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IN RE PHALEN

Bankruptcy No. 09-62256. Adversary No. 09-2572.

445 B.R. 830 (2011)

In re Tim PHALEN and Lorie Buxton, Debtors. Susan L. Rhiel, Plaintiff, v. The Huntington National Bank, Defendant.

United States Bankruptcy Court, S.D. Ohio, Eastern Division.

March 4, 2011.

Attorney(s) appearing for the Case

Susan L. Rhiel, Columbus, OH, for Plaintiff.

Amelia A. Bower, Columbus, OH, for Defendant.

MEMORANDUM OPINION ON TRUSTEE'S MOTION FOR SUMMARY JUDGMENT

JOHN E. HOFFMAN, JR., Bankruptcy Judge.

I. Introduction

Before they commenced their case under Chapter 7 of the Bankruptcy Code, Tim Phalen and Lorie Buxton (collectively with Phalen, "Debtors") granted The Huntington National Bank ("Huntington") a mortgage on their real property located at 45 South Chesterfield Road, Columbus, Ohio 43209 ("Property"). The certificate of acknowledgment...

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