I will clarify, If their is a lien on your personal residence, The court will have to enter an order providing that the lien is avoided. You can in your motion to repon ask the Court to "avoid" the lien on your home, after you file the motion to reopen The result is you avoid all of the problems discussed above. Your property is no longer saddled with the judicial lien.
The Bankruptcy Code provides that, to the extent the judicial lien impairs your exemption in your property; you may "avoid" the lien. Exempt property is property which, by law, you are allowed to keep.
For example, if you have a home worth $200,000 and a mortgage for $170,000, you have $30,000 in equity. In New Mexico you can exempt-retain- $60,000 in equity in your home ($120,000 for married debtors). If your credit card company sues you and gets a judgment against you for $20,000, that judicial lien "impairs" your exemption.
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