Form Number LR 4003-2 B (07/10) UNITED STATES BANKRUPTCY COURT FOR THE NORTHERN DISTRICT OF ALABAMA SOUTHERN DIVISION In re: Debtor(s) } } } } } Case No. Chapter MOTION TO AVOID NONPOSSESSORY, NON-PURCHASE MONEY LIEN ON CERTAIN HOUSEHOLD AND PERSONAL GOODS PURSUANT TO 11 U.S.C. § 522(f)(1)(B) NOW COMES ("Debtor"), by and through his or her attorney, , pursuant to 11 U.S.C. § 522(f), Federal Rules of Bankruptcy Procedure 4003(d) and 9014, and Local Rule 4003-2 to request that this Court enter an order avoiding the nonpossessory, non-purchase money security interest held by ____________________________________________________________ ("Creditor"). In support of this motion, the Debtor states: 1. This Court has jurisdiction in this matter pursuant to 28 U.S.C. § 1334(a). This matter is a core proceeding as provided by 28 U.S.C. § 157(b)(2)(K). 2. The Debtor filed a voluntary petition under chapter _______ of the Bankruptcy Code on . At the time of the filing, the Debtor owned and claimed an exemption in certain property; specifically, the Debtor claimed an exemption in (describe property): (the "Property"). 3. The Property is subject to the following nonpossessory, non-purchase money security interests: a. obtained by on ; b. ______________________ obtained by on ; c. on . obtained by 4. The Debtor is entitled to an exemption in the Property in the amount of $_______________ pursuant to ____________________________________________ (insert relevant exemption statute). 5. The Debtor's Property has a fair market value of $ . 6. 11 U.S.C. § 522(f)(2)(A) of the Bankruptcy Code provides that "a lien shall be considered to impair an exemption to the extent that the sum of -- (i) the lien; (ii) all other liens on the property; and (iii) the amount of the exemption that the debtor could claim if there were no liens on the property; exceeds the value that the debtor's interest in the property would have in the absence of any liens." 11 U.S.C. § 522(f)(2)(B) provides that "[i]n the case of a property subject to more than 1 lien, a lien that has been avoided shall not be considered in making the calculation under subparagraph (A) with respect to other liens." American LegalNet, Inc. www.FormsWorkFlow.com Form Number LR 4003-2 B (07/10) 7. Following the formula set forth in 11 U.S.C. § 522(f)(2) for determining whether a lien impairs an exemption, the Debtor: a. Adds the lien being requested to be avoided of all other liens which total and the maximum exemption allowable in the absence of liens of to get a sum of $ $ $ $ . b. From the sum above of subtracts the value of the property in the absence of liens of and finds that the extent of the impairment is $ , $ $ . 8. Because the extent of the impairment of the exemption, exceeds the entire value of the Creditor's lien, the entire lien is avoidable. -ORBecause the extent of impairment, is less than the entire value of the lien, the Creditor's lien can be avoided only to the extent of the impairment of the exemption, and the rest remains as a lien in the amount of , $ __________________, $ __________________, $___________________ $___________________, $___________________, $___________________. 9. A declaration, consistent with Local Rule 4003-2 and the lien avoidance forms found on the Court's website at www.alnb.uscourts.gov/localforms.cfm, or other admissible evidence is attached and submitted in support of this motion. WHEREFORE, the Debtor respectfully requests that this Court enter an order that avoids the nonpossessory, non-purchase money security interest or lien on household and personal goods held by Creditor. DATED: By: ____________________________ American LegalNet, Inc. www.FormsWorkFlow.com