Lundin On Chapter 13
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PART 1:  HISTORY, RESOURCES, GENERAL PRINCIPLES AND “READ FIRST!”

§ 1.1    Introduction to Lundin On Chapter 13

A.  HISTORY AND RESOURCES

§ 2.1    Brief History of Chapter 13 before 2005

§ 2.2    Brief History, Including “Legislative History,” of BAPCPA

§ 2.3    Brief History of Chapter 13 after BAPCPA

§ 2.4    Sources of Information and Resources You Need

B.  GENERAL PRINCIPLES AFTER BAPCPA

§ 3.1    Understanding Chapter 13 after BAPCPA

§ 3.2    One: Those Who Can Pay Should Pay

§ 3.3    Two: Don’t Trust Debtors

§ 3.4    Three: Don’t Trust Judges

§ 3.5    Four: Don’t Trust Lawyers

§ 3.6    Five: Make the Door Smaller

§ 3.7    Six: The Rich Fare Better Than the Poor

§ 3.8    Seven: Unsecured Creditors Don’t Count

§ 3.9    Eight: Debtors Must Beg for Relief

§ 3.10    Nine: Malice or Incompetence?

§ 3.11    Ten: The Prior Law Is Still There

§ 3.12    Conclusion: The Job Ahead

C.  “READ FIRST!”

§ 4.1    WARNING! You Are a Debt Relief Agency

§ 4.2    Bankruptcy Petition Preparers

§ 4.3    Section 342: Notice What Didn’t Happen

§ 4.4    Other Sections You Should Read

PART 2:  PREFILING CONSIDERATIONS

§ 5.1    Summary of Part 2

A.  STATUTES DISCUSSED IN PART 2

§ 6.1    11 U.S.C. § 101(30): Individual with Regular Income

§ 6.2    11 U.S.C. § 109(e): Debt Limitations

§ 6.3    11 U.S.C. § 109(g): 180-Day Bar to Refiling

§ 6.4    11 U.S.C. § 109(h): Prefiling Briefing

§ 6.5    11 U.S.C. § 707(b): “Abuse” Bar to Chapter 7 Relief

B.  BEFORE CONSIDERING BANKRUPTCY RELIEF

§ 7.1    Nonbankruptcy Alternatives Are Exhausted

C.  WHEN IS CHAPTER 13 THE BEST BANKRUPTCY CHOICE?

§ 8.1    Debtor Wants to Pay Creditors

§ 8.2    Debtor Has Some Ability to Pay Creditors

§ 8.3    Prior Bankruptcy Discharge

§ 8.4    Chapter 12 Not Available or Not Helpful

§ 8.5    Other Chapters Too Expensive, Too Complicated or Unfriendly

§ 8.6    11 U.S.C. § 707(b) Problems Are Likely

§ 8.7    Debt to Be Discharged Is Small

§ 8.8    Too Many Reaffirmations

§ 8.9    Debtor Cannot Reaffirm or Redeem Property

§ 8.10    The Pleasures of Possession and Un-repossession

§ 8.11    Discharge or Dischargeability Problems

§ 8.12    Home Mortgage Problems

§ 8.13    Cosigner Problems

§ 8.14    Exemption Problems

§ 8.15    Fraudulent Conveyance or Preference Problems

§ 8.16    Domestic Relations Problems

§ 8.17    Criminal Problems

§ 8.18    Debtor Likely to Need Future Bankruptcy Relief

§ 8.19    Debtor Needs Discipline of a Chapter 13 Case

D.  ELIGIBILITY FOR CHAPTER 13

1.  GENERAL CONSIDERATIONS

§ 9.1    Summary of Eligibility Requirements

§ 9.2    Prefiling Eligibility Planning

§ 9.3    How to Challenge Eligibility

§ 9.4    Burden of Proof in an Eligibility Dispute

§ 9.5    Consequences of Ineligibility: Jurisdiction; Automatic Stay; Strike, Dismiss or Excuse?

2.  WHO IS ELIGIBLE

§ 10.1    Debtor Must Be an Individual; Spouses Allowed

§ 10.2    Sole Proprietorships Are Eligible

§ 10.3    Corporations Are Not Eligible

§ 10.4    Partnerships Are Not Eligible

§ 10.5    Partners and Corporate Owners May Be Eligible

§ 10.6    Partnership and Corporate Debts and Assets May Impact Eligibility

§ 10.7    Trust Is Not Eligible, but Trustee May Be Eligible

§ 10.8    Eligibility of a Decedent’s Estate

§ 10.9    Petitions on Behalf of Others: Incompetents, Next Friends, Powers of Attorney and the Like

3.  REGULAR INCOME REQUIREMENT

§ 11.1    What Is Regular Income?

§ 11.2    When Must Debtor Have Regular Income?

a.  SOURCES OF REGULAR INCOME

§ 12.1    Self-Employment

§ 12.2    Multiple, Irregular and Seasonal Employment

§ 12.3    Farming, Crop and Land Set-Aside or Payment in Kind

§ 12.4    Retirement Income

§ 12.5    Social Security

§ 12.6    Disability Benefits; Workers’ Compensation

§ 12.7    Family Assistance, Welfare and Other Entitlements

§ 12.8    Unemployment Benefits, Strike Benefits and the Like

§ 12.9    Alimony, Maintenance and Child Support

§ 12.10    Contributions from Family, Friends, Nonfiling Spouses and Former Spouses; Grants and Awards

§ 12.11    Income from Leasing, Selling or Liquidating Assets

b.  ABLE TO MAKE PAYMENTS

§ 13.1    Debtor Must Be Able to Make Payments under a Plan

4.  DEBT LIMITATIONS

a.  IN GENERAL

§ 14.1    Dollar Amounts

§ 14.2    Time for Determining Debt

§ 14.3    Use of Statements and Schedules in Eligibility Calculations

§ 14.4    Are Claims Split under 11 U.S.C. § 506(a)?

b.  NONCONTINGENT DEBTS ARE COUNTED

§ 15.1    What Is Noncontingent Debt?

§ 15.2    Is Partnership Debt Contingent?

§ 15.3    Are Guaranties Contingent?

§ 15.4    Are Contract Debts Contingent?

§ 15.5    Is Tort Liability Contingent?

§ 15.6    Are Claims through and against Debtor’s Corporation Contingent?

§ 15.7    Are Prebankruptcy Judgments Contingent?

c.  LIQUIDATED DEBTS ARE COUNTED

§ 16.1    What Is a Liquidated Debt?

§ 16.2    Effect of Defenses and Counterclaims

d.  SPECIAL DEBT-COUNTING PROBLEMS

§ 17.1    Disputed Debts

§ 17.2    Taxes and Other Priority Claims

§ 17.3    Joint Obligations of Spouses and Codebtors; Collateral That Is Not Property of the Estate

5.  11 U.S.C. § 109(h): PREPETITION BRIEFING

§ 18.1    In General

a.  PREPETITION BRIEFING

§ 19.1    What is a Briefing?

§ 19.2    Timing of Briefing

§ 19.3    Certificate from NBCCA: 11 U.S.C. § 521(b)

b.  TEMPORARY EXEMPTION FROM PREPETITION BRIEFING

§ 20.1    In General

§ 20.2    Timing, Procedure and Form for Certification of Exigent Circumstances

§ 20.3    Which Circumstances Are Exigent and Which Exigent Circumstances Merit a Waiver?

§ 20.4    Prepetition Request

§ 20.5    Briefing after Temporary Exemption

c.  PERMANENT WAIVER OF PREPETITION BRIEFING

§ 21.1    In General

§ 21.2    Timing, Procedure and Form

§ 21.3    11 U.S.C. § 109(h)(2): Inadequate NBCCA Services

§ 21.4    11 U.S.C. § 109(h)(4): Incapacity, Disability or Active Military Duty

6.  ELIGIBILITY OF REPEAT FILERS

§ 22.1    Eligibility of a Simultaneous Filer

§ 23.1    Eligibility of a Serial Filer: “Chapter 20” and Beyond

§ 23.2    Eligibility of Repeat Filers after BAPCPA

§ 24.1    Court-Imposed Restrictions on Eligibility to Refile

§ 25.1    180-Day Bar to Eligibility in 11 U.S.C. § 109(g)—In General

§ 25.2    11 U.S.C. § 109(g)(1)—Willful Failure to Abide by Court Order or to Appear in Proper Prosecution

§ 25.3    11 U.S.C. § 109(g)(2)—Voluntary Dismissal after Request for Relief from Stay

E.  REPRESENTING DEBTORS AND CREDITORS BEFORE FILING

1.  GENERAL CONSIDERATIONS

§ 26.1    Special Problems for Lawyers in Chapter 13 Cases

§ 26.2    Use of Paralegals and Representatives

§ 26.3    Prefiling Role of Chapter 13 Trustee

2.  DEBTORS’ COUNSEL

§ 27.1    Explaining Chapter 13 to a Debtor

§ 27.2    Explaining Chapter 13 to an Employer

§ 27.3    Exemption Planning

§ 27.4    Getting Paid: Attorneys’ Fees for Representing Debtors

3.  CREDITORS’ COUNSEL

§ 28.1    Prefiling Considerations for Creditors’ Counsel

§ 28.2    Getting Paid: Attorneys’ Fees for Representing Creditors

4.  COLLECTING INFORMATION FROM THE DEBTOR

§ 29.1    Use of Preinterview Forms

a.  PERSONAL INFORMATION

§ 30.1    Names, Social Security Numbers, Prior Cases

§ 30.2    Addresses, Friends and Relatives

§ 30.3    Health and Health Insurance

§ 30.4    Marital Status and Stability

§ 30.5    Income and Expenses

b.  DEBT INFORMATION

§ 31.1    Debt Information—In General

§ 31.2    Use of Credit Reporting Agencies

§ 31.3    Bills and Coupon Books

§ 31.4    Loan Documents, Security Instruments and Mortgages

§ 31.5    Collection Agencies

§ 31.6    Taxes

§ 31.7    Leases and Rental Agreements

§ 31.8    Guaranties and Other Secondary Liabilities

§ 31.9    Wage Assignments and Payroll Deductions

§ 31.10    Lawsuits

c.  ASSETS

§ 32.1    Assets—In General

§ 32.2    Contracts, Mortgages and Bank Accounts

§ 32.3    Investment Information

§ 32.4    Business Involvements

§ 32.5    Foreclosures, Repossessions and Surrenders

§ 32.6    Theft or Casualty Losses

§ 32.7    Insurance Policies

§ 32.8    Other Property

d.  DEBTOR ENGAGED IN BUSINESS

§ 33.1    Special Information Needs In Business Cases

PART 3:  COMMENCEMENT OF A CHAPTER 13 CASE

§ 34.1    Summary of Part 3

§ 34.2    In General—Effects of BAPCPA

A.  STATUTES AND RULES DISCUSSED IN PART 3

§ 35.1    11 U.S.C. § 109(a): Who May Be a Debtor?

§ 35.2    11 U.S.C. § 521(a): Duty to File Schedules and Statements

§ 35.3    28 U.S.C. § 1408: Venue

§ 35.4    28 U.S.C. § 1412: Change of Venue

§ 35.5    28 U.S.C. § 1930: Filing Fees

§ 35.6    Bankruptcy Rule 1002: Commencement of Case

§ 35.7    Bankruptcy Rule 1005: Caption of Petition

§ 35.8    Bankruptcy Rule 1006: Filing Fee and Installments

§ 35.9    Bankruptcy Rule 1007: Lists, Statements and Schedules

§ 35.10    Bankruptcy Rule 1008: Verification

§ 35.11    Bankruptcy Rule 1014: Dismissal and Change of Venue

§ 35.12    Bankruptcy Rule 2016: Disclosure of Compensation

§ 35.13    Bankruptcy Rule 4003: Exemptions

§ 35.14    Bankruptcy Rule 9009: Official Forms

B.  DOCUMENT CHECKLIST AND EXPLANATION OF FORMS

§ 36.1    Commercial Forms

§ 36.2    Petition, Signed by Debtor—“Wet” Signature Issues

§ 36.3    Caption for Petition

§ 36.4    List of Creditors and Addresses

§ 36.5    List of Creditors—DSOs and § 342 Considerations

§ 36.6    Statement of Social Security Number

§ 36.7    Schedules—In General

§ 36.8    Schedule A—Real Property

§ 36.9    Schedule B—Personal Property

§ 36.10    Schedule C—Exemptions

§ 36.11    Schedule D—Secured Claims

§ 36.12    Schedule E—Priority Claims

§ 36.13    Schedule F—Unsecured Claims

§ 36.14    Schedule G—Executory Contracts and Leases

§ 36.15    Schedule H—Codebtors

§ 36.16    Schedules I and J—Income and Expenditures

§ 36.17    Statement of Monthly Net Income

§ 36.18    Statement of Anticipated Increase in Income or Expenditures

§ 36.19    Form 122C-1: Statement of Current Monthly Income

§ 36.20    Form 122C-1: Commitment Period Calculation

§ 36.21    Form 122C-2: Disposable Income Calculation

§ 36.22    Statement of Financial Affairs

§ 36.23    Statement of Financial Affairs after BAPCPA

§ 36.24    Plan

§ 36.25    Briefing Requirement and Certificate

§ 36.26    Attorney’s Disclosure of Compensation

§ 36.27    Matrix of Creditors

§ 36.28    Cover Sheet

§ 36.29    Application to Pay Filing Fee in Installments

§ 36.30    Order to Pay Trustee

§ 36.31    Statement of Financial Affairs for Debtor Engaged in Business

§ 36.32    Section 342(b) Certificate

§ 36.33    Certificate of § 342(b) Notice after BAPCPA

§ 36.34    Record of Education Individual Retirement Account

§ 36.35    Certification About Eviction Judgment and Rent Deposit

§ 36.36    Notice by Bankruptcy Petition Preparer

§ 36.37    Local Documents

C.  TIME AND PLACE FOR FILING

§ 37.1    Jurisdiction, Venue and Change of Venue

§ 37.2    When to File Petition

§ 37.3    Timing Considerations after BAPCPA

§ 37.4    Time for Filing Schedules, Statement of Financial Affairs, Plan and Other Documents

§ 37.5    Filing Fee and Option to Pay in Installments

§ 37.6    Filing Fees, Installments and Waiver after BAPCPA

PART 4:  PRECONFIRMATION PRACTICE

§ 38.1    Summary of Part 4

A.  STATUTES AND RULES DISCUSSED IN PART 4

§ 39.1    11 U.S.C. § 343: Appearance and Examination at Meeting of Creditors

§ 39.2    11 U.S.C. § 521(1): Debtor’s Duties

§ 39.3    11 U.S.C. § 1301: Codebtor Stay

§ 39.4    11 U.S.C. § 1302: Powers and Duties of Trustee

§ 39.5    11 U.S.C. § 1303: Rights and Powers of Debtor

§ 39.6    11 U.S.C. § 1304: Debtor Engaged in Business

§ 39.7    11 U.S.C. § 1321: Filing of Plan

§ 39.8    11 U.S.C. § 1323: Modification of Plan before Confirmation

§ 39.9    11 U.S.C. § 1326: Payments into Plan

§ 39.10    Bankruptcy Rule 1007(h): Mandatory Amendments

§ 39.11    Bankruptcy Rule 1009: Amendments to Petition, Lists, Statements and Schedules

§ 39.12    Bankruptcy Rule 2003: Meeting of Creditors

§ 39.13    Bankruptcy Rule 2004: Examinations

§ 39.14    Bankruptcy Rule 2015: Record-Keeping and Reporting Requirements

§ 39.15    Bankruptcy Rule 3004: Filing of Claims by Debtor

§ 39.16    Bankruptcy Rule 3010: Small Dividends

§ 39.17    Bankruptcy Rule 3012: Valuation of Security

§ 39.18    Bankruptcy Rule 3013: Classification of Claims

§ 39.19    Bankruptcy Rule 3015: Filing of Plan

§ 39.20    Bankruptcy Rule 4001: Stay Relief Practice and Procedure

§ 39.21    Bankruptcy Rule 4002: Duties of Debtor

§ 39.22    Bankruptcy Rule 6004: Use, Sale or Lease of Property

§ 39.23    Bankruptcy Rule 6006: Assumption and Rejection of Executory Contracts

B.  POWERS AND DUTIES OF DEBTOR

§ 40.1    Duty to Cooperate

1.  STATEMENTS AND SCHEDULES

§ 41.1    Duty to File Statements and Schedules

§ 41.2    Preconfirmation Amendment of Petition, Statements, Schedules and Lists

2.  FILING AND PROVIDING DUTIES ADDED BY BAPCPA

§ 42.1    Filing Requirements and Other Duties: A List

§ 42.2    Consequences of Failure to File Required Information, Including “Automatic Dismissal”

§ 42.3    Payment Advices

§ 42.4    Tax Return Duties—In General

§ 42.5    Tax Return Duties Seven Days before First Scheduled Meeting of Creditors

§ 42.6    Tax Return Duties One Day before First Scheduled Meeting of Creditors

§ 42.7    Tax Return Duties—On Request

§ 42.8    Consequences of Failure to File or Provide Tax Returns

§ 42.9    Tax Return Confidentiality Issues

§ 42.10    Annual Income and Expense Statement—On Request

§ 42.11    Audits by U.S. Trustee

3.  MEETING OF CREDITORS

§ 43.1    Timing and Procedure

§ 43.2    Debtor Duties at Meeting of Creditors after BAPCPA

§ 43.3    Personal Appearance by Debtor

§ 43.4    What to Do If Debtor Is Not Able to Attend in Person

§ 43.5    Consequences of Failure to Attend Meeting of Creditors

§ 43.6    Option Not to Convene Meeting of Creditors?

§ 43.7    Holding Open the Meeting of Creditors

§ 43.8    Representing Creditors at the Meeting of Creditors

4.  DEBTOR MUST COMMENCE MAKING PAYMENTS

§ 44.1    First Test of Debtor’s Good Intentions

§ 44.2    Timing and Form of Payment

§ 44.3    Employer Problems

§ 44.4    Consequences of Failure to Commence Payments

§ 44.5    Return of Payments to Debtor

§ 44.6    Preconfirmation Payments after BAPCPA

§ 44.7    Disposition of Preconfirmation Payments after BAPCPA

5.  DEBTOR MAY USE, SELL AND LEASE ESTATE PROPERTY

§ 45.1    Debtor Has Exclusive Possession and Control of Estate Property

a.  PROPERTY OF THE ESTATE

§ 46.1    What Is Property of the Chapter 13 Estate?

§ 46.2    Property of the Chapter 13 Estate—Changes by BAPCPA

§ 46.3    Postpetition Earnings

§ 46.4    Prepetition Repossession, Levy, Sale or Conveyance

§ 46.5    Proceeds, Rents or Profits from Property of the Estate

§ 46.6    Gifts, Loans and Windfalls

§ 46.7    Pension Benefits

§ 46.8    Entitlements Programs

§ 46.9    Leases and Other Contract Rights

§ 46.10    Insurance Policies and Proceeds

§ 46.11    Causes of Action—Including Judicial Estoppel Issues

§ 46.12    Miscellaneous Real and Personal Property

b.  ADEQUATE PROTECTION BEFORE CONFIRMATION

§ 47.1    Adequate Protection of Lienholders before Confirmation

§ 47.2    Preconfirmation Adequate Protection after BAPCPA

6.  EXEMPTIONS

a.  IN GENERAL

§ 48.1    Available and Important in Chapter 13 Cases

§ 48.2    BAPCPA and Exemptions

§ 48.3    Exemptions and Exemption Limitations Added by BAPCPA

§ 48.4    Timing and Procedure

§ 48.5    Timing and Procedure Considerations Added by BAPCPA

§ 48.6    Domicile Rules after BAPCPA

b.  LIEN AVOIDANCE UNDER 11 U.S.C. § 522(f)

§ 49.1    Available in Chapter 13 Cases

§ 49.2    Procedure for Lien Avoidance

§ 49.3    Limitations on Lien Avoidance

§ 49.4    Section 522(f) after BAPCPA: Household Goods Corrupted

§ 49.5    Protecting Lienholder after Lien Avoidance

7.  AVOIDANCE AND RECOVERY POWERS

§ 50.1    Turnover of Property

§ 50.2    Relief from Garnishments

§ 50.3    Strong-Arm Powers, Statutory Liens, Preferences and Fraudulent Conveyances

§ 50.4    Avoidance Powers after BAPCPA

§ 50.5    Preferences after BAPCPA

§ 50.6    Fraudulent Transfers after BAPCPA

§ 50.7    Postpetition Transfers

8.  MISCELLANEOUS POWERS AND DUTIES

§ 51.1    Can Debtor Sue and Be Sued?

§ 51.2    Debtor Must File a Plan

§ 51.3    Assume, Reject or Assign Leases, Rental Agreements and Executory Contracts

§ 51.4    Preconfirmation Assumption and Rejection of Leases and Executory Contracts after BAPCPA

§ 51.5    Review Claims, Object to Claims and File Proofs of Claim

9.  SPECIAL POWERS AND DUTIES OF A DEBTOR ENGAGED IN BUSINESS

§ 52.1    Operating a Chapter 13 Debtor Engaged in Business

§ 52.2    Additional Filing and Reporting Requirements

§ 52.3    Debtors Engaged in Business after BAPCPA

C.  POWERS, DUTIES AND COMPENSATION OF CHAPTER 13 TRUSTEE

1.  POWERS AND DUTIES

§ 53.1    Know the Trustee’s Operating Procedures

§ 53.2    Who Will Be the Trustee?

§ 53.3    Removal and Liability of Trustee

§ 53.4    Procedure for Removal after BAPCPA

§ 53.5    Advise and Assist Debtor

§ 53.6    Appear and Be Heard with Respect to Confirmation of a Plan

§ 53.7    Appear and Be Heard with Respect to the Value of Collateral

§ 53.8    Appear and Be Heard with Respect to Modification of Plans after Confirmation

§ 53.9    Ensure Debtor Commences Making Timely Payments

§ 53.10    Make Payments to Creditors Unless Plan or Confirmation Order Provides Otherwise

§ 53.11    Payments to Creditors before Confirmation

§ 53.12    Avoidance and Recovery Powers

§ 53.13    Recovery of Overpayments

§ 53.14    Seek Conversion or Dismissal

§ 53.15    Review Claims, Object to Claims and File Proofs of Claim

§ 53.16    Noticing Responsibilities

§ 53.17    § 342 Noticing Issues

§ 53.18    Audits by U.S. Trustee

§ 53.19    Trustees’ Role in Debtor Education

§ 53.20    Trustees’ Final Report

2.  COMPENSATION AND EXPENSES

§ 54.1    Standard Percentage Fee and Expenses

§ 54.2    Compensation and Expenses of Chapter 13 Trustee after BAPCPA

§ 54.3    Lowered Percentage in a Case

§ 54.4    “No-Costing” Payments on a Claim

§ 54.5    Quantum Meruit

§ 54.6    Compensation on Direct Payments by Debtor

§ 54.7    Compensation on Sale or Transfer of Assets

§ 54.8    Compensation When Trustee Is Not a Standing Trustee

§ 54.9    Compensation When Case Is Dismissed or Converted before Confirmation

D.  REPRESENTING CREDITORS PRIOR TO CONFIRMATION

1.  STOPPING THE CASE BEFORE CONFIRMATION

§ 55.1    Quick Action Is Essential

§ 55.2    Eligibility Attacks

§ 55.3    Conversion or Dismissal

§ 55.4    Preconfirmation Dismissal or Conversion after BAPCPA

2.  GETTING INFORMATION

§ 56.1    How to Determine Proposed Treatment of a Creditor

§ 56.2    Working with the Chapter 13 Trustee

§ 56.3    Attending Meeting of Creditors

§ 56.4    Representation at Meeting of Creditors after BAPCPA

§ 56.5    Preconfirmation Discovery Rights of Creditors

§ 56.6    Rights to Documents and Information after BAPCPA

3.  ASSERTING CREDITORS’ RIGHTS BEFORE CONFIRMATION

§ 57.1    Proofs of Claim

§ 57.2    Adequate Protection Rights

§ 57.3    Preconfirmation Adequate Protection Rights after BAPCPA

§ 57.4    Preconfirmation Rights of Landlords and Lessors after BAPCPA

§ 57.5    Domestic Support Obligations: Preconfirmation Rights after BAPCPA

§ 57.6    Preconfirmation Valuation Disputes

§ 57.7    Preconfirmation Classification Disputes

§ 57.8    Policing Debtor’s Compliance with Preconfirmation Duties

§ 57.9    Negotiating for a Secured Claim Holder

§ 57.10    Negotiating for a Home Mortgage Holder

§ 57.11    Representing an Unsecured Claim Holder

E.  AUTOMATIC STAY AND PRECONFIRMATION RELIEF FROM STAY

1.  EXTENT OF AUTOMATIC STAY

§ 58.1    Usual Protections

§ 58.2    BAPCPA Shrank Stay

§ 58.3    Additional Protection for Postpetition Property and Income

§ 58.4    Postpetition Creditors

§ 58.5    Alimony and Support Exception

§ 58.6    Domestic Support Obligation Exception after BAPCPA

§ 58.7    Criminal Action or Proceeding Exception

§ 58.8    Police and Regulatory Power Exception

§ 58.9    Real Estate, Landlord and In Rem Exceptions after BAPCPA

§ 58.10    Pension Loans Exception after BAPCPA

§ 58.11    Miscellaneous New Stays and Exceptions after BAPCPA

§ 58.12    Setoffs and Recoupments

§ 58.13    Termination of Services to Debtor and Discrimination against Debtor

§ 58.14    Expiration of Stay

2.  11 U.S.C. § 362(c)(3) AND (c)(4): 30-DAY STAY TERMINATION; NO STAY

§ 59.1    In General

a.  11 U.S.C. § 362(c)(3): 30-DAY STAY TERMINATION

§ 60.1    When Does § 362(c)(3) Apply?

§ 60.2    Which Stays Terminate?

§ 60.3    Timing, Procedure and Form for Extension of Stay

§ 60.4    (Rebuttable) Presumption of Lack of Good Faith

§ 60.5    Proof of Good Faith

b.  11 U.S.C. § 362(c)(4): NO STAY

§ 61.1    When Does § 362(c)(4) Apply?

§ 61.2    Procedure, Timing and Form for Imposing Stay

§ 61.3    (Rebuttable) Presumption of Lack of Good Faith

§ 61.4    Proof of Good Faith

3.  VIOLATION OF STAY AND REMEDIES

§ 62.1    Examples of Stay Violations, and Not

§ 62.2    What Court?

§ 62.3    Sanctions or Contempt?

§ 62.4    Motion Practice or Adversary Proceeding?

§ 62.5    Remedies for Violation of Stay

§ 62.6    Limitation on Monetary Penalties after BAPCPA

4.  PRECONFIRMATION RELIEF FROM STAY

a.  PROCEDURE

§ 63.1    Strategic Considerations

§ 63.2    Timing, Procedure and Form

b.  GROUNDS FOR RELIEF FROM STAY

§ 64.1    Lack of Adequate Protection

§ 64.2    Other Cause for Relief

§ 64.3    Prospective, In Rem and Automatic Relief from Stay

§ 64.4    Annulment of the Stay

§ 64.5    Application of § 362(d)(2) in Chapter 13 Cases

F.  CODEBTOR STAY

1.  EXTENT OF CODEBTOR STAY

§ 65.1    Cosigners and Joint Obligors Are Protected

§ 65.2    Consumer Debts Only

§ 65.3    Codebtor Heaven after BAPCPA

§ 65.4    Can Plan Enlarge Codebtor Stay?

§ 65.5    Expiration of Codebtor Stay

2.  RELIEF FROM CODEBTOR STAY

a.  PROCEDURE

§ 66.1    Motion Practice

§ 66.2    Automatic Relief under § 1301(d)

§ 66.3    Timing of Request for Relief

§ 66.4    Burden of Proof

b.  GROUNDS FOR RELIEF FROM CODEBTOR STAY

§ 67.1    Codebtor Received the Consideration

§ 67.2    Plan Does Not Pay Debt in Full

§ 67.3    Postpetition Interest, Attorneys’ Fees, Costs and Other Charges

§ 67.4    Can Creditor Collect Original Contract Payment from Codebtor?

§ 67.5    Irreparable Harm

§ 67.6    Annulment of Codebtor Stay

G.  UTILITY STAY

§ 68.1    Utility Stay and Continuing Service

§ 68.2    Utility Stay Uncertainty after BAPCPA

H.  MISCELLANEOUS PRECONFIRMATION PROBLEMS

§ 69.1    Incurring Debt prior to Confirmation

§ 69.2    Pro Se Debtors

§ 69.3    Loss of Job or Income

§ 69.4    Loss of Contact with Debtor

§ 69.5    Incurable Opposition by a Creditor or Trustee

PART 5:  DRAFTING AND CONFIRMING PLANS

§ 70.1    Summary of Part 5

A.  STATUTES AND RULES DISCUSSED IN PART 5

§ 71.1    11 U.S.C. § 365: Executory Contracts and Unexpired Leases

§ 71.2    11 U.S.C. § 1321: Filing of Plan

§ 71.3    11 U.S.C. § 1322: Contents of Plan

§ 71.4    11 U.S.C. § 1324: Confirmation Hearing

§ 71.5    11 U.S.C. § 1325: Confirmation Standards

§ 71.6    Bankruptcy Rule 2002: Notice of Confirmation Hearing

§ 71.7    Bankruptcy Rule 3012: Valuation of Security

§ 71.8    Bankruptcy Rule 3013: Classification of Claims

§ 71.9    Bankruptcy Rule 3015: Filing of Plan and Objections to Confirmation

B.  TIMING, STANDING AND FORM OF PLAN

§ 72.1    Overview: Designing Plans That Work

§ 72.2    Challenges Added by BAPCPA

§ 72.3    Time for Filing Plan

§ 72.4    Who Can File Plan?

§ 72.5    Form of Plan

§ 72.6    Model Plan (BAPCPA)

C.  PROVIDING FOR PRIORITY CLAIMS

§ 73.1    Plan Must Provide Full Payment

§ 73.2    What Claims Are Priority Claims?

§ 73.3    Priority Claims Added or Changed by BAPCPA

§ 73.4    Deferred Payments Are Permitted

§ 73.5    Interest Not Required, with Exceptions

§ 73.6    Treatment of Priority Claims Changed by BAPCPA

§ 73.7    Secured Priority Claims?

§ 73.8    Special Provisions for Attorneys’ Fees

§ 73.9    Attorney Fees after BAPCPA

§ 73.10    Filing Fees

§ 73.11    Filing Fees after BAPCPA

D.  PROVIDING FOR SECURED CLAIMS

1.  GENERAL RULES BEFORE AND AFTER BAPCPA

§ 74.1    General Rules before BAPCPA

§ 74.2    General Rules Changed by BAPCPA

§ 74.3    Acceptance of Plan before BAPCPA

§ 74.4    Acceptance of Plan after BAPCPA

§ 74.5    Surrender or Sale of Collateral before BAPCPA

§ 74.6    Surrender, Sale, Vesting in Lienholder and Payment with Property after BAPCPA

§ 74.7    Classification of Secured Claims

§ 74.8    Direct Payment of Secured Claims by Debtor before BAPCPA

§ 74.9    Direct Payment of Secured Debt after BAPCPA

§ 74.10    Partially Secured Claims

§ 74.11    The Power to Modify

§ 74.12    Lien Retention before BAPCPA

§ 74.13    Lien Retention after BAPCPA, Including in No-Discharge Cases

§ 74.14    Equal Monthly Installments after BAPCPA

§ 74.15    “Adequate Protection” after Confirmation after BAPCPA

2.  SPECIAL RULES AFTER BAPCPA: 910-DAY PMSI CAR CLAIMS AND BEYOND

§ 75.1    In General: Modification Without § 506

§ 75.2    Motor Vehicles and Any Other Thing of Value

§ 75.3    Only PMSIs Need Apply

§ 75.4    Acquired for Personal Use of Debtor

§ 75.5    Surrender in Full Satisfaction?

§ 75.6    Procedure and Miscellaneous Hanging-Sentence Issues

3.  VALUATION: BEFORE AND AFTER BAPCPA

§ 76.1    Valuation, Claim Splitting and Dewsnup

§ 76.2    Is Claim Secured, and By What?

§ 76.3    As of What Date Is Value Determined?

§ 76.4    Valuation in Chapter 13 Cases before Rash

§ 76.5    Rash and Valuation

§ 76.6    Valuation after Rash

§ 76.7    Valuation after BAPCPA

4.  PRESENT VALUE: INTEREST, BEFORE AND AFTER BAPCPA

§ 77.1    “Value, As of the Effective Date of the Plan” Means Interest

§ 77.2    Interest Rate Anarchy: Present Value before Till

§ 77.3    Present Value after Till

5.  MISCELLANEOUS SECURED CLAIMS ISSUES

§ 78.1    Full Payment of Allowed Secured Claim

§ 78.2    Calculating Payments to Secured Claim Holders

§ 78.3    Accounting for Adequate Protection

§ 78.4    Curing Default, Waiving Default, Maintaining Payments and Combinations

§ 78.5    Oversecured Claim Holders

§ 78.6    Oversecured Claims after BAPCPA

§ 78.7    Pawn Transactions

§ 78.8    Pawn Transactions after BAPCPA

6.  HOME MORTGAGES: BEFORE AND AFTER BAPCPA

§ 79.1    Most Home Mortgages Cannot Be Modified: § 1322(b)(2) and Nobelman

§ 79.2    Principal Residence Redefined by BAPCPA

§ 79.3    “Best Practices” and the Protection from Modification in § 1322(b)(2)

a.  HOME MORTGAGES THAT ARE NOT PROTECTED FROM MODIFICATION

§ 80.1    In General: Claims That Are Not Secured Only by Security Interest in Real Property That Is the Debtor’s Principal Residence

§ 80.2    Statutory Liens and Judgment Liens, Including Foreclosure Judgments

§ 80.3    Non-Purchase Money, “Short-Term” and Real Estate-Secured Loans for Purposes Other Than Acquiring Residence

§ 80.4    Timing Issues: Lien Waiver, Surrender or Avoidance

§ 80.5    Timing Issues: Prepetition Changes in Collateral or Use

§ 80.6    Rental Property, Farmland and Other Income-Producing Property

§ 80.7    Mobile Homes

§ 80.8    Claims Secured by Bank Deposits, “Shares” or Escrow Account Balances

§ 80.9    Claims Secured by Insurance Policies, Proceeds or Premiums

§ 80.10    Claims Secured by an Assignment of Rents

§ 80.11    Claims Secured by Fixtures, Furniture, Equipment, Appliances, Machinery, Easements, Appurtenances, Mineral Rights, Water Rights and the Debtor’s First Born

§ 80.12    Claims Secured by Miscellaneous Other Real or Personal Property

§ 80.13    Modification of Unsecured Home Mortgage: Before and After BAPCPA

§ 80.14    Providing for and Accounting for an Unprotected Mortgage: Modifying, Curing Default, Maintaining Payments and Combinations

b.  CURING DEFAULT AND MAINTAINING PAYMENTS ON HOME MORTGAGES

§ 81.1    Overview: General Rules for Saving Debtor’s Home

1)  WHAT DEFAULTS CAN BE CURED?

§ 82.1    Prepetition Defaults—When is Property “Sold” at Foreclosure?

§ 82.2    Postpetition Defaults

§ 82.3    Nonmonetary Defaults

§ 82.4    Reasonable Time to Cure Defaults

2)  INTEREST AND OTHER CHARGES TO CURE DEFAULTS

§ 83.1    In General: Rake and Contracts before October 22, 1994

§ 83.2    Section 1322(e): Contracts after October 22, 1994

§ 83.3    Rate of Interest to Cure Default: Contracts before October 22, 1994

§ 83.4    Rate of Interest to Cure Default: Contracts after October 22, 1994

§ 83.5    Undersecured Mortgage and Interest to Cure Default

§ 83.6    Late Charges, Attorneys' Fees, Costs and Other Charges

3)  CALCULATING PAYMENTS TO CURE DEFAULT

§ 84.1    In General

§ 84.2    Calculating Plan Payments to Cure Default on Mortgages before October 22, 1994

§ 84.3    Calculating Plan Payments to Cure Default on Mortgages after October 22, 1994

c.  OTHER HOME MORTGAGE ISSUES

§ 85.1    Demand, Matured and Balloon Loans; “Short-Term” Mortgages before October 22, 1994

§ 85.2    Demand, Matured and Balloon Loans; “Short-Term” Mortgages after October 22, 1994

§ 85.3    Prepetition Foreclosure Judgment: Curing Default, Payment in Full or Modification under § 1322(c)(2)?

§ 85.4    Accelerating Payment of a Home Mortgage

§ 85.5    Debts Discharged in Prior Bankruptcy and Nonrecourse Debts

§ 85.6    Direct Payment of Mortgage or Payment by Trustee

E.  PROVIDING FOR UNSECURED CLAIMS

1.  GENERAL RULES BEFORE AND AFTER BAPCPA

§ 86.1    In General

§ 86.2    Less Money after BAPCPA

§ 86.3    What Claims Are Unsecured Claims?

§ 86.4    What Claims Are Unsecured: The Hanging-Sentence Enigma after BAPCPA

2.  CLASSIFICATION OF UNSECURED CLAIMS BEFORE AND AFTER BAPCPA

§ 87.1    Power to Classify Unsecured Claims: Tests for Unfair Discrimination

§ 87.2    Classification after BAPCPA

§ 87.3    Co-signed Debts

§ 87.4    Priority Claims

§ 87.5    Priority Claims after BAPCPA

§ 87.6    Pension Loan Repayment: § 1322(f) after BAPCPA

§ 87.7    910-Day PMSI Car Claims after BAPCPA: A Reprise

a.  NONDISCHARGEABLE CLAIMS

§ 88.1    In General

§ 88.2    Nondischargeable Claims after BAPCPA

§ 88.3    Postpetition Interest on Nondischargeable Claims after BAPCPA: § 1322(b)(10)

§ 88.4    Alimony, Maintenance and Support

§ 88.5    Domestic Support Obligations Assigned or Payable to Government: § 1322(a)(4) after BAPCPA

§ 88.6    Student Loans

§ 88.7    Restitution, Fines and Other Criminal Problems

§ 88.8    Driving, Boating or Flying while Intoxicated

§ 88.9    Long-Term Debts

§ 88.10    Claims That Are or Might Be Nondischargeable Only in a Chapter 7 (Chapter 12, or Individual Chapter 11) Case

b.  OTHER CLASSIFICATIONS

§ 89.1    Direct Payments by Debtor

§ 89.2    Medical Providers

§ 89.3    Landlords and Lessors

§ 89.4    Suppliers or Other Business-Related Creditors

§ 89.5    To Satisfy an Objecting Unsecured Claim Holder

§ 89.6    Contingent and Unliquidated Claims

§ 89.7    Based on the Size of the Claim

§ 89.8    Postpetition Claims

§ 89.9    Miscellaneous Classes of Unsecured Claims

§ 89.10    A Proposal: Simpler Rules for Classification of Unsecured Claims

3.  BEST-INTERESTS-OF-CREDITORS TEST: BEFORE AND AFTER BAPCPA

§ 90.1    In General: Plan Payments vs. Hypothetical Liquidation

§ 90.2    Exemption Issues

§ 90.3    Exclusions and Exemptions after BAPCPA

§ 90.4    Nondischargeable Claims, Guaranteed Claims and Tardy Claims

§ 90.5    Discount Rates and Interest If Liquidation Would Produce Dividend

§ 90.6    Discount Rates and Interest after BAPCPA

4.  PROJECTED DISPOSABLE INCOME TEST: BEFORE BAPCPA

§ 91.1    In General

§ 91.2    Projected (Disposable) Income

§ 91.3    Reasonably Necessary for Maintenance or Support

§ 91.4    Debtor or Dependent

§ 91.5    Counting the Three-Year Period

§ 91.6    Debtor Engaged in Business

§ 91.7    Payment-in-Full Option

5.  PROJECTED DISPOSABLE INCOME TEST: AFTER BAPCPA

§ 92.1    In General

§ 92.2    Projected Disposable Income: All Debtors

§ 92.3    Current Monthly Income: The Baseline

§ 92.4    Household Size and Comparison of CMI to Median Family Income: § 1325(b)(3)

a.  CMI LESS THAN MEDIAN FAMILY INCOME: “AMOUNTS REASONABLY NECESSARY TO BE EXPENDED—”

§ 93.1    Section 1325(b)(2)(A) and (B): “Amounts Reasonably Necessary to Be Expended—” When CMI Is Less Than Median Family Income

b.  CMI GREATER THAN MEDIAN FAMILY INCOME: “AMOUNTS REASONABLY NECESSARY TO BE EXPENDED—”

1)  GENERAL CONSIDERATIONS

§ 94.1    Big Picture: Too Many Issues

§ 94.2    Netting Issues, Including Exclusion of Payments for Debts

§ 94.3    Accounting for Spouses

2)  MONTHLY EXPENSES: § 707(b)(2)(A)(ii)

§ 95.1    In General

§ 95.2    National Standards

§ 95.3    Local Standards: Housing and Transportation

§ 95.4    Other [Necessary] Expenses—In General; All Categories

§ 95.5    Other [Necessary] Expenses—Accounting and Legal Fees

§ 95.6    Other [Necessary] Expenses—Charitable Contributions

§ 95.7    Other [Necessary] Expenses—Child Care

§ 95.8    Other [Necessary] Expenses—Court-Ordered Payments

§ 95.9    Other [Necessary] Expenses—Dependent Care

§ 95.10    Other [Necessary] Expenses—Education

§ 95.11    Other [Necessary] Expenses—Health Care

§ 95.12    Other [Necessary] Expenses—Involuntary Deductions

§ 95.13    Other [Necessary] Expenses—Life Insurance

§ 95.14    Other [Necessary] Expenses—Secured or Legally Perfected Debts

§ 95.15    Other [Necessary] Expenses—Unsecured Debts

§ 95.16    Other [Necessary] Expenses—Taxes

§ 95.17    Other [Necessary] Expenses—Optional Telephones and Services

§ 95.18    Other [Necessary] Expenses—Student Loans

§ 95.19    Other [Necessary] Expenses—Internet Provider/E-mail

§ 95.20    Other [Necessary] Expenses—Repayment of Loans to Pay Federal Taxes

§ 95.21    Health and Disability Insurance

§ 95.22    Family Violence Expenses

§ 95.23    Five Percent More Food and Clothing

§ 95.24    Elderly, Ill or Disabled

§ 95.25    Administrative Expenses, Sorta

§ 95.26    Education Expenses

§ 95.27    Home Energy Costs

§ 95.28    ABLE Program Contributions

3)  MONTHLY PAYMENTS OF SECURED DEBTS: § 707(b)(2)(A)(iii)

§ 96.1    Average Monthly Payments on Account of Secured Debts

4)  PAYMENT OF ALL PRIORITY CLAIMS: § 707(b)(2)(A)(iv)

§ 97.1    Total Priority Debts and Divide by 60

5)  SPECIAL CIRCUMSTANCES: § 707(b)(2)(B)

§ 98.1    Additional Expenses or Adjustments to CMI

c.  DEDUCTIONS FROM CMI FOR ALL DEBTORS

§ 99.1    In General

§ 99.2    Amounts Paid by Others under § 101(10A)(B)

§ 99.3    Child Support, Foster Care and Disability Payments

§ 99.4    Pension Loan Repayments

§ 99.5    Employee Benefit Plan Contributions

§ 99.6    § 1325(b)(2)(A)(ii): Charitable Contributions (Again?)

d.  APPLICABLE COMMITMENT PERIOD—ALL DEBTORS

§ 100.1    Applicable Commitment Period Calculation

6.  MISCELLANEOUS UNSECURED CLAIMS ISSUES

§ 101.1    What Do Unsecured Creditors Get?

§ 101.2    Good Faith toward Unsecured Claim Holders?

§ 101.3    Methods of Paying Unsecured Claims

§ 101.4    Curing Default and Maintaining Payments on Unsecured Debt

F.  LEASES, RENTAL AGREEMENTS AND OTHER EXECUTORY CONTRACTS

§ 102.1    Debtor Can Assume, Assign or Reject Executory Contracts

§ 102.2    Debtor Must Cure Defaults and Assure Future Performance

§ 102.3    Leases and Executory Contracts after BAPCPA

§ 102.4    Nonresidential Lease of Real Property

§ 102.5    Rejection Generates Unsecured Claim

§ 102.6    Lessor Can Demand Adequate Protection

§ 102.7    Lessor Can Accelerate Assumption or Rejection

§ 102.8    Fake Leases and Rental Agreements

§ 102.9    Land Sales Contracts and Contracts to Make a Deed

§ 102.10    When Purpose of Plan Is to Deal with an Unfavorable Contract or Lease

G.  GOOD FAITH: BEFORE AND AFTER BAPCPA

1.  GOOD FAITH BEFORE BAPCPA

§ 103.1    In General

a.  FACTORS APPROACH

§ 104.1    In General

§ 104.2    Frequency of Filing Bankruptcy—Chapter 20 and Beyond

§ 104.3    Accuracy of Petition, Schedules, Statement and Testimony

§ 104.4    Burden of Administration

1)  MOTIVATION IN FILING

§ 105.1    Prepetition Conduct and Misconduct—In General

§ 105.2    Prepetition Transfers and Transactions

§ 105.3    Filing on the Eve of Whatever

2)  NONDISCHARGEABLE DEBTS

§ 106.1    In General

§ 106.2    Criminal Misconduct

§ 106.3    Alimony, Maintenance and Support

§ 106.4    Student Loans

§ 106.5    Separate Classification of Nondischargeable Claims and Good Faith

3)  NATURE OF FINANCIAL PROBLEMS

§ 107.1    Greed, Not Need

§ 107.2    Executory Contracts

§ 107.3    Tax Problems

§ 107.4    Payment of Attorney Fees

§ 107.5    Special Circumstances: The Unusually Worthy or Needy Debtor

4)  DEGREE OF EFFORT

§ 108.1    Economic Components of Good Faith—In General

§ 108.2    Duration of Plan

§ 108.3    Percentage of Payment

§ 108.4    Income, Expenses, Lifestyle and Luxuries

b.  THE GENERIC APPROACHES TO GOOD FAITH

§ 109.1    Smell Tests

2.  GOOD FAITH AFTER BAPCPA

§ 110.1    Good-Faith Filing Requirement after BAPCPA

§ 110.2    Good-Faith Plans after BAPCPA

H.  FEASIBILITY

§ 111.1    Able to Make Payments and Comply with Plan

§ 111.2    Feasibility Turned on Its Head after BAPCPA

I.  LENGTH OF PLAN

§ 112.1    General Rule: Three Years, More or Less

§ 112.2    Length of Plan after BAPCPA

§ 112.3    How to Calculate the Length of the Plan

§ 112.4    Cause for Extension beyond Three Years

§ 112.5    Payment of Claims beyond Length of Plan

J.  MISCELLANEOUS PLAN PROVISIONS AND CONFIRMATION CONSIDERATIONS

§ 113.1    Plan Complies with Bankruptcy Code

§ 113.2    Filing Fee Payment Requirement

§ 113.3    Domestic Support Obligations Must Be Current

§ 113.4    All Tax Returns Must Be Filed

§ 113.5    Submission of Future Income

§ 113.6    Providing for Postpetition Claims

§ 113.7    Order of Payments to Creditors before BAPCPA

§ 113.8    Order of Payments to Creditors after BAPCPA

§ 113.9    Special Drafting Considerations for Debtor Engaged in Business

§ 113.10    Special Drafting Considerations for Debtor with Seasonal or Irregular Income

§ 113.11    Retention of Property of the Estate: Overcoming 11 U.S.C. § 1327(b)

§ 113.12    Miscellaneous Objections to Confirmation

§ 113.13    Miscellaneous Confirmation Issues Added by BAPCPA

K.  PRECONFIRMATION MODIFICATION OF PLAN

§ 114.1    Timing, Procedure and Form

§ 114.2    To Correct Errors in Original Plan

§ 114.3    To Reflect Changed Circumstances

§ 114.4    To Deal with Objections to Original Plan

§ 114.5    To Provide for Postpetition Creditors

§ 114.6    Effect of Preconfirmation Modification on Prior Acceptance or Rejection of the Plan

§ 114.7    Opposing a Preconfirmation Modification of the Plan

L.  CONFIRMATION PRACTICE AND PROCEDURE

1.  HEARING ON CONFIRMATION

§ 115.1    Timing of Hearing on Confirmation before BAPCPA

§ 115.2    Timing of Hearing on Confirmation after BAPCPA

§ 115.3    Burden of Proof

§ 115.4    Discovery and Preparation for Confirmation Hearing

2.  OBJECTING TO CONFIRMATION

§ 116.1    Standing to Object

§ 116.2    Time for Filing Objections

§ 116.3    Time for Filing Objections after BAPCPA

§ 116.4    Form of Objection

3.  CHALLENGING THE GRANT OR DENIAL OF CONFIRMATION

§ 117.1    Too Many Choices

§ 117.2    Relief from Confirmation Order: Bankruptcy Rules 9023 and 9024

§ 117.3    Revocation of Confirmation

§ 117.4    Appeal of Grant or Denial of Confirmation

§ 117.5    Appeal of Grant or Denial of Confirmation after BAPCPA

PART 6:  POSTCONFIRMATION PRACTICE

§ 118.1    Summary of Part 6

A.  STATUTES AND RULES DISCUSSED IN PART 6

§ 119.1    11 U.S.C. § 1325(c): Income Deduction Orders

§ 119.2    11 U.S.C. § 1327: Effects of Confirmation

§ 119.3    11 U.S.C. § 1329: Modification after Confirmation

§ 119.4    Bankruptcy Rule 1016: Death or Incompetency of Debtor

§ 119.5    Bankruptcy Rule 2002(a)(5): Notice of Plan Modification

§ 119.6    Bankruptcy Rule 4001: Stay Relief Procedure

B.  EFFECTS OF CONFIRMATION

1.  POWERFUL STATUTORY EFFECTS

§ 120.1    11 U.S.C. § 1327: Overview

§ 120.2    11 U.S.C. § 1327(a): Binding Effect on Creditors and Debtors

§ 120.3    11 U.S.C. § 1327(b): Vesting Effect on Property of Estate

§ 120.4    11 U.S.C. § 1327(c): Free and Clear Effect on Liens

§ 120.5    Effects of Confirmation after BAPCPA

2.  LIMITATIONS ON EFFECTS OF CONFIRMATION

§ 121.1    Overview

§ 121.2    Notice and Due Process Considerations, Including Claims Allowance and Valuation

§ 121.3    Failure to Provide For

§ 121.4    Other Limitations

3.  SPECIAL EFFECTS OF CONFIRMATION

§ 122.1    Tax Refunds

§ 122.2    Windfalls, Inheritances, Lotteries and the Like

§ 122.3    Loss, Destruction or Surrender of Property after Confirmation

§ 122.4    Effects of Confirmation on Postpetition Claims

C.  REPRESENTING CREDITORS AFTER CONFIRMATION

1.  PROBLEMS WITH THE PLAN

§ 123.1    What to Do If Creditor Is Not Receiving Payments

§ 123.2    What to Do If Debtor Defaults

§ 123.3    What to Do If Debtor’s Financial Condition Improves

§ 123.4    Representing a Postpetition Claim Holder

2.  POSTCONFIRMATION STAY RELIEF PRACTICE

§ 124.1    Procedure

§ 124.2    Confirmation as a Defense to Relief from the Stay

§ 124.3    Does Confirmation Dissolve the Stay?

§ 124.4    Postconfirmation Default and Relief from the Stay

§ 124.5    Postpetition Claims and Relief from the Stay

§ 124.6    Alimony and Support Collection after Confirmation

§ 124.7    Effect of Failure to File Proof of Claim on Postconfirmation Relief from the Stay

D.  INCOME DEDUCTION ORDERS

§ 125.1    Order to Debtor’s Employer

§ 125.2    Can Employer Charge a Fee?

§ 125.3    Direct-Pay Orders

§ 125.4    Changing Employers or Source of Income

§ 125.5    Modification and Suspension of Income Deduction Orders

§ 125.6    Failure to Deduct or Remit

§ 125.7    Special Deduction Order Problems: Entitlements, Pensions and Government Employers

E.  MODIFICATION OF PLAN AFTER CONFIRMATION

1.  PROCEDURE AND STANDARDS FOR MODIFIED PLAN

§ 126.1    Standing, Timing and Procedure

§ 126.2    Application of Tests for Confirmation

§ 126.3    Does Disposable Income Test Apply?

§ 126.4    Duration of Modified Plan

§ 126.5    Changed-Circumstances Requirement?

§ 126.6    Modification after Confirmation after BAPCPA

2.  SPECIFIC MODIFICATIONS

§ 127.1    To Suspend Payments

§ 127.2    To Cure Postconfirmation Default

§ 127.3    To “Add” Prepetition Creditors

§ 127.4    To Provide for Postpetition Claims

§ 127.5    To Incur New Debt

§ 127.6    To Sell or Refinance Property of the Estate

§ 127.7    To Surrender Collateral, Account for Repossession or Change the Treatment of a Secured Claim

§ 127.8    To Decrease Payments to Creditors

§ 127.9    To Increase Payments to Creditors

§ 127.10    To Account for Payments Other Than under the Plan

§ 127.11    To Extend or Reduce the Time for Payments

F.  MISCELLANEOUS POSTCONFIRMATION ISSUES

§ 128.1    Death or Incompetency of Debtor

PART 7:  CLAIMS

§ 129.1    Summary of Part 7

A.  STATUTES AND RULES DISCUSSED IN PART 7

§ 130.1    11 U.S.C. § 501: Filing Proofs of Claim

§ 130.2    11 U.S.C. § 502: Allowance and Disallowance of Claims

§ 130.3    11 U.S.C. § 503: Administrative Expenses

§ 130.4    11 U.S.C. § 506: Extent of Secured Claims

§ 130.5    11 U.S.C. § 507: Priority Claims

§ 130.6    11 U.S.C. § 1305: Postpetition Claims

§ 130.7    Bankruptcy Rule 3001: Proofs of Claim

§ 130.8    Bankruptcy Rule 3002: Filing of Proofs of Claim

§ 130.9    Bankruptcy Rule 3004: Filing of Claims by Debtor or Trustee

§ 130.10    Bankruptcy Rule 3007: Objections to Claims

§ 130.11    Bankruptcy Rule 3012: Valuation of Security

§ 130.12    Bankruptcy Rule 5005: Filing of Papers

B.  PROCEDURE, TIMING AND FORM

1.  FORM AND FILING OF PROOF OF CLAIM

§ 131.1    Official Bankruptcy Form 410 and Variations

§ 131.2    Official Form 410 after BAPCPA

§ 131.3    Bankruptcy Rule 3002.1: Mortgage Management after 2011

§ 131.4    Informal Proofs of Claim: Letters, Motions, Pleadings and Conversations

§ 131.5    Is a Plan Provision a Proof of Claim?

2.  WHO SHOULD FILE PROOFS OF CLAIM AND WHEN?

§ 132.1    1994 Code Amendments Changed the Rules

§ 132.2    In General: Filing is Required for Allowance

§ 132.3    Governmental Units

§ 132.4    Unsecured Claims

§ 132.5    Partially Secured Claims

§ 132.6    Priority Claims, Including Requests for Payment of Administrative Expenses

§ 132.7    Secured Claim Holders

§ 132.8    910-Day PMSI Car Claims: Epilogue

§ 132.9    Postpetition Claims

3.  ENLARGEMENT OF AND EXCEPTIONS TO 90-DAY AND 180-DAY BARS

§ 133.1    General Rules: No Enlargement or Exceptions, Except . . .

§ 133.2    Unscheduled Creditors before BAPCPA

§ 133.3    Unscheduled Creditors after BAPCPA

§ 133.4    Amended Claims

§ 133.5    Tax Claim Exception after BAPCPA

4.  FILING OF PROOFS OF CLAIM BY DEBTOR OR TRUSTEE

§ 134.1    Timing, Form, Superseding and Amended Claims before 2005

§ 134.2    Filing of Claims by Debtor or Trustee after 2005 Amendments to Bankruptcy Rule 3004

§ 134.3    Strategic Considerations: When to File Claims for Creditors

C.  ALLOWANCE AND OBJECTIONS TO CLAIMS

§ 135.1    Timing, Procedure and Evidence Presumption

§ 135.2    Allowance and Objections to Claims: Changes by BAPCPA

§ 135.3    Documentation and Assigned Claims

§ 135.4    Reconsideration of Claims

§ 135.5    Failure to File Proof of Claim

§ 135.6    Untimely Filed Claims in Cases Filed before October 22, 1994: The Hausladen Phenomenon

§ 135.7    Untimely Filed Claims in Cases Filed after October 22, 1994

D.  PRIORITY CLAIMS AND ADMINISTRATIVE EXPENSES

§ 136.1    Treatment of Priority Claims

§ 136.2    Taxes before BAPCPA

§ 136.3    Taxes after BAPCPA

§ 136.4    Trustees’ Fees and Expenses before BAPCPA

§ 136.5    Trustees’ Fees and Expenses after BAPCPA

§ 136.6    Debtors’ Attorneys’ Fees before BAPCPA

§ 136.7    Debtors’ Attorneys’ Fees after BAPCPA

§ 136.8    Utilities before BAPCPA

§ 136.9    Utilities after BAPCPA

§ 136.10    Leases and Executory Contracts before BAPCPA

§ 136.11    Leases and Executory Contracts after BAPCPA

§ 136.12    Failed Adequate Protection before BAPCPA

§ 136.13    Failed Adequate Protection after BAPCPA

§ 136.14    Miscellaneous Administrative Expenses and Priority Claims before BAPCPA

§ 136.15    Miscellaneous Administrative Expenses and Priority Claims after BAPCPA

§ 136.16    Postpetition Interest on Priority Claims before BAPCPA

§ 136.17    Postpetition Interest on Priority Claims after BAPCPA

§ 136.18    Secured Priority Claims before BAPCPA

§ 136.19    Secured Priority Claims after BAPCPA

§ 136.20    Alimony, Maintenance and Support in Cases Filed after October 22, 1994

§ 136.21    Domestic Support Obligations after BAPCPA

§ 136.22    Driving or Boating while Intoxicated Priority after BAPCPA

E.  POSTPETITION CLAIMS

§ 137.1    Postpetition Claims before BAPCPA

§ 137.2    Postpetition Claims after BAPCPA

F.  MISCELLANEOUS CLAIMS QUESTIONS

§ 138.1    Alimony, Maintenance and Support in Cases Filed before October 22, 1994

§ 138.2    Claims for Creditors’ Attorneys’ Fees

§ 138.3    Creditors’ Attorneys’ Fees: New Recovery Rights after BAPCPA

§ 138.4    Nonrecourse Claims and Claims Discharged in Prior Bankruptcy Case

§ 138.5    Truth-in-Lending and Other Consumer Protection Statutes

§ 138.6    U.C.C. and Other Commercial Law Questions

§ 138.7    Miscellaneous Claims Issues

§ 138.8    Mortgage Claim Issues

§ 138.9    Claim Reduction under § 502(k) after BAPCPA

§ 138.10    Chapter 7 Trustee Compensation: § 1326(b)(3) after BAPCPA

PART 8:  CONVERSION AND DISMISSAL

§ 139.1    Summary of Part 8

§ 139.2    BAPCPA: More Grounds; Changed Consequences

A.  STATUTES AND RULES DISCUSSED IN PART 8

§ 140.1    11 U.S.C. § 1307: Conversion and Dismissal

§ 140.2    11 U.S.C. § 706: Conversion to Chapter 13

§ 140.3    11 U.S.C. § 1112(d): Conversion to Chapter 13

§ 140.4    11 U.S.C. § 348: Effects of Conversion

§ 140.5    11 U.S.C. § 349: Effects of Dismissal

§ 140.6    Bankruptcy Rule 1017: Procedure for Conversion or Dismissal

§ 140.7    Bankruptcy Rule 1019: New Lists, Reports and So Forth

B.  CONVERSION TO CHAPTER 7

1.  PROCEDURE AND GROUNDS FOR CONVERSION

§ 141.1    Conversion by Debtor

§ 141.2    Conversion on Request of Creditor or Trustee

§ 141.3    Cause for Conversion

§ 141.4    Cause for Conversion Added or Changed by BAPCPA

§ 141.5    Conversion Sua Sponte

§ 141.6    Automatic Conversion: The “Drop Dead” Clause

2.  EFFECTS OF CONVERSION

a.  IN GENERAL

§ 142.1    New Schedules, Statement, Meeting of Creditors and Deadlines

§ 142.2    Deadlines and Filing Requirements at Conversion after BAPCPA

§ 142.3    Application of § 707(b) Abuse Test at Conversion

§ 142.4    Notice Issues under § 342 at Conversion

§ 142.5    On Postpetition Claims

§ 142.6    On Relief from Stay

b.  ON ENTITLEMENT TO POSTPETITION PROPERTY

§ 143.1    In Cases Filed before October 22, 1994

§ 143.2    In Cases Filed after October 22, 1994

§ 143.3    Payments Held by Chapter 13 Trustee at Conversion: § 1326(a)(2) after BAPCPA

§ 143.4    Priorities after Conversion: Two Trustees and a DSO

§ 143.5    Bad-Faith Conversion

c.  ON EXEMPTIONS AND LIEN AVOIDANCE

§ 144.1    Exemptions at Conversion

§ 144.2    Lien Avoidance at Conversion

d.  ON SECURED CLAIMS

§ 145.1    In Cases Filed before October 22, 1994

§ 145.2    In Cases Filed after October 22, 1994

§ 145.3    Lienholders’ Rights at Conversion under § 348(f) after BAPCPA

C.  CONVERSION TO CHAPTER 11

§ 146.1    Standing, Procedure and Grounds for Conversion to Chapter 11

§ 146.2    Strategic Considerations: Costs and Benefits of Conversion to Chapter 11

§ 146.3    Incentives to Convert to Chapter 11 after BAPCPA

D.  CONVERSION TO CHAPTER 12

§ 147.1    Standing, Procedure and Strategic Considerations

§ 147.2    Incentives to Convert to Chapter 12 after BAPCPA

E.  CONVERSION TO CHAPTER 13

1.  CONVERSION FROM CHAPTER 7 TO CHAPTER 13

§ 148.1    Procedure

§ 148.2    Absolute Right of Debtor?

§ 148.3    Effects of Conversion from Chapter 7 to Chapter 13

§ 148.4    Conversion to Chapter 13 after BAPCPA

2.  CONVERSION FROM OTHER CHAPTERS TO CHAPTER 13

§ 149.1    Conversion from Chapter 11 to Chapter 13

§ 149.2    Conversion from Chapter 12 to Chapter 13

3.  RECONVERSION TO CHAPTER 13

§ 150.1    Reconversion from Chapter 7 or Chapter 11 to Chapter 13

§ 150.2    Reconversion to Chapter 13 after BAPCPA

F.  DISMISSAL

1.  DISMISSAL BY DEBTOR

§ 151.1    Procedure, Timing and Form

§ 151.2    Absolute Right of Debtor?

§ 151.3    Strategic Considerations: Consequences of Voluntary Dismissal

2.  DISMISSAL ON REQUEST OF PARTY IN INTEREST

§ 152.1    Procedure, Timing and Form

§ 152.2    Cause for Dismissal—In General

§ 152.3    Cause for Dismissal Added or Changed by BAPCPA

§ 152.4    Cause for Dismissal, Including Bad-Faith, Multiple and Abusive Filings

§ 152.5    Cause Not Found

§ 152.6    Strategic Considerations

§ 152.7    Sua Sponte Dismissal

3.  EFFECTS OF DISMISSAL

§ 153.1    In General

§ 153.2    Consequences of Dismissal Added or Changed by BAPCPA

§ 153.3    Court-Imposed Conditions and Restrictions on Dismissal

§ 153.4    Reinstatement after Dismissal

PART 9:  DISCHARGE

§ 154.1    Summary of Part 9

A.  STATUTES AND RULES DISCUSSED IN PART 9

§ 155.1    11 U.S.C. § 523: Exceptions to Discharge

§ 155.2    11 U.S.C. § 524: Effects of Discharge and Discharge Hearing

§ 155.3    11 U.S.C. § 1328: Discharge

§ 155.4    Bankruptcy Rule 1016: Death or Incompetency of Debtor

§ 155.5    Bankruptcy Rule 4007: Time for Filing Complaint Objecting to Dischargeability

§ 155.6    Bankruptcy Rule 4008: Discharge Hearing

B.  TIMING AND PROCEDURE CONSIDERATIONS: BEFORE AND AFTER BAPCPA

§ 156.1    Timing and Procedure for Discharge and Objecting to Discharge

§ 156.2    Limitations on Successive Discharges

§ 156.3    Time for Determining Dischargeability of Debt

§ 156.4    Domestic Support Obligation Certification

§ 156.5    Instructional Course Requirement

§ 156.6    Delay of Discharge: § 522(q)(1) and Pending Proceedings

C.  DISCHARGE AFTER COMPLETION OF ALL PAYMENTS

1.  FULL-PAYMENT DISCHARGE

§ 157.1    Broadest Discharge Available

§ 157.2    BAPCPA Shrank the Discharge

§ 157.3    Completion of Payments after BAPCPA

2.  EXCEPTIONS TO FULL-PAYMENT DISCHARGE BEFORE BAPCPA

§ 158.1    Alimony, Maintenance or Support

§ 158.2    Student Loans

§ 158.3    Driving while Intoxicated

§ 158.4    Criminal Restitution and Criminal Fines

§ 158.5    Claims Not Provided for by the Plan or Disallowed under § 502

§ 158.6    Postpetition Claims

§ 158.7    Long-Term Debts

3.  EXCEPTIONS TO FULL-PAYMENT DISCHARGE ADDED OR CHANGED BY BAPCPA

§ 159.1    Taxes

§ 159.2    False Representations and Fraud: § 523(a)(2)

§ 159.3    Fraud and Defalcation: § 523(a)(4)

§ 159.4    Unscheduled Creditors: § 523(a)(3)

§ 159.5    Domestic Support Obligations: § 523(a)(5)

§ 159.6    Student Loans: § 523(a)(8)

§ 159.7    Willful or Malicious Injury: § 1328(a)(4)

§ 159.8    Boating or Flying while Intoxicated: § 523(a)(9)

§ 159.9    Chapter 7 Trustee Compensation: § 1326(d)

D.  HARDSHIP DISCHARGE: DISCHARGE BEFORE COMPLETION OF ALL PAYMENTS

§ 160.1    In General

§ 160.2    Timing, Filing and Procedural Considerations

§ 160.3    Circumstances for Which the Debtor Should Not Justly Be Held Accountable

§ 160.4    Best-Interests-of-Creditors Test

§ 160.5    Modification Is Not Practicable

§ 160.6    Exceptions to Hardship Discharge before BAPCPA

§ 160.7    Exceptions to Hardship Discharge Added or Changed by BAPCPA

E.  WAIVER AND REVOCATION OF DISCHARGE

§ 161.1    Waiver of Discharge

§ 161.2    Revocation of Discharge and Relief from Discharge Order

F.  EFFECTS OF DISCHARGE

§ 162.1    In General, Including Discharge Hearing and Discharge Injunction

§ 162.2    Discharge Injunction and § 524(i) after BAPCPA

§ 162.3    On Liens

§ 162.4    Effects of Discharge on Liens after BAPCPA

§ 162.5    On Administrative Expenses

§ 162.6    Reopening Closed Cases


 

Appendices
Appendix 1 (B): Chapter 13 of the Bankruptcy Code (current as of April 1, 2016)
Appendix 2 (EE): Chapter 13 as Amended by BAPCPA (Blacklined)
Appendix 3 (AA): Section-by-Section Analysis of Chapter 13 After BAPCPA
Appendix 4 (P): Legislative History of BAPCPA
Appendix 5 (BB): Selected BAPCPA Changes Affecting Consumer Bankruptcy Practice (“Fly Over”)
Appendix 6 (FF): Nine Sections You Should Read (Blacklined)
Appendix 7 (Q): Signing Statement of President Bush
Appendix 8 (Z): Individual Chapter 11 After BAPCPA
Appendix 9 (R): Post-BAPCPA Amendments to Bankruptcy Code
Appendix 10 (S): Bankruptcy Technical Corrections Act of 2010
Appendix 11 (QQ): Interim Rules of Bankruptcy Procedure (August 2005)
Appendix 12 (CC): Interim Rules of Bankruptcy Procedure (October 11, 2005)
Appendix 13 (DD): Revised Interim Rules of Bankruptcy Procedure (October 13, 2005)
Appendix 14 (H): Chapter 13 Bankruptcy Questionnaire
Appendix 15 (A): Checklist of Things to Tell a Potential Chapter 13 Debtor
Appendix 16 (G): What You Should Know About Your Chapter 13
Appendix 17 (C): Voluntary Petition for Individuals Filing for Bankruptcy (Official Form 101) (12/17)
Appendix 18 (II): Voluntary Petition (Official Form 1) (12/08)
Appendix 19 (NNN): Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Director's Form 2010) (12/15)
Appendix 20 (YY): Application for Individuals to Pay the Filing Fee in Installments (Official Form 103A) (12/15)
Appendix 21 (WW): Initial Statement About an Eviction Judgment Against You (Official Form 101A) (12/15)
Appendix 22 (XX): Statement About Payment of an Eviction Judgment Against You (Official Form 101B) (12/15)
Appendix 23 (HH): Director's Tax Return Guidance (September 27, 2005)
Appendix 24 (D): Chapter 13 Statement of Your Current Monthly Income and Calculation of Commitment Period (Official Form 122C-1) (12/15)
Appendix 25 (UU): Chapter 13 Calculation of Your Disposable Income (Official Form 122C2) (04/16)
Appendix 26 (E): Chapter 13 Calculation of Your Disposable Income (Official Form 122C-2) (12/15)
Appendix 27 (TT): Chapter 13 Statement of Your Current Monthly Income and Calculation of Commitment Period (Official Form B22C1) (12/14)
Appendix 28 (VV): Chapter 13 Calculation of Your Disposable Income (Official Form B22C2) (12/14)
Appendix 29 (X): Chapter 13 Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income (Official Form 22C) (04/13)
Appendix 30 (W): Chapter 13 Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income (Official Form 22C) (12/10)
Appendix 31 (LL): Bankruptcy Petition Preparer's Notice, Declaration and Signature (Official Form 22C) (01/08)
Appendix 32 (V): Chapter 13 Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income (Official Form 22C) (10/06)
Appendix 33 (U): Statement of Current Monthly Income and Disposable Income Calculation (Official Form B22C) (Revised) (10/05)
Appendix 34 (T): Statement of Current Monthly Income and Disposable Income Calculation (Official Forms B22C and B22C (Alt)) (10/05)
Appendix 35 (AAA): Summary of Your Assets and Liabilities and Certain Statistical Information (Official Form 106Sum) (12/15)
Appendix 36 (BBB): Schedules A/B: Property (Official Form 106A/B) (12/15)
Appendix 37 (CCC): Schedule C: The Property You Claim as Exempt (Official Form 106C) (04/16)
Appendix 38 (DDD): Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D) (12/15)
Appendix 39 (EEE): Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F) (12/15)
Appendix 40 (FFF): Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G) (12/15)
Appendix 41 (GGG): Schedule H: Your Codebtors (Official Form 106H) (12/15)
Appendix 42 (HHH): Schedule I: Your Income (Official Form 106I) (12/15)
Appendix 43 (III): Schedule J: Your Expenses (Official Form 106J) (12/15)
Appendix 44 (JJJ): Schedule J-2: Expenses for Separate Household of Debtor 2 (Official Form 106J-2) (12/15)
Appendix 45 (JJ): Schedules, Summary and Declaration (Official Form 6) (12/07)
Appendix 46 (KKK): Statement of Financial Affairs for Individuals Filing for Bankruptcy (Official Form 107) (04/16)
Appendix 47 (ZZ): Declaration About an Individual Debtor's Schedules (Official Form 106Dec) (12/15)
Appendix 48 (LLL): Statement About Your Social Security Numbers (Official Form 121) (12/15)
Appendix 49 (UUU): Chapter 13 Plan (Official Form 113) (12/17)
Appendix 50 (GG): Model Plan (BAPCPA) (M.D. Tenn.)
Appendix 51 (SSS): Two-Page Model Chapter 13 Plan with Discussion Paper (2002)
Appendix 52 (Y): Bankruptcy Petition Preparer's Notice, Declaration and Signature (Official Form 119) (12/15)
Appendix 53 (TTT): Disclosure of Compensation of Bankruptcy Petition Preparer (Director's Form 2800) (12/15)
Appendix 54 (RR): Proof of Claim (Official Form 410) (04/16)
Appendix 55 (NN): Mortgage Proof of Claim Attachment (Official Form 410A) (12/15)
Appendix 56 (SS): Notice of Postpetition Mortgage Fees, Expenses and Charges (Official Form 410S2) (12/16)
Appendix 57 (PP): Notice of Postpetition Mortgage Fees, Expenses and Charges (Official Form 410S2) (12/15)
Appendix 58 (OO): Notice of Mortgage Payment Change (Official Form 410S1) (12/15)
Appendix 59 (QQQ): Notice of Final Cure Payment (Director's Form 4100N) (10/15)
Appendix 60 (RRR): Response to Notice of Final Cure Payment (Director's Form 4100R) (10/15)
Appendix 61 (MM): Proof of Claim (Official Form 410) (12/15)
Appendix 62 (OOO): Appearance of Child Support Creditor or Representative (Director's Form 2810) (12/15)
Appendix 63 (KK): Proof of Claim (Official Form 10) (12/08)
Appendix 64 (MMM): Certification About a Financial Management Course (Official Form 423) (12/15)
Appendix 65 (PPP): Chapter 13 Debtor's Certifications Regarding Domestic Support Obligations and Section 522(q) (Director's Form 2830) (04/16)
Appendix 66 (L): Exemption and § 522(f) Lien Avoidance Cases, Organized by Circuit
Appendix 67 (J): Cases Allowing Claim Splitting Before Nobelman, Organized by Circuit
Appendix 68 (K): Cases Prohibiting Claim Splitting Before Nobelman, Organized by Circuit
Appendix 69 (I): Curing Home Mortgage Default, Organized by Circuit
Appendix 70 (M): Wholly Unsecured Mortgage and Modification, Organized by Circuit
Appendix 71 (F): Good-Faith Cases, Organized by Circuit
Appendix 72 (N): Effects of Confirmation, Organized by Circuit
Appendix 73 (O): Cause for Dismissal, Organized by Circuit