Bank of America, N.A. v. Randall Lee Madden, et al, No. 13-14438 (11th Cir. 2014)

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Case: 13-14298 Date Filed: 10/28/2014 Page: 1 of 8 [DO NOT PUBLISH] IN THE UNITED STATES COURT OF APPEALS FOR THE ELEVENTH CIRCUIT ________________________ No. 13-14298 Non-Argument Calendar ________________________ D.C.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

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