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IN RE COKER

No. 91-1240.

973 F.2d 258 (1992)

In re David L. COKER; In re Elizabeth R. Coker, Debtors. David L. COKER; Elizabeth R. Coker, Plaintiffs-Appellants, v. SOVRAN EQUITY MORTGAGE CORPORATION, Defendant-Appellee.

United States Court of Appeals, Fourth Circuit.

Decided August 13, 1992.

As Amended September 28, 1992.

Attorney(s) appearing for the Case

Robert Vincent Roussos, Roussos & Ford, Norfolk, Va. (argued), for plaintiffs-appellants.

Lorin Daniel Hay, Virginia Beach, Va. (argued), for defendant-appellee.

Before HALL and SPROUSE, Circuit Judges, and KIDD, Senior United States District Judge for the Northern District of West Virginia, sitting by designation.

OPINION

K.K. HALL, Circuit Judge:

David and Elizabeth Coker appeal the district court's order affirming the bankruptcy court's denial of their motion to avoid the lien securing a note held by Sovran Equity Mortgage Company ("Sovran"). We affirm.

I.

David and Elizabeth Coker own real estate in Virginia Beach, Virginia. The property is encumbered by two deeds of trust. In April 1991, the Cokers filed a petition under Chapter 13 of the Bankruptcy...

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