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IN RE KING

Bankruptcy No. 05-24988. Adversary No. 06-2093.

372 B.R. 337 (2007)

In re Ronald Christopher KING, Sheril Lynn King, Debtors. Michael L. Baker, Trustee, Plaintiff, v. Mortgage Electronic Registration Systems, Inc.; Encore Credit Corp.; Option One Mortgage Corporation; Ronald C. King and Sheril Linn King Defendants.

United States Bankruptcy Court, E.D. Kentucky. Covington Division.

July 20, 2007.

Attorney(s) appearing for the Case

Debra S. Pleatman, Covington, KY, for trustee Plaintiff.

Norman J. Frankowski, II, Todd J. Flagel, Flagel & Papakirk LLC, Cincinnati,. OH, for Defendants.

Ronald C. King, Independence, KY, pro se.

Sheril Linn King, Independence, KY, pro se.

MEMORANDUM OPINION

WILLIAM S. HOWARD, Bankruptcy Judge.

This matter is before the court on cross-Motions for Summary Judgment filed by the Plaintiff and Defendants Mortgage Electronic Registration Systems, Inc. ("MERS"), Encore Credit Corp. ("Encore"), and Option One Mortgage Corporation ("Option One") (collectively "the Defendants"). The issue before the court is whether a mortgage given in connection with a refinancing loan was a preferential transfer...

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