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Manufactured Home Is Not “Motor Vehicle” So Cram Down Of Secured Loan In Chapter 13 Plan Is Not Prohibited By Hanging Paragraph of §1325(a)
09/16/2025 ...[more]US Trustee Investigating Possible Scheme to Take Debtors’ Equity in Real Property in Multiple Cases; Lawyer Sanctioned
05/14/2024 ...[more]Rats! I need a new car and I’m stuck in Chapter 13
09/05/2023 Do You Need to Finance a Car in Chapter 13? The last thing you want to do is get further into debt while you are in Chapter 13. (The goal of Chapter 13 is to get out of debt.) But sometimes you need to replace a broken down junker. So, you need ...[more]Chapter 13 Payment Information
06/04/2023 Here’s How You Can Make Your Chapter 13 Payments in the Alexandria VA Bankruptcy Court The bankruptcy law tells you to make your first Chapter 13 payment one month after your bankruptcy case is filed. If you forget, or bounce, your first payment, the ...[more]Paying Your Mortgage with Money Order is a Bad Idea
04/19/2023 Paying Your Mortgage with Money Orders is a Bad Idea Handing somebody a money order to buy a car or something–that’s sometimes safer than cash. But mailing a money order to pay your mortgage–that’s almost always a bad idea. Let me tell you about Norman. ...[more]Postpetition Asset Sales in Chapter 13s--Modification, Not Estate Property
01/26/2023 Debtors selling houses during a chapter 13 continues to cause conceptual problems for the courts. A recent decision, In re Marsh , from Judge Fenimore in Kansas City is an example. (Hat tip to Bill Rochelle for flagging this decision in his DailyWire ...[more]Fake and Real People in Bankruptcy
10/09/2022 This draft essay, Fake and Real People in Bankruptcy , just posted on SSRN, is considerably less far along than Unbundling Business Bankruptcy Law, posted last week . ...[more]Once Up an Time: A Chapter 13 Story
10/08/2022 Once up a time: Widow Anna saves her house and clears her debt with Chapter 13. Once up a time, an elderly widow named Anna needed to replace the HVAC in her townhouse. Her air conditioning broke down and she needed to fix it. Anna was poor. She had ...[more]Chapter 13 and Tax Relief for Seniors Save Marian’s House
09/18/2022 Marian Saves Her House from Reverse Mortgage Foreclosure: She Filed Chapter 13 and Got Fairfax Senior Citizen Tax Relief Before her husband died, Marian had taken out a reverse mortgage on her home. That way, they hoped, she wouldn’t have a house payment ...[more]We knock out Dyck-O’Neal, Save Lonnie’s Clearance and his Family Home Place
07/18/2022 We knock out Dyck-O’Neal, Save Lonnie’s Clearance and his Family Home Place Lonnie was about to lose his federal job. His clearance review showed he owed Dyck-O’Neal $127,153 from a foreclosure deficiency. He needed to take care of that. Or he’ll lose his ...[more]Linda Pays through Beyond Finance and Gets Garnished
07/05/2022 Linda Pays Mariner $6113 through Beyond Finance. Then She Gets Garnished Linda Cash (not her real name) wanted to clear her debts without filing bankruptcy. As an alternative to bankruptcy, she signed up for Beyond Finance. Linda needed Beyond Finance to ...[more]Debt Blue or Bankruptcy Which is Better?
12/13/2021 Debt Blue Debt Settlement or Bankruptcy: Which is Better? Blog on Debt Blue Robert Paid them $23673.00 18 month Settled Chase $10,496 and Chase $9719 The post Debt Blue or Bankruptcy Which is Better? by Robert Weed appeared first on Northern VA ...[more]The Wells Fargo Home Projects Card and Chapter 13
07/31/2021 The Wells Fargo Home Projects Card and Chapter 13 Bankruptcy The Wells Fargo Home Projects Card is issued differently than most credit cards. As far as I can tell, they don’t market it directly to consumers. Instead, they get home improvement businesses ...[more]Georgia Bankruptcy Judge Paul Bonapfel Lowers Boom On Chapter 7 Trustee and Counsel Fees
02/27/2021 ...[more]Consumer Bankruptcy, Done Correctly, To Help Struggling Americans
01/07/2020 Today, Senator Elizabeth Warren unveiled her new plan to reform the consumer bankruptcy system . The plan is simple, yet elegant. It is based on actual data and research (including some of my own with Consumer Bankruptcy Project co-investigators Slipster ...[more]Supreme Court Grants Cert To Decide Fate of Repossessed Cars in Bankruptcy
12/19/2019 Yesterday, the SCOTUS granted certiorari in City of Chicago v. Fulton, 19-357 , to resolve a circuit split about whether a creditor's inaction in not returning property repossessed pre-petition can violate the automatic stay. The split arises ...[more]Small Biz Reorg Act Sleeper Innovations
09/25/2019 Two aspects of the Small Business Reorganization Act of 2019 intrigued me as I looked more closely at this important new twist on Chapter 11 for the other 99%. ...[more]There's Still Time to Register for NCBJ 2019
09/19/2019 The National Conference of Bankruptcy Judges' annual conference is happening soon – Wednesday, October 30 through Saturday, November 2. I'm delighted to be part of this year's education committee. The 2019 conference features some panels ...[more]