Court Opinion

ID: 2745954
Source: CourtListenerOpinion
Date Created: 2014-10-28 14:01:14.728481+00
Date Added: 2024-06-11T10:13:22.235301
License: Public Domain

Case: 13-14298   Date Filed: 10/28/2014   Page: 1 of 8

                                                         [DO NOT PUBLISH]

            IN THE UNITED STATES COURT OF APPEALS

                    FOR THE ELEVENTH CIRCUIT
                      ________________________

                            No. 13-14298
                        Non-Argument Calendar
                      ________________________

                  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
                      ________________________

                 D.C. Docket No. 4:13-cv-00209-HLM,
                     Bkcy No. 13-bkc-41719-PWB
           Case: 13-14298   Date Filed: 10/28/2014     Page: 2 of 8

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
                      ________________________

                  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,

                                    2
           Case: 13-14298   Date Filed: 10/28/2014   Page: 3 of 8

versus

BETTY JEAN BOYKINS,

                                             Defendant-Appellee.

                      ________________________

                            No. 13-15839
                        Non-Argument Calendar
                      ________________________

                  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
                      ________________________

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

                 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.

                                    4
           Case: 13-14298   Date Filed: 10/28/2014   Page: 5 of 8

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
                      ________________________

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

                        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
                                           6
              Case: 13-14298     Date Filed: 10/28/2014   Page: 7 of 8

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

                                          7
              Case: 13-14298     Date Filed: 10/28/2014   Page: 8 of 8

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.

                                         8