Source: https://dumpmycreditors.wordpress.com/tag/bankruptcy/
Timestamp: 2017-06-25 01:59:20
Document Index: 546439072

Matched Legal Cases: ['§ 101', '§\n101', '§ 101', '§ 101', '§ 523', '§ 362', '§ 362', '§ 362', '§ 362', '§ 362']

bankruptcy | BANKRUPTCY AND MICHIGAN FAMILIES
Posted by terrybankert	BANKRUPTCY IN FLINT MICHIGAN 235-1970
I represent good people in economic hardship.We are called a debt relief agency under the law. In reality I am a local Flint attorney that practices bankruptcy. We try to educate you as to the process and your full set of rights in bankruptcy. BANKRUPTCY FLINT MICHIGAN Talk to Flint Bankruptcy Attorney Terry Bankert at 810-235-1970. Questions for Bankruptcy Lawyer Terry Bankert can be found at http://www.attorneybankert.com
Within a month of your filing bankruptcy a mandatory attendance at a meeting with a Bankruptcy Trustee is required. This is called a creditors meeting or a 341 Hearing after the Code Section. The Trustee is an attorney that is not a judge and does not work for one. The trustee works for the U.S.Attorney a Federal Prosecutor. In Flint the 341 hearing is held in the basement of the Federal Building. The bankruptcy trustee chairs the meeting. The trustee’s job may begin with finding you not eligible for a chapter 7 bankruptcy if your income is too great. The core purpose of the trustee is to have you swear an oath that the information you provided to the Bankruptcy Court is true. You can be federally prosecuted if it is not.
The trustee will question you about the information you provided to the court. You will be asked if all property was listed. How did you determine the value for the property you listed. Inquiry will be made of the net equity you have in personal and real property. Too much value in some property and you will not be able to exempt it from the bankruptcy. Following is a list of topics the bankruptcy trustee may ask you about:
Some debts not listed above will survive bankruptcy if the creditor seeks an order excluding the debt. These debts most often are: fraudulent transactions, recent credit card charges for luxuries and willful and malicious acts causing personal injury or property damage. Your creditors seldom show up. If they do they can ask you questions. The purpose of the meeting is for the trustee to ask you questions. Your attorney will say very little at these meetings. Leave a Comment »	| Uncategorized	| Tagged: bankruptcy, flint bankruptcy, flint bankruptcy lkawyer, flint bankruytcy attorney	| Permalink
Posted by terrybankert	DEBTOR IN BANKRUPTCY MUST HAVE RECENT CREDIT COUNSELING. QUESTIONS? CALL 235-1970
Posted by terrybankert	YOUR PERSONAL WALL STREET TYPE BAILOUT A CHAPTER SEVEN BANKRUPTCY -810-235-1970
Posted by terrybankert	BANKRUPTCY, BANKRUPTCY CHAPTER 7, 235-1970
In all Chapter 7 cases, the U.S. trustee appoints a trustee to administer the estate created by the filing of the debtor’s bankruptcy. 11 USC 701. The trustee is typically a member of a private panel of individuals appointed by the Office of the U.S. Trustee, although certain circumstances, such as a conflict of interest affecting all of the private panel trustees, may necessitate the appointment of an individual who is not a member of the standing panel. See 11 USC 702 (allowing for election of trustee). In his or her capacity as trustee, the trustee is required to investigate, collect, and liquidate the debtor’s nonexempt property and distribute the proceeds to creditors according to the priorities established in the Bankruptcy Code. 11 USC 704(a). The trustee is charged with performing other duties as well, including, where appropriate, opposing an individual debtor’s right to receive a discharge. 11 USC 705. In a large number of Chapter 7 cases, trustees retain counsel to assist them in administering the estate. If you are requested to represent a trustee in a Chapter 7 case, you should first make certain that the bankruptcy court administering the case enters an order appointing you as counsel. 11 USC 327(a). Typically, court approval of the trustee’s employment of professionals is obtained on an ex parte basis; however, the process requires the concurrence of the U.S. trustee. In the Eastern District of Michigan, LBR 2014-1 (ED Mich) governs the procedure for applications for the retention of professionals, including the attorney for a Chapter 7 trustee. In general, the application must be accompanied by a statement from the attorney that he or she is a disinterested person and holds no interest adverse to the estate. Bankruptcy Rule 2014; LBR 2014-1(a) (ED Mich); see also 11 USC 327(a). This statement must also disclose all connections of the attorney with the “debtor, creditors or any other party in interest, and their respective attorneys and accountants” as required by Bankruptcy Rule 2014. LBR 2014-1 (ED Mich); see also LBR 2014 (WD Mich). This application must be filed with the bankruptcy court, and a copy of the application, along with a proposed order of retention, must be served on the U.S. trustee. LBR 2014-1(b) (ED Mich). If the U.S. trustee concurs in the application, he or she will sign the proposed order. If the U.S. trustee fails to sign the order within seven days, the applicant must serve on the U.S. trustee a notice of a hearing for the entry of the retention order. Once the retention order is entered, it is deemed effective as of the date the application was filed, “unless the Court orders otherwise.” Id. Leave a Comment »	| Uncategorized	| Tagged: bankruptcy, BANKRUPTCY CHAPTER SEVEN 235-1970	| Permalink
Posted by terrybankert	BANKRUPTCY, FLINT BANKRUPTCY, FLINT BANKRUPTCY ATTORNEY, LAWYER EXPLAINS SECURED DEBTS IN BANKRUPTCY.
BANKRUPTCY, FLINT BANKRUPTCY, FLINT BANKRUPTCY ATTORNEY, LAWYER EXPLAINS SECURED DEBTS IN BANKRUPTCY.
A Flint Bankruptcy debt is a secured debt if you will lose identified property real or personal when creditor payments are not made. How is a bankruptcy secured debt made. These debts are created when you the debtor sign a loan giving the bankruptcy creditor what is called a “ security interest” in your property. Most often these are home or car loans. Bankruptcy security interests are also created when a creditor files a lien which stops future sales.
Bankruptcy Lawyer Terry R. Bankert talks about these and other Bankruptcy issues on his popular site http://www.nojokebeingbroke.com
and http://www.attorneybankert.com writings on bankruptcy.
FLINT OR BAY CITY BANKRUPTCY SECURED DEBTS .
a. Tax liens in BANKRUPTCY- The taxing authority must record the liens against your property. Often these authorities are the IRS or state and local government. When in Bankruptcy Check to see if they have.
basmati Law created liens in BANKRUPTCY- Often these are called mechanics, materialmans or contractor liens. The creditor can assert or file a lien. When in bankruptcy check to see if they have.
c. Judicial liens in Bankruptcy- when the creditor loses a lawsuit they get a judgment. The creditor must record this judgment to create a lien. In Bankruptcy check to se if this was done.
d. In BANKRUPTCY personal loans from banks and credit unions or finance companies. You will have pledged valuable personal property such as a vehicle, or other property as collateral This property can be repossessed if you don’t make the payments.
e. In BANKRUPTCY store charges with security agreements. The norm is that credit card buys on a credit card are unsecured. Some stores like J.C.Penny’s and Sears claim to retain a security interest in all hard or durable goods. Often these stores make their customers sign a security agreement when charges are made.
f. In BANKRUPTCY loans for RV’s, motorcycles, tractors, boats, and cars.
g. SECOND MORTGAGES IN BANKRUPTCY- If you do not pay this obligation to a bank or a finance company they will take your house under foreclosure.
h. MORTGAGES IN BANKRUTPCY- As you know these are loans on your home purchase or refinance. If you fail to pay the lender can take or foreclose on your home.
A Flint or Bay City bankruptcy attorney lawyer will help you deal with these debits and eliminate some. If you have question contact Bankruptcy lawyer Terry R. Bankert Terry@attorneybankert.com
810-235-1970 or http://www.attroneybankert.com
My law firm is called a debt relief agency that helps you file for bankruptcy. (feds made me say that) Get your free consultation today. 810-235-1970
Leave a Comment »	| Uncategorized	| Tagged: bankruptcy, flint bankruptcy, Flint Bankruptcy Attorney, LAWYER EXPLAINS SECURED DEBTS IN BANKRUPTCY.	| Permalink
Posted by terrybankert	BANKRUPTCY attorney violates the automatic stay
BANKRUPTCY COURT OPINION REGARDING BANKRUPTCY DEBTOR’S CONTEMPT MOTION
BANKRUPTCY AND ATTORNEY FEES
This case came before the Court for hearing on January 19, 2011 and on March 30, 2011 on a motion filed by Debtor entitled “Motion for Order for Contempt, Damages and Attorney Fees for Willful Violation of the Automatic Stay and Creditor Misconduct” (Docket # 18, the
“Motion”).
BANKRUPTCY COURT CONDUCTED TWO HEARINGS
At both the January 19 and March 30 hearings, the Court made certain findings, conclusions, and rulings regarding the Motion, all of which the Court now incorporates by reference into this opinion. At the conclusion of the March 30 hearing, the Court took the Motion under advisement.
IS YOUR CASE IN THE EASTERN DISTRICT OF MICHIGAN BANKRUPTCY COURT? BANKRUPTCY FLINT / BAY CITY ,ATTORNEY POSTING BY Flint / Bay City Bankruptcy Attorney Terry R. Bankert 810-235-1970. http://www.attorneybankert.com
Written in SEO format and modified
One of the issues to be decided concerns the Bankruptcy Code’s definition of “domestic support obligation.” That definition requires, among other things, that in order for a debt to be a “domestic support obligation,” the debt must be “owed to or recoverable by — (I) a spouse, former spouse, or child of the debtor or such child’s parent, legal guardian, or responsible
relative; or (ii) a governmental unit.” 11 U.S.C. § 101(14A)(A).
SOUTHERN DIVISION, In re: Case No. 10-74187, THOMAS F. MURPHY, Chapter 7 Debtor. Judge Thomas J. Tucker, Signed on April 5, 2011 Partial source
In this case, the Debtor,Thomas Murphy, argues that the debt in question does not meet this requirement, and therefore is not a domestic support obligation. The creditor, Dayna Milbrand, argues the opposite.
MACOMB COUNTY DIVORCE ORDERED ATTORNEY FEES
The facts relevant to this issue are undisputed. The debt in question arises from the Consent Judgment of Divorce that was entered by the Macomb County Circuit Court on April 9,2009 (the “Judgment”).1 The Judgment divorced the Debtor from Stacey Murphy. It contained
numerous provisions, including a provision requiring Debtor to pay attorney fees to Dayna Milbrand in the amount of $2,500.00. Ms. Milbrand was Stacey Murphy’s attorney in the divorce case.
IT IS FURTHER ORDERED AND ADJUDGED that [Thomas
Murphy] shall pay attorney fees to Dayna Milbrand in the amount
of $2,500.00, by cashing in one of his 401(K) related assets to
make said payment, within sixty (60) days from the entry of this
Judgment of Divorce. Upon failure to pay said sum then such
amount can be collected through all collection remedies available
at law, as if these funds were a Judgment.
IT IS FURTHER ORDERED AND ADJUDGED that each party
shall pay their own attorney fees and costs associated with this
divorce action.2
The Judgment also contains a section labeled “Non-Dischargeability,” which states:
IT IS FURTHER ORDERED AND ADJUDGED that [Stacey
Murphy and Thomas Murphy] acknowledge that by assuming their
individual share of the marital debts that they have under this
property settlement, they have assumed all domestic obligations
which are not dischargeable under the Bankruptcy Code 11 USC
1328(B)(5). In the event either party discharges or attempts to
discharge in bankruptcy any debt for which any creditor then seeks
to sue or compel payment or receives judgment against for the
discharged debt from the non-bankrupt party, then the bankrupt
party shall indemnify the other party in full for any liability
incurred.3
ATTORNEY GAVE CLIENT FOR FEES OPPOSITE PARTY ORDERED TO PAY
When the Judgment was entered, Dayna Milbrand gave her client, Stacey Murphy, a credit on her attorney fee bill for the $2,500.00 that Debtor was required to pay to Ms. Milbrand.
DEBTOR DID NOT PAY THE ATTORNEY FEES
Debtor did not pay the $2,500.00 attorney fee debt to Dayna Milbrand. Nor did he reimburse Stacey Murphy in any amount for these attorney fees.
ATTORNEYS CLIENT FILED FOR BANKRUPTCY. ANY OBLIGATION TO HER ATTORNEY WAS DISCHARGED
Stacey Murphy filed her own Chapter 7 bankruptcy case in this Court, on June 2, 2010 (Case No. 10-58179). The parties agree that the discharge that Stacey Murphy received in that case, on September 14, 2010,4 discharged any debt that Stacey Murphy may have had for attorney fees to Dayna Milbrand.
DEBTOR THEN FILED HIS BANKRUPTCY
Debtor filed a voluntary Chapter 7 bankruptcy petition on November 9, 2010, commencing this case.
ATTORNEY IGNORED THE AUTOMATIC STAY AND FILED IN STATE COURT TO GET ATTORNEY FEES
Dayna Milbrand then filed a motion in the Macomb County Circuit
Court, on December 6, 2010, seeking to enforce Debtor’s obligation to pay her the $2,500.00 attorney fees.5 Ms. Milbrand filed her motion in state court without seeking or obtaining relief from the automatic stay in this Court. Debtor’s present Motion followed.
BANKRUTPCY QUESTION ARE ATTORNEY FEES DOMESTIC SUPORT AND EXEMPT FROM BANKRUPTCY. COURT SAYS NO
C. Discussion After considering the arguments of the parties and surveying the case law on the issue, the Court concludes that the Debtor’s obligation under the Judgment to pay $2,500.00 in attorney fees to Dayna Milbrand cannot be deemed a “domestic support obligation,” because it is not a
debt “owed to or recoverable by — (I) a spouse, former spouse, or child of the debtor or such child’s parent, legal guardian, or responsible relative; or (ii) a governmental unit.” 11 U.S.C. §
101(14A)(A).
THE ATTORNEY ALLOWED IT TO BE A DEBT TO THE ATTORNEY
The debt in question is owed to Dayna Milbrand, and she is not one the entities listed in this statute. The debt is not “owed to or recoverable by” Debtor’s “former spouse,” Stacey Murphy, because Stacey Murphy is not liable to Dayna Milbrand for the $2,500.00 in attorney fees in question, and cannot possibly ever become liable for such fees, in the event the
Debtor Thomas Murphy fails to pay them.
ATTORNEY ACKNOWLEDGES CLIENTS BANKRUPTCY ABSOLVED OBLIGATION
As Ms. Milbrand correctly acknowledges, the discharge that Stacey Murphy received in her bankruptcy case on September 14, 2010 discharged
any debt that Stacey Murphy may have had for attorney fees to Dayna Milbrand. Thus, from well before the date on which the Debtor Thomas Murphy filed this bankruptcy case, the “former spouse,” Stacey Murphy, could not held liable or otherwise be adversely affected if the Debtor
failed to pay Ms. Milbrand the $2,500.00 in fees. And the indemnification clause in the Judgment, quoted above, could not apply to give Stacey Murphy a right to any relief against the Debtor Thomas Murphy, because Stacey Murphy cannot possibly “incur” any “liability” for Ms.
Milbrand’s fees, due to Ms. Murphy’s bankruptcy discharge.
IT IS NOT A DOMESTIC SUPPORT OBLIGATION
In this situation, the debt in question cannot be deemed to be “owed to or recoverable by” the former spouse Stacey Murphy, within the meaning of the § 101(14A)(A) definition of “domestic support obligation,” because Stacey Murphy is not liable, and can never be liable, for
the attorney fees in question. This Court agrees with what the court in Kassicieh v. Battisti (In Kassicieh), 425 B.R. 467, 477-81 (Bankr. S.D. Ohio 2010) called the “third line of authority” on this question. Under that view of § 101(14A)(A), and its predecessor, the pre-2005 version of 11
U.S.C. § 523(a)(5),
The debt must be in the nature of support, but also must be a debt
to the former spouse or child. This ‘‘debt to’’ element can be
satisfied when the obligation is payable directly to a third party,
typically a professional who provided services to benefit the wife
or child, but only if the former spouse is also obligated for the fees.
425 B.R. at 478 (emphasis added by the Kassicieh court)(quoting Simon, Schindler & Sandberg,
LLP v. Gentilini (In re Gentilini), 365 B.R. 251, 256 (Bankr. S.D. Fla. 2007). See also In re
Johnson, 397 B.R. 289, 296 (Bankr. M.D.N.C. 2008).
DEBTOR FILED BANKRUTPCY AND DEBT OWED TO ATTORNEY WAS NOT DOMESTIC SUPPORT
It follows that the Debtor’s debt under the Judgment — his obligation to pay $2,500.00 in attorney fees to Dayna Milbrand — is not a “domestic support obligation.” As a result, the Court must reject Ms. Milbrand’s argument that 11 U.S.C. § 362(b)(2)(B) applies to her action in filing
her state court motion against Debtor.
The Court also must reject Ms. Milbrand’s argument that her state court motion is covered by 11 U.S.C. § 362(b)(3). Ms. Milbrand’s filing of her state court motion was not an “act to perfect, or to maintain or continue the perfection of, an interest in property . . .” within the
meaning of § 362(b)(3). Ms. Milbrand had no “interest in [any] property” of the Debtor, Thomas Murphy before Mr. Murphy filed bankruptcy or when Ms. Milbrand filed her state court motion.
ATTORNEY INTENTIONALLY VIOLATED THE AUTOMATIC STAY
Based on the foregoing, and based on the other findings, conclusions, and rulings that the Court made during the January 19 and March 30 hearings on the Motion, the Court finds and concludes that Dayna Milbrand willfully violated the automatic stay when she filed her state court motion on December 6, 2010 and pursued that motion. Ms. Milbrand was aware of Debtor
Thomas Murphy’s bankruptcy case when she filed her state court motion, and the filing and prosecution of that motion violated the automatic stay under 11 U.S.C. § 362(a)(1), (a)(2), and (a)(6). Debtor is entitled to appropriate relief under 11 U.S.C. § 362(k)(1).
The Court will enter an order for further, appropriate proceedings on Debtor’s Motion.
Signed on April 5, 2011 /s/ Thomas J. Tucker
If you have questions contact Terry Bankert a Bankruptcy attorney who helps you file for bankruptcy. 810-235-1970
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