Nowlin v. Tammac Financial Corp. (In Re Nowlin)

MEMORANDUM OPINION

THOMAS M. TWARDOWSKI, Bankruptcy Judge.

Plaintiff, Christie A. Nowlin (“Plaintiff’), filed the above-captioned complaint against Defendant, Tammac Financial Corporation (“Defendant”), seeking to bifurcate and “cram down” Defendant’s secured claim to the fair market value of Plaintiffs mobile home, which Plaintiff argues in her brief is approximately $31,000.00. 1 See Plaintiffs Brief in Support of Complaint at 18. A trial was held in this proceeding and briefs have been filed by the parties. The threshold issue before this court is whether the mobile home is real or personal…