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IN RE CALENDER

No. 01-6008EM.

262 B.R. 777 (2001)

In re Eric CALENDER, Debtor. Eric Calender, Appellant, v. American General Finance, Appellee.

United States Bankruptcy Appellate Panel of the Eighth Circuit.

Filed June 18, 2001.

Attorney(s) appearing for the Case

Deborah R. Sterling-Scott, St. Louis, MO, for appellant.

Gerard A. Nieters, O'Fallon, MO, for appellee.

Before KRESSEL, WILLIAM A. HILL, and O'BRIEN, Bankruptcy Judges.

KRESSEL, Bankruptcy Judge.

The debtor, Eric Calender, appeals from an order of the bankruptcy court allowing the secured claim of appellee American General Finance. Because we think the bankruptcy court incorrectly determined American General's secured claim, we reverse.

BACKGROUND

The debtor filed a chapter 13 case on March 22, 2000. When he filed, his home in St. Louis was subject to at least three claims of security including a first mortgage...

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