In Re: Patricia G. Zavalza

UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ILLINOIS Eastern Division In Re: ) Chapter 7 Patricia G. Zavalza, Bankruptcy Case No, 21-13296 Debtor. Judge Jacqueline P. Cox ee) Opinion on Motion to Avoid Lien (Dkt. 121) This matter comes before the court on the Debtor’s Motion to Avoid Lien (“Motion”) (Dkt. 121). Dyck-O’Neal, Inc. (the “Creditor’) filed a response. See Response (Dkt. 128). The Debtor filed a reply thereto. See Reply (Dkt. 130). I. Jurisdiction The court has jurisdiction to hear this matter under

28 U.S.C. § 1334

and Internal Operating Procedure 15(a) of the United States…