Case: 14-12749   Date Filed: 11/19/2014    Page: 1 of 2


                                                     [DO NOT PUBLISH]



            IN THE UNITED STATES COURT OF APPEALS

                    FOR THE ELEVENTH CIRCUIT
                    ___________________________

                            No. 14-12749
                        Non-Argument Calendar
                    ___________________________

                     Docket No. 1:14-cv-00461-AT,
                     Bkcy No. 13-bkc-72472-WLH


In re: NASRUDDIN LAKHANI,

                                                             Debtor.
__________________________________________________________________

BANK OF AMERICA, N.A.,

                                                             Plaintiff-Appellant,

versus

NASRUDDIN LAKHANI,

                                                           Defendant-Appellee.


                   ______________________________

               Appeal from the United States District Court
                  for the Northern District of Georgia
                 _______________________________
                          (November 19, 2014)
              Case: 14-12749     Date Filed: 11/19/2014   Page: 2 of 2


Before WILLIAM PRYOR, ANDERSON and EDMONDSON, Circuit Judges.


PER CURIAM:

      Bank of America, N.A. appeals the district court’s summary affirmance of

the bankruptcy court’s order voiding a wholly unsecured second priority lien on

residential property owned by a Chapter 7 debtor.

      The bankruptcy court granted Debtor’s request to “strip off” the unsecured

junior lien, based on this Court’s binding precedent in McNeal v. GMAC Mortg.,

LLC (In re McNeal), 

(11th Cir. 2012) (citing Folendore v. United

States Small Bus. Admin. (In re Folendore), 

(11th Cir. 1989)). In

McNeal, we concluded that a Chapter 7 debtor is allowed to “strip off” a second

priority lien on his home, pursuant to 11 U.S.C. § 506(a) and (d), when the first

priority lien exceeds the value of the property.

      Bank of America acknowledges that this panel is bound by the Court’s

decisions in McNeal and Folendore but reserves the right to seek reconsideration

of the issue by the en banc Court. Cf. United States v. Smith, 

, 1359

(11th Cir. 1997) (“Under the prior panel precedent rule, we are bound by earlier

panel holdings . . . unless and until they are overruled en banc or by the Supreme

Court.”).

      AFFIRMED.
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