464 B.R. 61 (2011)
IN RE EMERSON;
Nos. 11-8015, 09-09534.
IN RE EMERSON;
RICHARDSON
v.
CITIMORTGAGE, INC.
Nos. 11-8015, 09-09534.
United States Bankruptcy Appellate Panel for the Sixth Circuit.
October 7, 2011.DECISION WITHOUT PUBLISHED OPINION
Affirmed.