Bank of America v. Douglas Allen Cumpson

Opinion

Case: 14-13614 Date Filed: 08/04/2015 Page: 1 of 2

[DO NOT PUBLISH]

IN THE UNITED STATES COURT OF APPEALS

FOR THE ELEVENTH CIRCUIT

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No. 14-13614

Non-Argument Calendar

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D.C. Docket No. 1:14-cv-02022-WSD; 12-bkc-53106-MHM

In Re: DOUGLAS ALLEN CUMPSON, JESSIE LYNN CUMPSON,

Debtors.

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BANK OF AMERICA, N.A., Plaintiff - Appellant,

versus

DOUGLAS ALLEN CUMPSON, JESSIE LYNN CUMPSON,

Defendants - Appellees.

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Appeals from the United States District Court for the Northern District of Georgia

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(August 4, 2015)

Case: 14-13614 Date Filed: 08/04/2015 Page: 2 of 2

Before TJOFLAT, WILSON and BLACK, Circuit Judges. PER CURIAM:

Bank of America moves to lift the stay on this case and for summary reversal. We stayed this appeal pending review by the United States Supreme Court of our decisions in In re Caulkett, 566 F. App’x 879 (2014), and In re Toledo-Cardona, 556 F. App’x 911 (2014), that allowed a Chapter 7 debtor to void—that is, extinguish entirely—a junior mortgage lien when the amount owed on the senior lien exceeds the home’s fair market value. Because the Supreme Court has disposed of these cases in Bank of America v. Caulkett, 575 U.S. __, 135 S. Ct. 1995 (2015), we LIFT the stay of this appeal. In light of the Supreme Court’s decision in Caulkett and this Court’s subsequent decision in In re Waits, __ F.3d __, 2015 WL 4378369 (11th Cir. July 16, 2015), we DENY Bank of America’s motion for summary reversal, VACATE the district court’s affirmance of the bankruptcy court, and REMAND for further proceedings consistent with Caulkett and Waits.