In re: AMBER SAENZ

UNITED STATES BANKRUPTCY COURT DISTRICT OF NEW MEXICO In re: AMBER SAENZ, No. 25-10458-j13 Debtor. MEMORANDUM OPINION Debtor Amber Saenz received a chapter 7 discharge in a prior case, discharging her personal liability on a note in favor of First National Bank (“FNB”) secured by a deed of trust on Debtor’s principal residence (the “Property”). In this subsequent chapter 13 case, Debtor proposes to retain the Property and to treat FNB’s claim under 11 U.S.C. § 1325(a)(5)(B)1 by providing for FNB to retain its lien, and by the continuation of regular monthly payments to FNB until the original…