Any time a creditor obtains a judgment, it can become a lien on your home. Once it becomes a lien, the judgment is secured by the equity in your home. If the judgment impairs an exemption you are entitled to with respect to the equity in your home, a motion may be filed to avoid the lien to that extent. In Ch. 13 cases, under-secured liens can be crammed down and wholly unsecured liens may be stripped off completely, including second mortgages and secured lines of credit loans.

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