Opinion on Cross-Motions for Summary Judgment
STEVEN RHODES, Bankruptcy Judge.
I.
On June 13, 2005, the debtors, Nathaniel and Carol Ann Neal, obtained a $20,000 loan from Public Service Credit Union ("PSCU"). To secure the loan, they executed a mortgage on their residential property, located at 7950 Hathon, Detroit, Michigan. The original mortgage was never recorded.
On April 16, 2008,...
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