In Re Giles

MEMORANDUM OPINION

ERIC L. FRANK, Bankruptcy Judge.

I. INTRODUCTION

In this chapter 7 bankruptcy case, Northeastern Title Loans, LLC (“NTL”), has requested relief from the automatic stay in order to exercise its rights as a lienholder against an automobile owned by the Debtor, Vanessa Giles (“the Debtor”). The Debtor has responded by requesting avoidance of NTL’s lien as impairing her exemption in a “tool of the trade”. See 11 U.S.C. § 522(f)(1)(B)(ii). A joint hearing on both motions was held on April 5, 2006.

For the reasons set forth below, I have determined that the Debtor may avoid NTL’s…