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February 18, 2019
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Archives |
When Life Backs Chapter 13 Debtors Into A Corner, § 1329 May Provide A Way Out Of Trouble And A Shorter Path To Discharge
“ . . ., bankruptcy courts are split as to whether above-median income debtors who experience a negative change in their financial circumstances after plan confirmation are able to modify the plan to reduce the term of the plan below 60 months without full repayment to unsecured claims.”
Arbitration in Bankruptcy: Reading Opinions & Tea Leaves in Recent Supreme Court & Lower Court Actions – Part II: More Supreme Court Action on Arbitration
In this series of articles, Larry Ahern selects several recent decisions addressing the effect of arbitration clauses. He starts with three cases presented to the Supreme Court in 2018, including one decided after Part I of this series was published.
Stay tuned for Part III – Mr. Ahern will consider what guidance may be found in the caselaw to date, especially as it relates to core proceedings, like student loan dischargeability disputes.
Note Correction to Part I of this Series
Part I has been corrected since its original publication on January 21. In the Conclusion, the phrase “to extend that commitment” has been amended to read “not to extend that commitment.” Thanks to Mark Leffler for noting the typographical error.
See also:
Applying a U.S. District Court’s Local Mediation Rule in Bankruptcy Court: Iowa & Minnesota Examples
Mediation as “Entirely-Voluntary”: An Unexamined Value That’s Not Worth Keeping
Farmers and Chapter 12
In Debt and Out of Options, Thousands of Dairy Farmers Turn to GoFundMe for Bailout
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Want to learn more about Chapter 12?
On July 15 & 16 (just prior to the NACTT Conference) the Association of Chapter 12 Trustees (Act2) will host a day and a half seminar on all things Chapter 12.
Register NOW! |
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Study of Continued Interest
Personal Bankruptcy Decisions Before and After Bankruptcy Reform
Abstract – We examine the personal bankruptcy decisions of lower-income homeowners before and after the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Econometric studies suggest that personal bankruptcy is explained by financial gain rather than adverse events, but data constraints have hindered tests of the adverse events hypothesis. Using household level panel data and controlling for the financial benefit of filing, we find that stressors related to cash flow, unexpected expenses, unemployment, health insurance coverage, medical bills, and mortgage delinquencies predict bankruptcy filings a year later. At the federal level, the 2005 Bankruptcy Reform explains a decrease in filings over time in counties that experienced lower filing rates.
UST Has Multiple Trustee Positions Posted
Chapter 13
Location: Southern District of Ohio, Dayton
Application Due: March 19, 2019
Location: Eastern District of Texas, (Tyler, Marshall, Lufkin and Beaumont Divisions)
Application Due: March 1, 2019
Location: Northern District of Ohio, (Eastern Division, Akron)
Application Due: March 11, 2019
Location: Northern District of Ohio, (Western Division, Toledo)
Application Due: March 11, 2019
About Income Tax Changes
Tax code changes leave Americans asking, ‘What happened to my refund?’ – “If I were to estimate, two-thirds will pay more than they thought and one-third will get more than they thought,” said one tax preparer.
Top Senate Tax Writer Says GOP Will Not Tweak State and Local Deduction Limits
For Your Blog
Fastest Way to Check Tax Refund Is ‘Where’s My Refund?’ Tool at IRS.Gov
Offering time-saving alternatives to a telephone call, the IRS reminds taxpayers they can get fast answers to their refund questions by using the “Where’s My Refund?” tool available on IRS.gov and through the IRS2Go app.
And, did you know that . . . By law, the IRS cannot release tax refunds for Earned Income Tax Credit or the Additional Child Tax Credit related tax returns before mid-February. “Where’s My Refund?” will be updated by Feb. 23 for most early filers who claimed the EITC or ACTC. These taxpayers will not see a refund date on “Where’s My Refund?” or through their software packages until then. The earliest EITC and ACTC related refunds should be available in taxpayer bank accounts and debit cards starting Feb. 27, if taxpayers used direct deposit and there are no other issues with their tax returns.
Sanctions and Irony and Fraud, Oh My!
In Case You Missed It . . .
Meet Another Trustee
In June of 2017 Michele T. Hatcher was appointed Chapter 13 Standing Trustee for the Northern District of Alabama, Northern Division.
MORTGAGES AND DEEDS OF TRUST (Not password protected)
Article: Historic Bronx Church Wins Bankruptcy Settlement Ahead of Second Circuit Argument – First Union Baptist Church was fighting to keep an adverse bankruptcy decision from resulting in its deed reverting to control of its creditor.
IN THE NEWS (Not password protected)
OF INTEREST (Not password protected)
Nassar Survivor on USA Gymnastics Bankruptcy Hearing: This was one big ‘I don’t know’
Laid-Off GM White-Collar Workers: Don’t make these financial mistakes
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February 11, 2019
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Archives |
Acquisition of Post-Confirmation Property in Chapter 13: What Remains of the Estate?
“Courts around the county are split on whether property acquired post-chapter 13 confirmation remains property of the estate or vests in the debtor for all purposes absent contrary language in the plan or confirmation order under 11 U.S.C. § 1327(b).”
Chapter 12 and the Challenge of the New Farm Crisis (Reprinted with permission from the ABI Journal, Vol. XXXVIII, No. 2, February 2019)
“The Most Powerful – Yet Most Underutilized – Chapter of the Code”
“If your firm does small business chapter 11 or 13 cases, but you have never handled a chapter 12 case, it is worth consider¬ing. There are a lot of farmers and fishermen out there. Their businesses tend to be highly leveraged, and they operate under tremendous financial and physical risks. Very few of them realize what Congress did to help them three decades ago.”
See also:
Farmer Bankruptcies Swell to Decade High in Farm Belt
Farmers Nearing Crisis Push Back on Trump Trade Policies – Low prices, trade wars and higher interest rates are depressing farm incomes.
And note Act2’s new Twitter account – @farmfreshstart
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Want to learn more about Chapter 12?
On July 15 & 16 (just prior to the NACTT Conference) the Association of Chapter 12 Trustees (Act2) will host a day and a half seminar on all things Chapter 12.
Register NOW!And note Act2’s new Twitter account – @farmfreshstart |
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Meet Another Trustee
In June of 2017 Michele T. Hatcher was appointed Chapter 13 Standing Trustee for the Northern District of Alabama, Northern Division.
UST Has Multiple Trustee Positions Posted
Location: Southern District of Ohio, Dayton
Application Due: March 19, 2019
Location: Eastern District of Texas, (Tyler, Marshall, Lufkin and Beaumont Divisions)
Application Due: March 1, 2019
Location: Northern District of Ohio, (Eastern Division, Akron)
Application Due: March 11, 2019
Location: Northern District of Ohio, (Western Division, Toledo)
Application Due: March 11, 2019
Worth repeating . . .
Eviction Diversion Programs and Chapter 13 Bankruptcy
“With the publication of Evicted: Poverty and Profit in the American City, author Matthew Desmond has brought increasing attention both nationwide and in North Carolina to the growing eviction crisis.”
About Income Taxes
- Why Millions of People Are Getting Hit with a Surprise Tax Bill This Year – An effort to make the tax bill look better ended up making it look worse.
For Your Blog
- Credit Errors Upend Lives of Thousands of Consumers – Lawsuits accuse Equifax of not properly investigating disputes, despite laws and settlements about the issue dating back decades.
- Stuck in Student Loans? Don’t blow your tax refund — here are 4 smart ways to spend it
Student Loan Chronicles
- Student Loan Debt Burdens Boomers as Well as Millennials – Baby boomers 60 or older are the fastest-growing category of student loan debtors, Guardian Life reports.
Sanctions and Irony and Fraud, Oh My!
- Developer Behind $58M Ponzi Scheme Sells Manhattan Properties at Auction – Michael D’Alessio could lose more than $50M in assets to the Feds
- A Chapter 13 case. You WANT to read this one . . .Belleville Resident Pleads Guilty to Falsifying a Record in Bankruptcy Proceeding
In Case You Missed It . . .
Critical Case Comment
Where a Chapter 13 plan provides that a mortgage payment will be paid “outside the plan,” the plan does not “provide for” the mortgage payment and, accordingly, the discharge under § 1328 is not applicable to the mortgage obligation.
IN THE NEWS (Not password protected)
OF INTEREST (Not password protected)
BY THE NUMBERS (Not password protected)
New Medical Bankruptcy Study: Two-thirds of filers cite illness and medical bills as contributors to financial ruin
MILITARY MATTERS (Not password protected)
Chapter 13 related: Why Does the Bankruptcy Code Discriminate Against Disabled Veterans?
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February 4, 2019
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Archives |
Critical Case Comment
Where a Chapter 13 plan provides that a mortgage payment will be paid “outside the plan,” the plan does not “provide for” the mortgage payment and, accordingly, the discharge under § 1328 is not applicable to the mortgage obligation.
Avoidance Powers in Chapter 13 – Part 6 of 6
Judge Gustafson concludes his exploration of Avoidance Powers looking at the hypothetical liquidation for the best interest test? Thank you Judge Gustafson for such a detailed outline.Click here for Part 1 of 6
Click here for Part 2 of 6
Click here for Part 3 of 6
Click here for Part 4 of 6
Click here for Part 5 of 6
Click here for Part 2 of 6
Click here for Part 3 of 6
Click here for Part 4 of 6
Click here for Part 5 of 6
Eviction Diversion Programs and Chapter 13 Bankruptcy
“With the publication of Evicted: Poverty and Profit in the American City, author Matthew Desmond has brought increasing attention both nationwide and in North Carolina to the growing eviction crisis.”
The NACTT annual conference will be one of the best, EVER. DON’T MISS IT. All your favorites* will be offered but new topics such as the successfulness, or not, of loss mitigation programs will be discussed.
*Note that the Annual Case Law Update will be Friday AFTERNOON. Reminder, the conference is Wednesday, Thursday and Friday.
From the IRS
Here’s What Taxpayers Should Consider When Determining If They Need to File
“For tax year 2018, all individual taxpayers will file using the new Form 1040. Forms 1040A and 1040EZ are no longer available. Taxpayers who previously filed these forms will now file Form 1040.”
From the National Consumer Bankruptcy Rights Center
Court Rejects Nonstandard Provision for Retention of Tax Refund
For Your Blog
- The 53 Best Customer Rewards Programs – From fast food restaurants to pharmacies, these are the most recommended store rewards programs around. Score freebies, coupons, and other perks!
Student Loan Chronicles
- Fall Behind on Your Student Loans? You could lose your license to work. Texas lawmakers want to change that.
Sanctions and Irony and Fraud, Oh My!
- A Chapter 13 case. You WANT to read this one . . . Belleville Resident Pleads Guilty to Falsifying a Record in Bankruptcy Proceeding
- Man Sentenced in 2002 for 9-Year Fraud Scheme Faces More Prison Time for Hiding Financial Activities
- More Than 770 Million Emails and Passwords Exposed in Massive Breach – Some cybersecurity experts are calling this one of the largest breaches ever
- More than 8,000 Investors Were Misled by this $1.2B Ponzi Scheme – Here’s how to spot a fraud
In Case You Missed It . . .
Pump the Brakes: Bad Faith Debtors Are Not Gaming the System Part 2
“This decision has understandably created concern among those who care about the integrity of Chapter 13, leading some to suggest that the Code and Rules don’t do enough to prevent bad faith debtors from reaping the benefits of the discharge.”Click here for Part 1
Click here for Yet Another Arrow in the Quiver of the “Less Than Honest Debtor”? – The District Court of Kansas has lowered the bar of acceptable conduct by Debtors to a new, unimaginable low. “The policy implications of this holding are greatly distressing.”NOTE: Commentary Posted at End of Article (scroll to the bottom of the article page and look for ‘Comments’)
Click here for Yet Another Arrow in the Quiver of the “Less Than Honest Debtor”? – The District Court of Kansas has lowered the bar of acceptable conduct by Debtors to a new, unimaginable low. “The policy implications of this holding are greatly distressing.”NOTE: Commentary Posted at End of Article (scroll to the bottom of the article page and look for ‘Comments’)
MORTGAGES AND DEEDS OF TRUST (Not password protected)
Report: Foreclosures Down 6% in 2018
Article: Sales Down 6.4% in December
OF INTEREST (Not password protected)
Robocallers Blasted Americans with 26.3 Billion Spam Calls Last Year – Robocalls are up 46 percent from 2017
MILITARY MATTERS (Not password protected)
Millions of GI Bill Dollars Are Going to Questionable Schools — and it could soon be billions: VA watchdog
DEBT AND THE ECONOMY (Not password protected)
HEALTHCARE IN THE NEWS (Not password protected)
Taken for a Ride: Your medical emergency could end in bankruptcy
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January 28, 2019
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Archives |
Pump the Brakes: Bad Faith Debtors Are Not Gaming the System Part 2
“This decision has understandably created concern among those who care about the integrity of Chapter 13, leading some to suggest that the Code and Rules don’t do enough to prevent bad faith debtors from reaping the benefits of the discharge.”Click here for Part 1
Click here for Yet Another Arrow in the Quiver of the “Less Than Honest Debtor”?
– The District Court of Kansas has lowered the bar of acceptable conduct by Debtors to a new, unimaginable low. “The policy implications of this holding are greatly distressing.”NOTE: Commentary Posted at End of Article (scroll to the bottom of the article page and look for ‘Comments’)
Avoidance Powers in Chapter 13 – Part 5 of 6
Judge Gustafson continues his exploration of Avoidance Powers, answering the question: Does the trustee having avoidance powers create a corresponding duty to use them?Click here for Part 1 of 6
Click here for Part 2 of 6
Click here for Part 3 of 6
Click here for Part 4 of 6
Click here for Part 2 of 6
Click here for Part 3 of 6
Click here for Part 4 of 6
The Government Shutdown and Chapter 13 Plan Arrearages -What Do We Do Now?
Many of you have asked for guidance. Here, Trustee Sensenich offers options for trustees and practitioners in these uncharted waters.Be sure to note the comments at the very bottom of the article page and feel free to enter your own.
From the IRS
From the National Consumer Bankruptcy Rights Center
From the Courts
For Your Blog
Sanctions and Irony and Fraud, Oh My!
IN THE ‘OH MY’ CATEGORY (Not password protected)
China Launches App That Tells You If You Are Within 500 Yards Of Someone In Debt – And encourages you to report them if they seem capable of paying up
BY THE NUMBERS (Not password protected)
DEBT AND THE ECONOMY (Not password protected)
MILITARY MATTERS (Not password protected)
CFPB seeking compliance authority on military lending
Bureau asks Congress for “clear authority to supervise” military lending compliance
Bureau asks Congress for “clear authority to supervise” military lending compliance
OF INTEREST (Not password protected)
FOR YOUR HEALTH (Not password protected)
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January 21, 2019
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Archives |
Martin Luther King Jr. – A look back at the life of an American icon
Arbitration in Bankruptcy: Reading Opinions & Tea Leaves in Recent Supreme Court & Lower Court Actions
In his next articles, Larry Ahern selects several recent decisions addressing the effect of arbitration clauses, starting with two cases presented to the Supreme Court in 2018, and considers what guidance may be found in the caselaw to date, especially as it relates to student loan dischargeability arbitration.
Avoidance Powers in Chapter 13 – Part 4 of 6
Judge Gustafson continues his exploration of Avoidance Powers, this week taking a deeper dive into the case law on the avoidance powers of the chapter 13 debtors.Click here for Part 1 of 6
Click here for Part 2 of 6
Click here for Part 3 of 6
Click here for Part 2 of 6
Click here for Part 3 of 6
Meet Another of the New Trustees
On October 1, 2018, Dynele L. Schinker-Kuharich was appointed as a Chapter 13 Standing Trustee for the Northern District of Ohio replacing retiring Toby Rosen who served in this position for 30 years.
Northern District of MS Welcomes New Judge
Investiture Ceremony Honors Local Bankruptcy Court’s Newest Judge
From the National Consumer Bankruptcy Rights Center
From the Courts
For Your Blog
Student Loan Chronicles
MORTGAGES AND DEEDS OF TRUST (Not password protected)
Cash-Out Mortgage Refinancing: Here’s where homeowners are using it most
MILITARY MATTERS (Not password protected)
OF INTEREST (Not password protected)
Air Traffic Controllers Union: Flying is ‘less safe today than it was a month ago’
Democrats Move to Prevent Foreclosures, Evictions on Unpaid Federal Workers 22 Democrats introduce legislation to protect federal workers
BY THE NUMBERS (Not password protected)
DEBT AND THE ECONOMY (Not password protected)
FOR YOUR HEALTH (Not password protected)
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January 14, 2019
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Archives |
Pump the Brakes: Bad Faith Debtors Are Not Gaming the System Part 1 of 2
This article will examine the Holman case further, but it does not believe Holman is cause for alarm. Posted this week is part one of a two part article.
From the Editor
Bankruptcy Protections Limited for Repeat Filers
Judge Brown takes a quick look at a recent First Circuit decision.
Avoidance Powers in Chapter 13 – Part 3 of 6
Judge Gustafson continues his exploration of Avoidance Powers, this week looking at § 522(h) & (g) and the statutory basis for, and against, chapter 13 debtors exercising avoidance powers.Click here for Part 1 of 6
Click here for Part 2 of 6
Click here for Part 2 of 6
Meet One of Our Newest Trustees
Jason Wilson-Aguilar was appointed as the Chapter 13 Standing Trustee for Western District of Washington, Seattle Division, effective on October 2, 2018
From the National Consumer Bankruptcy Rights Center
9th Circuit Clarifies Appellate Attorney’s Fees in Sanctions Case
“ . . . the Ninth Circuit Court of Appeals reversed the judgment of the District Court.”
From the Supreme Court
- Can You Be Held in Contempt for Obeying a Court Order? The U.S. Supreme Court Will Decide
- SCOTUSblog: Is Foreclosure Debt Collection?
For Your Blog
Affected by the Shutdown? The Do’s and Don’ts
Sanctions and Irony and Fraud, Oh My!
- ‘Restitution comes first:’ Judge cuts twins’ prison sentence for $18 million Ponzi scheme
- Consumer Diary: Collection agency amasses complaints
IN THE NEWS (Not password protected)
MORTGAGE MATTERS (Not password protected)
Article: Applications Up 23%!
Article: How Shutdown Affects Mortgages
Article: Rates Dip to Start 2019
Article: When the Lender Makes Mistakes
MILITARY MATTERS (Not password protected)
Coast Guard Only Military Branch Going Without Pay During Shutdown – Northeast Florida Coast Guard families feeling pinch of no paychecks
BY THE NUMBERS (Not password protected)
HEALTHCARE IN THE NEWS (Not password protected)
Health Care Industry Spends $30 Billion a Year on Marketing – Critics say patients are often misled by ads that advocate high-priced drugs, unapproved stem cell treatments or genetic tests.
DEBT AND THE ECONOMY (Not password protected)
‘This is Ridiculous’: Small-business owners can’t get loans as shutdown enters Day 20
As Government Shutdown Goes On, Workers’ Finances Fray: ‘Nobody Signed Up for This’
Economist: Expect General Motors to lay off even more Michigan workers
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January 7, 2019
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Archives |
Yet Another Arrow in the Quiver of the “Less Than Honest Debtor”?
The District Court of Kansas has lowered the bar of acceptable conduct by Debtors to a new, unimaginable low. “The policy implications of this holding are greatly distressing.”
Avoidance Powers in Chapter 13 – Part 2 of 6
Judge Gustafson continues his exploration of Avoidance Powers, looking at the case law and
working backward from the rest of the Code to Chapter 13.Click here for Part 1 of 6
working backward from the rest of the Code to Chapter 13.Click here for Part 1 of 6
Passing of Former Clerk
Passing of Bankruptcy Judge – Update
- Coroner: Bankruptcy judge’s death a suicide
- Posted 11/26/18: Federal Bankruptcy Judge Hon. Laurel E. Babero Dies in Courthouse
From the Courts
Courts Endure Rough Storm Season
From the IRS
IRS Issues Standard Mileage Rates For 2019
Beginning on Jan. 1, 2019, the standard mileage rates for the use of a car (also vans, pickups or panel trucks) will be:
- 58 cents per mile driven for business use, up 3.5 cents from the rate for 2018,
- 20 cents per mile driven for medical or moving purposes, up 2 cents from the rate for 2018, and
- 14 cents per mile driven in service of charitable organizations.
However, it is important to note that under the Tax Cuts and Jobs Act, taxpayers cannot claim a miscellaneous itemized deduction for unreimbursed employee travel expenses.
Student Loan Chronicles
- Navient Audit: Borrowers May Have Paid More for Student Loans
- (Not just another saga but a potential primer on how to succeed) A Teacher’s Long Road to Student Loan Forgiveness (and a $4,500 Surprise)
For Your Blog
Sanctions and Irony and Fraud, Oh My!
MORTGAGE MATTERS (Not password protected)
MILITARY MATTERS (Not password protected)
This Federal Program Wipes Away Disabled Vets’ Student Debt – They’re defaulting on their loans anyway
Stolen Valor Meets Fake News: Facebook trolls targeting vets
OF INTEREST (Not password protected)
Newly-Proposed Bankruptcy Legislation (“Small Business Reorganization Act”) Needs To Be Enacted ASAP
Mike Isabella’s Restaurant Empire Is Headed For Liquidation – He blames ‘bad press’
DEBT AND THE ECONOMY (Not password protected)
Government Shutdown – Employees lose not only paychecks but paid time off, too
(A wave of the future?) School Turns Students’ Lunch Debt Over to Collection Agency
Debt Collector Reaches Settlement with 41 States – Thousands of consumers will have debts forgiven
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December 31, 2018
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Archives |
Avoidance Powers in Chapter 13 – Part 1 of 6
Judge Gustafson kicks off the new year (well, end of the old!) with an excellent six part outline on avoidance powers.
From Credit Slips
A couple of humorous posts we think you will enjoy:
Student Loan Chronicles
- More Than 41,000 Public Service Workers Sought Federal Student Loan Forgiveness – Government Approved 206
Sanctions and Irony and Fraud, Oh My!
- Westerville Lawyer Suspended for Sexual Affair with Client. . . and failing to file a bankruptcy
- Gary Frank Saga Hits New Phase – His firm is sold for a pittance as he faces loan fraud charges
MILITARY MATTERS (Not password protected)
OF INTEREST (Not password protected)
DEBT AND THE ECONOMY (Not password protected)
HEALTHCARE IN THE NEWS (Not password protected)
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December 24, 2018
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Archives |
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December 17, 2018
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Archives |
Amendments to Remaining Rules of Procedure Related to Bankruptcy Appeals Effective December 1, 2018
This month saw amendments to 16 bankruptcy rules, as well as a new rule and Appendix in Part VIII. Some of these changes are of more interest to the Chapter 13 community than others and were the subject of analyses by Larry Ahern published here before their December 1 effective date, including Rule 8011, dealing with electronic filing and service.His analyses continue this week with the remaining changes in Part VIII.See also:
- Electronic Filing Comes of Age – Part I: Revised Bankruptcy Rule 5005
- Electronic Filing Comes of Age – Part II: Revised Bankruptcy Rule 8011 and Civil Rule 5
- Late-Filed Secured Claims After the 12/01/2017 Rule Changes
- December 1 Approaches (Again): Home Equity Lenders Get a Break and Other Changes to Rule 3002.1
Give Me Back My Car! Recent Cases Highlight Circuit Split over Whether Failure to Return Repossessed Property Violates the Automatic Stay
“Whether a lender is required to turnover repossessed property immediately after a debtor files a Chapter 13 petition – and whether the failure to return that property is a violation of the automatic stay – is an issue that deeply divides the circuits and may be headed to the Supreme Court for review.”
Cars & Bankruptcy: What You Must Know to Get It Right
Think you know how to handle cars and their loans in the Schedules? Are you sure you are doing it right?“It’s time for a summary and refresher on dealing with car loans in bankruptcy. Somehow, my staff hit a wall this week on what information we needed about cars and car loans. So, here’s my roadmap to cars in bankruptcy.”
From the Courts
Judges: Separation of Powers Protects Bill of Rights
In a new, five-minute video, federal judges offer insights into their thinking about the separation of powers and describe how healthy tensions among the branches have a stabilizing effect on democracy.Current Rules of Practice & Procedure
Detailed information regarding the December 1, 2018, amendment.
In a new, five-minute video, federal judges offer insights into their thinking about the separation of powers and describe how healthy tensions among the branches have a stabilizing effect on democracy.Current Rules of Practice & Procedure
Detailed information regarding the December 1, 2018, amendment.
For Your Blog
Taxpayers Can Now Instantly Get Tax Info on Instagram
The IRS also has their own app, IRS2Go. Taxpayers can use this free mobile app to check their refund status, pay taxes, find free tax help, watch IRS YouTube videos and get IRS Tax Tips by email. Like Instagram, the IRS2Go app is available from the Google Play Store for Android devices, or from the Apple App Store for Apple devices. IRS2Go is available in both English and Spanish.
Sanctions and Irony and Fraud, Oh My!
MORTGAGE MATTERS (Not password protected)
FreddieMac: Rates Dip, Applications Up
FreddieMac: Inventory Short for Years to Come
Credit Slips: 10 Years After the Foreclosure Crisis
MILITARY MATTERS (Not password protected)
Making a PCS Move from Overseas? Your Social Security number and other personal data might be at risk.
OF INTEREST (Not password protected)
DEBT AND THE ECONOMY (Not password protected)
What’s Under the Tree This Year? Bigger Credit Card Bills – Tax experts warn that changes to IRS withholding tables mean people could get a smaller tax refund — and less money to pay off that holiday spending tab.
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December 10, 2018
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Archives |
Watch the Clock – Timing of Appeals
“A recent decision out of the Sixth Circuit may bring some much needed clarity to the situation.”
American College of Bankruptcy Elects Chapter 13 Trustee Marie Ann Greenberg as a Fellow
“Marie-Ann is one of 36 inductees to this year’s class and joins 12 other Chapter 13 Trustees . . .”
From the IRS
Strong Passwords Help Protect Accounts Against Cybercriminals
- Passwords like – “uE*s3P%8V)” – are out. Longer, personal phrases people can remember – for example, SunWalkRainDrive – are now preferred.
Employers Should Be Aware of W-2 Scam, Protect Employee Information
Farms in the News
Student Loan Chronicles
- She Took Out $20,000 In Loans For Her Son’s College – Then he went blind
Sanctions and Irony and Fraud, Oh My!
- After Microsoft Complaints, Indian Police Arrest Scammers at 26 Call Centers – Indian police raid 26 call centers, make 63 arrests
IN THE NEWS (Not password protected)
MORTGAGE MATTERS (Not password protected)
Housingwire.com: Affordability vs Inventory
Article: In a Down Mortgage Lending Market, Subprime Stays Positive – Transunion reports rise in subprime originations
MILITARY MATTERS (Not password protected)
OF INTEREST (Not password protected)
Verdict Is In: Food Stamps Put Poor Kids on Path to Success – Long-term evidence starting in the 1960s now shows that government support in childhood reduces the need for welfare in adulthood.
FOR THE ACADEMIC SET (Not password protected)
DEBT AND THE ECONOMY (Not password protected)
Millennials are Killing Countless Industries — but the Fed says it’s mostly just because they’re poor
America Is Poorer Than It Thinks — Statistics don’t quite capture the extent of U.S. poverty. A new measure could change that.
US HEALTH CARE (Not password protected)
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December 3, 2018
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Archives |
Late-Filed Secured Claims After the 12/01/2017 Rule Changes
“Attorneys for debtors and creditors need to be aware of the law and customs in their local jurisdictions.”
Eastern District of Wisconsin Bankruptcy Appoints Judge
Congratulations Katherine Maloney Perhach who was the chair of Quarles & Brady’s Financial Institutions Litigation Practice Group and a leader of the firm’s Financial Services Industry Team.
Farms in the News
- Penny for Your Corn? Stingy trade-war aid irks U.S. farmers
From the National Consumer Bankruptcy Rights Center
For Your Blog
- When to Contact Your Student Loan Servicer – Sometimes borrowers need to be proactive about reaching out to their servicer
IN THE NEWS (Not password protected)
The Problem with Charitable Giving – Taxpayers should not have to subsidize rich people’s donations.
MORTGAGE MATTERS (Not password protected)
Article: The Other Housing Crisis: Cities where home prices are low because people have left
Article: A Tale of Two Fishers: Unsettling Ohio’s ‘Well-Settled Law’ on the Proper Statute of Limitations for Mortgage Foreclosure Actions
Article: Buying and Selling a Home Will Become More Difficult in 2019 – Affordability to diminish
Article: 5 Ways You Might Be Committing Mortgage Fraud – It carries a penalty of up to 30 years in jail or $1 million in fines.
OF INTEREST (Not password protected)
Protect Small Businesses from Predatory Lenders – Small business lending remains largely unregulated in the U.S., with no consistent requirements for clear disclosure of terms and interest rates.
Small New England City Was on the Verge of Bankruptcy – Now It’s a Turnaround Success Story
FOR THE ACADEMIC SET (Not password protected)
From Harvard.edu: Regulating Bankruptcy Bonuses (Chapter 11 issue)
DEBT AND THE ECONOMY (Not password protected)
General Motors, Sears and Toys R Us: Layoffs across America highlight our shredding financial safety net
US HEALTH CARE (Not password protected)
Overdoses, Bedsores, Broken Bones: What happened when a private-equity firm sought to care for society’s most vulnerable
FOR YOUR HEALTH (Not password protected)
