MEMORANDUM OPINION
ERIC L. FRANK, Bankruptcy Judge.
I. INTRODUCTION
In this chapter 7 bankruptcy case, Northeastern Title Loans, LLC ("NTL"), has requested relief from the automatic stay in order to exercise its rights as a lienholder against an automobile owned by the Debtor, Vanessa Giles ("the Debtor"). The Debtor has responded by requesting avoidance of NTL's lien as impairing her exemption in a "tool of the trade". See
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