-bkc-81760-WLH

IN RE: PAMELA FAE PEELE,

 Debtor.

_____________________________________________________

BANK OF AMERICA BANK, NA, 

 Plaintiff-Appellant,

versus

PAMELA FAE PEELE, 

 Defendant-Appellee. 

________________________

No. 14-10137

Non-Argument Calendar

________________________

Case: 13-14298 Date Filed: 10/28/2014 Page: 3 of 8 
4

D.C. Docket No. 1:13-cv-04141-WBH,

Bkcy No. 13-bkc-68483-BEM

In Re: TONI RENEE HAMILTON-PRESHA,

 Debtor.

__________________________________________________

BANK OF AMERICA, N.A., 

 Plaintiff-Appellant,

versus

TONI RENEE HAMILTON-PRESHA, 

 Defendant-Appellee. 

________________________

No. 14-11012

Non-Argument Calendar

________________________

D.C. Docket No. 1:14-cv-00355-JEC,

Bkcy No. 13-bkc-74836-BEM

In Re: ILYA BELOTSERKOVSKY,

 Debtor.

_____________________________________________________

ILYA BELOTSERKOVSKY,

 Plaintiff-Appellee.

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5

versus

BANK OF AMERICA, N.A., 

 Defendant-Appellant.

________________________

No. 14-11387

Non-Argument Calendar

________________________

D.C. Docket No. 1:13-cv-04076-WSD,

Bkcy No. 13-bkc-64749-BEM

BEVERLY JOHNSON,

 Debtor.

__________________________________________________

BANK OF AMERICA, N.A., 

 Plaintiff-Appellant,

versus

BEVERLY JOHNSON, 

 Defendant-Appellee.

________________________

No. 14-11676

Non-Argument Calendar

________________________

Case: 13-14298 Date Filed: 10/28/2014 Page: 5 of 8 
6

D.C. Docket No. 1:13-cv-03405-ODE,

Bkcy No. 13-bkc-60795-BEM

In Re: ROSA LILIANA GARRO,

 Debtor.

__________________________________________________

BANK OF AMERICA BANK, NA, 

 Plaintiff-Appellant,

versus

ROSA LILIANA GARRO, 

 Defendant-Appellee. 

________________________

Appeals from the United States District Court

for the Northern District of Georgia

________________________

(October 28, 2014)

Before ED CARNES, Chief Judge, JORDAN and ROSENBAUM, Circuit Judges.

PER CURIAM: 

The following facts are undisputed. The appellees filed voluntary petitions 

for bankruptcy under Chapter 7 of the Bankruptcy Code. In their petitions, they

reported that their homes were subject to two mortgage liens. In every case, 

appellant Bank of America, N.A. held the second-priority mortgage liens. In every 

case, the value of the home was less than the balance of the senior lienholder’s 

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mortgage. Each petitioner sought a determination from the bankruptcy court that 

Bank of America’s junior mortgage lien was wholly unsecured and, therefore, void 

under 11 U.S.C. § 506(a) and (d). The bankruptcy court granted each motion. 

Bank of America appealed in every case and the district court affirmed every time. 

Bank of America brought separate appeals to this Court. The appellees filed 

motions to consolidate the appeals, which this Court granted. Bank of America 

filed a motion for initial hearing en banc, which this Court denied. 

When the district court affirms the bankruptcy court’s order, we review only 

the bankruptcy court’s decision on appeal. Educ. Credit Mgmt. Corp. v. Mosley, 

494 F.3d 1320, 1324 (11th Cir. 2007). We review de novo the bankruptcy court’s 

legal conclusions. Hemar Ins. Corp. of Am. v. Cox, 338 F.3d 1238, 1241 (11th 

Cir. 2003).

In Folendore v. United States Small Bus. Admin., 862 F.2d 1537 (11th Cir. 

1989), we held that an allowed claim that is wholly unsecured — just as Bank of 

America’s claims are here — is voidable under the plain language of section 

506(d). Id. at 1538–39. Bank of America contends that the Supreme Court’s 

decision in Dewsnup v. Timm, 502 U.S. 410, 112 S.Ct. 773 (1992), abrogated our

Folendore decision. Bank of America concedes, however, that “[u]nder our prior 

panel precedent rule, a later panel may depart from an earlier panel’s decision only 

when the intervening Supreme Court decision is ‘clearly on point.’” Atl. Sounding 

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Co., Inc. v. Townsend, 496 F.3d 1282, 1284 (11th Cir. 2007). Bank of America 

also concedes that our decision in In re McNeal, 735 F.3d 1263 (11th Cir. 2012),

held that the Supreme Court’s decision in Dewsnup is not clearly on point because 

it “disallowed only a ‘strip down’ of a partially secured mortgage lien and did not 

address a ‘strip off’ of a wholly unsecured lien.” Id. at 1265. Our Folendore and 

McNeal decisions control this case.

AFFIRMED. 

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