UNITED STATES BANKRUPTCY COURT DISTRICT OF NEW HAMPSHIRE In re: _________________________________, Debtor _________________________________, Movant v. _________________________________, Respondent Bk. No. ________-_________-_______ Chapter ______ MOTION TO AVOID LIEN PURSUANT TO 11 U.S.C. § 522(f)(2) NOW COMES ________________________ ("Debtor" and "Movant") by and through his attorney, ___________________________________________, pursuant to 11 U.S.C. § 522(f) and Federal Rules of Bankruptcy Procedure 4003(d) and 9014 to request that this court enter an order avoiding the __________________________held by ___________________________________ ("Respondent"). 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). The Debtor filed a voluntary petition under chapter____ of the Bankruptcy Code on _______________________. The property is subject to the following mortgages, judicial liens and/or nonpossessory, nonpurchase-money security interests: a. b. c. d. 4. ________________________ obtained by _______________________ on_____________ ________________________ obtained by _______________________ on_____________ ________________________ obtained by _______________________ on_____________ ________________________ obtained by _______________________ on_____________ 2. 3. The Debtor is entitled to an exemption in the property in the amount of $_____________ pursuant to ____________________(e.g., N.H. RSA 480:1, N.H. RSA 511:2(III)). The Debtor's property has a fair market value of $_________________. Section 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." Section 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." 5. 6. LBF 4003-2A (Eff. 2/1/13) American LegalNet, Inc. www.FormsWorkFlow.com 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 tested for avoidance_________________, all other liens_________________ and the maximum exemption allowable in the absence of liens _________________to get a sum of _________________. From the sum above, _________________, subtracts the value of the property in the absence of liens_________________ and finds that the extent of the impairment _________________. b. 8. Since the extent of the impairment of the exemption, _________________ , exceeds the entire value of the Respondent's lien, _________________, the entire lien is avoidable. Or Since the extent of impairment, _________________ is less than the entire value of the lien, _________________, the Respondent's lien can be avoided only to the extent of the impairment the exemption, _________________, and the rest remains as a lien in the amount of . WHEREFORE, the Debtor respectfully requests that this court enter an order which: A. B. Avoids the ________________________held by_________________________________. Grants such other relief as is fair and equitable. Respectfully submitted, Date: ___________________ ____________________________________ Signature ____________________________________ Print Name Address_____________________________ ____________________________________ Tel. No._____________________________ LBF 4003-2A (Eff. 2/1/13) -2- American LegalNet, Inc. www.FormsWorkFlow.com