IN RE VEAL

BAP Nos. AZ-10-1055-MkKiJu, AZ-10-1056-MkKiJu (Related Appeals). Bankruptcy No. 09-14808.

450 B.R. 897 (2011)

In re Howard Richard VEAL, Jr., and Shelli Ayesha Veal, Debtors. Howard Richard Veal, Jr.; Shelli Ayesha Veal, Appellants, v. American Home Mortgage Servicing, Inc.; Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2006-3 Asset-Backed Certificates, Series 2006-3, and its successor and/or assignees, Appellees.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Decided June 10, 2011.


Attorney(s) appearing for the Case

Trucly D. Pham of John Joseph Volin, P.C., argued for Appellants Howard Richard Veal, Jr. and Shelli Ayesha Veal.

Kevin Hahn of Malcolm Cisneros argued for Appellees American Home Mortgage Servicing, Inc. and Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2006-3 Asset-Backed Certificates, Series 2006-3, and its successors and/or assignees.

Before: MARKELL, KIRSCHER and JURY, Bankruptcy Judges.


OPINION

MARKELL, Bankruptcy Judge.

                                            Table of Contents

  I. INTRODUCTION ..................................................................... 902

 II. FACTS ............................................................................ 902
     A. AHMSI's Proof of Claim and the Veals' Claim Objection ......................... 903
     B. Wells Fargo's Relief...

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