Memorandum of Decision Re: Apartment as Homestead

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IN THE UNITED STATES BANKRUPTCY COURT FOR THE NORTHERN DISTRICT OF CALIFORNIA
In re JOHN R. JONES, JR.,                                                                                           No. 95-13208          Debtor. ___________________________/
Memorandum
     Debtor John R. Jones lives in one apartment of a 12-unit apartment house which he owns. He established that there is little or no equity in the property over and above the deeds of trust, and that he is entitled to a homestead exemption of $100,000.00 because he is a quadraplegic. He seeks to avoid the judgment lien of creditor Joan McNair pursuant to section 522(f)(1)(A) of the Bankruptcy Code. McNair argues that Jones cannot exempt the property because he occupies only one unit.      There is simply no basis in California law for McNair's position. Section 704.710 of the California Code of Civil Procedure provides that a "dwelling" for homestead purposes is "a place where a person resides." In Phelps v. Loop (1944) 64 Cal. App.2d 332, the court specifically allowed the debtors to exempt as a homestead an 18-unit apartment building in which they resided.      For the foregoing reasons, Jones' motion will be granted and McNair's lien avoided. Counsel for Jones shall submit an appropriate form of order. Dated:                                                                                            _______________________                                                                                                              Alan Jaroslovsky                                                                                                              U.S. Bankruptcy