MEMORANDUM OPINION
BARRY S. SCHERMER, Bankruptcy Judge.
INTRODUCTION
Benny L. Ray, Jr., and Bonnie M. Ray (hereinafter the "Debtors") filed a Motion To Avoid Liens on October 2, 1987, seeking to avoid liens on the Debtors' property held by ITT Financial Services, a/k/a Thorp Consumer Discount Company, (hereinafter "ITT") and Beneficial Missouri, Inc. (hereinafter "Beneficial") pursuant to security interests in the Debtors' property taken in exchange...
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