Case: 14-12486    Date Filed: 09/30/2014   Page: 1 of 2


                                                         [DO NOT PUBLISH]



            IN THE UNITED STATES COURT OF APPEALS

                    FOR THE ELEVENTH CIRCUIT
                      ________________________

                            No. 14-12486
                        Non-Argument Calendar
                      ________________________

                D.C. Docket No. No. 2:14-cv-00079-RWS,
                      Bkcy No. 13-bkc-23101-REB


In Re: AMANDA LAURA VANDER IEST,
                                                                         Debtor.

__________________________________________________________

BANK OF AMERICA, NA,

                                                             Plaintiff-Appellant,
                                  versus

AMANDA LAURA VANDER IEST,

                                                           Defendant-Appellee.

                      ________________________

               Appeal from the United States District Court
                  for the Northern District of Georgia
                     ________________________

                            (September 30, 2014)
              Case: 14-12486     Date Filed: 09/30/2014    Page: 2 of 2


Before WILSON, WILLIAM PRYOR and ROSENBAUM, Circuit Judges.

PER CURIAM:

      Bank of America, NA, appeals a judgment in favor of Amanda Laura

Vander Iest in her bankruptcy proceeding. The district court affirmed summarily

the ruling of the bankruptcy court that a second priority lien held by Bank of

America, which is subordinate to a first priority lien that exceeds the fair market

value of Vander Iest’s real property, is a wholly unsecured claim that Vander Iest

can “strip off” in her voluntary petition for bankruptcy under Chapter 7. See 11

U.S.C. § 506(d); Folendore v. United States Small Bus. Admin., 

,

1538–39 (11th Cir. 1989). We affirm.

      Bank of America challenges the judgment on a ground that it admits is

foreclosed by precedent. Bank of America argues that our holding in Folendore

that a debtor can “strip off” a wholly unsecured second priority lien was “squarely

repudiated” by the Supreme Court in Dewsnup v. Timm, 

, 

(1992), but we held in In re McNeal, 

(11th Cir. 2012), that

Dewsnup did not overrule or abrogate our holding in Folendore. 

“Under our prior precedent rule, a panel cannot overrule a prior one’s holding even

though convinced it is wrong.” United States v. Steele, 

, 1317–18

(11th Cir. 1998) (en banc).

       AFFIRMED.


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