In Re Bradley

MEMORANDUM DECISION DENYING DEBTOR’S MOTION TO AVOID LIEN PURSUANT TO 11 U.S.C. § 522(f)

CECELIA G. MORRIS, United States Bankruptcy Judge.

In this reopened Chapter 7 case, the Debtor seeks to avoid a judicial lien held by Ulster Federal Credit Union (hereafter, “UFCU”). The Debtor voluntarily repaid the judicial lien when she refinanced her home in May 2005. The Debtor now seeks to use 11 U.S.C. § 522(f) to “avoid” the repaid lien and require UFCU to return to the Debtor the money the Debtor voluntarily paid UFCU more than four years after the bankruptcy case was closed. For the reasons set…