[DO NOT PUBLISH]

IN THE UNITED STATES COURT OF APPEALS

FOR THE ELEVENTH CIRCUIT

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No. 20-12379

Non-Argument Calendar

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D.C. Docket Nos. 1:18-cv-01452-MHH,

Bkcy No. 15-bk-03267-JJR13

In re:

 GWENETH DOUGLASS POWERS,

 Debtor.

___________________________________________________________

GWENETH DOUGLASS POWERS, 

ANTHONY D. POWERS,

 Plaintiffs-Appellants,

 versus

CHADWELL HOMES OF ALABAMA LLC, 

 Defendant-Appellee.

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________________________

Appeal from the United States District Court

for the Northern District of Alabama

________________________

(July 13, 2021)

Before MARTIN, BRANCH, and ANDERSON, Circuit Judges.

PER CURIAM: 

Gweneth and Anthony Powers, proceeding pro se, appeal the district court’s 

order affirming the bankruptcy court’s grant of relief from the co-debtor stay under 

11 U.S.C. § 1301 to Chadwell Homes of Alabama, LLC (“Chadwell”). 

Anthony Powers is a co-debtor with his wife, Gweneth Powers, under a 

mortgage owned by Chadwell. Gweneth Powers filed for Chapter 13 bankruptcy, 

which triggered an automatic stay that barred Chadwell from pursuing an action to 

collect debt related to the mortgage from Anthony Powers as a co-debtor.1

1 The automatic stay provision, in full, provides that:

Except as provided in subsections (b) and (c) of this section, after the order for 

relief under this chapter, a creditor may not act, or commence or continue any 

civil action, to collect all or any part of a consumer debt of the debtor from any 

individual that is liable on such debt with the debtor, or that secured such debt, 

unless--

(1) such individual became liable on or secured such debt in the ordinary course 

of such individual’s business; or

(2) the case is closed, dismissed, or converted to a case under chapter 7 or 11 of

this title.

11 U.S.C. § 1301(a).

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Chadwell moved for relief from the automatic co-debtor stay under § 1301(c)(2) 

with respect to Anthony Powers.2 Section 1301(c)(2) provides that:

[o]n request of a party in interest and after notice and a hearing, the 

court shall grant relief from the stay provided by subsection (a) of this 

section with respect to a creditor, to the extent that . . . the plan filed 

by the debtor proposes not to pay such claim. 

After holding the required hearing, the bankruptcy court granted Chadwell 

relief from the § 1301(a) codebtor stay because Gweneth Powers’s Chapter 13 plan 

did not provide for payment of Chadwell’s claim.3 

The Powerses, proceeding pro se, appealed to the district court. The district 

court affirmed the bankruptcy court’s order providing Chadwell relief from the codebtor stay. After discussing the relationship between the parties and Gweneth 

Powers’s prior appeal in which the district court affirmed the bankruptcy court’s 

grant of stay relief with respect to Gweneth Powers’s interest in the mortgaged 

property, the district court rejected the Powers’s argument that Chadwell was not a 

“creditor” because Gweneth Powers was no longer personally liable on the 

mortgage due to her prior bankruptcy discharge. The district court explained that 

Chadwell was a creditor because it made a loan to the Powerses for the purchase of 

2 Previously, the bankruptcy court granted Chadwell stay relief with respect to Gweneth 

Powers’s interest in the mortgaged property, and that relief was affirmed by the district court on 

appeal. 

3 Instead, Gweneth Powers’s Chapter 13 “plan,” which is essentially a payment plan that 

the debtor must file, see 11 U.S.C. §§ 1321–22, proposed to pay taxes, a claim for furniture, an

automobile lease, and certain unsecured creditors. 

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property, the loan had not been repaid, Anthony Powers was still liable on the loan, 

and the loan was subject to the automatic co-debtor stay that took effect upon the 

filing of Gweneth Powers’s bankruptcy proceeding. The district court noted that 

the Powerses did not challenge the bankruptcy court’s substantive analysis under 

§ 1301(c)(2), and the district court found no error in the bankruptcy court’s 

analysis. The Powerses moved for a “rehearing,” reiterating many of the same 

arguments and contending that the district court denied them due process because 

it ruled on their motion within seven days of their last filing. The district court 

denied their motion for reconsideration. The Powerses timely appealed.4

As the second court of review of the bankruptcy court’s judgment, we 

review independently the bankruptcy court’s factual and legal conclusions, 

employing the same standards of review as the district court. In re Mitchell, 633 

F.3d 1319, 1326 (11th Cir. 2011). We review the bankruptcy court’s factual 

findings for clear error, and we review de novo the legal conclusions of both the 

bankruptcy court and the district court. In re JLJ, Inc., 988 F.2d 1112, 1116 (11th 

Cir. 1993). 

4 Although the Powerses appealed from the district court’s order denying their motion for 

reconsideration in addition to its order affirming the bankruptcy court’s grant of stay relief to 

Chadwell, the Powerses make no arguments on appeal related to the order denying 

reconsideration and thus have abandoned any challenge related to that order. Timson v. 

Sampson, 518 F.3d 870, 874 (11th Cir. 2008) (“While we read briefs filed by pro se litigants 

liberally, issues not briefed on appeal by a pro se litigant are deemed abandoned.” (citations 

omitted)). Accordingly, we consider only the district court’s order affirming the bankruptcy 

court’s order granting Chadwell relief from the co-debtor stay. 

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The sole issue on appeal is whether the bankruptcy court erred in granting 

Chadwell relief from the co-debtor stay under 11 U.S.C. § 1301(c)(2).

5 When a 

debtor files a voluntary petition for Chapter 13 bankruptcy relief, 11 U.S.C. 

§ 1301(a) imposes an automatic stay that prevents a creditor from pursuing an 

action to collect that debt from a co-debtor. A creditor may seek relief from that 

automatic stay, however, under § 1301(c)(2). That section provides that: “[o]n 

request of a party in interest and after notice and a hearing, the court shall grant 

relief from the [automatic stay provision] with respect to a creditor, to the extent 

that . . . the plan filed by the debtor proposes not to pay such claim.”

5

 The majority of the Powers’s appellate briefing focuses on issues and arguments 

beyond the scope of this appeal. 

The Powers’s arguments related to their state foreclosure case, including allegations that 

various state court judges are conspiring against them, are irrelevant to whether the bankruptcy 

court erred in granting Chadwell relief from the codebtor stay, so we do not address these 

arguments. 

Similarly, the Powers’s argument that the bankruptcy court was biased against them and 

committed fraud by not recusing from the Powers’s case is improperly before us because, though 

the bankruptcy court denied the Powers’s motion for recusal, the Powerses failed to identify the

failure to recuse in their statements of issues on appeal to the district court pursuant to Fed. R. 

Bank. P. 8009(a)(1)(A). Fed. R. Bankr. P. 8009(a)(1)(A) (directing an appellant to file with the 

clerk and serve on the appellee a statement of the issues to be presented for appeal); In re 

Freeman, 956 F.2d 252, 255 (11th Cir. 1992) (“[A]n issue that is not listed pursuant to [the 

bankruptcy appeal requirements] and is not inferable from the issues that are listed is deemed 

waived and will not be considered on appeal.”). 

Lastly, the Powerses argue that “[a]t the time relief from automatic stay was granted, 

[Gweneth Powers’s] case was in chapter 7” and there is “no co-debtor stay in chapter 7.” This 

argument relates to the original stay relief granted to Chadwell with respect to Gweneth Powers’s 

interest in the mortgaged property. This appeal, however, involves stay relief granted to 

Chadwell with respect to Anthony Powers’s interest in the property. Thus, this argument is also 

beyond the scope of this appeal. The record reveals that when the bankruptcy court granted 

Chadwell relief from the co-debtor stay in the order underlying this appeal, Gweneth Powers’s 

case had been converted back to a Chapter 13 proceeding.

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The record reveals, and the Powerses do not contest, that Chadwell was 

listed as a creditor in the bankruptcy record, Gweneth’s Chapter 13 payment plan

did not propose to pay Chadwell, and that the bankruptcy court followed the proper 

procedures under § 1301(c). The Powers’s only argument that we can discern 

challenging the bankruptcy court’s order is that the mortgage lien on the property 

is “invalid and unenforceable” because of various defects in the deed. This

argument fails. Regardless of whether the underlying mortgage is valid or the debt 

is disputed, Chadwell is still a “creditor” for purposes of the bankruptcy code. See 

In re Just. Oaks II, Ltd., 898 F.2d 1544, 1551 n.5 (11th Cir. 1990); 11 U.S.C. 

§ 101(10)(A) (defining “creditor” as an “entity that has a claim against the debtor 

that arose at the time of or before the order for relief concerning the debtor”); 11 

U.S.C. § 101(5)(A) (defining “claim” as a “right to payment, whether or not such 

right is reduced to judgment, liquidated, unliquidated, fixed, contingent, matured, 

unmatured, disputed, undisputed, legal, equitable, secured, or unsecured”). The 

Powers’s argument misses the point of the underlying bankruptcy court order. The 

order subject to this appeal does not determine whether Chadwell is entitled to

foreclose on the Powers’s property. Rather, the underlying bankruptcy court order 

only lifted a stay that prevented Chadwell from attempting to initiate such a 

proceeding. See 11 U.S.C. § 1301. Because the Powerses have shown no error as 

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to the bankruptcy court’s grant of relief from the co-debtor stay under 11 U.S.C. 

§ 1301(c), we affirm.6

AFFIRMED.

6 The Powerses argue we should remand this case to the district court for further briefing 

because the district court erred in concluding that the Powers’s arguments in the instant appeal

did not rely on “newly discovered evidence.” When the Powerses appealed the bankruptcy 

court’s order to the district court, the Powerses represented that the present appeal differed from 

their prior appeal when the district court affirmed the bankruptcy court’s grant of stay relief to

Chadwell in regard to Gweneth Powers’s interest in the mortgaged property because this appeal

relied on “newly discovered evidence.” The Powerses submitted an excerpt of a years’ old 

bankruptcy court transcript as their “newly discovered evidence.” The district court did not err 

in concluding that the Powers’s present appeal did not, in fact, rely on new evidence. Further, 

remand is not necessary on this ground because the Powers’s arguments surrounding this 

transcript relate to their contention that the mortgage Chadwell owns on their property is invalid. 

Once again, the order subject to this appeal does not determine the validity of the mortgage on 

the Powers’s property or determine whether Chadwell is entitled to foreclose on the property.

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