MEMORANDUM OPINION
TRACEY N. WISE, Bankruptcy Judge.
The primary issue is whether the Defendant Creditors, U.S. Bank, as Trustee for the Certificate Holders of the Mortgage Pass-Through Certificates 1997-R3, and Ocwen Loan Servicing, LLC, have a valid claim against the Plaintiff Debtor Pamela Tolliver for $836.24 in unpaid principal, $19.11 in interest, and $4,697.83 in other fees and charges, for a total of $5,553.18 in secured debt per Proof of Claim ...
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