
    In re: Jeffrey KEARNS; In re: Dinetha Kearns, Debtors, Jeffrey Kearns; Dinetha Kearns, Appellants, v. Transamerica Home Loan, Appellee.
    No. 04-56920.
    United States Court of Appeals, Ninth Circuit.
    Submitted Aug. 17, 2006.
    
    Filed Sept. 14, 2006.
    Dennis C. Winters, Esq., Winters Law Firm, Santa Ana, CA, for Debtors/Appellants.
    Steven B. Scow, Esq., Sheppard, Mullin, Richter & Hampton, Costa Mesa, CA, for Appellee.
    
      Before: KOZINSKI, O’SCANNLAIN, and BYBEE, Circuit Judges.
    
      
       This panel unanimously finds this case suitable for decision without oral argument. See Fed. R.App. P. 34(a)(2).
    
   MEMORANDUM

We affirm for substantially the same reasons as given by the Bankruptcy Appellate Panel. See In re Kearns, 314 B.R. 819 (9th Cir. BAP 2004). 
      
       This disposition is not appropriate for publication and may not be cited to or by the courts of this circuit except as provided by 9th Cir. R. 36-3.
     