John Thomas McCrorey and Julie Lynne McCrorey

UNITED STATES BANKRUPTCY COURT DISTRICT OF IDAHO IN RE: Case No. 18-00696-NGH JOHN THOMAS MCCROREY and JULIE LYNNE MCCROREY, Chapter 13 Debtors. MEMORANDUM OF DECISION RELEVANT FACTS On May 31, 2018, debtors John Thomas McCrorey and Julie Lynne McCrorey (“Debtors”) filed a chapter 13 bankruptcy petition. Doc. No. 1. In their schedules, they listed Wells Fargo Dealer Services as a creditor holding a claim in the amount of $10,961.33 but noted the collateral had been repossessed. Id. at schedule F at ¶ 4.6. On January 3, 2019, Debtors confirmed a plan, which required them to make payments for…