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IN RE NEAL

No. 08-57254-R.

424 B.R. 235 (2010)

In re Nathanial NEAL, Jr. and Carol Ann Neal, Debtor.

United States Bankruptcy Court, E.D. Michigan, Southern Division.

February 8, 2010.

Attorney(s) appearing for the Case

H. Robert Pierce, Royal Oak, MI, for Debtor.

Opinion

STEVEN RHODES, Bankruptcy Judge.

I.

The debtors filed their chapter 7 petition on July 17, 2008. Pre-petition, on June 13, 2005, the debtors entered into a home equity line of credit with Public Service Credit Union ("PSCU") in the amount of $20,000. PSCU never recorded its mortgage.

On September 23, 2008, the trustee filed an adversary proceeding against PSCU to avoid the mortgage. On...

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