Kathy Ellen Richards

UNITED STATES BANKRUPTCY COURT WESTERN DISTRICT OF KENTUCKY OWENSBORO DIVISION IN RE: ) ) KATHY ELLEN RICHARDS, ) Case No. 21-40438-crm ) Chapter 7 DEBTOR ) ) ____________________________________) * * * * * MEMORANDUM OPINION AND ORDER This matter is before the Court on the Chapter 7 Trustee’s Objection to Exemption of Homestead [D.E. 13] (the “Objection”) and Kathy Ellen Richards’ (the “Debtor”) Response [D.E. 20] (the “Response”) thereto. In the Objection, the Trustee argues that the Debtor cannot avail herself of the exemption contained in 11 U.S.C. § 522(d)(1) because she did not have an…