United States Bankruptcy Court, E.D. Michigan July 26, 2013, Bankruptcy No. 13-40987; Adversary No. 13-4266 (McKinney v. JP Morgan Chase Bank (In re McKinney))

TRIAL OPINION

THOMAS J. TUCKER, Bankruptcy Judge.

I. Introduction

In this adversary proceeding, Plaintiff Carl McKinney (“Plaintiff’), who is the Debtor in a pending Chapter 13 bankruptcy case, seeks a judgment determining that in his proposed Chapter 13 plan, he may treat as a wholly unsecured claim the claim of the Defendant JP Morgan Chase Bank (“Defendant”).