MEMORANDUM
ERIC L. FRANK, Bankruptcy Judge.
I. INTRODUCTION
Shirlene R. Wells ("the Debtor") is the owner of her residence, the real property located at 180 Walton Drive, Morrisville, PA ("the Property"). The Debtor commenced the above chapter 13 bankruptcy case on September 8, 2010. On February 16, 2011, PE-NC, LLC ("PE-NC") filed a secured proof of claim ("the PE-NC Proof of Claim"), asserting that it is the holder of a note secured by a mortgage...
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