In Re Andrew S. Bland and Sonnia J. Bland, Debtors. Finance One v. Andrew S. Bland and Sonnia J. Bland

This appeal presents two questions: (1) whether under the Georgia homestead exemption debtors may use 11 U.S.C.A. § 522(f) to avoid liens that encumber property they seek to exempt, and (2) whether 11 U.S.C.A. § 522(f) is available to Chapter 13 debtors. These issues were decided in the debtor’s favor by a panel of this Court in In re Hall, 752 F.2d 582 (11th Cir.1985). The same conclusion was reached by the district court in this case in entering judgment for the debtor.

Appellant, Finance One, concedes that In re Hall decides the matter if that decision is controlling in this Circuit.…