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IN RE WILLIAMS

Bankruptcy No. 05-12259. Adversary No. 05-1373.

360 B.R. 99 (2007)

In re Carrie L. WILLIAMS, Debtor. Carrie L. Williams, Plaintiff, v. Option One Mortgage Corp., Defendant.

United States Bankruptcy Court, W.D. Pennsylvania.

February 1, 2007.

Attorney(s) appearing for the Case

Jack E. Grayer, Esq., Erie, PA, for Carrie L. Williams.

Heidi R. Spivak, Esq., Cherry Hill, NJ, for Option One Mortgage Corp.

OPINION

WARREN W. BENTZ, Bankruptcy Judge.

Introduction1

Carrie L. Williams ("Borrower" or "Debtor") filed a voluntary Petition under Chapter 13 of the Bankruptcy Code on July 9, 2005.

The Debtor is the owner of real property located at 15 Grant Street, North East, Pennsylvania (the "Property") which is encumbered by a Note and Mortgage dated February...

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