Williams v. Tower Loan of Mississippi, Inc. (In Re Williams)

DAVIS, Circuit Judge:

This appeal arises from the district court’s affirmance of the bankruptcy court’s order denying appellant’s motion to modify her Chapter 13 plan. For the reasons that follow, we AFFIRM the district court’s order.

I

Laura Williams (“Williams”) filed a petition seeking relief under Chapter 13 of the Bankruptcy Code in January 1997. At the time of this filing, Williams owed Tower Loan of Mississippi (“Tower Loan”) $1068.70 on a single promissory note. As collateral for this note, Williams granted Tower Loan a non-purchase money security interest in a set of law books, a 35mm…