Goosey v. McDonald State Bank (In Re Goosey)

MEMORANDUM OPINION

DAVID L. CRAWFORD, Bankruptcy Judge.

This case presents the question of when an automobile may be considered a tool of the trade for the purpose of lien avoidance.

Glen Goosey, the debtor, is an insurance salesman for National Farmer’s Union Insurance. A large number of his clients are farmers living in out-state Nebraska in areas not serviced by public transportation. In connection with his work, Mr. Goosey is required to submit property photographs and accomplish on-farm inventories and claim adjustments. Approximately 90% of the vehicle use is the product of the debtor’s…