In Re Ashcraft

MEMORANDUM OF DECISION

JIM D. PAPPAS, Bankruptcy Judge.

Introduction

Debtor Kassie Ashcraft has filed a Motion to Avoid Lien on Exempt Property, Docket No. 19, directed at Creditor Beneficial Idaho, Inc. (“Creditor”), which in turn responded, Docket No. 25. The Court conducted a hearing on the motion on October 7, 2008, and thereafter took the issues under advisement. The Court has now considered the submissions of the parties, the arguments of counsel, as well as the applicable law and legal authorities. This Memorandum constitutes the Court’s findings of fact and conclusions of law. Fed. R.…