New York Cover Sheet Section 522(f) Avoidance of Liens is a form used in New York State to help borrowers avoid liens on their homes or other real estate. The form is used to provide information to a court or lender about a borrower’s financial status and the amount of debt they have. This form is typically used when a borrower is attempting to avoid liens on their property due to financial hardship. There are two types of New York Cover Sheet Section 522(f) Avoidance of Liens: a Chapter 7 Avoidance of Liens and a Chapter 13 Avoidance of Liens. Both forms provide the court or lender with a summary of the borrower’s financial status, including their income, assets, and liabilities. The forms also provide information about the amount of debt the borrower has, how it is secured, and what the borrower intends to do to avoid liens on their property.