(IRA qualified for exemption from debtor’s bankruptcy estate under 11 U.S.C. §522(b)(3); trustee objected on basis that debtor had executed boilerplate lien provision in client services agreement which was required as condition of opening IRA account and pledging IRA as security for future debts constituted extension of credit that caused IRA to no longer be exempt; facts revealed, however, that debtor did not open any other account with or incurred any debt to firm so lien would not amount to anything; trustee’s position also contrary to presumption of exemption for IRAs).
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