In the Matter of Heard Family Trucking, Inc., Debtor. Orix Credit Alliance, Inc. v. Heard Family Trucking, Inc., and J.C. Bell, Jr.

JERRY E. SMITH, Circuit Judge:

Heard Family Trucking, Inc. (“Heard Family”), a chapter 7 debtor located in Mississippi, appeals the district court’s ruling that a creditor’s lien on a Heard Family truck was perfected by the issuance of an Alabama certificate of title. Heard Family argues that, under Mississippi law, the exclusive means of perfecting a security interest in a Mississippi vehicle is through a title issued under that state’s Motor Vehicle Titles Law. Concluding that Mississippi law creates an exception for vehicles engaged in interstate commerce that are titled properly in other…