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IN RE CERNIGLIA

Bankruptcy No. BK 91-40273.

137 B.R. 722 (1992)

In re Paul Joseph CERNIGLIA, Jr., and Diana L. Cerniglia, Debtors.

United States Bankruptcy Court, S.D. Illinois.

March 6, 1992.

Attorney(s) appearing for the Case

James Campanella, DuQuoin, Ill., for debtors.

Robert F. Schulhof, Carbondale, Ill., for Home Federal Sav. & Loan.

OPINION

KENNETH J. MEYERS, Bankruptcy Judge.

Debtors Paul and Diana Cerniglia have filed a motion to avoid the judicial lien of Home Federal Savings and Loan Association ("Home Federal") under 11 U.S.C. § 522(f)(1). The debtors claim a homestead exemption of $15,000 in their residence, which is valued at $115,000 and encumbered by a first mortgage in the amount of $101,105.99.1 Home Federal holds a judicial lien on the debtors...

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