Johnson, Jr. v. UBAK-OFFIONG

September 22, 2025 Nathan Ochsner, Clerk IN THE UNITED STATES BANKRUPTCY COURT FOR THE SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION IN RE: § § CASE NO: 24-33992 THEODORE JOHNSON, JR., § § CHAPTER 13 Debtor. § § THEODORE JOHNSON, JR., § § Plaintiff, § § VS. § ADVERSARY NO. 25-3069 § UDOH DAVID UBAK- § OFFIONG, § § Defendant. MEMORANDUM OPINION DETERMINING VALIDITY, PRIORITY, OR EXTENT OF LIEN OR OTHER INTEREST IN PROPERTY INTRODUCTION This case illustrates the unfortunate consequences of a lender failing to enforce their rights against a borrower in a timely manner. After failing to bring an…