so clearly contemplates that consumer debt include debt secured by real property that there is no room left for any other conclusion.” (internal quotation marks omitted)); Zolg v. Kelly (In re Kelly), 841 F.2d 908, 912 (9th Cir.1988) (“A literal reading of the [Bankruptcy] Code’s simple language leads inexorably to the conclusion that consumer debt includes secured debt.”); Cox v. Fokkena (In re Cox), 315 B.R. 850, 855 (8th Cir. BAP 2004) (“With respect to debt secured by real property, if the debtor’s purpose in incurring the debt is to purchase a home or make improvements to it, the debt is clearly for family or household purposes and fits squarely within the definition of a consumer debt under § 101(8).”); Morris v. Zabu Holding Co. (In re Morris), 385 B.R. 823, 829 (E.D.Va. 2008) (<HOLDING>); In re Naut, 2008 WL 191297 at *5
holding that effect of discharge of debt under bankruptcy code is the same as it was under the 1898 bankruptcy act it is not an extinguishment of the debt but only a bar to enforcement of the debt as a personal obligation of the debt or 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 student loans for debtors sons education were for family purposes and should be considered consumer debt holding that a credit transaction is not a consumer debt when it is incurred with a profit motive holding that the fdcpa applies only to consumer debts incurred primarily for personal family or household purposes