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IN RE DUONG

Bankruptcy No. 10-16084. Adversary No. 10-1367.

451 B.R. 800 (2011)

In re Thin T. DUONG and Sang T. Pham, Debtors. Thin Duong, et al., Plaintiffs, v. U.S. Bank, N.A. as Trustee for Merrill Lynch First Franklin Mortgage Loan Trust, et al., Defendants.

United States Bankruptcy Court, N.D. Ohio, Eastern Division.

June 29, 2011.

Attorney(s) appearing for the Case

Jonathan I. Krainess , Cleveland, OH, for Plaintiffs.

Barbara Friedman Yaksic , McGlinchey Stafford PLLC, Rose Marie L. Fiore , Cleveland, OH, Brittany L. Griggs , Graydon Head & Ritchey LLP, Cincinnati, OH, for Defendants.

Lorain County Treasurer, Elyria, OH, pro se.

MEMORANDUM OF OPINION

PAT E. MORGENSTERN-CLARREN, Bankruptcy Judge.

This dispute centers on the amount of money owed by the plaintiff-chapter 13 debtors Thin Duong and Sang Pham under an agreement that modified a promissory note: does it, or does it not, include an obligation to pay $100,000.00 at the term end? The debtors say no, while the entity now entitled to enforce the note—defendant1 U.S. Bank, N.A. as successor...

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