not be considered preferential because the creditor would not receive more than in a chapter 7 liquidation,’ ” Committee of Creditors Holding Unsecured Claims v. Koch Oil Co. (In re Powerine Oil Co.), 59 F.3d 969, 972 (9th Cir.1995) (quoting 5 Collier on Bankruptcy ¶ 547.08, at 547-47 (Lawrence P. King ed., 15th ed.1995)), our previous cases have not defined what it takes to make a creditor “fully secured” within the meaning of § 547(b)(5). The mere fact that the value of a creditor’s collateral exceeds the bankrupt’s indebtedness in a “snapshot” on the petition date does not establish that a creditor is fully secured for purposes of § 547(b)(5) analysis. See Official Comm. of Unsecured Creditors v. Am. Sterilizer (In re Comptronix Corp.), 239 B.R. 357, 362-63 (Bankr.M.D.Tenn.1999) (<HOLDING>). Instead, § 547(b)(5) requires the court to
holding that the secured creditor was only entitled to the amount of its claim as provided in the debtors chapter 13 plan when the destruction of the vehicle yielded insurance proceeds greater than the secured creditors claim holding that a debt incurred for a personal family or household purpose is a consumer debt even though it is secured by the debtors real property holding that a creditor cannot defeat a claim of preference merely by showing that the debt is fully secured on the petition date holding that a 910claim is fully secured and requires that interest be added to the payment to arrive at the present value of the claim holding that where a security agreement contained collateral other than collateral for which creditor advanced funds to debtor since it secured antecedent debts as well as new debt and the agreement provided that the security interest secured payment and performance of the debtors present and future debts to the creditor the creditor did not have a pmsi and the debtors could avoid the creditors lien on collateral claimed as exempt