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IN RE HERRERA

BAP Nos. CC-09-1155-PaHD, CC-09-1162-PaHD, CC-09-1184-PaHD, CC-09-1175 PaHD. Bankruptcy Nos. SV 08-13212-KT, SV 08-14725-GM, SV 09-11330-MT, LA 09-11321-VK.

422 B.R. 698 (2010)

In re Anthony John HERRERA and Mary Ellen Herrera, Debtors. In re Norman Leff and Rosita Blones Leff, Debtors. In re Christine Paulette Hannon, Debtor. In re Arthur Daniel Monroy and Laura Monroy, Debtors. Greenpoint Mortgage Funding, Inc., Appellant, v. Anthony John Herrera and Mary Ellen Herrera, Appellees. Deutsche Bank, National Trust Co., as Trustee for First Franklin Mortgage Loan Trust 2006-FF5, Mortgage Pass-Through Certificates, Series 2006-FF5, Appellant, v. Norman Leff and Rosita Blones Leff, Appellees. U.S. Bank, N.A., Appellant, v. Christine Paulette Hannon, Appellee. Home Funds Direct, Appellant, v. Arthur Daniel Monroy and Laura Monroy, Appellees.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Filed January 5, 2010.

OPINION

PAPPAS, Bankruptcy Judge.

In each of these four appeals, the creditor holding the mortgage on the debtors' primary residence challenges the order of the bankruptcy court confirming the chapter 131 debt-repayment plan. In each case, the debtors incorporated in the plan several provisions taken from a form of optional provisions adopted by the bankruptcy judges of the Central District of California. The mortgage creditors...

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