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IN RE BULLARD

BAP No. MB 12-054. Bankruptcy No. 10-23503-WCH.

494 B.R. 92 (2013)

Louis B. BULLARD, Debtor. Louis B. Bullard, Appellant, v. Hyde Park Savings Bank, Appellee.

United States Bankruptcy Appellate Panel of the First Circuit.

May 24, 2013.

Attorney(s) appearing for the Case

David G. Baker, Esq. , Boston, on brief for Appellant.

Andrew E. Goloboy, Esq. and Ronald W. Dunbar, Jr., Esq. , Boston, on brief for Appellee. Tara Twomey, Esq. , on brief for amicus curiae, National Association of Consumer Bankruptcy Attorneys.1

Before HAINES, TESTER, and GODOY, United States Bankruptcy Appellate Panel Judges.

HAINES, Bankruptcy Judge.

Louis B. Bullard appeals the bankruptcy court's order denying confirmation of his third amended chapter 13 plan. As explained below, we AFFIRM.

Bullard's plan proposed to bifurcate Hyde Park Savings Bank's secured claim. It sought to reduce the secured portion of the claim to the value of the collateral and to pay the balance a dividend (cents on the dollar) as an unsecured claim. At the same time, the plan proposed that...

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