Bankruptcy and How It Affects Student Debt. Hosted by: The Bursar Brothers David Glezerman Dennis DeSan:s
|
|
- Dora O’Connor’
- 8 years ago
- Views:
Transcription
1 Bankruptcy and How It Affects Student Debt Hosted by: The Bursar Brothers David Glezerman Dennis DeSan:s
2 Ed Berger, Esquire, Gordin & Berger, P.C. Edward L. Berger is a graduate of the State University of New York at Albany and obtained his Bachelor s Degree in He obtained his law degree from Rutgers University in May of 1980 and is licensed to prac:ce law in PA and NJ. Since June of 1982 Ed has been deeply commived to the field of student loan/receivables collec:ons. Ed specializes in the li:ga:on of student loan and receivable accounts and student/borrower bankruptcies. Ed is a frequent par:cipant and presenter at various student loan conferences and mee:ngs.
3 Introduc=on Nature and Purpose of Bankruptcy Laws Statutory Authority Effect on Student Loans and Receivables No:ce of Filing, Sec:on 341 Mee:ng of Creditors and Automa:c Stay Pursuant to Sec:on 362
4 Dis=nguishing Different Types of Available Bankruptcy Relief Chapter 7 Liquida:on Chapter 11 Business Reorganiza:on Chapter 13 Individual Reorganiza:on
5 Chapter 7 Liquida=on
6 Chapter 7 Liquida=on The debtor will liquidate all non- exempt assets. Proceeds from any non- exempt assets will go to pay unsecured creditors on a pro- rata basis. In a typical "no asset" case, there will not be any non- exempt assets and, accordingly, unsecured creditors will not receive any distribu:on. Case Administra:on (Why does it take so long?) Debtor will obtain, aher the administra:on of the case, a General Discharge Order of all dischargeable debts.
7 Determina=on of Dischargeability Student loans and other educa:onal benefits are not dischargeable. This change, the elimina:on of the seven (7) year period, became effec:ve with all bankruptcy pe::ons filed on or aher October 1, 1998.
8 Determina=on of Dischargeability Con t. Student loan or educa:onal benefit are only dischargeable if excep:ng the debt from discharge will impose an undue hardship on the debtor and the debtor's dependents. Defini:on of a Student Loan
9 Types of Loans that are generally not dischargeable: Perkins loans Private Educa:onal Loans Guaranteed Loans Sallie Mae Ins:tu:onal Loans made by eligible educa:onal ins:tu:ons
10 Types of Student debt that is dischargeable: Parking Fees Dorm Expenses Ins:tu:onal Loans made by trade or technical schools as they do not meet the defini:on of an eligible educa:onal ins:tu:on
11 Post- Bankruptcy Proceedings. Student loans/receivables are presump:vely non- dischargeable. (Some receivables depending based on jurisdic:on.) Adversary Complaint to determine dischargeability must be filed. The court will have a hearing to make a determina:on as to the dischargeability of the debt.
12 Ins=tu=onal Strategy in Chapter 7 cases. Only file Proof of Claim if case is an "asset case. Contact debtor's avorney and advise of non- dischargeability if appropriate. If school has ar:culated policy of withholding records of defaul:ng students, do not automa:cally change this if student files for bankruptcy.
13 Chapter 13 Individual Reorganiza=on
14 Determina=on of Dischargeability. Student obliga:ons to repay loans, overpayments or other educa:onal benefits are not dischargeable. Undue Hardship Excep:on Even though debt non- dischargeable, during pendency of Chapter l3 (may be up to five (5) years), no ac:on can be taken. If pe::on filed prior to October 1, 1998 and debt in repayment more than seven (7) years will be discharged.
15 Ins=tu=onal Strategy in Chapter l3 cases. File Proof of Claim! Must file proof to receive payment through plan. Failure to file Proof of Claim will not affect non- dischargeability of student loan debt. Contact debtor's avorney and advise debt non- dischargeable. It is possible for debtor to pay student loan during pendency of Chapter 13 case, "outside" the plan. This must be confirmed by Trustee and Court.
16 Resource: To view bankruptcy filings and documents, use this link to the Pacer website. Registra:on is free with a small user fee and $.10/page charge: hvp://
17 Please Submit Any Ques=ons Now You may use the Chat Feature to do this For legal ques:ons: Ed Berger For bankruptcy collec:on inquires on accounts placed with ERS: Kim Allway **Reminder, always consult your legal counsel for state specific bankruptcy statutes.
18 Thank You! Your AVendance has been appreciated. We will have a recording of today s session posted on our website at the end of the week
19 ERS Webinars Presents: Bankruptcy and How It Affects Student Debt I. INTRODUCTION A. Nature and Purpose of Bankruptcy Laws. l. Give debtor a "fresh start." 2. Protection from creditors. B. Statutory Authority. l. The United States Constitution in Article I, Section 8 grants Congress the power to enact laws governing bankruptcy. 2. Bankruptcy Reform Act of Higher Education Act Technical Amendments, The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (Public Law 109-8). Effective date 10/17/05 C. Effect on Student Loans and Receivables. l. Excepted from discharge. 2. Reconcile with fresh start and protection from creditors. Continued availability and solvency of educational loan programs outweigh fresh start and protection from creditors. D. Notice of Filing, Section 341 Meeting of Creditors and Automatic Stay Pursuant to Section
20 l. Cease all billing and collection activity. Note that interest will continue to accrue and is collectible, as is principal, if debt is non- dischargeable. Leeper v. Pa. Higher Educ. Assistance, 49 F.3d 98 (3rd Cir. 1995), Educational Credit Management Corp. v. Kielisch, 252 BR 338 (E.D.Va.2000), U.S. v. Rushing, 287 B.R. 343 (D. N.J. 2002). 2. Centralize information and decisions. a. Have all other offices and departments at school forward notices to you immediately; b. Loan servicer or collection agencies should immediately forward notices to you. II. DISTINGUISHING DIFFERENT TYPES OF AVAILABLE BANKRUPTCY RELIEF A. Chapter 7 - Liquidation B. Chapter 11 - Business Reorganization C. Chapter 13 - Individual Reorganization III. CHAPTER 7 - LIQUIDATION A. The debtor will liquidate all non- exempt assets (if any). B. Proceeds from any non- exempt assets will go to pay unsecured creditors on a pro- rata basis. C. In a typical "no asset" case, there will not be any non- exempt assets and, accordingly, unsecured creditors will not receive any distribution. D. Case Administration - (Why does it take so long?) 1. Approximately ninety (90) days after the first date scheduled for the Section 34l Meeting of Creditors, unless a creditor objects, the Court will grant the debtor's General Discharge of all dischargeable debts. 2
21 2. In a case where debtor has non- exempt assets, such as real estate, stocks, C.D.'s, horses, etc., the trustee will liquidate and then distribute to creditors. Can take many months. Discharge Order not entered until all distributions are made. E. Debtor will obtain, after the administration of the case, a General Discharge Order of all dischargeable debts. F. Determination of Dischargeability l. Student loans and other educational benefits are not dischargeable pursuant to Section 523(a)(8). This provision is self- executing (or self- effectuating) and no requirement that creditor take any affirmative steps. Can sit back, await discharge and then collect. See In re Clarke 266 B.R. 301 (Bktcy. E.D. Pa. 2001). 2. This change, the elimination of the seven (7) year period, became effective with all bankruptcy petitions filed on or after October 1, a. For bankruptcies filed prior to October 1, 1998, the seven (7) year period is calculated from the date the loan first became due after the expiration of any grace periods. (1) From grace end date, count number of months in repayment until date of bankruptcy filing. It is the grace end date that triggers the calculation not date first payment due. See In re Scott, 213 B.R. 159 (D.Neb. 1997). (2) Do not count any months during which student was in deferment status. (3) If months total 84 or more, obligation is dischargeable. b. Deferments, postponements, forbearance, etc. are considered suspensions of the repayment period and are not calculated in the seven (7) year period. Note that unilateral action by the lender is not effective to toll the seven (7) year period. The retro- active application of a forbearance agreement, executed after the 7 (seven) year period expired, will not qualify as an "applicable suspension of the repayment period" for purposes of non- dischargeability. 3
22 c. The pendency of a previous bankruptcy filing will suspend the seven (7) year period. for proposition that while creditor was stayed from enforcing student loan obligation due to prior bankruptcy, the duration of prior bankruptcy should not be included when calculating seven (7) year period. d. In the situation where a student has an old student loan and then consolidates it by signing a new promissory note, the old debt ceases to exist - in fact was paid off by the consolidation loan. For purposes of calculating the seven (7) year period, the date repayment commences on the new consolidation loan is the pertinent date. 3. Student loan or educational benefit only dischargeable if excepting the debt from discharge will impose an undue hardship on the debtor and the debtor's dependents. a. Congress did not define "undue hardship." (a) (b) (c) Debtor cannot maintain minimal standard of living for self and dependents if forced to repay the loans, based on current income and expenses; Circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period. Debtor has made good faith efforts to repay the loans. 4. Definition of a Student Loan. 523(a) 8 of the Bankruptcy Code indicates what types of indebtedness will be entitled to the non- dischargeability protection of the Code. a. An educational benefit overpayment or loan made, insured, or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution. [See 523(a)(8)(A)(i)]; 4
23 Types of Loans that are generally not dischargeable: Perkins loans Private Educational Loans ECMC Loans Sallie Mae USAF Loans Institutional Loans made by eligible educational institutions Types of Student debt that is dischargeable: Parking Fees Dorm Expenses Institutional Loans made by trade or technical schools as they do not meet the definition of an eligible educational institution The type of institution also determines the dischargeablity of the debt. An eligible educational institution are nonprofit institution, any other educational loan that is a qualified education loan, as defined in section 221(d)(1) of the Internal Revenue Code of 1986 [see section 538(a)(8) of the Bankruptcy Code]. G. Post- Bankruptcy Proceedings. l. Student loans/receivables are presumptively non- dischargeable until Adversarial Complaint is filed to determine dischargeability due to hardship. Accordingly, upon receipt of the General Discharge Order, normal collection activity can be resumed. 2. If the student loan debt or educational benefit is determined to be non- dischargeable after the hearing on the debtor's Adversarial Complaint to Determine Dischargeability Based on Hardship, normal collection activity can be resumed upon receipt of the Order denying the requested hardship discharge. 3. If the student loan debt or educational benefit is determined to be dischargeable due to the fact that it has been in repayment for more than seven (7) years prior to the filing of the debtor's Petition (in cases commenced prior to October 1, 1998), or upon the Bankruptcy Court's findings that the debt should be discharged based on "undue hardship," upon receipt of either the General Discharge Order in the first instance, or the Court's Order 5
24 granting hardship, in the second instance, the institutional lender can take the appropriate steps to write the loan off as discharged in bankruptcy, thereby eliminating this obligation from its default rate calculations. H. Institutional Strategy in Chapter 7 cases. l. Only file Proof of Claim if case is an "asset case." 2. Contact debtor's attorney and advise of non- dischargeability if appropriate. 3. If school has articulated policy of withholding records of defaulting students, do not automatically change this if student files for bankruptcy. a. If debt is dischargeable, must take down hold. b. If debt is non- dischargeable, during the pendency of the case, even if hold was in place prior to the bankruptcy filing, should honor transcript requests, etc. or face monetary sanctions for violating the automatic stay. See In re Mumin 374 B.R. 149 (Bankr. E.D.Pa. 2007). c. If debt is non- dischargeable, upon receipt of General Discharge Order continue hold. See Johnson v. Edinboro State College, 728 F.2d l63 (3rd Cir. l984). IV. CHAPTER 13 - INDIVIDUAL REORGANIZATION A. Determination of Dischargeability. l. Student obligations to repay loans, overpayments or other educational benefits are not dischargeable. a. This change, the elimination of the seven (7) year period, became effective with all Bankruptcy Petitions filed on or after October 1, 1998! b. For cases filed prior to October 1, 1998, in calculating the seven (7) year period, use the same formula as set forth for Chapter 7 cases above. See III F.2.a. 6
25 c. Undue Hardship Exception. (1) Logically should be more difficult to prove "undue hardship" since debtor is, by definition, able to pay something pursuant to repayment plan. Se In re Raisor, 180 B.R. 163 (Bkrtcy.E.D. Tex. 1995). Court found three major elements which must exist to prove "undue hardship:" 1) debtors cannot maintain minimal standard of living for selves and dependent based on then current income and expenses; 2) additional circumstances exist indicating state of affairs likely to persist for most of repayment period; and 3) debtors have made good faith efforts to repay. Completion of Chapter 13 is looked at. But see In re Goranson, 183 B.R. 52 (Bkrtcy.W.D. N.Y. 1995). (2) As to the 3rd (third) element, good faith efforts to repay, courts have held that failure to make any payments towards loan itself (as opposed to plan payments) does not automatically mean debtor fails this test. See Matter of Rivers, 213 B.R. 616 (Bkrtcy. S.D.Ga. 1998) Debtor was "unable" to make loan payments, hence no lack of good faith. (3) At least one court has held that rather than use same standard as in Chapter 7 cases, a "totality of the circumstances" test is appropriate. See In re Strauss, 216 B.R. 638 (Bkrtcy. N.D. Cal. 1998). 2. Even though debt non- dischargeable, during pendency of Chapter l3 (may be up to five (5) years), can take no action. Upon receipt of Discharge Order, may commence regular collection efforts. (Note, may receive payments from Trustee. Credit those as you would any payments.) 3. If petition filed prior to October 1, 1998 and debt in repayment more than seven (7) years (exclusive of pay period interruptions), will be discharged. Upon receipt of Discharge Order, write off balance as discharged in bankruptcy. 7
26 B. Institutional Strategy in Chapter l3 cases. l. File Proof of Claim! a. Must file proof to receive payment through plan. b. Failure to file Proof of Claim will not affect non- dischargeability of student loan debt. In re Gallick, 292 B.R. 830 (Bkrtcy W.D. Pa. 2003). 2. Review Chapter 13 Plan and object as needed. See IV F.1d(2) above. 3. Contact debtor's attorney and advise debt non- dischargeable (if appropriate). Suggest increase of plan payments. 4. Note that the courts are reluctant to allow a debtor to discriminate against general unsecured creditors. While it may be to the advantage of the school and the debtor to have the claim paid l00% through the bankruptcy plan, and all other unsecured creditors paid l0%, the Bankruptcy Court may take the position that it is unfairly discriminatory against general creditors whose debts are dischargeable. See In re Taylor, l37 B.R. 60 (Bkrtcy Ct. W.D. Oklahoma l992) and In re Saulter, l33 B.R. l48 (Bkrtcy W.D. Mo. l99l). 5. It is possible for debtor to pay student loan during pendency of Chapter 13 case, "outside" the plan. This must be confirmed by Trustee and Court. See In re Benner, 156 B.R. 631 (Bkrtcy. D. Minn 1993). RESOURCE: To view bankruptcy filings and documents, use this link to the Pacer website. Registration is free with a small user fee and $.10/page charge: **Reminder, always consult your legal counsel for state specific bankruptcy statutes. 8
Bankruptcy YOU SHOULD ALWAYS CHECK WITH YOUR LEGAL COUNSEL FIRST. I. What Happens When You Receive Notification of Bankruptcy?
Bankruptcy YOU SHOULD ALWAYS CHECK WITH YOUR LEGAL COUNSEL FIRST I. What Happens When You Receive Notification of Bankruptcy? When an institution receives a notice that a borrower has filed a petition
More informationSTUDENT BANKRUPTCY AND THE PERMISSIBILITY OF TRADITIONAL CAMPUS COLLECTION MEASURES
TOPIC: STUDENT BANKRUPTCY AND THE PERMISSIBILITY OF TRADITIONAL CAMPUS COLLECTION MEASURES INTRODUCTION: While some economic indicators signal the end of the recession, the fact remains that consumer bankruptcy
More informationDISCHARGE. The Discharge in Bankruptcy. From an individual. debtor s standpoint, one. of the primary goals of. filing a bankruptcy case
The Discharge in Bankruptcy DISCHARGE The bankruptcy discharge varies depending on the type of case a debtor files: chapter 7, 11, 12, or 13. This Public Information Series pamphlet attempts to answer
More informationBankruptcy Filing and Federal Employment Taxes. Bad investments, too great an assumption of risk, circumstances beyond their control.
I. What causes someone to file for bankruptcy? Bad investments, too great an assumption of risk, circumstances beyond their control. II. The options A. Individuals Chapter 7, Chapter 11, i Chapter 13 B.
More information: In re: : : Chapter 13 MICHAEL D. CARLIN, : : Case No. 11-11784 (ALG) : Debtor. : :
UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF NEW YORK : In re: : : Chapter 13 MICHAEL D. CARLIN, : : Case No. 11-11784 (ALG) : Debtor. : : APPEARANCES: DECISION DENYING DEBTOR S MOTION FOR A DISCHARGE
More informationPresented by Gina Silvestri, Esq.
Why file for a Bankruptcy? Loss of job? Medical bills? Foreclosure? Divorce? Just a run of bad luck? A fundamental goal of the federal bankruptcy laws is to give debtors a financial fresh start from burdensome
More informationBankruptcy 101 A Guide to Personal Bankruptcy. Brought to you by Jon Martin, Esq. Http://www.TheSinCityLawyer.com
Bankruptcy 101 A Guide to Personal Bankruptcy Brought to you by Jon Martin, Esq. Http://www.TheSinCityLawyer.com Bankruptcy laws help people who can no longer pay their creditors get a fresh start by liquidating
More informationR. Thomas Burgasser, PLLC R. Thomas Burgasser, Esq., of counsel 825 Payne Avenue North Tonawanda, New York 14120 Attorney for the Plaintiff
UNITED STATES BANKRUPTCY COURT WESTERN DISTRICT OF NEW YORK In re LEONARD P. and BRIGET M. GIRDLESTONE, 13-13398 B Debtors D YOUVILLE COLLEGE, DECISION & ORDER Plaintiff v. AP 14-1019 B BRIGET M. GIRDLESTONE,
More informationBANKRUPTCY F.A.Q. S WHAT IS CHAPTER 7?
BANKRUPTCY F.A.Q. S While the information presented below is accurate as of the date of publication, it should not be cited or relied upon as legal authority. It should not be used as a substitute for
More informationHow To Get Out Of A Bankruptcy In California
Bankruptcy A Resource Guide for Child Support Professionals Tex Ritter, Regional Director Sierra Nevada Regional Department of Child Support Services 530 271 5400 Tex.Ritter@co.nevada.ca.us Bankruptcy
More informationUNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF NEBRASKA
UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF NEBRASKA IN THE MATTER OF LYNETTE BRANCH, CASE NO. BK93-81413 DEBTOR A93-8190 LYNETTE BRANCH, CH. 13 Plaintiff vs. UNIPAC/NEBHELP and THE UNITED STATES
More informationUNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF OHIO ) ) ) ) ) ) ) ) ) ) ) ) MEMORANDUM OF OPINION 1
The court incorporates by reference in this paragraph and adopts as the findings and orders of this court the document set forth below. This document was signed electronically on November 12, 2008, which
More informationIN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF VIRGINIA CHARLOTTESVILLE DIVISION
IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF VIRGINIA CHARLOTTESVILLE DIVISION SALLIEMAE SERVICING, ET AL., CIVIL ACTION NO. 3:01CV00066 Appellants, v. OPINION CHRISTOPHER P. BANKS,
More informationSAMPLE BANKRUPTCY DISCHARGE FORM Page 1 of 2
One Division Avenue Room 200 Grand Rapids, MI 49503-3132 Phone : (616) 456-2693 http://www.miwb.uscourts.gov/ WHAT IS CHAPTER 7 BANKRUPTCY? Chapter 7 bankruptcy, sometimes call a straight bankruptcy is
More informationIN THE UNITED STATES BANKRUPTCY COURT FOR THE NORTHERN DISTRICT OF WEST VIRGINIA ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) )
Dated: Thursday, December 06, 2012 1:40:31 PM IN THE UNITED STATES BANKRUPTCY COURT FOR THE NORTHERN DISTRICT OF WEST VIRGINIA IN RE: ROBERT T. HUGHES, Debtor. ROBERT T. HUGHES, v. Plaintiff, AMERICAN
More informationThe Process of Collection and Creditor s Rights in Bankruptcy. Jon D. Madison, Attorney at Law
The Process of Collection and Creditor s Rights in Bankruptcy Jon D. Madison, Attorney at Law First Steps in Collection Process Demand Letter Some debtors may respond if it comes from a law firm, some
More informationRe: Dischargeability of Court-Ordered Restitution When the Debtor has Filed a Petition in Bankruptcy
1 of 8 6/23/2005 8:28 AM November 30,1994 The Honorable Winona E. Rubin Director of Human Services State of Hawaii 1390 Miller Street Honolulu, Hawaii 96813 Dear Ms. Rubin: Re: Dischargeability of Court-Ordered
More informationU.S. BANKRUPTCY COURT District of South Carolina JUDGEMENT
U.S. BANKRUPTCY COURT District of South Carolina Case Number: 07-02582 ADVERSARY PROCEEDING NO: 07-80088 JUDGEMENT The relief set forth on the following pages, for a total of 2 pages including this page,
More information8.2.D. Bankruptcy Claims
Discharging the Loan If a doctor of medicine or osteopathy, legally authorized to practice in a state, certifies that the borrower is totally and permanently disabled, the borrower s obligation to repay
More informationIN THE UNITED STATES BANKRUPTCY COURT FOR THE NORTHERN DISTRICT OF WEST VIRGINIA
Dated: Thursday, September 28, 2006 12:35:00 PM IN THE UNITED STATES BANKRUPTCY COURT FOR THE NORTHERN DISTRICT OF WEST VIRGINIA IN RE SHANNON LYNETTE EDDY, Case. No. 1:05-bk-02523 Debtor. SHANNON LYNETTE
More informationMEMORANDUM ON TRUSTEE S MOTIONS TO DISMISS
MEMORANDUM ON TRUSTEE S MOTIONS TO DISMISS In certain circumstances, the Trustee will file a motion to dismiss a Chapter 13 bankruptcy proceeding. The purpose of this Memorandum is to discuss the most
More informationMEMORANDUM DECISION EXTENDING AUTOMATIC STAY IN THE DEBTOR S CURRENT BANKRUPTCY CASE
UNITED STATES BANKRUPTCYCOURT FOR PUBLICATION SOUTHERN DISTRICT OF NEW YORK --------------------------------------------------------------X : Chapter 13 In re. : Case No. 08-36229 (cgm) : Sophia Lynette
More informationUNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF FLORIDA. JUNG BEA HAN and Case No. 00-42086 HYUNG SOOK HAN, v. Adv. No.
UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF FLORIDA In Re JUNG BEA HAN and Case No. 00-42086 HYUNG SOOK HAN, Debtors. JUNG BEA HAN, Plaintiff. v. Adv. No. 05-03012 GE CAPITAL SMALL BUSINESS FINANCE
More informationBankruptcy. 1. What is bankruptcy?
Helping Older Persons With Legal & Long-Term Care Problems Bankruptcy 1. What is bankruptcy? Bankrupt means filing a petition in federal bankruptcy court asking for protection from those to whom you owe
More informationSTUDENT BANKRUPTCY AND THE PERMISSIBILITY OF TRADITIONAL CAMPUS COLLECTION MEASURES
TOPIC: STUDENT BANKRUPTCY AND THE PERMISSIBILITY OF TRADITIONAL CAMPUS COLLECTION MEASURES INTRODUCTION: While some economic indicators signal the end of the recession, the fact remains that consumer bankruptcy
More informationGuam Chamber of Commerce
UNITED STATES TRUSTEE PROGRAM* Guam Chamber of Commerce Bankruptcy Abuse, Creditor Remedies, and the Automatic Stay September 5, 2014 *Cases cited reflect court rulings and do not necessarily reflect the
More informationCase 15-01019-jal Doc 14 Filed 11/20/15 Entered 11/20/15 15:20:55 Page 1 of 5 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF KENTUCKY
Case 15-01019-jal Doc 14 Filed 11/20/15 Entered 11/20/15 15:20:55 Page 1 of 5 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF KENTUCKY IN RE: TIMOTHY SCOTT STURGEON CASE NO. 15-10309 (1(7 Debtor(s
More informationEXHIBIT 5 1 Flow Chart for Chapter 7
EXHIBIT 5 1 Flow Chart for Chapter 7 The Filing of the Chapter 7 Petition Within 180 days of filing a Chapter 7 petition, an individual debtor must be briefed (including by telephone and on the Internet)
More informationQUESTIONS AND ANSWERS ABOUT CHAPTER 13 BANKRUPTCIES 1
QUESTIONS AND ANSWERS ABOUT CHAPTER 7 BANKRUPTCIES What is a Chapter 7 bankruptcy and how does it work? A Chapter 7 bankruptcy case is a proceeding under federal law in which the Debtor seeks relief under
More informationCase 08-01176-AJC Document 1 Filed 03/01/2008 Page 1 of 12 UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA MIAMI DIVISION
Case 08-01176-AJC Document 1 Filed 03/01/2008 Page 1 of 12 UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA MIAMI DIVISION In re: JOSE SANCHEZ Case No.: 01-42230-BKC-AJC and FANNY SANCHEZ, Chapter
More informationNOTICE TO CLIENTS WHO CONTEMPLATE FILING BANKRUPTCY
NOTICE TO CLIENTS WHO CONTEMPLATE FILING BANKRUPTCY The purpose of this Notice and The Statement Mandated by Section 527(b) of the Bankruptcy Code, which you have been provided as a separate document are
More informationINITIAL REQUIRED NOTICES FOR BANKRUPTCY CLIENTS
INITIAL REQUIRED NOTICES FOR BANKRUPTCY CLIENTS You are hereby requesting the opportunity to consult with and obtain information and advice from Michael Jones and the Law Office of James P. Cronn ( Law
More informationTARBOX LAW, P.C. 2301 Broadway Lubbock, Texas 79401 Phone - (806) 686-4448 Fax - (806) 368-9785
TARBOX LAW, P.C. 2301 Broadway Lubbock, Texas 79401 Phone - (806) 686-4448 Fax - (806) 368-9785 1. Type of Bankruptcy. CONTRACT FOR CHAPTER 7 BANKRUPTCY SERVICES Debtor retains attorney to file a Chapter
More informationBy John J. Lamoureux Carlton Fields, P.A. Tampa, Florida. On April 20, 2005 President Bush signed into law the Bankruptcy Abuse Prevention and
RECENT CHANGES TO THE UNITED STATES BANKRUPTCY CODE WHAT CONSTRUCTION LAWYERS SHOULD KNOW AND THE POTENTIAL IMPACT SUCH CHANGES MAY HAVE ON CONSTRUCTION PROJECTS By John J. Lamoureux Carlton Fields, P.A.
More informationNotice to Individual Consumer Debtor Under Section 342(b) and 527(a) of the Bankruptcy Code
Notice to Individual Consumer Debtor Under Section 342(b) and 527(a) of the Bankruptcy Code In accordance with section 342(b) of the Bankruptcy Code, this notice: (1) Describes briefly the services available
More informationBANKRUPTCY ISSUES RELATED TO MORTGAGE FORECLOSURES
TABAS FREEDMAN Attorneys One Flagler Building 14 Northeast First Avenue, Penthouse Miami, Florida 33132 Telephone 305.375.8171 Facsimile 305.381.7708 www.tabasfreedman.com Gary M. Freedman gfreedman@tabasfreedman.com
More informationIN THE UNITED STATES BANKRUPTCY COURT FOR THE NORTHERN DISTRICT OF ALABAMA WESTERN DIVISION. v. AP No. 08-70044 MEMORANDUM OF DECISION
Document Page 1 of 16 IN THE UNITED STATES BANKRUPTCY COURT FOR THE NORTHERN DISTRICT OF ALABAMA WESTERN DIVISION IN RE: DENISE L. EVANS, Case No. 08-71204-CMS-07 Debtor. PREMIER SELF STORAGE, LLC., Plaintiff,
More informationRepresenting Creditors in Consumer Bankruptcy Cases
4 Representing Creditors in Consumer Bankruptcy Cases Michael P. Hogan Craig B. Rule Marcy J. Ford John P. Kapitan I. Overview 4.1 II. General Considerations A. Filing Proofs of Claim 4.2 B. The Automatic
More informationAPPENDIX F-3. Suggestions on Behalf of the United States Trustee Program
APPENDIX F-3 Suggestions on Behalf of the United States Trustee Program U.S. Department of Justice Office of the United States Trustee Executive Office 901 E Street, N.W. [202/307-1391] Washington, D.C.
More informationEmerging Trends in Student Loan Law. Minnesota Bankruptcy Institute John Rao
Emerging Trends in Student Loan Law Minnesota Bankruptcy Institute John Rao National Consumer Law Center 2013 Student Loan Debt in 2013 Aggregate total exceeds $1.2 trillion more than is owed on credit
More informationAGOSTINO & ASSOCIATES, P.C. IRS Collections. Presented by : Frank Agostino
AGOSTINO & ASSOCIATES, P.C. IRS Collections Presented by : Frank Agostino DISCLAIMER: The following materials and accompanying Access MCLE, LLC audio program are for instructional purposes only. Nothing
More informationLIQUIDATION UNDER CHAPTER 7
LIQUIDATION UNDER CHAPTER 7 1. WHAT IS CHAPTER 7 AND HOW DOES IT WORK? Chapter 7 is that part (or chapter) of the Bankruptcy Code that deals with liquidation. The Bankruptcy Code is that part of the federal
More informationFrequently Asked Questions Quick Reference Table
Frequently Asked Questions Quick Reference Table Question Chapter 7 Chapter 13 What occurs when an NCP files for bankruptcy? How does the obligor pay prepetition debt during the bankruptcy? What will happen
More informationThe Other Estate : A Primer On Bankruptcy for Non-Profits Lawrence G. McMichael Catherine G. Pappas Dilworth Paxson, LLP Philadelphia, PA
The Other Estate : A Primer On Bankruptcy for Non-Profits Lawrence G. McMichael Catherine G. Pappas Dilworth Paxson, LLP Philadelphia, PA A. Eligibility (1) The Bankruptcy Code sets forth certain eligibility
More informationChapter 7 Liquidation Under the Bankruptcy Code
From Administrative Office of the United States Courts, Bankruptcy Basics, Public Information Series. Chapter 7 Liquidation Under the Bankruptcy Code The chapter of the Bankruptcy Code providing for "liquidation,"
More informationBANKRUPTCY BASICS AND TIPS FOR COLLECTION OF PROPERTY TAXES FROM TAXPAYERS IN BANKRUPTCY
BANKRUPTCY BASICS AND TIPS FOR COLLECTION OF PROPERTY TAXES FROM TAXPAYERS IN BANKRUPTCY by Roy F. Kiplinger Kiplinger Law Firm, P.C. August 5, 2010 We pride ourselves in providing quality legal services
More informationIN THE UNITED STATES BANKRUPTCY COURT FOR THE SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION
IN THE UNITED STATES BANKRUPTCY COURT FOR THE SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION DUTIES AND RESPONSIBILITIES OF A DEBTOR UNDER CHAPTER 7 AND ATTENDANCE AT THE 341 MEETING OF CREDITORS In either
More informationBANKRUPTCY: THE SILVER BULLET OF TAX DEFENSE. Dennis Brager, Esq.*
Adapted from an article that originally appeared in the California Tax Lawyer, Winter 1997 BANKRUPTCY: THE SILVER BULLET OF TAX DEFENSE Dennis Brager, Esq.* Many individuals, including accountants and
More informationIn the United States Bankruptcy Court for the Southern D istrict of Georgia
MOTION TO COMPEL REAFFIRMATION In the United States Bankruptcy Court for the Southern D istrict of Georgia W aycross Division In the matter of: Chapter 7 Case KAY DEE CARVER Number 92-50289 Debtor KAY
More informationINCONSISTENCY IN JUDICIAL INTERPRETATIONS OF UNDUE HARDSHIP The complications of student loan discharge through bankruptcy
INCONSISTENCY IN JUDICIAL INTERPRETATIONS OF UNDUE HARDSHIP The complications of student loan discharge through bankruptcy Quixada Moore-Vissing University of New Hampshire, Department of Education THE
More informationIn the Matter of SUSAN MALEWICZ, Chapter 13 MEMORANDUM DECISION
UNITED STATES BANKRUPTCY COURT EASTERN DISTRICT OF NEW YORK -----------------------------------------------------------------x In the Matter of SUSAN MALEWICZ, Chapter 13 Debtor. -----------------------------------------------------------------x
More informationNotice Required by 11 U.S.C. 342(b) and 527(a)
1 P a g e Notice Required by 11 U.S.C. 342(b) and 527(a) In accordance with section 342(b) of the Bankruptcy Code, this notice: (1) Describes briefly the services available from credit counseling services;
More informationTax Issues for Bankruptcy & Insolvency
Tax Issues for Bankruptcy & Insolvency By David S. De Jong, Esquire, CPA Stein, Sperling, Bennett, De Jong, Driscoll & Greenfeig, PC 25 West Middle Lane Rockville, Maryland 20850 301-838-3204 ddejong@steinsperling.com
More informationBankruptcy Law Firm Ursula Jones, Attorney
ATTORNEY-CLIENT BANKRUPTCY RETAINER AGREEMENT The Client(s) hereby enter into this Attorney-Client Retainer Agreement with Ursula Jones ( Attorney ). 1. TOTAL FEES AND COSTS (a) Fixed Fee: A fixed fee
More informationBANKRUPTCY TERMINOLOGY
ADVERSARY PROCEEDING BANKRUPTCY TERMINOLOGY A lawsuit arising in or related to a bankruptcy case that is commenced by filing a complaint with the bankruptcy court. ASSUME An agreement to continue performing
More informationBANKRUPTCY FILING (CHAPTERS 7 AND 13) AND ITS EFFECT UPON THE FORECLOSURE PROCESS
BANKRUPTCY FILING (CHAPTERS 7 AND 13) AND ITS EFFECT UPON THE FORECLOSURE PROCESS by Steven C. Lindberg Freedman Anselmo Lindberg & Rappe LLC September, 2001 Since it has been widely predicted that some
More informationRecent Bankruptcy Law Changes and Their Effect Upon Community Associations
Recent Bankruptcy Law Changes and Their Effect Upon Community Associations I. Introduction By: Mark A. Wilder, Esq. For community associations, the overwhelming types of bankruptcy cases filed by home
More informationIMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER.
IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER. If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney
More informationAdvanced Bankruptcy for Bankers. Candace C. Carlyon, Esq. www.sheacarlyon.com
Advanced Bankruptcy for Bankers Candace C. Carlyon, Esq. www.sheacarlyon.com 1 Pre Bankruptcy Review loan files, confirm collateral security, obtain as much information as possible Consider timing of remedies
More informationStudent Loan Options
Student Loan Options Edward Boltz The Law Offices of John T. Orcutt 1738-D Hillandale Road, Durham NC 27705 919.286.1696 eboltz@johnorcutt.com Edward Boltz 2015 Educational Debt Levels in 2015 $1.18 Trillion
More informationRECOMMENDED ORDER AND DECISION
This Recommended Order and Decision became the Order and Decision of the Illinois Human Rights Commission on 8/22/02. STATE OF ILLINOIS HUMAN RIGHTS COMMISSION IN THE MATTER OF: IMELDA SCOTT, Complainant,
More information1 of 1 DOCUMENT. Collier Consumer Bankruptcy Practice Guide. Copyright 2009, Matthew Bender & Company, Inc., a member of the LexisNexis Group.
Page 1 1 of 1 DOCUMENT Collier Consumer Bankruptcy Practice Guide Copyright 2009, Matthew Bender & Company, Inc., a member of the LexisNexis Group. CHAPTER 24 Conversion of Cases from One Chapter to Another
More informationUNITED STATES BANKRUPTCY COURT DISTRICT OF VIRGINIA Division CHAPTER 13 PLAN AND RELATED MOTIONS
UNITED STATES BANKRUPTCY COURT DISTRICT OF VIRGINIA Division CHAPTER 13 PLAN AND RELATED MOTIONS Name of Debtor(s): Case No: This Plan, dated, is: the first Chapter 13 Plan filed in this case. a modified
More informationCase 07-10160 Doc 43 Filed 10/15/07 Entered 10/15/07 15:16:54 Page 1 of 6 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF KENTUCKY
Case 07-10160 Doc 43 Filed 10/15/07 Entered 10/15/07 15:16:54 Page 1 of 6 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF KENTUCKY IN RE: GARY L. STRODE MAE R. STRODE CASE NO. 07-10160(1(13
More informationAUTOMATIC STAY LITIGATION IN A NUTSHELL
AUTOMATIC STAY LITIGATION IN A NUTSHELL I. The Real Purpose of the Automatic Stay. Prepared by Benjamin Payne Hanson & Payne, LLC bpayne@hansonpayne.com www.hansonpayne.com A. The purpose of the automatic
More informationBankruptcy Made Easy - What you need to know
Midwest Bankruptcy Attorneys Bankruptcy Made Easy - What you need to know Presented by: (312) 836-0455 contact@midwestbankruptcyattorneys.com Midwest Bankruptcy Attorneys LLC is a debt relief agency. We
More informationLOCAL BANKRUPTCY FORM 2016-2(a) IN THE UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
LOCAL BANKRUPTCY FORM 2016-2(a) IN THE UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: : CHAPTER 13 : : CASE NO. - -bk- : : Debtor(s) : RIGHTS AND RESPONSIBILITIES AGREEMENT
More informationAmerican Bankruptcy Board of Certification Sample Exam General Bankruptcy Multiple Choice Total Time Two Hours
American Bankruptcy Board of Certification Sample Exam General Bankruptcy Multiple Choice Total Time Two Hours NOTE: The Bankruptcy Multiple-Choice exam contains 50 questions. You must correctly answer
More information4:13-cv-10877-MAG-LJM Doc # 16 Filed 07/03/13 Pg 1 of 7 Pg ID 126 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION
4:13-cv-10877-MAG-LJM Doc # 16 Filed 07/03/13 Pg 1 of 7 Pg ID 126 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION MICHAEL BUSSARD, v. Plaintiff, SHERMETA, ADAMS AND VON ALLMEN,
More informationMichigan Association of County Treasurers 2013 Summer Conference Crystal Mountain August 11-14, 2013 BANKRUPTCY
Michigan Association of County Treasurers 2013 Summer Conference Crystal Mountain August 11-14, 2013 BANKRUPTCY Monday, August 12, 2013 9:30 a.m. 10:30 a.m. Presented by: John R. Axe of Axe & Ecklund,
More informationUNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN ORIGINAL CHAPTER 13 PLAN
UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN In Re: Debtor(s), / Case #: Chapter 13 Hon. Filed: ORIGINAL CHAPTER 13 PLAN Check this box if this plan deviates in any way from the
More informationCase:12-06512-swd Doc #:74 Filed: 03/13/15 Page 1 of 11 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN
Case:12-06512-swd Doc #:74 Filed: 03/13/15 Page 1 of 11 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN In re: JOSE VELA, III and Case No. DG 12-06512 LISA MARIE VELA, Hon. Scott W.
More informationFARM LEGAL SERIES June 2015 Bankruptcy: The Last Resort
Agricultural Business Management FARM LEGAL SERIES June 2015 Bankruptcy: The Last Resort Phillip L. Kunkel, Jeffrey A. Peterson Attorneys, Gray Plant Mooty INTRODUCTION When a farm operator, or any other
More informationCase 08-44196 Doc 24 Filed 09/29/08 Entered 09/29/08 12:45:13 Main Document Pg 1 of 10
Pg 1 of 10 UNITED STATES BANKRUPTCY COURT EASTERN DISTRICT OF MISSOURI EASTERN DIVISION In re: ) ) DENNIS L. MIERKOWSKI and ) Case No. 08-44196-399 REBECCA J. MIERKOWSKI, ) Chapter 13 ) Debtors. ) OPINION
More informationDespite A Very High Income, Chapter 7 Debtor s May Succeed. Pamela Frederick, J.D. Candidate 2016
Despite A Very High Income, Chapter 7 Debtor s May Succeed 2015 Volume VII No. 9 Despite A Very High Income, Chapter 7 Debtor s May Succeed Pamela Frederick, J.D. Candidate 2016 Cite as: Despite A Very
More informationBankruptcy Questions. FAQ > Bankruptcy Questions WHAT IS CHAPTER 7 BANKRUPTCY?
FAQ > Bankruptcy Questions Bankruptcy Questions WHAT IS CHAPTER 7 BANKRUPTCY? Chapter 7 bankruptcy is sometimes called a straight bankruptcy or a liquidation proceeding. The number one goal in an individual
More informationINITIAL CONSULTATION AGREEMENT AND ACKNOWLEDGMENT OF RECEIPT OF DISCLOSURES
303 Williams Avenue, Park Plaza Suite 921 Huntsville, Alabama 35801 Phone:256.535.0817 Fax: 256.535.0818 Web: www.heardlaw.com INITIAL CONSULTATION AGREEMENT AND ACKNOWLEDGMENT OF RECEIPT OF DISCLOSURES
More informationBankruptcy And Property Of The Estate - An Overview
IMPACT OF BANKRUPTCY ON DOMESTIC RELATIONS CASES Honorable K. Rodney May United States Bankruptcy Judge Tampa, Florida September 2012 1. Bankruptcy -- Overview. A bankruptcy case begins with the filing
More informationHOMEOWNERS ASSOCIATIONS AND BANKRUPTCY - STRATEGIES
HOMEOWNERS ASSOCIATIONS AND BANKRUPTCY - STRATEGIES DENNIS J. LeVINE, ESQ. Fla. Bar No. 375993 Dennis LeVine & Associates, P.A. P.O. Box 707 Tampa, Florida 33601 (813) 253-0777 (813) 253-0975 (fax) dennis@bcylaw.com
More informationMOUNTAIN POST LEGAL BRIEF. A Preventive Law Service of The Office of the Staff Judge Advocate. Headquarters, Fort Carson
REVISED APRIL 2010 MOUNTAIN POST LEGAL BRIEF A Preventive Law Service of The Office of the Staff Judge Advocate Headquarters, Fort Carson Keeping You Informed On Personal Legal Affairs BANKRUPTCY MATTERS
More informationIN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF IDAHO
IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF IDAHO In re: ALAN GREENWAY, Bankruptcy Case No. 04-04100 dba Greenway Seed Co., Debtor. MEMORANDUM OF DECISION Appearances: D. Blair Clark, RINGERT,
More informationIMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY 1
IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY 1 If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney to represent you, or you can
More informationLocal Rules 2084-1 through 2084-26 govern chapter 13 practice in cases filed after October 16, 2005.
RULE 2084-1. SCOPE CHAPTER 13 RULES Local Rules 2084-1 through 2084-26 govern chapter 13 practice in cases filed after October 16, 2005. RULE 2084-2. FILING REQUIREMENTS (a) Application to Pay Fee in Installments.
More informationMEMORANDUM CONCERNING TRUSTEE OBJECTIONS TO CHAPTER 13 PLANS AT CONFIRMATION: How to Avoid and/or Resolve Such Objections
MEMORANDUM CONCERNING TRUSTEE OBJECTIONS TO CHAPTER 13 PLANS AT CONFIRMATION: How to Avoid and/or Resolve Such Objections The information as contained in this Memorandum is being provided as a courtesy
More informationINITIAL CONSULTATION AGREEMENT AND REQUIRED NOTICES
Law Offices James Palmisano 417 Barre Street Telephone: (800) 585-3169 Montpelier, VT 05602 Facsimile: (802) 229-2733 e-mail: info@vermontbankruptcy.net INITIAL CONSULTATION AGREEMENT AND REQUIRED NOTICES
More informationDEBT RELIEF AGENCY CONTRACT
DEBT RELIEF AGENCY CONTRACT Federal law requires that we enter into this Debt Relief Agency Contract within three business days after the first date on which we provide any bankruptcy assistance services.
More informationUNITED STATES BANKRUPTCY COURT DISTRICT OF UTAH, DIVISION In re CASE NO. 09-00000 SSN: xxx-xx-1234 CHAPTER 13
APPENDIX G CHAPTER 13 MODEL PLAN UNITED STATES BANKRUPTCY COURT DISTRICT OF UTAH, DIVISION In re CASE NO. 09-00000 SSN: xxx-xx-1234 CHAPTER 13 CHAPTER 13 PLAN MOTION TO VALUE COLLATERAL AND AVOID LIENS
More informationadversary proceeding - A lawsuit arising in or related to a bankruptcy case that is commenced by filing a complaint with the court.
Terminology adversary proceeding - A lawsuit arising in or related to a bankruptcy case that is commenced by filing a complaint with the court. assume - An agreement to continue performing duties under
More informationVacating a Judgment under Rule 60(b)(4): A Review of the Espinosa Decision
In This Issue Volume 7, Number 6 / June 2010 Vacating a Judgment under Rule 60(b)(4): A Review of the Espinosa Decision Tax Claims in Transnational Insolvencies: A "Revenue Rule" Approach ABI's 17th Annual
More informationBankruptcy & Foreclosure
Bankruptcy & Foreclosure Presented by: Tex Ritter & Don Garrison 26 th Annual Training Conference Little Rock, Arkansas September 13-17, 2009 WiCSec Bankruptcy Workshop Tex Ritter, Director, Sierra Nevada
More informationBY ROgER M. BARON AND CASSIDY M. STALLEY 1. Concept of Domestic Support Debts Broadened 2. Domestic Support Obligations
The Top Ten Things th Attorney Should Know Recent Changes in Ban BY roger m. baron 1 and cassidy m. stalley 2 Roger M. Baron Cassidy M. Stalley In 2005, Congress enacted the Bankruptcy Abuse Prevention
More informationInitial Consultation Agreement and Acknowledgment of Receipt of Disclosures
Initial Consultation Agreement and Acknowledgment of Receipt of Disclosures This agreement is entered into by and between the undersigned and David Gaffney, Attorney At Law, doing business as Gaffney Law
More informationIN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI
IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI IN RE: DONALD BONUCHI and, Case No. 04-21387-drd-7 CINDY BONUCHI, Debtors. Adv. No. 04-2044-drd JANICE A. HARDER, Trustee, Plaintiff,
More informationIndividual Bankruptcy A Client's Guide to the Language and Procedure
Individual Bankruptcy A Client's Guide to the Language and Procedure BAKKE NORMAN L A W O F F I C E S Welcome Thank you for considering Bakke Norman, S.C. to represent your interests. This booklet will
More information2:09-cv-10674-NGE-PJK Doc # 13 Filed 07/30/09 Pg 1 of 15 Pg ID 78 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION
2:09-cv-10674-NGE-PJK Doc # 13 Filed 07/30/09 Pg 1 of 15 Pg ID 78 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION JENNIFER ALICE COCKELS, v. Appellant, Case No. 09-10674 Honorable
More informationFramme Law Firm, PC. Bankruptcy Consultation Agreement
Framme Law Firm, PC Bankruptcy Consultation Agreement 1. Bankruptcy Telephone Consultation Agreement (signature required) 2. Notice Pursuant to 11 USC Section 342(b) (information only) 3. Notice Pursuant
More informationCREDIT, DEBT COLLECTION, & BANKRUPTCY
Chapter Four CREDIT, DEBT COLLECTION, & BANKRUPTCY Credit is money, goods or services provided to an individual who promises to pay the lender at a later time. You may not be denied credit because of your
More informationUNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA. NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE
B 201 (12/08) UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE In accordance with 342(b) of the Bankruptcy Code, this notice to individuals
More informationForeign Representative Alert: Chapter 15 Gap Period Relief Subject to Preliminary Injunction Standard. September/October 2013
Foreign Representative Alert: Chapter 15 Gap Period Relief Subject to Preliminary Injunction Standard September/October 2013 Veerle Roovers Mark G. Douglas Unlike in cases filed under other chapters of
More informationThe Treatment of Mortgage Loan Repurchase Agreements in Chapter 11 Bankruptcy
March 2008 / Issue 5 In this issue A legal update from echert s Finance and Real Estate Group p1 Mortgage Loan Repurchase Agreements p2 p3 p4 p5 Safe Harbor and Related Bankruptcy Code Provisions Factual
More information