11th Cir. – Pre-petition Transfer of Cash To Pay Down Secured Debt of Exempt Asset And Protect From Creditors Is Not Per Se Fraudulent Or Subject to Equitable Lien

In Chauncey v. Dzikowski, No. 05-12543 (11th Cir. July 7, 2006), debtor, prior to filing for bankruptcy, received a personal injury settlement and had the proceeds sent directly to her mortgagee.  This payment was applied to her principal and…