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IN RE SOUSA

Bk. No. 06-11398-JMD, Adv. No. 07-1215-JMD.

In re: Mary Beth Sousa, Chapter 13, Debtor. Mary Beth Sousa, William Sousa, Jr., and Lawrence P. Sumski, Chapter 13 Trustee, Plaintiffs, v. Wells Fargo Bank, N.A., Geoffrey B. Ginn, and Geoffrey B. Ginn and Associates, P.C., Defendants. Wells Fargo Bank, N.A., Cross-Claimant, v. Geoffrey B. Ginn and Geoffrey B. Ginn and Associates, P.C., Cross-Defendants.

United States Bankruptcy Court, D. New Hampshire.

March 14, 2011.

Attorney(s) appearing for the Case

Peter S. Wright, Jr. , Franklin Pierce Law Center, Civil Practice Clinic Attorney for Plaintiffs.

Joshua D. Shakun , Harmon Law Offices PC, Attorney for Defendant and Cross-Claimant Wells Fargo Bank, N.A.

MEMORANDUM OPINION

J. MICHAEL DEASY, Bankruptcy Judge

I. INTRODUCTION

Mary Beth Sousa filed a voluntary petition under chapter 13 of the Bankruptcy Code on October 25, 2006. On November 15, 2007, Lawrence Sumski, Chapter 13 Trustee for the estate of Mary Beth Sousa, Mary Beth Sousa and her husband, William Sousa, Jr. (collectively the "Plaintiffs") timely filed a complaint against Wells Fargo Bank, NA ("Wells Fargo") regarding a consumer credit...

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