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IN RE YOUNG

Bankruptcy No. 96-20202.

199 B.R. 643 (1996)

In re Brian YOUNG and Ruth A. Young, Debtors.

United States Bankruptcy Court, E.D. Tennessee.

August 23, 1996.

Attorney(s) appearing for the Case

Alan C. Lee, Morristown, Tennessee, for Brian Young and Ruth A. Young.

Mark A. Cowan, Bacon, Jessee, Perkins & Swanson, Morristown, Tennessee, for Appalachian Real Estate.

MEMORANDUM

MARCIA PHILLIPS PARSONS, Bankruptcy Judge.

This case is before the court upon the objection to confirmation filed by the holder of a second mortgage on the debtors' residence. The issue presented by the objection is whether 11 U.S.C. § 1322(c)(2), which was enacted as part of the Bankruptcy Reform Act of 1994, permits a "cramdown"1 of an undersecured residential mortgage if final payment under the mortgage...

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