In re: Richard Sterba and Olga Sterba

OPINION

KURTZ, Bankruptcy Judge.

INTRODUCTION

Chapter 7 1 debtors Richard and Olga Sterba appeal from an order overruling their objection to the proof of claim filed by PNC Bank. The Sterbas maintain that, under California law, PNC’s claim was barred by the applicable four-year statute of limitations. The bankruptcy court held instead that Ohio law applied based upon the choice of law provision set forth in the promissory note on which PNC’s claim was based. Under Ohio’s six-year statute of limitations for actions on a negotiable instrument, PNC’s claim was timely.

In overruling the Sterbas’…