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IN RE FERGUSON

No. 07-14559ELF.

376 B.R. 109 (2007)

In re Shawnnat N. FERGUSON, Debtor.

United States Bankruptcy Court, E.D. Pennsylvania.

As Amended October 25, 2007.

Attorney(s) appearing for the Case

Michael Kutzer, for the Debtor.

Andrew L. Spivack, for Washington Mutual Bank.

Leroy C. Etheridge, for William C. Miller, Trustee.

OPINION

ERIC L. FRANK, Bankruptcy Judge.

I. INTRODUCTION

The contested matter before me requires that I interpret and apply 11 U.S.C. § 362(c)(4), a provision added to the automatic stay provision of the Bankruptcy Code in 2005 by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ("BAPCPA").1

Under § 362(c)(4), if two (2) or more cases of the debtor "were pending within...

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