Household Finance Corp. v. Ellis (In Re Ellis)

MEMORANDUM OPINION

DOUGLAS D. DODD, Bankruptcy Judge.

Household Finance Corporation, II (“Household”) sought summary judgment on its complaint for a declaration of the validity, priority and extent of its lien. Specifically, Household contends that it holds a mortgage on both immovable property that is the principal residence of the debtors, Clinton Ellis Jr. and Mary Ellis (the “debtors”), and a manufactured home situated on that property. Household as a result contends that its claim is protected from modification by 11 U.S.C. § 1322(b)(2). 1 Household also seeks to have the mortgage reformed…