Welcome to the Lundin On Chapter 13 Preview!!

Below is the linked table of contents for Lundin On Chapter 13, the long-awaited rewrite and expansion of Chapter 13 Bankruptcy, 4th Ed., and itself the culmination of decades of retired Bankruptcy Judge Keith M. Lundin's experience and insight into all things Chapter 13. Just like Chapter 13, Lundin On Chapter 13 will always be a work in progress and constantly evolving, so check back often!

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 (1 case)

§ 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 (27 cases)

§ 4.2 — Bankruptcy Petition Preparers (25 cases)

§ 4.3 — Section 342: Notice What Didn’t Happen (6 cases)

§ 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 (1 case)

§ 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 (1 case)

§ 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 (7 cases)

§ 9.4 — Burden of Proof in an Eligibility Dispute

§ 9.5 — Consequences of Ineligibility: Jurisdiction; Automatic Stay; Strike, Dismiss or Excuse? (77 cases)

2.  WHO IS ELIGIBLE

§ 10.1 — Debtor Must Be an Individual; Spouses Allowed (22 cases)

§ 10.2 — Sole Proprietorships Are Eligible

§ 10.3 — Corporations Are Not Eligible (3 cases)

§ 10.4 — Partnerships Are Not Eligible

§ 10.5 — Partners and Corporate Owners May Be Eligible (1 case)

§ 10.6 — Partnership and Corporate Debts and Assets May Impact Eligibility (2 cases)

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

§ 10.8 — Eligibility of a Decedent’s Estate (7 cases)

§ 10.9 — Petitions on Behalf of Others: Incompetents, Next Friends, Powers of Attorney and the Like (16 cases)

3.  REGULAR INCOME REQUIREMENT

§ 11.1 — What Is Regular Income? (18 cases)

§ 11.2 — When Must Debtor Have Regular Income? (7 cases)

a.  SOURCES OF REGULAR INCOME

§ 12.1 — Self-Employment (1 case)

§ 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 (2 cases)

§ 12.6 — Disability Benefits; Workers’ Compensation

§ 12.7 — Family Assistance, Welfare and Other Entitlements (2 cases)

§ 12.8 — Unemployment Benefits, Strike Benefits and the Like (1 case)

§ 12.9 — Alimony, Maintenance and Child Support

§ 12.10 — Contributions from Family, Friends, Nonfiling Spouses and Former Spouses; Grants and Awards (17 cases)

§ 12.11 — Income from Leasing, Selling or Liquidating Assets (6 cases)

b.  ABLE TO MAKE PAYMENTS

§ 13.1 — Debtor Must Be Able to Make Payments under a Plan (3 cases)

4.  DEBT LIMITATIONS

a.  IN GENERAL

§ 14.1 — Dollar Amounts (16 cases)

§ 14.2 — Time for Determining Debt (36 cases)

§ 14.3 — Use of Statements and Schedules in Eligibility Calculations (56 cases)

§ 14.4 — Are Claims Split under 11 U.S.C. § 506(a)? (50 cases)

b.  NONCONTINGENT DEBTS ARE COUNTED

§ 15.1 — What Is Noncontingent Debt? (23 cases)

§ 15.2 — Is Partnership Debt Contingent? (2 cases)

§ 15.3 — Are Guaranties Contingent? (18 cases)

§ 15.4 — Are Contract Debts Contingent? (3 cases)

§ 15.5 — Is Tort Liability Contingent? (7 cases)

§ 15.6 — Are Claims through and against Debtor’s Corporation Contingent? (7 cases)

§ 15.7 — Are Prebankruptcy Judgments Contingent? (6 cases)

c.  LIQUIDATED DEBTS ARE COUNTED

§ 16.1 — What Is a Liquidated Debt? (62 cases)

§ 16.2 — Effect of Defenses and Counterclaims (7 cases)

d.  SPECIAL DEBT-COUNTING PROBLEMS

§ 17.1 — Disputed Debts (17 cases)

§ 17.2 — Taxes and Other Priority Claims (9 cases)

§ 17.3 — Joint Obligations of Spouses and Codebtors; Collateral That Is Not Property of the Estate (12 cases)

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

§ 18.1 — In General (6 cases)

a.  PREPETITION BRIEFING

§ 19.1 — What is a Briefing? (10 cases)

§ 19.2 — Timing of Briefing (41 cases)

§ 19.3 — Certificate from NBCCA: 11 U.S.C. § 521(b) (12 cases)

b.  TEMPORARY EXEMPTION FROM PREPETITION BRIEFING

§ 20.1 — In General (3 cases)

§ 20.2 — Timing, Procedure and Form for Certification of Exigent Circumstances (34 cases)

§ 20.3 — Which Circumstances Are Exigent and Which Exigent Circumstances Merit a Waiver? (50 cases)

§ 20.4 — Prepetition Request (50 cases)

§ 20.5 — Briefing after Temporary Exemption (4 cases)

c.  PERMANENT WAIVER OF PREPETITION BRIEFING

§ 21.1 — In General (1 case)

§ 21.2 — Timing, Procedure and Form (5 cases)

§ 21.3 — 11 U.S.C. § 109(h)(2): Inadequate NBCCA Services (1 case)

§ 21.4 — 11 U.S.C. § 109(h)(4): Incapacity, Disability or Active Military Duty (17 cases)

6.  ELIGIBILITY OF REPEAT FILERS

§ 22.1 — Eligibility of a Simultaneous Filer (27 cases)

§ 23.1 — Eligibility of a Serial Filer: “Chapter 20” and Beyond (5 cases)

§ 23.2 — Eligibility of Repeat Filers after BAPCPA (20 cases)

§ 24.1 — Court-Imposed Restrictions on Eligibility to Refile (12 cases)

§ 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 (18 cases)

§ 25.3 — 11 U.S.C. § 109(g)(2)—Voluntary Dismissal after Request for Relief from Stay (38 cases)

E.  REPRESENTING DEBTORS AND CREDITORS BEFORE FILING

1.  GENERAL CONSIDERATIONS

§ 26.1 — Special Problems for Lawyers in Chapter 13 Cases (72 cases)

§ 26.2 — Use of Paralegals and Representatives (11 cases)

§ 26.3 — Prefiling Role of Chapter 13 Trustee

2.  DEBTORS’ COUNSEL

§ 27.1 — Explaining Chapter 13 to a Debtor (2 cases)

§ 27.2 — Explaining Chapter 13 to an Employer

§ 27.3 — Exemption Planning

§ 27.4 — Getting Paid: Attorneys’ Fees for Representing Debtors (21 cases)

3.  CREDITORS’ COUNSEL

§ 28.1 — Prefiling Considerations for Creditors’ Counsel (1 case)

§ 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 (1 case)

§ 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 (1 case)

§ 31.3 — Bills and Coupon Books

§ 31.4 — Loan Documents, Security Instruments and Mortgages

§ 31.5 — Collection Agencies

§ 31.6 — Taxes (1 case)

§ 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 (1 case)

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 (1 case)

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 (9 cases)

§ 36.3 — Caption for Petition

§ 36.4 — List of Creditors and Addresses (2 cases)

§ 36.5 — List of Creditors—DSOs and § 342 Considerations (3 cases)

§ 36.6 — Statement of Social Security Number (2 cases)

§ 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 (6 cases)

§ 36.17 — Statement of Monthly Net Income (3 cases)

§ 36.18 — Statement of Anticipated Increase in Income or Expenditures (1 case)

§ 36.19 — Form 122C-1: Statement of Current Monthly Income (21 cases)

§ 36.20 — Form 122C-1: Commitment Period Calculation (7 cases)

§ 36.21 — Form 122C-2: Disposable Income Calculation (31 cases)

§ 36.22 — Statement of Financial Affairs

§ 36.23 — Statement of Financial Affairs after BAPCPA

§ 36.24 — Plan

§ 36.25 — Briefing Requirement and Certificate (4 cases)

§ 36.26 — Attorney’s Disclosure of Compensation (5 cases)

§ 36.27 — Matrix of Creditors

§ 36.28 — Cover Sheet

§ 36.29 — Application to Pay Filing Fee in Installments (1 case)

§ 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 (2 cases)

§ 36.34 — Record of Education Individual Retirement Account

§ 36.35 — Certification About Eviction Judgment and Rent Deposit (1 case)

§ 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 (21 cases)

§ 37.2 — When to File Petition (2 cases)

§ 37.3 — Timing Considerations after BAPCPA (1 case)

§ 37.4 — Time for Filing Schedules, Statement of Financial Affairs, Plan and Other Documents (3 cases)

§ 37.5 — Filing Fee and Option to Pay in Installments (11 cases)

§ 37.6 — Filing Fees, Installments and Waiver after BAPCPA (9 cases)

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 case)

1.  STATEMENTS AND SCHEDULES

§ 41.1 — Duty to File Statements and Schedules (2 cases)

§ 41.2 — Preconfirmation Amendment of Petition, Statements, Schedules and Lists (4 cases)

2.  FILING AND PROVIDING DUTIES ADDED BY BAPCPA

§ 42.1 — Filing Requirements and Other Duties: A List (2 cases)

§ 42.2 — Consequences of Failure to File Required Information, Including “Automatic Dismissal” (63 cases)

§ 42.3 — Payment Advices (22 cases)

§ 42.4 — Tax Return Duties—In General (1 case)

§ 42.5 — Tax Return Duties Seven Days before First Scheduled Meeting of Creditors (3 cases)

§ 42.6 — Tax Return Duties One Day before First Scheduled Meeting of Creditors (9 cases)

§ 42.7 — Tax Return Duties—On Request (8 cases)

§ 42.8 — Consequences of Failure to File or Provide Tax Returns (26 cases)

§ 42.9 — Tax Return Confidentiality Issues

§ 42.10 — Annual Income and Expense Statement—On Request (5 cases)

§ 42.11 — Audits by U.S. Trustee (1 case)

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 (3 cases)

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

§ 43.5 — Consequences of Failure to Attend Meeting of Creditors (4 cases)

§ 43.6 — Option Not to Convene Meeting of Creditors?

§ 43.7 — Holding Open the Meeting of Creditors (1 case)

§ 43.8 — Representing Creditors at the Meeting of Creditors

4.  DEBTOR MUST COMMENCE MAKING PAYMENTS

§ 44.1 — First Test of Debtor’s Good Intentions (2 cases)

§ 44.2 — Timing and Form of Payment (2 cases)

§ 44.3 — Employer Problems

§ 44.4 — Consequences of Failure to Commence Payments (5 cases)

§ 44.5 — Return of Payments to Debtor (41 cases)

§ 44.6 — Preconfirmation Payments after BAPCPA (9 cases)

§ 44.7 — Disposition of Preconfirmation Payments after BAPCPA (35 cases)

5.  DEBTOR MAY USE, SELL AND LEASE ESTATE PROPERTY

§ 45.1 — Debtor Has Exclusive Possession and Control of Estate Property (44 cases)

a.  PROPERTY OF THE ESTATE

§ 46.1 — What Is Property of the Chapter 13 Estate? (19 cases)

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

§ 46.3 — Postpetition Earnings (7 cases)

§ 46.4 — Prepetition Repossession, Levy, Sale or Conveyance (105 cases)

§ 46.5 — Proceeds, Rents or Profits from Property of the Estate (8 cases)

§ 46.6 — Gifts, Loans and Windfalls (30 cases)

§ 46.7 — Pension Benefits (9 cases)

§ 46.8 — Entitlements Programs (2 cases)

§ 46.9 — Leases and Other Contract Rights (13 cases)

§ 46.10 — Insurance Policies and Proceeds (24 cases)

§ 46.11 — Causes of Action—Including Judicial Estoppel Issues (279 cases)

§ 46.12 — Miscellaneous Real and Personal Property (46 cases)

b.  ADEQUATE PROTECTION BEFORE CONFIRMATION

§ 47.1 — Adequate Protection of Lienholders before Confirmation (6 cases)

§ 47.2 — Preconfirmation Adequate Protection after BAPCPA (23 cases)

6.  EXEMPTIONS

a.  IN GENERAL

§ 48.1 — Available and Important in Chapter 13 Cases (151 cases)

§ 48.2 — BAPCPA and Exemptions (5 cases)

§ 48.3 — Exemptions and Exemption Limitations Added by BAPCPA (18 cases)

§ 48.4 — Timing and Procedure (55 cases)

§ 48.5 — Timing and Procedure Considerations Added by BAPCPA (8 cases)

§ 48.6 — Domicile Rules after BAPCPA (10 cases)

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

§ 49.1 — Available in Chapter 13 Cases (23 cases)

§ 49.2 — Procedure for Lien Avoidance (27 cases)

§ 49.3 — Limitations on Lien Avoidance (79 cases)

§ 49.4 — Section 522(f) after BAPCPA: Household Goods Corrupted (3 cases)

§ 49.5 — Protecting Lienholder after Lien Avoidance (1 case)

7.  AVOIDANCE AND RECOVERY POWERS

§ 50.1 — Turnover of Property (70 cases)

§ 50.2 — Relief from Garnishments (4 cases)

§ 50.3 — Strong-Arm Powers, Statutory Liens, Preferences and Fraudulent Conveyances (139 cases)

§ 50.4 — Avoidance Powers after BAPCPA (1 case)

§ 50.5 — Preferences after BAPCPA (8 cases)

§ 50.6 — Fraudulent Transfers after BAPCPA (6 cases)

§ 50.7 — Postpetition Transfers (6 cases)

8.  MISCELLANEOUS POWERS AND DUTIES

§ 51.1 — Can Debtor Sue and Be Sued? (79 cases)

§ 51.2 — Debtor Must File a Plan (1 case)

§ 51.3 — Assume, Reject or Assign Leases, Rental Agreements and Executory Contracts (8 cases)

§ 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 (2 cases)

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

§ 52.1 — Operating a Chapter 13 Debtor Engaged in Business (10 cases)

§ 52.2 — Additional Filing and Reporting Requirements (1 case)

§ 52.3 — Debtors Engaged in Business after BAPCPA (8 cases)

C.  POWERS, DUTIES AND COMPENSATION OF CHAPTER 13 TRUSTEE

1.  POWERS AND DUTIES

§ 53.1 — Know the Trustee’s Operating Procedures (1 case)

§ 53.2 — Who Will Be the Trustee?

§ 53.3 — Removal and Liability of Trustee (20 cases)

§ 53.4 — Procedure for Removal after BAPCPA (1 case)

§ 53.5 — Advise and Assist Debtor (6 cases)

§ 53.6 — Appear and Be Heard with Respect to Confirmation of a Plan (5 cases)

§ 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 (3 cases)

§ 53.9 — Ensure Debtor Commences Making Timely Payments

§ 53.10 — Make Payments to Creditors Unless Plan or Confirmation Order Provides Otherwise (21 cases)

§ 53.11 — Payments to Creditors before Confirmation (1 case)

§ 53.12 — Avoidance and Recovery Powers (97 cases)

§ 53.13 — Recovery of Overpayments (14 cases)

§ 53.14 — Seek Conversion or Dismissal (2 cases)

§ 53.15 — Review Claims, Object to Claims and File Proofs of Claim (6 cases)

§ 53.16 — Noticing Responsibilities (1 case)

§ 53.17 — § 342 Noticing Issues

§ 53.18 — Audits by U.S. Trustee (2 cases)

§ 53.19 — Trustees’ Role in Debtor Education

§ 53.20 — Trustees’ Final Report

2.  COMPENSATION AND EXPENSES

§ 54.1 — Standard Percentage Fee and Expenses (5 cases)

§ 54.2 — Compensation and Expenses of Chapter 13 Trustee after BAPCPA (4 cases)

§ 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 (2 cases)

§ 54.7 — Compensation on Sale or Transfer of Assets (4 cases)

§ 54.8 — Compensation When Trustee Is Not a Standing Trustee

§ 54.9 — Compensation When Case Is Dismissed or Converted before Confirmation (4 cases)

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 (6 cases)

§ 56.6 — Rights to Documents and Information after BAPCPA (1 case)

3.  ASSERTING CREDITORS’ RIGHTS BEFORE CONFIRMATION

§ 57.1 — Proofs of Claim (1 case)

§ 57.2 — Adequate Protection Rights

§ 57.3 — Preconfirmation Adequate Protection Rights after BAPCPA (6 cases)

§ 57.4 — Preconfirmation Rights of Landlords and Lessors after BAPCPA (2 cases)

§ 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 (1 case)

§ 57.9 — Negotiating for a Secured Claim Holder

§ 57.10 — Negotiating for a Home Mortgage Holder (1 case)

§ 57.11 — Representing an Unsecured Claim Holder

E.  AUTOMATIC STAY AND PRECONFIRMATION RELIEF FROM STAY

1.  EXTENT OF AUTOMATIC STAY

§ 58.1 — Usual Protections (34 cases)

§ 58.2 — BAPCPA Shrank Stay (4 cases)

§ 58.3 — Additional Protection for Postpetition Property and Income (4 cases)

§ 58.4 — Postpetition Creditors (3 cases)

§ 58.5 — Alimony and Support Exception (20 cases)

§ 58.6 — Domestic Support Obligation Exception after BAPCPA (48 cases)

§ 58.7 — Criminal Action or Proceeding Exception (15 cases)

§ 58.8 — Police and Regulatory Power Exception (27 cases)

§ 58.9 — Real Estate, Landlord and In Rem Exceptions after BAPCPA (95 cases)

§ 58.10 — Pension Loans Exception after BAPCPA (1 case)

§ 58.11 — Miscellaneous New Stays and Exceptions after BAPCPA (14 cases)

§ 58.12 — Setoffs and Recoupments (39 cases)

§ 58.13 — Termination of Services to Debtor and Discrimination against Debtor (22 cases)

§ 58.14 — Expiration of Stay (38 cases)

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

§ 59.1 — In General (6 cases)

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

§ 60.1 — When Does § 362(c)(3) Apply? (38 cases)

§ 60.2 — Which Stays Terminate? (62 cases)

§ 60.3 — Timing, Procedure and Form for Extension of Stay (94 cases)

§ 60.4 — (Rebuttable) Presumption of Lack of Good Faith (50 cases)

§ 60.5 — Proof of Good Faith (98 cases)

b.  11 U.S.C. § 362(c)(4): NO STAY

§ 61.1 — When Does § 362(c)(4) Apply? (44 cases)

§ 61.2 — Procedure, Timing and Form for Imposing Stay (21 cases)

§ 61.3 — (Rebuttable) Presumption of Lack of Good Faith (14 cases)

§ 61.4 — Proof of Good Faith (34 cases)

3.  VIOLATION OF STAY AND REMEDIES

§ 62.1 — Examples of Stay Violations, and Not (546 cases)

§ 62.2 — What Court? (9 cases)

§ 62.3 — Sanctions or Contempt? (9 cases)

§ 62.4 — Motion Practice or Adversary Proceeding? (23 cases)

§ 62.5 — Remedies for Violation of Stay (284 cases)

§ 62.6 — Limitation on Monetary Penalties after BAPCPA (5 cases)

4.  PRECONFIRMATION RELIEF FROM STAY

a.  PROCEDURE

§ 63.1 — Strategic Considerations (3 cases)

§ 63.2 — Timing, Procedure and Form (148 cases)

b.  GROUNDS FOR RELIEF FROM STAY

§ 64.1 — Lack of Adequate Protection (55 cases)

§ 64.2 — Other Cause for Relief (218 cases)

§ 64.3 — Prospective, In Rem and Automatic Relief from Stay (43 cases)

§ 64.4 — Annulment of the Stay (85 cases)

§ 64.5 — Application of § 362(d)(2) in Chapter 13 Cases (61 cases)

F.  CODEBTOR STAY

1.  EXTENT OF CODEBTOR STAY

§ 65.1 — Cosigners and Joint Obligors Are Protected (27 cases)

§ 65.2 — Consumer Debts Only (15 cases)

§ 65.3 — Codebtor Heaven after BAPCPA (5 cases)

§ 65.4 — Can Plan Enlarge Codebtor Stay? (1 case)

§ 65.5 — Expiration of Codebtor Stay (2 cases)

2.  RELIEF FROM CODEBTOR STAY

a.  PROCEDURE

§ 66.1 — Motion Practice (2 cases)

§ 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 (3 cases)

§ 67.2 — Plan Does Not Pay Debt in Full (16 cases)

§ 67.3 — Postpetition Interest, Attorneys’ Fees, Costs and Other Charges (2 cases)

§ 67.4 — Can Creditor Collect Original Contract Payment from Codebtor?

§ 67.5 — Irreparable Harm (4 cases)

§ 67.6 — Annulment of Codebtor Stay (1 case)

G.  UTILITY STAY

§ 68.1 — Utility Stay and Continuing Service (4 cases)

§ 68.2 — Utility Stay Uncertainty after BAPCPA (9 cases)

H.  MISCELLANEOUS PRECONFIRMATION PROBLEMS

§ 69.1 — Incurring Debt prior to Confirmation (1 case)

§ 69.2 — Pro Se Debtors (7 cases)

§ 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 (1 case)

§ 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 (1 case)

§ 72.4 — Who Can File Plan?

§ 72.5 — Form of Plan (12 cases)

§ 72.6 — Model Plan (BAPCPA) (12 cases)

C.  PROVIDING FOR PRIORITY CLAIMS

§ 73.1 — Plan Must Provide Full Payment (20 cases)

§ 73.2 — What Claims Are Priority Claims? (14 cases)

§ 73.3 — Priority Claims Added or Changed by BAPCPA (92 cases)

§ 73.4 — Deferred Payments Are Permitted (3 cases)

§ 73.5 — Interest Not Required, with Exceptions (2 cases)

§ 73.6 — Treatment of Priority Claims Changed by BAPCPA (42 cases)

§ 73.7 — Secured Priority Claims? (1 case)

§ 73.8 — Special Provisions for Attorneys’ Fees (4 cases)

§ 73.9 — Attorney Fees after BAPCPA (42 cases)

§ 73.10 — Filing Fees

§ 73.11 — Filing Fees after BAPCPA (3 cases)

D.  PROVIDING FOR SECURED CLAIMS

1.  GENERAL RULES BEFORE AND AFTER BAPCPA

§ 74.1 — General Rules before BAPCPA (1 case)

§ 74.2 — General Rules Changed by BAPCPA (3 cases)

§ 74.3 — Acceptance of Plan before BAPCPA (6 cases)

§ 74.4 — Acceptance of Plan after BAPCPA (28 cases)

§ 74.5 — Surrender or Sale of Collateral before BAPCPA (60 cases)

§ 74.6 — Surrender, Sale, Vesting in Lienholder and Payment with Property after BAPCPA (80 cases)

§ 74.7 — Classification of Secured Claims (8 cases)

§ 74.8 — Direct Payment of Secured Claims by Debtor before BAPCPA (15 cases)

§ 74.9 — Direct Payment of Secured Debt after BAPCPA (15 cases)

§ 74.10 — Partially Secured Claims (2 cases)

§ 74.11 — The Power to Modify (14 cases)

§ 74.12 — Lien Retention before BAPCPA (23 cases)

§ 74.13 — Lien Retention after BAPCPA, Including in No-Discharge Cases (66 cases)

§ 74.14 — Equal Monthly Installments after BAPCPA (56 cases)

§ 74.15 — “Adequate Protection” after Confirmation after BAPCPA (24 cases)

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

§ 75.1 — In General: Modification Without § 506 (82 cases)

§ 75.2 — Motor Vehicles and Any Other Thing of Value (16 cases)

§ 75.3 — Only PMSIs Need Apply (97 cases)

§ 75.4 — Acquired for Personal Use of Debtor (52 cases)

§ 75.5 — Surrender in Full Satisfaction? (76 cases)

§ 75.6 — Procedure and Miscellaneous Hanging-Sentence Issues (16 cases)

3.  VALUATION: BEFORE AND AFTER BAPCPA

§ 76.1 — Valuation, Claim Splitting and Dewsnup (6 cases)

§ 76.2 — Is Claim Secured, and By What? (70 cases)

§ 76.3 — As of What Date Is Value Determined? (31 cases)

§ 76.4 — Valuation in Chapter 13 Cases before Rash

§ 76.5 — Rash and Valuation

§ 76.6 — Valuation after Rash (53 cases)

§ 76.7 — Valuation after BAPCPA (47 cases)

4.  PRESENT VALUE: INTEREST, BEFORE AND AFTER BAPCPA

§ 77.1 — “Value, As of the Effective Date of the Plan” Means Interest (5 cases)

§ 77.2 — Interest Rate Anarchy: Present Value before Till

§ 77.3 — Present Value after Till (56 cases)

5.  MISCELLANEOUS SECURED CLAIMS ISSUES

§ 78.1 — Full Payment of Allowed Secured Claim (12 cases)

§ 78.2 — Calculating Payments to Secured Claim Holders

§ 78.3 — Accounting for Adequate Protection (2 cases)

§ 78.4 — Curing Default, Waiving Default, Maintaining Payments and Combinations (14 cases)

§ 78.5 — Oversecured Claim Holders (42 cases)

§ 78.6 — Oversecured Claims after BAPCPA (16 cases)

§ 78.7 — Pawn Transactions (11 cases)

§ 78.8 — Pawn Transactions after BAPCPA (11 cases)

6.  HOME MORTGAGES: BEFORE AND AFTER BAPCPA

§ 79.1 — Most Home Mortgages Cannot Be Modified: § 1322(b)(2) and Nobelman (72 cases)

§ 79.2 — Principal Residence Redefined by BAPCPA (41 cases)

§ 79.3 — “Best Practices” and the Protection from Modification in § 1322(b)(2) (34 cases)

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 (1 case)

§ 80.2 — Statutory Liens and Judgment Liens, Including Foreclosure Judgments (18 cases)

§ 80.3 — Non-Purchase Money, “Short-Term” and Real Estate-Secured Loans for Purposes Other Than Acquiring Residence (6 cases)

§ 80.4 — Timing Issues: Lien Waiver, Surrender or Avoidance (1 case)

§ 80.5 — Timing Issues: Prepetition Changes in Collateral or Use (27 cases)

§ 80.6 — Rental Property, Farmland and Other Income-Producing Property (39 cases)

§ 80.7 — Mobile Homes (46 cases)

§ 80.8 — Claims Secured by Bank Deposits, “Shares” or Escrow Account Balances (21 cases)

§ 80.9 — Claims Secured by Insurance Policies, Proceeds or Premiums (5 cases)

§ 80.10 — Claims Secured by an Assignment of Rents (9 cases)

§ 80.11 — Claims Secured by Fixtures, Furniture, Equipment, Appliances, Machinery, Easements, Appurtenances, Mineral Rights, Water Rights and the Debtor’s First Born (5 cases)

§ 80.12 — Claims Secured by Miscellaneous Other Real or Personal Property (9 cases)

§ 80.13 — Modification of Unsecured Home Mortgage: Before and After BAPCPA (452 cases)

§ 80.14 — Providing for and Accounting for an Unprotected Mortgage: Modifying, Curing Default, Maintaining Payments and Combinations (36 cases)

b.  CURING DEFAULT AND MAINTAINING PAYMENTS ON HOME MORTGAGES

§ 81.1 — Overview: General Rules for Saving Debtor’s Home (9 cases)

1)  WHAT DEFAULTS CAN BE CURED?

§ 82.1 — Prepetition Defaults—When is Property “Sold” at Foreclosure? (114 cases)

§ 82.2 — Postpetition Defaults (7 cases)

§ 82.3 — Nonmonetary Defaults (5 cases)

§ 82.4 — Reasonable Time to Cure Defaults (11 cases)

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 (52 cases)

§ 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 (7 cases)

§ 83.5 — Undersecured Mortgage and Interest to Cure Default (3 cases)

§ 83.6 — Late Charges, Attorneys' Fees, Costs and Other Charges (77 cases)

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 (4 cases)

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 (44 cases)

§ 85.3 — Prepetition Foreclosure Judgment: Curing Default, Payment in Full or Modification under § 1322(c)(2)? (5 cases)

§ 85.4 — Accelerating Payment of a Home Mortgage (1 case)

§ 85.5 — Debts Discharged in Prior Bankruptcy and Nonrecourse Debts (43 cases)

§ 85.6 — Direct Payment of Mortgage or Payment by Trustee (25 cases)

E.  PROVIDING FOR UNSECURED CLAIMS

1.  GENERAL RULES BEFORE AND AFTER BAPCPA

§ 86.1 — In General (1 case)

§ 86.2 — Less Money after BAPCPA

§ 86.3 — What Claims Are Unsecured Claims? (2 cases)

§ 86.4 — What Claims Are Unsecured: The Hanging-Sentence Enigma after BAPCPA (1 case)

2.  CLASSIFICATION OF UNSECURED CLAIMS BEFORE AND AFTER BAPCPA

§ 87.1 — Power to Classify Unsecured Claims: Tests for Unfair Discrimination (11 cases)

§ 87.2 — Classification after BAPCPA (4 cases)

§ 87.3 — Co-signed Debts (10 cases)

§ 87.4 — Priority Claims

§ 87.5 — Priority Claims after BAPCPA

§ 87.6 — Pension Loan Repayment: § 1322(f) after BAPCPA (1 case)

§ 87.7 — 910-Day PMSI Car Claims after BAPCPA: A Reprise (1 case)

a.  NONDISCHARGEABLE CLAIMS

§ 88.1 — In General (3 cases)

§ 88.2 — Nondischargeable Claims after BAPCPA (29 cases)

§ 88.3 — Postpetition Interest on Nondischargeable Claims after BAPCPA: § 1322(b)(10) (12 cases)

§ 88.4 — Alimony, Maintenance and Support

§ 88.5 — Domestic Support Obligations Assigned or Payable to Government: § 1322(a)(4) after BAPCPA (7 cases)

§ 88.6 — Student Loans (34 cases)

§ 88.7 — Restitution, Fines and Other Criminal Problems (2 cases)

§ 88.8 — Driving, Boating or Flying while Intoxicated

§ 88.9 — Long-Term Debts (6 cases)

§ 88.10 — Claims That Are or Might Be Nondischargeable Only in a Chapter 7 (Chapter 12, or Individual Chapter 11) Case (2 cases)

b.  OTHER CLASSIFICATIONS

§ 89.1 — Direct Payments by Debtor (8 cases)

§ 89.2 — Medical Providers

§ 89.3 — Landlords and Lessors

§ 89.4 — Suppliers or Other Business-Related Creditors (1 case)

§ 89.5 — To Satisfy an Objecting Unsecured Claim Holder

§ 89.6 — Contingent and Unliquidated Claims (1 case)

§ 89.7 — Based on the Size of the Claim

§ 89.8 — Postpetition Claims

§ 89.9 — Miscellaneous Classes of Unsecured Claims (2 cases)

§ 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 (91 cases)

§ 90.2 — Exemption Issues (37 cases)

§ 90.3 — Exclusions and Exemptions after BAPCPA (11 cases)

§ 90.4 — Nondischargeable Claims, Guaranteed Claims and Tardy Claims (2 cases)

§ 90.5 — Discount Rates and Interest If Liquidation Would Produce Dividend (9 cases)

§ 90.6 — Discount Rates and Interest after BAPCPA (3 cases)

4.  PROJECTED DISPOSABLE INCOME TEST: BEFORE BAPCPA

§ 91.1 — In General (2 cases)

§ 91.2 — Projected (Disposable) Income (18 cases)

§ 91.3 — Reasonably Necessary for Maintenance or Support (19 cases)

§ 91.4 — Debtor or Dependent (1 case)

§ 91.5 — Counting the Three-Year Period (1 case)

§ 91.6 — Debtor Engaged in Business (1 case)

§ 91.7 — Payment-in-Full Option (14 cases)

5.  PROJECTED DISPOSABLE INCOME TEST: AFTER BAPCPA

§ 92.1 — In General (23 cases)

§ 92.2 — Projected Disposable Income: All Debtors (201 cases)

§ 92.3 — Current Monthly Income: The Baseline (220 cases)

§ 92.4 — Household Size and Comparison of CMI to Median Family Income: § 1325(b)(3) (27 cases)

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 (40 cases)

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

1)  GENERAL CONSIDERATIONS

§ 94.1 — Big Picture: Too Many Issues (45 cases)

§ 94.2 — Netting Issues, Including Exclusion of Payments for Debts (21 cases)

§ 94.3 — Accounting for Spouses (41 cases)

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

§ 95.1 — In General (10 cases)

§ 95.2 — National Standards (17 cases)

§ 95.3 — Local Standards: Housing and Transportation (169 cases)

§ 95.4 — Other [Necessary] Expenses—In General; All Categories (38 cases)

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

§ 95.6 — Other [Necessary] Expenses—Charitable Contributions

§ 95.7 — Other [Necessary] Expenses—Child Care (1 case)

§ 95.8 — Other [Necessary] Expenses—Court-Ordered Payments (1 case)

§ 95.9 — Other [Necessary] Expenses—Dependent Care

§ 95.10 — Other [Necessary] Expenses—Education (3 cases)

§ 95.11 — Other [Necessary] Expenses—Health Care (2 cases)

§ 95.12 — Other [Necessary] Expenses—Involuntary Deductions (1 case)

§ 95.13 — Other [Necessary] Expenses—Life Insurance (5 cases)

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

§ 95.15 — Other [Necessary] Expenses—Unsecured Debts

§ 95.16 — Other [Necessary] Expenses—Taxes (15 cases)

§ 95.17 — Other [Necessary] Expenses—Optional Telephones and Services (2 cases)

§ 95.18 — Other [Necessary] Expenses—Student Loans (1 case)

§ 95.19 — Other [Necessary] Expenses—Internet Provider/E-mail (1 case)

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

§ 95.21 — Health and Disability Insurance (5 cases)

§ 95.22 — Family Violence Expenses

§ 95.23 — Five Percent More Food and Clothing (8 cases)

§ 95.24 — Elderly, Ill or Disabled (12 cases)

§ 95.25 — Administrative Expenses, Sorta (8 cases)

§ 95.26 — Education Expenses (14 cases)

§ 95.27 — Home Energy Costs (10 cases)

§ 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 (120 cases)

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

§ 97.1 — Total Priority Debts and Divide by 60 (5 cases)

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

§ 98.1 — Additional Expenses or Adjustments to CMI (48 cases)

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 (5 cases)

§ 99.4 — Pension Loan Repayments (34 cases)

§ 99.5 — Employee Benefit Plan Contributions (38 cases)

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

d.  APPLICABLE COMMITMENT PERIOD—ALL DEBTORS

§ 100.1 — Applicable Commitment Period Calculation (135 cases)

6.  MISCELLANEOUS UNSECURED CLAIMS ISSUES

§ 101.1 — What Do Unsecured Creditors Get? (32 cases)

§ 101.2 — Good Faith toward Unsecured Claim Holders? (1 case)

§ 101.3 — Methods of Paying Unsecured Claims (7 cases)

§ 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 (33 cases)

§ 102.2 — Debtor Must Cure Defaults and Assure Future Performance (6 cases)

§ 102.3 — Leases and Executory Contracts after BAPCPA (6 cases)

§ 102.4 — Nonresidential Lease of Real Property (5 cases)

§ 102.5 — Rejection Generates Unsecured Claim (9 cases)

§ 102.6 — Lessor Can Demand Adequate Protection

§ 102.7 — Lessor Can Accelerate Assumption or Rejection (3 cases)

§ 102.8 — Fake Leases and Rental Agreements (29 cases)

§ 102.9 — Land Sales Contracts and Contracts to Make a Deed (22 cases)

§ 102.10 — When Purpose of Plan Is to Deal with an Unfavorable Contract or Lease (2 cases)

G.  GOOD FAITH: BEFORE AND AFTER BAPCPA

1.  GOOD FAITH BEFORE BAPCPA

§ 103.1 — In General (7 cases)

a.  FACTORS APPROACH

§ 104.1 — In General (6 cases)

§ 104.2 — Frequency of Filing Bankruptcy—Chapter 20 and Beyond (20 cases)

§ 104.3 — Accuracy of Petition, Schedules, Statement and Testimony (21 cases)

§ 104.4 — Burden of Administration (2 cases)

1)  MOTIVATION IN FILING

§ 105.1 — Prepetition Conduct and Misconduct—In General (24 cases)

§ 105.2 — Prepetition Transfers and Transactions (23 cases)

§ 105.3 — Filing on the Eve of Whatever (7 cases)

2)  NONDISCHARGEABLE DEBTS

§ 106.1 — In General (20 cases)

§ 106.2 — Criminal Misconduct (7 cases)

§ 106.3 — Alimony, Maintenance and Support (9 cases)

§ 106.4 — Student Loans (1 case)

§ 106.5 — Separate Classification of Nondischargeable Claims and Good Faith

3)  NATURE OF FINANCIAL PROBLEMS

§ 107.1 — Greed, Not Need (6 cases)

§ 107.2 — Executory Contracts

§ 107.3 — Tax Problems (2 cases)

§ 107.4 — Payment of Attorney Fees (18 cases)

§ 107.5 — Special Circumstances: The Unusually Worthy or Needy Debtor (1 case)

4)  DEGREE OF EFFORT

§ 108.1 — Economic Components of Good Faith—In General (7 cases)

§ 108.2 — Duration of Plan (6 cases)

§ 108.3 — Percentage of Payment (16 cases)

§ 108.4 — Income, Expenses, Lifestyle and Luxuries (22 cases)

b.  THE GENERIC APPROACHES TO GOOD FAITH

§ 109.1 — Smell Tests

2.  GOOD FAITH AFTER BAPCPA

§ 110.1 — Good-Faith Filing Requirement after BAPCPA (73 cases)

§ 110.2 — Good-Faith Plans after BAPCPA (247 cases)

H.  FEASIBILITY

§ 111.1 — Able to Make Payments and Comply with Plan (72 cases)

§ 111.2 — Feasibility Turned on Its Head after BAPCPA (39 cases)

I.  LENGTH OF PLAN

§ 112.1 — General Rule: Three Years, More or Less (1 case)

§ 112.2 — Length of Plan after BAPCPA (59 cases)

§ 112.3 — How to Calculate the Length of the Plan (5 cases)

§ 112.4 — Cause for Extension beyond Three Years (3 cases)

§ 112.5 — Payment of Claims beyond Length of Plan (20 cases)

J.  MISCELLANEOUS PLAN PROVISIONS AND CONFIRMATION CONSIDERATIONS

§ 113.1 — Plan Complies with Bankruptcy Code (12 cases)

§ 113.2 — Filing Fee Payment Requirement (1 case)

§ 113.3 — Domestic Support Obligations Must Be Current (8 cases)

§ 113.4 — All Tax Returns Must Be Filed (1 case)

§ 113.5 — Submission of Future Income (1 case)

§ 113.6 — Providing for Postpetition Claims

§ 113.7 — Order of Payments to Creditors before BAPCPA (4 cases)

§ 113.8 — Order of Payments to Creditors after BAPCPA (19 cases)

§ 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) (13 cases)

§ 113.12 — Miscellaneous Objections to Confirmation (10 cases)

§ 113.13 — Miscellaneous Confirmation Issues Added by BAPCPA (2 cases)

K.  PRECONFIRMATION MODIFICATION OF PLAN

§ 114.1 — Timing, Procedure and Form (12 cases)

§ 114.2 — To Correct Errors in Original Plan

§ 114.3 — To Reflect Changed Circumstances (2 cases)

§ 114.4 — To Deal with Objections to Original Plan (5 cases)

§ 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 (1 case)

§ 115.2 — Timing of Hearing on Confirmation after BAPCPA (9 cases)

§ 115.3 — Burden of Proof (5 cases)

§ 115.4 — Discovery and Preparation for Confirmation Hearing (2 cases)

2.  OBJECTING TO CONFIRMATION

§ 116.1 — Standing to Object (33 cases)

§ 116.2 — Time for Filing Objections (7 cases)

§ 116.3 — Time for Filing Objections after BAPCPA (2 cases)

§ 116.4 — Form of Objection (6 cases)

3.  CHALLENGING THE GRANT OR DENIAL OF CONFIRMATION

§ 117.1 — Too Many Choices (3 cases)

§ 117.2 — Relief from Confirmation Order: Bankruptcy Rules 9023 and 9024 (43 cases)

§ 117.3 — Revocation of Confirmation (31 cases)

§ 117.4 — Appeal of Grant or Denial of Confirmation (35 cases)

§ 117.5 — Appeal of Grant or Denial of Confirmation after BAPCPA (17 cases)

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 (1 case)

§ 119.2 — 11 U.S.C. § 1327: Effects of Confirmation (1 case)

§ 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 (1 case)

§ 120.2 — 11 U.S.C. § 1327(a): Binding Effect on Creditors and Debtors (253 cases)

§ 120.3 — 11 U.S.C. § 1327(b): Vesting Effect on Property of Estate (78 cases)

§ 120.4 — 11 U.S.C. § 1327(c): Free and Clear Effect on Liens (14 cases)

§ 120.5 — Effects of Confirmation after BAPCPA (28 cases)

2.  LIMITATIONS ON EFFECTS OF CONFIRMATION

§ 121.1 — Overview (1 case)

§ 121.2 — Notice and Due Process Considerations, Including Claims Allowance and Valuation (113 cases)

§ 121.3 — Failure to Provide For (17 cases)

§ 121.4 — Other Limitations (26 cases)

3.  SPECIAL EFFECTS OF CONFIRMATION

§ 122.1 — Tax Refunds (26 cases)

§ 122.2 — Windfalls, Inheritances, Lotteries and the Like (6 cases)

§ 122.3 — Loss, Destruction or Surrender of Property after Confirmation (27 cases)

§ 122.4 — Effects of Confirmation on Postpetition Claims (4 cases)

C.  REPRESENTING CREDITORS AFTER CONFIRMATION

1.  PROBLEMS WITH THE PLAN

§ 123.1 — What to Do If Creditor Is Not Receiving Payments (1 case)

§ 123.2 — What to Do If Debtor Defaults (2 cases)

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

§ 123.4 — Representing a Postpetition Claim Holder (1 case)

2.  POSTCONFIRMATION STAY RELIEF PRACTICE

§ 124.1 — Procedure (20 cases)

§ 124.2 — Confirmation as a Defense to Relief from the Stay (41 cases)

§ 124.3 — Does Confirmation Dissolve the Stay? (7 cases)

§ 124.4 — Postconfirmation Default and Relief from the Stay (62 cases)

§ 124.5 — Postpetition Claims and Relief from the Stay (7 cases)

§ 124.6 — Alimony and Support Collection after Confirmation (3 cases)

§ 124.7 — Effect of Failure to File Proof of Claim on Postconfirmation Relief from the Stay (4 cases)

D.  INCOME DEDUCTION ORDERS

§ 125.1 — Order to Debtor’s Employer (2 cases)

§ 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 (2 cases)

§ 125.7 — Special Deduction Order Problems: Entitlements, Pensions and Government Employers (2 cases)

E.  MODIFICATION OF PLAN AFTER CONFIRMATION

1.  PROCEDURE AND STANDARDS FOR MODIFIED PLAN

§ 126.1 — Standing, Timing and Procedure (72 cases)

§ 126.2 — Application of Tests for Confirmation (75 cases)

§ 126.3 — Does Disposable Income Test Apply? (56 cases)

§ 126.4 — Duration of Modified Plan (14 cases)

§ 126.5 — Changed-Circumstances Requirement? (56 cases)

§ 126.6 — Modification after Confirmation after BAPCPA (174 cases)

2.  SPECIFIC MODIFICATIONS

§ 127.1 — To Suspend Payments (4 cases)

§ 127.2 — To Cure Postconfirmation Default (16 cases)

§ 127.3 — To “Add” Prepetition Creditors (5 cases)

§ 127.4 — To Provide for Postpetition Claims (5 cases)

§ 127.5 — To Incur New Debt (13 cases)

§ 127.6 — To Sell or Refinance Property of the Estate (23 cases)

§ 127.7 — To Surrender Collateral, Account for Repossession or Change the Treatment of a Secured Claim (82 cases)

§ 127.8 — To Decrease Payments to Creditors (39 cases)

§ 127.9 — To Increase Payments to Creditors (53 cases)

§ 127.10 — To Account for Payments Other Than under the Plan (7 cases)

§ 127.11 — To Extend or Reduce the Time for Payments (32 cases)

F.  MISCELLANEOUS POSTCONFIRMATION ISSUES

§ 128.1 — Death or Incompetency of Debtor (24 cases)

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 (8 cases)

§ 130.8 — Bankruptcy Rule 3002: Filing of Proofs of Claim

§ 130.9 — Bankruptcy Rule 3004: Filing of Claims by Debtor or Trustee (1 case)

§ 130.10 — Bankruptcy Rule 3007: Objections to Claims (1 case)

§ 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 (16 cases)

§ 131.2 — Official Form 410 after BAPCPA (42 cases)

§ 131.3 — Bankruptcy Rule 3002.1: Mortgage Management after 2011 (72 cases)

§ 131.4 — Informal Proofs of Claim: Letters, Motions, Pleadings and Conversations (28 cases)

§ 131.5 — Is a Plan Provision a Proof of Claim? (3 cases)

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 (1 case)

§ 132.3 — Governmental Units (2 cases)

§ 132.4 — Unsecured Claims (7 cases)

§ 132.5 — Partially Secured Claims (4 cases)

§ 132.6 — Priority Claims, Including Requests for Payment of Administrative Expenses (4 cases)

§ 132.7 — Secured Claim Holders (27 cases)

§ 132.8 — 910-Day PMSI Car Claims: Epilogue (1 case)

§ 132.9 — Postpetition Claims (7 cases)

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

§ 133.1 — General Rules: No Enlargement or Exceptions, Except . . . (68 cases)

§ 133.2 — Unscheduled Creditors before BAPCPA (28 cases)

§ 133.3 — Unscheduled Creditors after BAPCPA (14 cases)

§ 133.4 — Amended Claims (61 cases)

§ 133.5 — Tax Claim Exception after BAPCPA (2 cases)

4.  FILING OF PROOFS OF CLAIM BY DEBTOR OR TRUSTEE

§ 134.1 — Timing, Form, Superseding and Amended Claims before 2005 (21 cases)

§ 134.2 — Filing of Claims by Debtor or Trustee after 2005 Amendments to Bankruptcy Rule 3004 (28 cases)

§ 134.3 — Strategic Considerations: When to File Claims for Creditors (11 cases)

C.  ALLOWANCE AND OBJECTIONS TO CLAIMS

§ 135.1 — Timing, Procedure and Evidence Presumption (323 cases)

§ 135.2 — Allowance and Objections to Claims: Changes by BAPCPA (11 cases)

§ 135.3 — Documentation and Assigned Claims (99 cases)

§ 135.4 — Reconsideration of Claims (34 cases)

§ 135.5 — Failure to File Proof of Claim (16 cases)

§ 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 (44 cases)

D.  PRIORITY CLAIMS AND ADMINISTRATIVE EXPENSES

§ 136.1 — Treatment of Priority Claims (2 cases)

§ 136.2 — Taxes before BAPCPA (68 cases)

§ 136.3 — Taxes after BAPCPA (80 cases)

§ 136.4 — Trustees’ Fees and Expenses before BAPCPA (12 cases)

§ 136.5 — Trustees’ Fees and Expenses after BAPCPA (4 cases)

§ 136.6 — Debtors’ Attorneys’ Fees before BAPCPA (379 cases)

§ 136.7 — Debtors’ Attorneys’ Fees after BAPCPA (120 cases)

§ 136.8 — Utilities before BAPCPA

§ 136.9 — Utilities after BAPCPA

§ 136.10 — Leases and Executory Contracts before BAPCPA (20 cases)

§ 136.11 — Leases and Executory Contracts after BAPCPA (6 cases)

§ 136.12 — Failed Adequate Protection before BAPCPA (4 cases)

§ 136.13 — Failed Adequate Protection after BAPCPA (2 cases)

§ 136.14 — Miscellaneous Administrative Expenses and Priority Claims before BAPCPA (19 cases)

§ 136.15 — Miscellaneous Administrative Expenses and Priority Claims after BAPCPA (12 cases)

§ 136.16 — Postpetition Interest on Priority Claims before BAPCPA (4 cases)

§ 136.17 — Postpetition Interest on Priority Claims after BAPCPA (13 cases)

§ 136.18 — Secured Priority Claims before BAPCPA (3 cases)

§ 136.19 — Secured Priority Claims after BAPCPA (5 cases)

§ 136.20 — Alimony, Maintenance and Support in Cases Filed after October 22, 1994 (12 cases)

§ 136.21 — Domestic Support Obligations after BAPCPA (146 cases)

§ 136.22 — Driving or Boating while Intoxicated Priority after BAPCPA

E.  POSTPETITION CLAIMS

§ 137.1 — Postpetition Claims before BAPCPA (38 cases)

§ 137.2 — Postpetition Claims after BAPCPA (30 cases)

F.  MISCELLANEOUS CLAIMS QUESTIONS

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

§ 138.2 — Claims for Creditors’ Attorneys’ Fees (162 cases)

§ 138.3 — Creditors’ Attorneys’ Fees: New Recovery Rights after BAPCPA (2 cases)

§ 138.4 — Nonrecourse Claims and Claims Discharged in Prior Bankruptcy Case (10 cases)

§ 138.5 — Truth-in-Lending and Other Consumer Protection Statutes (501 cases)

§ 138.6 — U.C.C. and Other Commercial Law Questions (51 cases)

§ 138.7 — Miscellaneous Claims Issues (258 cases)

§ 138.8 — Mortgage Claim Issues (468 cases)

§ 138.9 — Claim Reduction under § 502(k) after BAPCPA (1 case)

§ 138.10 — Chapter 7 Trustee Compensation: § 1326(b)(3) after BAPCPA (1 case)

PART 8:  CONVERSION AND DISMISSAL

§ 139.1 — Summary of Part 8

§ 139.2 — BAPCPA: More Grounds; Changed Consequences (4 cases)

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 (19 cases)

§ 141.2 — Conversion on Request of Creditor or Trustee (29 cases)

§ 141.3 — Cause for Conversion (55 cases)

§ 141.4 — Cause for Conversion Added or Changed by BAPCPA (2 cases)

§ 141.5 — Conversion Sua Sponte (8 cases)

§ 141.6 — Automatic Conversion: The “Drop Dead” Clause (2 cases)

2.  EFFECTS OF CONVERSION

a.  IN GENERAL

§ 142.1 — New Schedules, Statement, Meeting of Creditors and Deadlines (13 cases)

§ 142.2 — Deadlines and Filing Requirements at Conversion after BAPCPA (8 cases)

§ 142.3 — Application of § 707(b) Abuse Test at Conversion (26 cases)

§ 142.4 — Notice Issues under § 342 at Conversion

§ 142.5 — On Postpetition Claims (13 cases)

§ 142.6 — On Relief from Stay (3 cases)

b.  ON ENTITLEMENT TO POSTPETITION PROPERTY

§ 143.1 — In Cases Filed before October 22, 1994

§ 143.2 — In Cases Filed after October 22, 1994 (60 cases)

§ 143.3 — Payments Held by Chapter 13 Trustee at Conversion: § 1326(a)(2) after BAPCPA (33 cases)

§ 143.4 — Priorities after Conversion: Two Trustees and a DSO (2 cases)

§ 143.5 — Bad-Faith Conversion (18 cases)

c.  ON EXEMPTIONS AND LIEN AVOIDANCE

§ 144.1 — Exemptions at Conversion (24 cases)

§ 144.2 — Lien Avoidance at Conversion (5 cases)

d.  ON SECURED CLAIMS

§ 145.1 — In Cases Filed before October 22, 1994

§ 145.2 — In Cases Filed after October 22, 1994 (9 cases)

§ 145.3 — Lienholders’ Rights at Conversion under § 348(f) after BAPCPA (8 cases)

C.  CONVERSION TO CHAPTER 11

§ 146.1 — Standing, Procedure and Grounds for Conversion to Chapter 11 (13 cases)

§ 146.2 — Strategic Considerations: Costs and Benefits of Conversion to Chapter 11 (4 cases)

§ 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 (22 cases)

§ 148.2 — Absolute Right of Debtor? (93 cases)

§ 148.3 — Effects of Conversion from Chapter 7 to Chapter 13 (34 cases)

§ 148.4 — Conversion to Chapter 13 after BAPCPA (9 cases)

2.  CONVERSION FROM OTHER CHAPTERS TO CHAPTER 13

§ 149.1 — Conversion from Chapter 11 to Chapter 13 (4 cases)

§ 149.2 — Conversion from Chapter 12 to Chapter 13 (1 case)

3.  RECONVERSION TO CHAPTER 13

§ 150.1 — Reconversion from Chapter 7 or Chapter 11 to Chapter 13 (17 cases)

§ 150.2 — Reconversion to Chapter 13 after BAPCPA (11 cases)

F.  DISMISSAL

1.  DISMISSAL BY DEBTOR

§ 151.1 — Procedure, Timing and Form (10 cases)

§ 151.2 — Absolute Right of Debtor? (59 cases)

§ 151.3 — Strategic Considerations: Consequences of Voluntary Dismissal (3 cases)

2.  DISMISSAL ON REQUEST OF PARTY IN INTEREST

§ 152.1 — Procedure, Timing and Form (51 cases)

§ 152.2 — Cause for Dismissal—In General (120 cases)

§ 152.3 — Cause for Dismissal Added or Changed by BAPCPA (48 cases)

§ 152.4 — Cause for Dismissal, Including Bad-Faith, Multiple and Abusive Filings (199 cases)

§ 152.5 — Cause Not Found (80 cases)

§ 152.6 — Strategic Considerations

§ 152.7 — Sua Sponte Dismissal (32 cases)

3.  EFFECTS OF DISMISSAL

§ 153.1 — In General (103 cases)

§ 153.2 — Consequences of Dismissal Added or Changed by BAPCPA (61 cases)

§ 153.3 — Court-Imposed Conditions and Restrictions on Dismissal (142 cases)

§ 153.4 — Reinstatement after Dismissal (88 cases)

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 (1 case)

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

§ 155.3 — 11 U.S.C. § 1328: Discharge (1 case)

§ 155.4 — Bankruptcy Rule 1016: Death or Incompetency of Debtor (1 case)

§ 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 (62 cases)

§ 156.2 — Limitations on Successive Discharges (101 cases)

§ 156.3 — Time for Determining Dischargeability of Debt (30 cases)

§ 156.4 — Domestic Support Obligation Certification (5 cases)

§ 156.5 — Instructional Course Requirement (14 cases)

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

C.  DISCHARGE AFTER COMPLETION OF ALL PAYMENTS

1.  FULL-PAYMENT DISCHARGE

§ 157.1 — Broadest Discharge Available (23 cases)

§ 157.2 — BAPCPA Shrank the Discharge (9 cases)

§ 157.3 — Completion of Payments after BAPCPA (20 cases)

2.  EXCEPTIONS TO FULL-PAYMENT DISCHARGE BEFORE BAPCPA

§ 158.1 — Alimony, Maintenance or Support (12 cases)

§ 158.2 — Student Loans (49 cases)

§ 158.3 — Driving while Intoxicated (2 cases)

§ 158.4 — Criminal Restitution and Criminal Fines (4 cases)

§ 158.5 — Claims Not Provided for by the Plan or Disallowed under § 502 (57 cases)

§ 158.6 — Postpetition Claims (15 cases)

§ 158.7 — Long-Term Debts (23 cases)

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

§ 159.1 — Taxes (23 cases)

§ 159.2 — False Representations and Fraud: § 523(a)(2) (126 cases)

§ 159.3 — Fraud and Defalcation: § 523(a)(4) (70 cases)

§ 159.4 — Unscheduled Creditors: § 523(a)(3) (13 cases)

§ 159.5 — Domestic Support Obligations: § 523(a)(5) (91 cases)

§ 159.6 — Student Loans: § 523(a)(8) (32 cases)

§ 159.7 — Willful or Malicious Injury: § 1328(a)(4) (52 cases)

§ 159.8 — Boating or Flying while Intoxicated: § 523(a)(9) (2 cases)

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

D.  HARDSHIP DISCHARGE: DISCHARGE BEFORE COMPLETION OF ALL PAYMENTS

§ 160.1 — In General (10 cases)

§ 160.2 — Timing, Filing and Procedural Considerations (4 cases)

§ 160.3 — Circumstances for Which the Debtor Should Not Justly Be Held Accountable (20 cases)

§ 160.4 — Best-Interests-of-Creditors Test (6 cases)

§ 160.5 — Modification Is Not Practicable (5 cases)

§ 160.6 — Exceptions to Hardship Discharge before BAPCPA (4 cases)

§ 160.7 — Exceptions to Hardship Discharge Added or Changed by BAPCPA (11 cases)

E.  WAIVER AND REVOCATION OF DISCHARGE

§ 161.1 — Waiver of Discharge (1 case)

§ 161.2 — Revocation of Discharge and Relief from Discharge Order (17 cases)

F.  EFFECTS OF DISCHARGE

§ 162.1 — In General, Including Discharge Hearing and Discharge Injunction (138 cases)

§ 162.2 — Discharge Injunction and § 524(i) after BAPCPA (37 cases)

§ 162.3 — On Liens (27 cases)

§ 162.4 — Effects of Discharge on Liens after BAPCPA (18 cases)

§ 162.5 — On Administrative Expenses (6 cases)

§ 162.6 — Reopening Closed Cases (48 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