In re Ruiz

Opinion

STEPHEN RASLAVICH, Bankruptcy Judge.

Introduction

Before the Court is the Debtor’s Objection to the Proof of Claim of RBS Citizens, N.A. RBS opposes the Objection. A hearing on the matter was held on October 16, 2013. The parties submitted briefs and the Court took the matter under advisement. For the reasons which follow, the Objection will be sustained in part and denied in part.1 Claim

RBS’s claim arises out of an FHA-insured loan. The loan is secured by a mortgage on the Debtor’s principal residence. The loan is in default and RBS filed a secured Proof of Claim which consists, in…