diff --git a/api/application/helpers/smc_creditpd_helper.php b/api/application/helpers/smc_creditpd_helper.php
index 6d5e0902..30e32b82 100644
--- a/api/application/helpers/smc_creditpd_helper.php
+++ b/api/application/helpers/smc_creditpd_helper.php
@@ -552,9 +552,7 @@ class smc_creditpd
 	{
 		$json = json_decode($section['json'],true);
 		$applicant_details =  applicantname_grabber::getLatestApplicantsName(SELF::$current_pd_id);
-		// print_r($json);die();
-
-		$json['owner_name'] = isset($json['owner_name']) ? applicantname_grabber::getMultipleApplicantsNameById($json['owner_name'],$applicant_details) : ''; 
+		$json['owner_name'] = isset($json['owner_name']) && !empty($json['owner_name']) ? applicantname_grabber::getMultipleApplicantsNameById($json['owner_name'],$applicant_details) : ''; 
 		if(isset($json['lender']))
 		{
 		$json['lender'] = SELF::getDBvalue(BTLENDERLIST,BTLENDERLISTID,$json['lender']);