IN RE CORLEY

Bankruptcy No. 10-40181. Adversary No. 10-4033.

447 B.R. 375 (2011)

In the matter of Brian H. CORLEY, Misty S. Corley, Debtors. James L. Drake, Jr., Trustee, Plaintiff v. Citizens Bank of Effingham, Ocwen Loan Servicing, LLC, Successor in Interest to Taylor Bean & Whitaker Mortgage Corporation, and Mortgage Electronic Registration Systems, Inc., Individually and as Nominee for Citizens Bank of Effingham, Defendants.

United States Bankruptcy Court, S.D. Georgia, Savannah Division.

February 7, 2011.


Attorney(s) appearing for the Case

James L. Drake, Jr. , Savannah, GA, pro se.

Shawna Y. Staton , James L. Drake, Jr. , PC, Savannah, GA, for Plaintiff.

David W. Adams , Paul W. Painter, Jr. , Ellis, Painter, Ratterree & Adams LLP, Kathleen Home , Inglesby, Falligant, Home, Courington, Savannah, GA, for Defendants.


MEMORANDUM AND ORDER

LAMAR W. DAVIS, JR., Bankruptcy Judge.

Debtors purchased real property in 2006. To complete the transaction, they borrowed the purchase money from Citizen's Bank of Effingham ("CBE"), executed a promissory note for the borrowed amount (the "Note"), and executed a deed to secure debt as security for that loan (the "Security Deed"). The Security Deed named Mortgage Electronic Registration Systems, Inc. ("MERS")

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