Can you strip a collection lien in ch. 7?

11 USC 522(f) can be used to strip Judgment Liens in a Chapter 7 case, depending on various factors and depending on whether you have exemptions available to protect assets and/or whether there is equity in a home that you own and whether the judgment creditor is secured by the equity in your home. Currently, a 2nd mortgage cannot be avoided/stripped in a Chapter 7 case, no....matter...what. For more information visit: www.salanicklaw.com

you can not strip a second lien in chapter 7 unless you live in the 10th circuit, they recently issued a ruling allowing it, In Re McNutt

You can avoid a judgment lien in a Chapter 7. The use of the term strip is technically incorrect, and as lawyers, we are all about technicalities. The timing & the process to avoid the judgment lien is crucial. I have seen inexperienced or careless attorneys have to try try again to get this right. As to 2nd mortgages, they can be stripped only in Chapter 13 at this time, & to accomplish this the 1st mortgage must be larger than the property value. There are strategies to settle the 2nd mortgage after a Chapter 7, but this is an art, not something that is legally guaranteed. Hope you retain the best attorney in your community!

If you are looking to strip mortgage you need to look at chapter 13, the other lien an also be addressed one way or another in chapter 13.