Morris v. PHH Mortg. Servs. (In re Phillips)

Trustee utilized strong-arm powers to avoid lien in debtor's manufactured home.
Procedural posture: 
Plaintiff chapter 7 trustee brought an adversary proceeding seeking to avoid the lien of defendant creditor in a manufactured home occupied by defendant debtors as their homestead. The parties submitted the matter for determination on stipulations contained in the pretrial order, stipulated exhibits, oral argument and post-argument briefs.
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Consumer case opionion summary, case decided on December 21,2009, LexisNexis #0210-015