A creditor secured by a security interest in the debtors’ manufactured home objected to confirmation of the debtors’ Chapter 13 plan because the plan did not provide for full payment of the claim, but rather proposed to reduce the secured claim to the value of the manufactured home. The debtors' plan, argued the creditor, was an impermissible cramdown under the hanging paragraph of 11 U.S.C. § 1325(a), as the manufactured home was purchased within 910 days of the petition date. The debtors contended the hanging paragraph of § 1325(a) did not apply to the claim because the manufactured home was not a “motor vehicle” within the meaning of 49 U.S.C. § 30102 and, thus, was not a “motor vehicle” purposes of the hanging paragraph of § 1325(a).
The Court concluded the debtors’ manufactured home was not a “motor vehicle” within the meaning of 49 U.S.C. § 30102 and the hanging paragraph of 11 U.S.C. § 1325(a). The Court found its conclusion supported by (1) the plain meaning of 49 U.S.C. § 30102(a)(7); (2) persuasive authority; and (3) official guidance provided by the federal agency tasked with administering the relevant motor vehicle laws.