MEMORANDUM OPINION

This case is here on remand from the Fifth Circuit, which ordered this Court to detgrmine whether a foreclosure commission claimed by a substitute trustee and attorney fees claimed by a mortgagee, b.oth of which this Court earlier held unreasonable under section 506, nonetheless can and should be allowed under section 502. As discussed below, the substitute trustee’s claim is allowed under section 502 because the claim is enforceable under state law and does not fall within any of the section 502(b) exceptions. However, the mortgagee’s claim for attorney’s fees is disallowed under section 502 because the mortgagee failed to prove that its fees were enforceable under state law.

I. BACKGROUND

The background of the ease is straightforward, if unusual. 804 Congress, L.L.C., (the “Debtor ”) borrowed money from Wells Fargo Bank, N.A. (“Wells Fargo ”) to purchase an office building (the “Property ”). The Debtor defaulted on the loan *216and filed bankruptcy twice to fight off foreclosure. The Debtor tried to sell the Property, but could not. After receiving relief from the automatic stay in the Debt- or’s second bankruptcy case, Wells Fargo directed the substitute trustee, Greta Goldsby (“Goldsby ”), to post the property for foreclosure once again. The Property was sold during the foreclosure sale for $4,355,000. Since Wells Fargo’s claim was only $4,114,586, this left $240,464 in surplus proceeds. The Deed of Trust securing the Property provided for the recovery of Wells Fargo’s reasonable attorney’s fees and collection costs, and for Goldsby to collect a commission of five percent of the sales proceeds in the event of a foreclosure. Since all creditors have been paid in full, the question before this Court was, and is, whether the surplus will be applied, in whole or in part, to the attorney’s fees and the trustee’s commission, or paid to the Debtor.

II. PRIOR PROCEEDINGS

This Court held a hearing in January of 2011 (the “Claim Objection Hearing ”), after which it determined that it had jurisdiction to consider allowance of Goldsby’s $217,750 claim for her foreclosure commission, and of Wells Fargo’s $83,327 claim for attorney’s fees.1 This Court then determined that a $217,750 foreclosure commission was unreasonable, and could not be allowed under section 506.2 However, this Court did find that $7,500 was a reasonable fee based on the work Goldsby performed,3 and so allowed the claim in that amount. Finally, this

Court determined that none of the fees requested by Wells Fargo could be allowed under section 506, as Wells Fargo failed to support its claim with sufficient documentation.4 This Court then ruled on the allowance of Wells Fárgo’s claim under section 502, and found that it could not be allowed as an unsecured claim either.5 It appears that this Court did not rule on the allowance of Goldsby’s commission under section 502.6

On appeal, the District Court reversed and remanded, holding that once this Court lifted the automatic stay and the foreclosure sale occurred, it no longer had jurisdiction over the property or the proceeds of the foreclosure sale.7 The Debtor appealed the District Court’s ruling to the Fifth Circuit, which first ruled that this Court did have jurisdiction to determine the reasonableness of the fees under section 506.8 The Fifth Circuit then ruled that this Court did not abuse its discretion in determining that only $7,500 of the commission sought by Goldsby, and none of the fees sought by Wells Fargo, were rea*217sonable and allowable under section 506.9 Finally, the Fifth Circuit noted that Golds-by and Wells Fargo argued that even if the fees were properly disallowed under section 506, they should nonetheless be allowed as unsecured claims under section 502.10 The Fifth Circuit went on to say that this argument raised a significant legal issue, as to which several circuit courts had ruled, but also noted that it was not clear whether the section 502 issues had been properly raised or considered by this Court.11 Accordingly, the Fifth Circuit remanded the case to this Court to consider whether the fees can and should be allowed as unsecured claims under section 502.12

III. JURISDICTION AND AUTHORITY

The allowance of fees under section 506 implicates federal law, as those fees must be “reasonable” under a federal law standard.13 In addition, bankruptcy jurisdiction extends to matters that can have a “conceivable effect on the estate being administered in bankruptcy,”14 and the allowance of a secured claim for fees under section 506 will have an effect on the estate because the fees allowed will decrease the unencumbered value available from the collateral to satisfy unsecured claims or equity. Allowance of an unsecured claim under section 502 affects the estate in the same way because doing so will dilute the distribution to other unsecured creditors or to equity. Of course, Congress considered allowance of claims under section 502 to be within the core jurisdiction of the bankruptcy court.15 And based on the Supreme Court’s discussion in Stem v. Marshall, the bankruptcy court has constitutional authority to issue final orders on allowance of claims.16

IV. ANALYSIS

A. Should the Claims of Wells Fargo and Goldsby be Allowed Under Section 502?

To determine whether the claims of Wells Fargo and Goldsby should be allowed under section 502, this Court must consider: (1) who had the burden of proof; (2) whether the parties raised their arguments under section 502 before the Claim Objection Hearing; and (3) whether the evidence shows that Wells Fargo and Goldsby have enforceable claims under section 502.

1. Wells Fargo and Goldsby had the burden of proving the amount and validity of their claims.17

A creditor must file a proof of claim to obtain a distribution from the estate.18 *218Here, Goldsby filed a proof of claim in the amount of $217,750, representing her five percent commission from the proceeds of the foreclosure sale.19 Wells Fargo also filed a proof of claim, asserting a claim for $3,278,146.35, which included $83,326.80 in legal fees.20 For supporting documentation, Goldsby and Wells Fargo each attached a document to their respective proofs of claim called “Summary of Supporting Documentation and Itemized Statement of Interest and Charges” (the “Summary ”), which lists the note, deed of trust, and related documents. But neither claim attached any of the listed documents. In support of its claim for legal fees, the Wells Fargo Summary only says: “Other Fees — Legal: $83,326.”21 Notably, Wells Fargo did not attach documents detailing the legal fees to its proof of claim. Similarly, as to the foreclosure commission, the Goldsby Summary only says: “$217,-750.00 — for expenses of foreclosure, including a commission to Trustee of 5% of the bid per the Deed of Trust (5% of $4,355,000.00).”22

If a creditor files a proof of claim, the claim is deemed allowed, unless a party in interest objects.23 “Deemed allowed” means that the holder of the claim will be able to “receive distribution from the debt- or’s assets in a case or under a plan.”24 To avoid this result, a party in interest must file a written objection to the claim.25 Here, the Debtor did file objections, one to the Goldsby claim, and one to the Wells Fargo claim.26 Upon objection by a party in interest, the claim is no longer “deemed allowed” under section 502(a); however, if the proof of claim was correctly filed in accordance with the relevant rules, it still constitutes “prima facie proof of that claim’s validity and dollar value.”27 In its *219amended brief in support of its objection to the Wells Fargo claim, the Debtor argued that the claim is not prima facie valid because no documents were attached28— such as billing invoices, or more helpfully, the contemporaneous time records generally used in and out of bankruptcy cases to determine the reasonableness of fees.29 Additionally, the Debtor objected to both of the Wells Fargo and Goldsby claims on the grounds that both sought postpetition expenses under. 11 U.S.C. § 506(b) that had to be requested through a motion rather than a proof of claim, and that the fees were unreasonable and should be disallowed under section 506(b).30

If a party in interest objects to a proof of claim that is entitled to prima facie validity, the burden is on the objecting party to introduce evidence sufficient to rebut the presumption of validity.31 To rebut the claim, the evidence the objecting party produces must be “at least equal in probative force to that offered by the proof of claim and which, if believed, would refute at least one of the allegations that is essential to the claim’s legal sufficiency.”32 If the objecting party produces sufficient rebuttal evidence, the burden shifts to the claimant to prove its claim by a preponderance of the evidence.33 For claims that ' are not entitled to prima facie validity, the claimant bears the initial burden to produce evidence to support the amount and validity of the claim.34

*220Here, regardless of whether the Wells Fargo and Goldsby claims are entitled to the presumption of prima facie validity, this Court finds that the Debtor sufficiently rebutted the presumption of validity and the burden was on Wells Fargo and Goldsby to produce evidence to support their claims. As noted, Wells Fargo attached no evidence to support its claim for attorney’s fees.35 Goldsby likewise failed to attach documentation to support her claim.36 In its objections to the claims, the Debtor argued that the fees and commission were not reasonable,37 “which, if believed, would refute at least one of the allegations that is essential to the [claims’] legal sufficiency”38 under section 506, and as we shall see, under section 502 as well. In other words, since Wells Fargo and Goldsby merely asserted that the Debtor owed fees and provided no evidence to support the amounts owed, the Debtor’s assertion that the amounts claimed were too high was “at least equal in probative force” to the evidence in the claims.39 Therefore, the burden of production shifted to Wells Fargo and Goldsby to adduce evidence to support their claims.40

2. Both parties sufficiently raised their section 502 arguments before the Claim Objection Hearing.

The next questions are whether Wells Fargo and Goldsby sufficiently and timely raised section 502 as a basis for allowance of their claims, and whether the Debtor adequately objected to allowance under section 502. As the Debtor pointed out in its post-remand brief, Wells Fargo and Goldsby requested only a secured claim for their fees in their proofs of claim; they requested unsecured claims for the first time at the Disclosure Statement hearing, and never amended their proofs of claim to assert unsecured claims.41 However, the Debtor has not objected to the requests by Wells Fargo and Goldsby for unsecured claims on the ground that they did not properly assert them, and cannot seriously argue that it did not have notice that Wells Fargo and Goldsby wanted their fees allowed as unsecured claims. In fact, when the Debtor became aware of the alternate argument made by Wells Fargo and Goldsby for allowance under section 502, the Debtor amended its plan of reorganization to provide for the contingency that this Court would allow the fees and commission as unsecured claims.42

*221But did the Debtor properly raise an objection to allowance of the claims under section 502? In their post-remand brief, Wells Fargo and Goldsby correctly point out that the Debtor’s original objections to their claims did not mention section 502.43 However, the Debtor later filed a brief in support of its objections raising, albeit for the first time, the argument that the claims should be disallowed under section 502(b)(1).44 Then, the next day, the Debt- or filed an amended brief in support of its objections.45 In the amended brief, the Debtor further elaborated on its argument that the claim should be disallowed under section 502(b)(1).46 Specifically, the Debt- or argued that Goldsby’s claim is an entirely postpetition claim that cannot be recovered under section 502.47 As to Wells Fargo, the Debtor noted in this amended brief that at the hearing on the Debtor’s disclosure statement, Wells Fargo indicated that it would seek allowance of the disputed fees and expenses as an unsecured claim if those charges were denied as a secured claim and went on to argue that a determination that Wells Fargo’s fees are unreasonable under section 506(b) precludes recovery under section 502(b).48

This amended brief is more than enough to put section 502 allowance in play under the Fifth Circuit’s decision in Southland Corp. v. Kilgore & Kilgore (In re Southland Corp.).49 In Southland, the creditors argued that the debtor never properly objected to their claim for attorney’s fees because the debtor did not formally specify that the Texas Civil Practice and Remedies Code did not provide for recovery of the fees.50 The Fifth Circuit found that the debtor properly objected on that basis in a letter brief, filed before the hearing, and at a second hearing on the claims objection.51 The Fifth Circuit noted that Rule 3007 only says that the objection must be in writing and filed with the court, and found this requirement satisfied in that the amended objection to claim put the creditor on notice of a dispute, and the letter brief specified the legal theory behind the challenge.52 If a letter was sufficient in Southland, then clearly the brief and amended brief filed by the Debtor here were enough to raise the section 502 objection. Furthermore, both parties argued the section 502 issue at the Claim Objection Hearing and “[t]he federal rules provide for belated and even implied amendment of pleadings to include issues in fact tried.”53 In fact, Judge Gargotta, *222the judge previously assigned to this case, mentioned section 502 in discussing the burden of proof with the parties at the start of the Claims Objection Hearing,54 and expressly ruled on Wells Fargo’s section 502 claim in his oral ruling on the claims objections.55 Therefore, this Court finds that the section 502 issue was more than adequately raised by both parties, and was properly before this Court at the Claim Objection Hearing.

3. Wells Fargo did not provide evidence to support the enforceability of its claim under applicable state law; Goldsby did.

When a party in interest objects to a claim, the court must determine the amount of the claim as of the date the bankruptcy petition was filed and allow the claim unless it falls under one of nine exceptions.56 The only exception relevant here is found in section 502(b)(1) — “such claim is unenforceable against the debtor and property of the debtor under any agreement or applicable law for a reason other than because such claim is contingent or unmatured.”57 According to the Supreme Court, section 502(b)(1) should be interpreted “with the settled principle that ‘[cjreditors’ entitlements in bankruptcy arise in the first instance from the underlying substantive law creating the debtor’s obligation, subject to any qualifying or contrary provisions of the Bankruptcy Code.’ That principle requires bankruptcy courts to consult state law in determining the validity of most claims.”58

Here, the “underlying substantive law” comes from Texas. As to Wells Fargo’s claim for attorney’s fees, Texas law requires that the fees be reasonable.59 Factors that courts consider to determine if fees are reasonable under Texas law include, among other things:

(1) the time and labor required, the novelty and difficulty of the questions involved, and the skill requisite to perform the legal service properly;

(2) the fee customarily charged in the locality for similar legal services;

(3) the amount involved and the results obtained; and

(4) the experience, reputation, and ability of the lawyer or lawyers performing the services.60

Without evidence on these factors, this Court “has no meaningful way to determine if the fees were in fact reasonable and necessary.”61

To support its request for fees, Wells Fargo called Amy Planty (“Planty ”) *223to testify in her capacity as vice president and loan adjuster for Wells Fargo.62 But she only testified that Wells Fargo was billed $83,327 in legal fees before the foreclosure sale.63 This testimony was insufficient. Wells Fargo needed to produce some form of record or testimony showing what services were rendered, what hourly rate was charged, how these fees were commensurate with the benefit provided to the client, and who provided the services, in order for this Court to determine whether the fees were reasonable under the circumstances of this case, and so enforceable under Texas law.64

Wells Fargo admitted that it chose not to produce detailed fee evidence for “tactical” reasons because its strategy was to challenge the jurisdiction of the bankruptcy court.65 This is a tactical decision Wells Fargo will now have to live with. Concluding that the claim is unenforceable under state law, this Court concurs with and adopts Judge Gargotta’s prior ruling that Wells Fargo’s claim for attorney’s fees under section 502 is denied because Wells Fargo provided no evidence to support the reasonableness of the fees requested.66

However, it appears that Judge Gargotta did not rule on Goldsby’s request for allowance of the remainder of her commission as an unsecured claim under section 502,67 and so this Court will now do so. Unlike Wells Fargo, Goldsby provided ample and undisputed documentation to support her claim in response to the Debtor’s Motion to Authorize Distribution of Pro*224ceeds by including as exhibits the Deed of Trust, which set out her five percent commission, and the document appointing her as substitute trustee.68 Then, at the Claim Objection Hearing, Goldsby testified that she was appointed substitute trustee by Wells Fargo and directed to sell the Property at foreclosure.69 During her testimony, Goldsby read into the record the section of the Deed of Trust that provided for her five percent commission.70 She stated that five percent of the $4,355 million foreclosure sale price was $217,750.71 This evidence is more than sufficient to establish Goldsby’s claim under the “underlying substantive law” of Texas.72

Additionally, the Debtor agreed to the five percent commission by signing the Deed of Trust. Furthermore, the Debtor, as discussed below, conceded at the remand hearing that the five percent commission is reasonable and limited its objection to the legal argument that disallowing the remainder of Goldsby’s commission as unreasonable under section 506 prevents her from collecting it as an unsecured claim under section 502.73 Based on this, and on the evidence submitted to support the claim at the Claim Objection Hearing, this Court finds that Goldsby is entitled to the remainder of her commission as an unsecured claim under section 502 because the commission is enforceable against the Debtor under the Deed of Trust and state law.74

B. Can Goldsby’s Remaining Commission be Allowed Under Section 502 After it was Ruled Unreasonable Under Section 506?

Finally, this Court addresses the issue of whether Judge Gargotta’s prior determination that only $7,500 of the Goldsby commission can be allowed under section 506 means that the balance of the contractually agreed commission cannot be allowed as an unsecured claim under section 502.75 As the Fifth Circuit noted while remanding the case back to this Court, the First, Eleventh, and Ninth Circuits have determined that disallowance under section 506 does not foreclose allowance under section 502,76 and that might be *225a sufficient answer for this Court. However, the Fifth Circuit also noted that those appellate decisions could be in tension with the Supreme Court’s decision in United Savings Ass’n of Texas v. Timbers of Inwood Forest Associates, Ltd.77 In addition, two Texas bankruptcy judges, including one from this District, have written thoughtful opinions concluding that attorney’s fees can only be allowed under section 506, and not under section 502.78 In light of these conflicting considerations and the Fifth Circuit’s discussion of these authorities, this Court looks at the issue anew.

At the outset, it is not clear whether Judge Gargotta treated the Goldsby commission as attorney’s fees, or as a different kind of fee or cost. Goldsby testified that if the commission is allowed and paid, it will be paid to her firm in the same manner as any other fees collected by the attorneys in the firm.79 However, this commission was clearly one earned in exchange for the service of conducting the foreclosure sale, and not for what would commonly be thought of as rendering legal services.80 In any event, the language of sections 506 and 502 makes no distinction between attorney’s fees, on the one hand, and costs, on the other, and so for purposes of this analysis, it should not matter how this Court characterizes Goldsby’s commission.81

In addition to the general argument that fees disallowed under section 506 cannot be allowed under section 502, the Debtor made two other more specific arguments. In its postremand brief, the Debtor argues that the remainder of Goldsby’s commission should be disallowed because postpetition attorney’s fees can only be allowed under section 506(b) and Judge Gargotta already ruled that the remainder of the commission could not be allowed under section 506(b).82 The Debtor also argues that the commission sought by Goldsby should be disallowed on the basis that attorney’s fees cannot be allowed as unsecured claims if the services were rendered after the petition date.83 Courts that have analyzed allowance of fees under sections 502 and 506 have considered both of the Debtor’s arguments, as well as the application of the Supreme Court’s decision in Timbers,84 and whether equity and policy *226favor disallowing fees and costs under § 502.85 Therefore, this Court will address all four arguments. Notably, all of the five circuit courts that considered this issue allowed the unsecured claims.86

1. Section 502 governs allowance of all claims; section 506 governs allowance of secured claims.

The Debtor’s primary argument against allowance under section 502 appears to be that because section 506 states that “to the extent” a claim is oversecured, “there shall be allowed” related fees and costs under section 506(b), the only way fees and costs can be allowed is under section 506.87 The problems with this argument are several. First, section 506(b) only addresses ov-ersecured claims.88 In contrast, section 502 is very general — addressing the allowance or disallowance of all claims that could be filed against an estate.89 As the Ninth Circuit noted in SNTL Corp. v. Centre Insurance Co. (In re SNTL Corp.),90 where Congress intended to provide an exception to the general allowance provisions of section 502, it did so expressly in section 502(b), and section 506 is not one of the exceptions listed in section 502(b).91

Second, as discussed by the First and Ninth Circuits in UPS Capital Business Credit v. Gencarelli (In re Gencarelli) and SNTL Corp, respectively, the topic of section 506 is allowance of secured claims.92 It does not say or imply that disallowance as a secured claim under section 506 constitutes disallowance under section 502. Put another way, section 502 deals with the allowance of claims in general, whereas section 506 deals with the allowance of *227claims as secured claims, and is silent on what happens to a claim that is disallowed as a secured claim.93

Third, the Supreme Court’s unanimous opinion in Travelers Casualty & Surety Co. of America v. Pacific Gas & Electric Co.94 is instructive. The Travelers decision overturned a judge made -rule, the Fobian rule, in the Ninth Circuit that had held that attorney’s fees could not be recovered for litigating bankruptcy issues.95 The Supreme Court looked to the text of section 502, and to the definition of claim in section 101(5)(A), and concluded that courts should allow claims against the estate if the claims are enforceable under substantive nonbankruptcy law, unless the enumerated exceptions contained in section 502(b) apply.96 The Supreme Court then looked at the attorney’s fees at issue and determined that because the attorney’s fees were enforceable under nonbankrupt-cy law, and not included within the exceptions contained in section 502(b), they should have been allowed.97

Here, Goldsby’s commission is enforceable under the Deed of Trust and state law, and does not fall under any of the other section 502(b) exceptions; thus, under the Supreme Court’s analysis in Travelers, it should be allowed. Although the Supreme Court in Travelers expressly did not rule on whether a section 506(b) ruling precludes allowance under section 502,98 the Supreme Court’s instruction to apply substantive law to determine the enforceability of the claim under section 502, together with the settled rule that a federal law test of “reasonableness” applies to allowance under section 506(b),99 establishes that different tests apply under sections 502 and 506.100 And this follows as they *228are different statutes designed to accomplish different purposes. This disposes of the Debtor’s argument that the portion of the commission deemed “unreasonable” under section 506 cannot be allowed under section 502. The test under section 502 is not whether the commission is reasonable; but rather, whether the commission is enforceable,101 and the enforceability of the commission was conceded by the Debtor at the postremand hearing:

THE COURT: 5% is generally reasonable for real estate transactions regardless of how much time was spent.

MR. SATHER: Yes.

THE COURT: I think this is from the 5th Circuit opinion and there’s footnote 30 in that opinion and it has a bunch of cases ...

MR. SATHER: Right and the testimony was that the 'foreclosure practice was kind of a loss leader because in cases where it was bid in they didn’t get a trustee’s commission and she only got it on the rare ones where there were surplus proceeds. And so to the extent that 502(b) does not cut off their claim as of the petition date and to the extent that they argued that denial under 506(b) does not also deny them under 502, then they would be allowable. I mean, I can read a deed of trust and I don’t disagree with the math that the sales proceeds times 5% equals $217,750.102

So the commission, while unreasonable under section 506, is still enforceable under section 502.

2. Frenville Redux: Prepetition claims can be allowed even though they are determined by postpetition events.

Adopting a now discredited argument accepted at one time by the Third Circuit in Avellino & Bienes v. M. Frenville Co., Inc. (In re Frenville),103 the Debtor next asserts that claims incurred postpetition cannot be allowed as unsecured claims because section 502(b) only allows claims as they existed on the petition date; so amounts accrued postpetition cannot be allowed as part of the claim.104 This argument misses the fact that Golds-by’s commission is actually a prepetition obligation, imposed on the Debtor by the loan documents,105 which became fixed postpetition when the foreclosure sale took place. That the debt was contingent and unliquidated on the petition date does not take it out of the definition of “claim” under section 101(5),106 and certainly does not prevent it from being allowed under *229section 502.107 In fact, section 502(c) provides for estimation of “any contingent or unliquidated claim, the fixing or liquidation of which ... would unduly delay the administration of the case ...”108 As mentioned above, the argument that a claim is not a prepetition claim if it is based on prepetition conduct, but does not accrue until after the petition date, is the same argument that was accepted by the Third Circuit in Frenville.109 Frenville was roundly criticized110 and ultimately reversed by the Third Circuit.111 Furthermore, looking to prepetition conduct, agreement, or relationship in determining the prepetition status of a claim, rather than when the claim accrued, is why many environmental claims are treated as unsecured claims — even though the liability will not become fixed until the cleanup actually occurs, which may be years after the bankruptcy. As stated by the 5th Circuit in Louisiana Department of Environmental. Quality v. Crystal Oil Co. (In re Crystal Oil), “a regulatory environmental claim will be held to arise when ‘a potential ... claimant can tie the bankruptcy debtor to a known release of a hazardous substance.’ ”112 Here, the Debtor obviously knew about its obligation to pay Goldsby’s commission in the event of a foreclosure when it signed the Deed of Trust prior to bankruptcy. Thus, the fact that the foreclosure commission was earned postpetition does not prevent its allowance as a prepetition unsecured claim under section 502, and the Second and Ninth Circuits have so held in this very context.113

*2303. Timbers applies to interest, not fees and costs.

Another reason courts say that unsecured creditors cannot collect postpetition attorney’s fees and costs, is that the Supreme Court’s ruling in Timbers114 mandates such a result. According to the bankruptcy court in In re Electronic Machinery Enterprises, Inc.:115

In Timbers, the Supreme Court concluded that because section 506(b) permitted post-petition interest to be paid only out of an equity cushion, an undersecured creditor who had no such equity cushion fell within the general rule of disallowing post-petition interest. Courts that rely on Timbers to disallow postpetition attorneys’ fees and costs reason that the rationale applies equally to the disallowance of post-petition attorneys’ fees and costs to unsecured or undersecured creditors.116

But this reading of Timbers actually makes the case stronger for allowance of attorney’s fees under section 502. The reason that postpetition interest can only be paid out of an equity cushion under section 506, and not allowed as an unsecured claim under section 502, is that post-petition interest is expressly disallowed under section 502(b)(2).117 There is no such provision disallowing attorney’s fees or other costs in section 502, and so Timbers’ rationale for disallowing postpetition interest (other than out of an equity cushion) simply has no application to attorney’s fees in general or to Goldsby’s foreclosure commission here.118

4. Neither policy nor equity are needed to properly apply sections 502 and 506.

This Court need not resort to either policy or equity in making its decision, as the answer lies in simply reading the text of sections 502 and 506, and understanding what each section is designed to accomplish. In addition, the policy and equity arguments are at best indecisive. Cases denying fees and costs of secured creditors, or postpetition attorney’s fees, cite “equality of distribution” as a basis.119 They say that if attorney’s fees can be allowed under section 502, contract creditors would have an advantage over tort creditors who cannot contract for recovery of attorney’s fees.120 On the other hand, the court in Qmect, Inc. v. Burlingame Capital Partners II, L.P. (In re Qmect, Inc.),121 concluded that equity was an insufficient basis to deny creditors their contractual claims for attorney’s fees.122

Here, the Debtor presumably filed for bankruptcy to protect its equity in the Property from a hasty foreclosure sale and a resulting low bid. In fact, however, the bid was sufficient to pay all creditors in *231full, meaning that the funds at dispute here will either go to Goldsby or to the Debtor. It would be strange indeed, and not a little inequitable by any measure, if the commission the Debtor contractually agreed to pay to Goldsby is instead paid to the Debtor. Both the First and Eleventh Circuits have decried this anomalous result in solvent debtor cases.123

V. CONCLUSION

In conclusion, this Court holds that the Debtor’s objection to Goldsby’s claim is denied and Goldsby is entitled to an unsecured claim in the amount of $210,250. This Court also holds that the Debtor’s objection to Wells Fargo’s claim for attorney’s fees is granted.