In re Schaefer, No. 10-198-GPM, 2011 U.S. Dist. LEXIS 32278 (S.D. Ill. Mar. 28, 2011)

(trial court's decision that debtors did not give reasonably equivalent value for a mortgage and that, thus, mortgage was fraudulent under 11 U.S.C. Sec. 548(a)(1)(B) and underlying lien should be avoided reversed; bankruptcy court focused on wrong factors; court is to consider any value that debtors received in exchange for the mortgage, and they did receive value in collateralization of their antecedent debt which avoided acceleration, value for securing their direct debt, value in the form of bank's forbearance of repayment of debt and value in form of bank's forbearance of debtors' guarantor obligations).