In re: Richard Sterba and Olga Sterba

FILED AUG 27 2014 1 SUSAN M. SPRAUL, CLERK U.S. BKCY. APP. PANEL 2 OF THE NINTH CIRCUIT 3 UNITED STATES BANKRUPTCY APPELLATE PANEL 4 OF THE NINTH CIRCUIT 5 In re: ) BAP No. NC-13-1590-KuDJu ) 6 RICHARD STERBA and OLGA STERBA,) Bk. No. 13-10245 ) 7 Debtors. ) _______________________________) 8 ) RICHARD STERBA; OLGA STERBA, ) 9 ) Appellants, ) 10 ) v. ) OPINION 11 ) PNC BANK, ) 12 ) Appellee. ) 13 _______________________________) 14 15 Argued and Submitted on July 24, 2014 at San Francisco, California 16 Filed – August 27, 2014 17 _____________ 18 Appeal from the United States Bankruptcy Court…