Chapter 13 debtors filed a complaint to avoid liens pursuant to 11 U.S.C. § 522(f). In defense, defendant asserted that § 522(f) is not applicable in chapter 13 cases. The court disagreed, stating several reasons why § 522(f) was applicable in chapter 13. The court also rejected defendant's assertion that § 522(f) was inconsistent with 11 U.S.C. § 1325(a), which requires that creditors retain their liens in order for a chapter 13 plan to be confirmed, noting that avoided liens need not be included in the plan. The court also noted that chapter 11 contains a similar provision to § 522(f), which is 11 U.S.C. § 1129(b)(2)(A)(i)(I), and defendant's interpretation would therefore eviscerate every avoidance power under both chapters, which was a result Congress could not have intended.