The debtor moved for entry of a default judgment avoiding a second deed of trust lien upon the debtors’ residence on the basis that the amount of the indebtedness secured by the first deed of trust against such property exceeded such property’s value.  The court denied the motion on the basis that such relief is not consistent with controlling precedent as set forth in the Fourth Circuit’s Ryan v. Homecomings Fin. Network (In re Ryan), 253 F.3d 778 (4th Cir. 2001).