In Re Shirel

MEMORANDUM OF DECISION DETERMINING THAT RESPONDENT DOES NOT HAVE A SECURITY INTEREST IN PROPERTY OF THE DEBTORS

RICHARD L. BOHANON, Bankruptcy Judge.

The central issue raised by this motion to avoid a lien is whether or not the respondent has a security interest in property of the debtors. 1

Kevin Shirel applied for a credit card from Sight’N Sound Appliance Centers, Inc., (“Sight and Sound” or “respondent”). 2 The credit application purports to become the agreement of the parties and is a barely legible, seven page, single spaced, small print document. Shirel signed it on the first page.

The…