Smith v. Vista Hill Partners, LLC (In re Smith)

MEMORANDUM OPINION AND ORDER DENYING MOTION FOR DEFAULT JUDGMENT

JOHN E. HOFFMAN JR., Bankruptcy Judge.

I.Introduction

Layne C. Smith and Nancy A. Diley-Smith, the plaintiffs and the debtors in the Chapter 13 bankruptcy case associated with this adversary proceeding, own a home in Canal Winchester, Ohio that is subject to a junior mortgage lien in favor of Vista Hill Partners, LLC. Before they commenced their bankruptcy case, the debtors were defendants in a foreclosure action brought by the holder of the senior mortgage lien; the senior lien holder also named as a defendant in the foreclosure…