On June 1, 2015, the United States Supreme Court issued an opinion in Bank of America, N.A. v. Caulkett, 575 U. S. ____ (2015), holding a debtor in a Chapter 7 bankruptcy proceeding may not void a junior mortgage under 11 U.S.C. §506(d) even if the debt owed on a senior mortgage exceeds the present value of the property.