Empowering Consumer Bankruptcy Professionals Through Knowledge.

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ConsiderChapter13.org offers a forum to advance continuing education of consumer bankruptcy via access to insightful articles, informative webinars, and the latest industry news. Join now to benefit from expert resources and stay informed.

Webinars

These informative sessions are led by industry experts and cover a range of consumer bankruptcy topics.

Member Articles

Written by industry experts, these articles provide in-depth analysis and practical guidance on consumer bankruptcy topics.

Industry News

The Academy is the go-to source for the latest news and analysis in the Chapter 13 bankruptcy industry.

To get started, please let us know which of these best fits your current position:

Curated (Free) Selections

From the New York Time: They Were Ashamed About Their Debt. Bankruptcy Gave Them a Second Chance. (You will have to create an account to log in but can read this article free. Such a GREAT article – if only we could get this message out to the general public!)

CFPB Announces Return of $1.8 Billion in Illegal Junk Fees to 4.3 Million Americans Harmed in Massive Credit Repair Scheme - Payments to victims of Lexington Law and CreditRepair.com are the largest-ever distribution from the CFPB’s victims relief fund

CFPB Takes Action Against Climb Credit and Investment Firm 1/0 for Deceiving Borrowers About Coding Bootcamps and Vocational Programs - Companies illegally lured students in with false promises of quality education and job placement success stories

Coming Soon: Changes to PACER Case Locator (PCL) - Starting Dec. 8, 2024, when a user searches PCL for bankruptcy records by SSN/EIN on the Bankruptcy Search page, they must enter a last name or business name. This change will help enhance the performance and security of the system.

N.D. AL - Tuesday, December 10th, 2024, at 5:00 p.m., all ECF systems will be down – back online by 11:30 p.m. that evening.

S.D. CA - New Chapter 13 Guideline Fees for consumer and business cases – effective 1/1/25

C.D. IL - Updated Guide to Practice & Procedures is available on the Local Rules, Procedures & Standing Orders page of the Bankruptcy Court website.

S.D. IN - General Order 24-0004 Amending Local Bankruptcy Rules

D. MD - To view the Administrative Order implementing the amendments, a summary of the changes, and a redlined copy of the amended local rules and amended local forms, please click here.

E.D. PA - Amended Local Bankruptcy Rules and Forms effective December 1, 2024 have been posted to the court's website under News and Announcements.

E.D. VA - Comments are invited to amendments to Rules 6004-3 and 6004-4 of the Local Rules. In addition, comments are invited regarding revisions to the Court’s Chapter 13 Plan and Chapter 13 Confirmation Order. Comments due by 12/11.

W.D. TN - Request for Public Comments – 10/21/24 the Bankruptcy Judges approved publication of a proposed amended and restated Local Form for a Chapter 13 plan. The comment period ends 12/16/24.

This Week's Featured Articles

Copy of Hildebrand-2016
December 8, 2024
In a point-counter-point to Cathy Moran’s Saldana v. Bronitsky article from last week, Hildebrand brings a slightly different perspective to the case which now appears headed to the Supreme Court. See also: Early Christmas Present for Chapter 13 Bankruptcy Attorneys
Members
JamesDavis
December 8, 2024
The amendments to the Bankruptcy Rules that took effect on December 1, 2024, are primarily stylistic, but they do include a few substantive changes. More controversial changes are in the pipeline for December 2025, however, with significant changes to Rule 3002.1 proposed.
Members
William-1_print_2019
In bankruptcy cases, creditors are usually required to return payments made shortly before the debtor's filing. On Monday, in United States v. Miller, the justices considered whether this rule also applies to the IRS.
Members
bonapfel2
December 8, 2024
The Honorable Paul W. Bonapfel, United States Bankruptcy Court for the Northern District of Georgia, produces an extensive outline on Subchapter V. This is a FREE resource and is freshly updated!! Thank you Judge Bonapfel!

Current Articles

Hayes Jury
Members
moran_cathy
December 1, 2024
Stay tuned as next week we will bring you the Counter-Point to Moran’s POV.
Members
doj
December 1, 2024
Lisa L. Lambert has been appointed by Attorney General Merrick B. Garland as the U.S. Trustee for the Northern and Eastern Districts of Texas (Region 6). Lambert replaces Kevin M. Epstein, who filled the Region 6 role in an interim capacity and who continues to serve as the U.S. Trustee for the Southern and Western Districts of Texas (Region 7).
William-1_print_2019
The Ninth Circuit's recently carved out a narrow exception to the 30-day objection deadline for exemptions under Rule 4003(b)(1).
Members
moran_cathy
November 24, 2024
“Every extra dollar deduction you can wring out on bankruptcy’s means test is important. A dollar doesn’t sound like a lot, . . . Every $100 saves $6000. Get the picture?”
Members
Copy of Hildebrand-2016
November 24, 2024
This case is more than meets the eye at first glance. Chapter 13 debtor cannot be compelled to propose a plan that delays vesting.
Members

More Articles

grossman
November 24, 2024
The Honorable Robert E. Grossman of the Eastern District of New York has announced his retirement effective June 1 of next year.
moran_cathy
November 17, 2024
For nearly a year, I’ve been hanging out on a Facebook “bankruptcy support” group. It’s a world full of misunderstanding, fear, and anguish. But it’s also clear to me that our profession can learn some things from that stew, both individually and collectively. We need to work together to fix the disconnect. Ideas? We would love to hear them.
Members
Hayes Jury
November 17, 2024
Issue: Does the bankruptcy discharge terminate the right of a secured creditor to foreclose its lien on the debtor’s exempt homestead?
Members
robertrivera
November 17, 2024
“The VA created a program to capture missed payments and "put them to the end of the loan," but they eliminated it. . . . Many Veterans were forced to accept loan modifications that increased their payments. Those who didn't accept or were denied modifications were promised a new program, VASP.”
Members
scamalert
November 17, 2024
Thanks to the Administrative Office of Courts, here is an example of the fake emails you need to watch out for.
gendron-1
November 10, 2024
A new case has shed light on a common practice by mortgage companies -- denying Chapter 13 debtors access to online payment portals. This case brought to the forefront a significant issue for Chapter 13 debtors across the country—the need for accessible payment methods that allow them to stay current with their mortgage payments and successfully complete their repayment plans.
Members

Current Webinars

August 17, 2024
Presenters: Jody Bledsoe and Thom Hopper This webinar is directed to everyone involved in consumer bankruptcy.  Chapter 13 Standing Trustees...
Members
June 20, 2024
As we learned in Part 1 (Income)**, the quirks and quagmire of the means test are deep and wide! We...
Members
June 20, 2024
Moderator Honorable Daniel P. Collins will lead Trustee Diana Daugherty and Nicole Novak, Esq. in a discussion on the specific...
Members
May 14, 2024
This webinar features three distinguished experts in the legal realm of mortgage servicing - Michael J. McCormick, a seasoned senior...
Members
March 28, 2024
Join experts* Cathy Moran and Jill Michaux for a 90-minute discussion on cutting through the quirks and quagmire of utilizing...
Members
September 21, 2023
Join Josh Cohen (The Student Loan Lawyer) and Scott Waterman in a FAST one hour look at the very first...
Members

Looking to Become a Member?

ConsiderChapter13.org offers a forum to advance continuing education of consumer bankruptcy via access to insightful articles, informative webinars, and the latest industry news. Join now to benefit from expert resources and stay informed.

Webinars

These informative sessions are led by industry experts and cover a range of consumer bankruptcy topics.

Member Articles

Written by industry experts, these articles provide in-depth analysis and practical guidance on consumer bankruptcy topics.

Industry News

The Academy is the go-to source for the latest news and analysis in the Chapter 13 bankruptcy industry.

To get started, please let us know which of these best fits your current position: