**UNITED STATES BANKRUPTCY COURT**

**DISTRICT OF VERMONT**

**In re:**

> **Debtor(s)**

**[MOTION [to Avoid Lien Pursuant to 11 U.S.C. §
522(f)(2)]{.smallcaps}]{.underline}**

\[*Note: Refer to Vt. LBR 4003-2*\]

NOW COMES [\[name of debtor\]]{.underline} by and through his/her
attorney, [\[name of attorney\]]{.underline} , pursuant to 11 U.S.C. §
522(f) and the Federal Rules of Bankruptcy Procedure 4003(d) and 9014,
to request this Court enter an order avoiding the [\[judicial lien(s)
and/or nonpossessory, nonpurchase-money security interest\]]{.underline}
held by [\[name of respondent\]]{.underline} on [\[description of
property\]]{.underline} (the "Property"). In support of this Motion, the
Debtor states the following.

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 [\[date\]]{.underline} .

3\. The Debtor is entitled to an exemption in the Property in the amount
of \$ \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_, pursuant to [\[cite legal
authority (e.g., 27 V.S.A. § 101)\]]{.underline} .

4\. The Debtor's Property has a fair market value of \$
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_. This valuation is based upon [\[describe
basis for valuation (e.g. grand list, real estate appraisal, other
source)\]]{.underline} .

5\. The Property is subject to the following mortgages, judicial liens,
and/or nonpossessory,

nonpurchase-money security interests:

\[*Note: Include the Respondent's lien/interest in chart.*\]

+------------+-----------------+----------+-------------+-------------+
| Type of    | Holder of       | Date     | Original    | Outstanding |
| lie        | lien/interest   | lien/    | amount      | balance     |
| n/interest |                 | interest |             |             |
|            |                 | originat | of          | of          |
|            |                 | ed/arose | li          | li          |
|            |                 |          | en/interest | en/interest |
+------------+-----------------+----------+-------------+-------------+
|            |                 |          |             |             |
+------------+-----------------+----------+-------------+-------------+
|            |                 |          |             |             |
+------------+-----------------+----------+-------------+-------------+
|            |                 |          |             |             |
+------------+-----------------+----------+-------------+-------------+

6\. Respondent's interest in the Property is not a statutory lien.

7\. Section 522(f)(2)(A) of the Bankruptcy Code provides:

> 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)(A). 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."

8\. Following the formula set forth in § 522(f)(2)(A) for determining
whether a lien impairs an exemption, the Debtor:

Adds the lien being tested for avoidance: + \$
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Adds all other liens: + \$ \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Adds the maximum exemption allowable in the absence of liens: + \$
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Totaling: = \$ \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

*Then*, from this total sum,

Subtracts the value of the Property absent any liens: *less* \$
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

To determine the extent of the impairment: = \$
[\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_]{.underline}.

9\. Since the extent of the impairment of the exemption, \$
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_, exceeds the entire value of Respondent's
lien, \$ \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_, the entire lien is avoidable.

**--- OR ---**

9.  Since the extent of the impairment on the exemption, \$
    \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_, is less than the entire value of the
    lien, \$ \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_, the Respondent's lien can
    be avoided only to the extent of the impairment of the exemption, \$
    \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_, and the balance of

> \$ \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ remains as a lien.

WHEREFORE, the Debtor respectfully requests that this Court enter an
order (A) avoiding the [\[judicial lien(s) and/or nonpossessory,
nonpurchase-money security interest(s)\]]{.underline} held by [\[name of
respondent\]]{.underline} on the Property in the amount of \$
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_, and (B) granting such other relief as is
fair and equitable.

Respectfully submitted,

[\[name of debtor\]]{.underline}

Dated at \[location\] this \[day\] of \[month\] \[year\]. By:
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

(*signature of movant/attorney*)

> \[Provide name, address, e-mail address, phone number, and fax number
> of Movant/Attorney\]