Case: 14-13614   Date Filed: 08/04/2015   Page: 1 of 2


                                                        [DO NOT PUBLISH]

            IN THE UNITED STATES COURT OF APPEALS

                    FOR THE ELEVENTH CIRCUIT
                      ________________________

                            No. 14-13614
                        Non-Argument Calendar
                      ________________________

         D.C. Docket No. 1:14-cv-02022-WSD; 12-bkc-53106-MHM



In Re: DOUGLAS ALLEN CUMPSON,
        JESSIE LYNN CUMPSON,

                                        Debtors.
__________________________________________________

BANK OF AMERICA, N.A.,

                                             Plaintiff - Appellant,

                                 versus

DOUGLAS ALLEN CUMPSON,
JESSIE LYNN CUMPSON,

                                             Defendants - Appellees.

                      ________________________

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

                             (August 4, 2015)
              Case: 14-13614    Date Filed: 08/04/2015   Page: 2 of 2


Before TJOFLAT, WILSON and BLACK, Circuit Judges.

PER CURIAM:

      Bank of America moves to lift the stay on this case and for summary

reversal. We stayed this appeal pending review by the United States Supreme

Court of our decisions in In re Caulkett, 566 F. App’x 879 (2014), and In re

Toledo-Cardona, 556 F. App’x 911 (2014), that allowed a Chapter 7 debtor to

void—that is, extinguish entirely—a junior mortgage lien when the amount owed

on the senior lien exceeds the home’s fair market value. Because the Supreme

Court has disposed of these cases in Bank of America v. Caulkett, 575 U.S. __, 

(2015), we LIFT the stay of this appeal. In light of the Supreme

Court’s decision in Caulkett and this Court’s subsequent decision in In re Waits, __

F.3d __, 

(11th Cir. July 16, 2015), we DENY Bank of

America’s motion for summary reversal, VACATE the district court’s affirmance

of the bankruptcy court, and REMAND for further proceedings consistent with

Caulkett and Waits.




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