Muhammad v. Pittsburgh Teachers Credit Union (In Re Muhammad)

MEMORANDUM OPINION

M. BRUCE McCULLOUGH, Bankruptcy Judge.

Sherrie Muhammad, the above-captioned debtor (hereafter “the Debtor”), brings the instant motion to avoid, pursuant to 11 U.S.C. § 522(f), the lien of the Pittsburgh Teachers Credit Union (hereafter “the Credit Union”) upon those deposit accounts that she both (a) maintains with the Credit Union, and (b) seeks to — and which, absent such lien, she could — exempt under 11 U.S.C. § 522(d)(5). For the reasons set forth below, the Court denies the Debtor’s lien avoidance motion with prejudice.

STATEMENT OF FACTS

According to the Debtor’s…