Billy Stinnett purchased a truck on credit from Texarkana Truck Center, Inc. (TTC) in Texas. The parties entered into a security agreement, with the truck as collateral. TTC assigned its interest in the truck to Mercedes-Benz Credit Corporation (MBCC) (defendant). The security agreement listed Stinnett’s home address in Arkansas, which is where he drove the truck after purchase. Stinnett used Trux, Inc. (Trux) to register the truck in Oklahoma, using a business address Trux acquired for that purpose. Oklahoma issued the title for the truck, which reflected the MBCC lien. Stinnett operated the truck from his Arkansas residence to destinations in Texas, Colorado, Oklahoma, and Kansas. [Stinnett eventually filed for bankruptcy.] The bankruptcy trustee, William S. Meeks (plaintiff) filed an adversary action, seeking to avoid the MBCC lien on the ground that the title should have been issued in Arkansas. The bankruptcy court ruled in favor of MBCC, as did the district court on appeal. Meeks appealed to the United States Court of Appeals for the Eighth Circuit.