The opinion of the court was delivered by: David N. Hurd United States District Judge
MEMORANDUM DECISION and ORDER
Debtors-Appellants John S. Palmatier and Heather A. Palmatier ("debtors") appeal from an order of Hon. Robert E. Littlefield, Jr., Chief United States Bankruptcy Court Judge for the Northern District of New York. Over debtors' opposition, Chief Judge Littlefield ordered, inter alia, that creditor-appellee Wells Fargo National Bank ("creditor") has a validly perfected purchase money security interest in the debtors' home furniture set forth within the proof of claim submitted to the bankruptcy court. (See Order, Dkt. No. 1-1, 2.) The parties filed their briefs, and the appeal was taken on submission without oral argument.
On June 13, 2007, debtors purchased furniture from local retailer Raymour & Flanigan for the sum of $2,969.89. Included in the total amount paid was $249.95 for a "Platinum Protection Plan." Debtors later filed a Chapter 13 bankruptcy petition on December 7, 2007, under which creditor was listed as having an unsecured claim to the purchase money for the furniture. On December 28, 2007, creditor filed a secured proof of claim for the remaining amount of money owed for the furniture, $2,852.89. (See Ex. B to Creditor's Opp'n to Debtors' Objection to Claim, Dkt. No. 3-4.)
The sales order ticket provides, in pertinent part: "SECURITY INTEREST. You agree to give the applicable party (WFFNB or Raymour & Flanigan Furniture) a purchase money security interest in goods purchased in this transaction to the extent provided by law." Id. at 2. The signature page signed by Mr. Palmatier reads, in pertinent part:
Your signature means that you have read and agree to the terms of our Credit Card Account Agreement and our Authorization Agreement.
You give us and we will retain a purchase money security interest in goods purchased under this agreement.
If we do not approve your application for credit, you agree to allow us to forward your application to Raymour & Flanigan Furniture for consideration of credit approval. Raymour & Flanigan Furniture will independently investigate, verify and consider your application.
Id. at 3. Last, the credit card agreement bears the title, "Raymour & Flanigan Credit Card Account Agreement General Terms." Id. at 4. It reads, in pertinent part:
To the extent permitted by applicable law, you hereby grant to us and we are retaining a purchase money security interest under the Uniform Commercial Code in the merchandise purchased on your account until such merchandise is paid for in full. You agree to assist us in executing any document necessary to perfect our security interest. If you do not make a minimum payment due on your account ...