Case Name: In re Phally LANG, Debtor. The Bank of New York Mellon, f.k.a. Bank of New York, Plaintiff-Appellant, v. Phally Lang, Defendant-Appellee
Court: United States Court of Appeals for the Eleventh Circuit
Jurisdiction: United States
Decision Date: 2014-10-16
Citations: 580 F. App'x 890
Docket Number: No. 14-11373
Parties: In re Phally LANG, Debtor. The Bank of New York Mellon, f.k.a. Bank of New York, Plaintiff-Appellant, v. Phally Lang, Defendant-Appellee.
Judges: 
Reporter: West's Federal Appendix
Volume: 580
Pages: 890–890

Head Matter:
In re Phally LANG, Debtor. The Bank of New York Mellon, f.k.a. Bank of New York, Plaintiff-Appellant, v. Phally Lang, Defendant-Appellee.
No. 14-11373
Non-Argument Calendar.
United States Court of Appeals, Eleventh Circuit.
Oct. 16, 2014.
Craig Goldblatt, Danielle Spinelli, Wilmer Cutler Pickering Hale & Dorr, LLP, Washington, DC, Daniel F. Blanks, Emily Y. Rottmann, McGuire Woods, LLP, Jacksonville, FL, for Plaintiff-Appellant.
Earl Warren Parker, Jr., Jacksonville, FL, for Defendant-Appellee.
Before TJOFLAT, JORDAN, and EDMONDSON, Circuit Judges.

Opinion:
PER CURIAM:
Bank of America, N.A., as servicer for The Bank of New York Mellon, appeals the district court's summary affirmance of the bankruptcy court's order voiding a wholly unsecured second priority hen on residential property owned by a Chapter 7 debtor.
The bankruptcy court granted Debtor's request to "strip off' the unsecured junior lien, based on this Court's binding precedent in McNeal v. GMAC Mortg., LLC (In re McNeal), 735 F.3d 1263 (11th Cir.2012) (citing Folendore v. United States Small Bus. Admin. (In re Folendore), 862 F.2d 1537 (11th Cir.1989)). In McNeal, this Court concluded that a Chapter 7 debtor is allowed to "strip off' a second priority lien on his home, pursuant to 11 U.S.C. § 506(a) and (d), when the first priority lien exceeds the value of the property.
Bank of America acknowledges that this panel is bound by the Court's decisions in McNeal and Folendore, but reserves the right to seek reconsideration of the issue by the en banc Court. Cf. United States v. Smith, 122 F.3d 1355, 1359 (11th Cir.1997) ("Under the prior panel precedent rule, we are bound by earlier panel holdings . unless and until they are overruled en banc or by the Supreme Court.").
AFFIRMED.