In Re Kim

MEMORANDUM DECISION

LOUISE DeCARL ADLER, Chief Judge.

I

INTRODUCTION

Creditor Kearny Mesa Financial Credit Union (“KMFCU”) moves for relief from stay or adequate protection of its security interest in David Son Kim’s (“Kim”) 1996 Buick Regal. KMFCU repossessed the Buick prepetition. It refuses to turn over the Buick until Kim classifies KMFCU as a secured creditor in his chapter 13 plan and provides adequate protection of its interest.

KMFCU contends it is a secured creditor because Kim signed a security agreement with a cross-collateralization clause. 1 This clause granted the Buick as security…