Home of the Bankruptcy Workshop

Bankruptcy Workshop Special Edition

NACTT Meets Rachel Jackson

Don’t miss the NACTT Annual Meeting in Seattle, July 12–15, 2017. CK says: Consider bidding on the Hermitage Box to benefit the NACTT Foundation.

Season 2, Episode 1

Blowing the Whistle
on the U.S. Trustee Budget

The proposed Trump budget doubles bankruptcy filing fees to fund the U.S. Trustee Program. Does this make sense when bankruptcy filings are half of what they were?

Season 1, Episode 12

Sewer Sponte III: When is Silence Acceptance?

Dicta in Espinosa creates impossible quandary: When does creditor silence relieve bankruptcy judges of “obligation” to correct defects in Chapter 13 plans?

In re Bea, 533 B.R. 283 (B.A.P.Urgency0+Doing 9th Cir. 2015) (Dunn, Kirscher and Taylor).

In re Brown, 2016 WL 6440364 (Bankr. N.D. Ind. Aug. 2, 2016) (Grant).

In re Smiley, 2016 WL 6440365 (Bankr. N.D. Ind. Aug. 10, 2016) (Grant).

Season 1, Episode 11

Sewer Sponte II: The Dark Side of Espinosa

Dicta in Espinosa has inspired some bankruptcy judges to deny confirmation of Chapter 13 plans when no creditor objects.

United Student Aid Funds, Inc. v. Espinosa, 559 U.S. 260, 130 S. Ct. 1367, 176 L.Ed.2d 158 (2010).

Season 1, Episode 10


Recent cases reveal a new generation of bankruptcy judges inclined to raise issues sewer sponte in Chapter 13 cases.

In re Sierra, No. 15-70603, 2016 WL 6304620 (Bankr. S.D. Tex. Oct. 27, 2016) (Rodriguez).

In re Waring, No. 16-12624-TBM, 2016 WL 4440378 (Bankr. D. Col. Aug. 22, 2016) (McNamara).

Season 1, Episode 9


The mortgage servicing industry is broken. The results show up in Chapter 13 cases. The bankruptcy community has reached the end of its patience.

In re Gravel, No. 11-10112, 2016 WL 4765773 (Bankr. D. Vt. Sept. 12, 2016) (Brown).

Season 1, Episode 8


What are the entitlements of creditors when a Chapter 13 debtor receives an inheritance more than 180 days after the petition? Is this just an issue at modification or is something bigger hidden here?

In re Portell, No. 12-44058-13, 2016 WL 4734321 (Bankr. W.D. Mo. Sept. 9, 2016)(Federman).

Season 1, Episode 7


Balloon payment of secured debt is alive and well notwithstanding “equal payments” requirement in § 1325(a)(5)(B)(iii)(II).

In re Cochran, No. 15-52314-AEC, 2016 WL 4575557 (Bankr. M.D. Ga. Sept. 1, 2016)(Carter).

Season 1, Episode 6


Seventh Circuit broadly empowers bankruptcy courts to modify plans after confirmation to increase payments to creditors when circumstances improve.

In re Powers, No. 14-CV-03128, 2016 WL 3443342 (7th Cir. June 23, 2016) (Bauer, Williams, Adelman).

Season 1, Episode 5


Can an underwater lienholder escape lienstripping in a Chapter 13 case by not filing a proof of claim? Hopefully, the Fourth Circuit won’t buy that outcome.

In re Burkhart, et al., Civ. No. PJM 14-315 (D. Md. July 26, 2016).

Season 1, Episode 4


There is good news and bad news about what happens when a car lender or a home mortgage holder fails or chooses not to file a proof of claim.

In re Jones, No. 15-11460, Decision on Motion for Relief from Stay (Bankr. N.D. Ind. Aug. 5, 2016) (Grant).

In re Brown, No 16-10216, Decision and Order Denying Confirmation (Bankr. N.D. Ind. Aug. 2, 2016) (Grant).

In re Pajian, 785 F.3d 1161 (7th Cir. 2015).

Season 1, Episode 3


Claims for stale debts continue to bedevil the circuit courts. Here are three FDCPA decisions from the 11th Circuit getting it right contrasted with wrong turns by the 7th and 8th Circuits:

Crawford v. LVNV Funding, LLC, 758 F.3d 1254 (11th Cir. 2014).

Johnson v. Midland Funding, LLC, 823 F.3d 1334 (11th Cir. 2016).

Bazemore v. Jefferson Capital Systems, LLC, 2016 WL 3608961 (11th Cir. July 5, 2016).

Owens v. LVNV Funding, LLC , 2016 WL 4207965 (7th Cir. Aug. 10, 2016).

Nelson v. Midland Credit Mgmnt., 2016 WL 3672073 (8th Cir. July 11, 2016).

Season 1, Episode 2


CK and Keith are back from NACTT in Philadelphia with a full report. Also, the first installment of Case of the Week features dismissal doldrums after Harris v. Viegelahan.

In re Bateson, 2016 WL 3475613 (Bankr. E.D. Mich. June 23, 2016) (Shefferly).

Season 1, Episode 1


NACTT 2016!!

Please check out Bankruptcy Workshop: (Season 1; Episode 1) "The Unmuzzling." Cardboard Keith says Philly was totally liberating!

While you are here, please take a look at what's coming next from Keith Lundin's new site:

Lundin On Chapter 13: The Treatise. Bigger and better than ever. New search engine. Many new and rewritten sections. As always, Case Updater with all the latest cases relevant to your issue.

Legislative History: The first and only complete legislative history for BAPCPA. The whole story, from 1997 to 2005. All the bills. All the Reports. All the Congressional Record testimony, commentary, debates, remarks and extensions. Fully searchable.

Discharge and Dischargeability: A new service. Thousands of appellate decisions summarized and organized the way you would research a question under sections 523, 727 or 1328.

Bankruptcy Workshop: The one and only video stop for LundinOnChapter13, featuring commentary, interviews and reporting by Keith Lundin, Cardboard Keith (Unmuzzled) and visiting contributors from across the Chapter 13 landscape.

Research Assistance: Coming soon, your own private source for help getting your hands around the Chapter 13 problem you have to solve. By email and by phone, subscribers can frame their issues and get a return contact with ideas for where to look in LundinOnChapter13, including suggestions for how to tackle the brief you have to write, the trial you have to prepare – the Chapter 13 nut you need to crack. Consult the experts at It’s all part of your subscription.

And Even More! Bulletins straight to your inbox. Trivia about all things Chapter 13. Special Events that you'll want to be part of to stay in the know.

For Our Loyal Subscribers: You're already in! All you have to do is come to the new site as we start turning features on in the coming weeks, using the same login and password. Most importantly of all, thank you for your support over the years, and please keep telling us what you need, what you want to see, and how we can keep making our services even better for you!