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IN RE GARRETT

Bankruptcy Nos. 87-03354, 87-02000.

77 B.R. 901 (1987)

In re Maxine Wideman GARRETT and Jimmy Scott Garrett, Debtors. In re Carl Stanley KELLY a/k/a Carl Stanley Kelley, Debtor.

United States Bankruptcy Court, N.D. Alabama, W.D.

July 28, 1987.

Attorney(s) appearing for the Case

J. David Hood, Jasper, Ala., for debtors.

Benjamin Johnson, Birmingham, Ala., for creditor, Bedford Financial Corp.

MEMORANDUM OF DECISION

GEORGE S. WRIGHT, Chief Judge.

The above-styled cases came before the Court for confirmation of the debtors' proposed Chapter 13 plans of reorganization. At the Confirmation Hearings, a question was raised as to the secured status of certain lenders who held security interests in the debtors' mobile home homesteads. After consideration of the Alabama Supreme Court's decision in First Alabama Bank of Dothan v. Renfroe,

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