MEMORANDUM OPINION AND ORDER
JOEL PELOFSKY, Bankruptcy Judge.
Debtors have filed a Complaint to Avoid a Lien held by Dial Finance Company on household goods and furnishings. Dial has filed an Answer contending that specific items, as a piano, are not subjects amenable to lien avoidance and that lien avoidance is not proper in a Chapter 13 proceeding. At a conference of counsel, the parties agreed that these issues could be ruled upon the pleadings.
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