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Curated (Free) Selections

Debt and the Economy

Credit Cards: Share of Balances 90-Plus Days Late Hits Highest Mark Since 2011

Of Interest

Bankruptcy Audits Reveal Deception — and Confusion: The first large study of Chapter 7 bankruptcy enforcement looks at why filers misreport their finances.

View from the Bench - Bankruptcy Chief Judge Alan S. Trust (Ret.), Eastern District of New York

Anniversaries: 15 Years of Stern v. Marshall & 44 Years of Northern Pipeline (Part 1)

Sanctions and Irony and Fraud, Oh My!

Identity Thief Sentenced to Prison - Quinones used the identity of another person to petition the U.S. Bankruptcy Court for the District of Kansas to issue her unclaimed funds belonging to the victim.

Student Loan Chronicles

Student Loans Chronicles

Student Loan Borrowing Is ‘High Stakes’ as New Rules Take Effect on July 1, CFP Says. What to Know

4 Things Student Loan Borrowers Should Do Before July 1

For Your Blog

Is That Activity Just a Hobby or a Business?

For Your Health

Does Sugar Cause Inflammation in the Body?

More Selections

US Trustee

From the US Trustee’s Office
(Article originally appeared in ABI Journal, Vol. XLV, No. 6, June 2026)

How to Get ChatGPT to Stop Lying: 7 Actionable Tips for Product Managers

Sub V

Subchapter V: A Removed Debtor In Possession Problem

Condolences

Passing of an NACTT Icon

It is with great sadness that we share the passing of Linda Davidson.

Weaponized AI: The New Frontier of Fraud and Identity Spoofing

This Week's Featured Articles

Solar Panel Systems: The Classification Effects of Collateral

Jitwan K. Floyd

June 7, 2026

Solar panels may save on utility bills, but their legal classification can spark a bankruptcy battle and creditors' rights hang in the balance.

Members

Sixth Circuit Decides Tax Foreclosure Was Preferential Transfer

The Academy

June 7, 2026

Come to NACTT in New York City for discussion of this opinion and other tax sale issues.

Members

What Are You Waiting For? The Bankruptcy Filing Timeline

Cathy Moran

June 7, 2026

More than just a question. Once again Cathy offers new and seasoned attorneys a “gotta keep this one” resource on statutes that refer to numbers of days.

Members

A Penny for Your Thoughts/$375 for the Notice

Henry E. Hildebrand, III

June 7, 2026

While a creditor holding a mortgage lien on debtor’s principal residence is allowed to supplement its claim by costs, charges, and fees, and may assert these additional costs if the underlying mortgage provides for them, the fees are not awarded unless the notices are required under Rule 3002.1; fees incurred for attorneys preparing notices that are not required by Rule 3002.1 cannot be recovered from the debtor.

Members

Two New Judges Named

The Academy

June 7, 2026

District of Oregon - Appointment of U.S. Bankruptcy Judge Kathryn F. Evans The Honorable Craig A. Pugatch Appointed as United States Bankruptcy Judge for the Southern District of Florida

Other Recent Articles

Converting Debtors Must Pay Close Attention to Tax Return Filing Deadlines

Jason Wilson-Aguilar

May 31, 2026

“A recent decision from the Western District of Washington held that the clock starts with the first meeting of creditors scheduled in the case. . .”

Members

4 Reasons to Keep Time Records No One Discusses

Cathy Moran

May 31, 2026

“My very favorite reason for keeping time records is the chance to make the opposition pay for my work. Do good work at no cost to my client.”

Members

Three-Way Split: Dividing the Cost of Neglected Notices

Henry E. Hildebrand, III

May 31, 2026

The obligations imposed on a mortgage servicer in accordance with Rule 3002.1 applies to a “paid in full” mortgage; failure of the creditor, debtor, and trustee to take any action or follow-up to an ignored notice of mortgage payment change justifies the imposition of sanctions against all three.

Members

Why Flexible Payment Schedules Matter

Katie Keys

May 17, 2026

Paydays can arrive at different times during the month -- weekly, biweekly, monthly. So, why should your Chapter 13 bankruptcy clients be locked into payment schedule that doesn’t give them the financial flexibility they need?

Do Trustees Have to Make Sure Assets Are Insured?

Andrew B. Finberg

May 17, 2026

“If a house burns down or a vehicle is totaled, is the Standing Trustee responsible? The answer is most likely no, but such a conclusion brings little, if any, solace.”

Members

Baird v. Matlack – A Primer on Crypto

Regina Logsdon

May 17, 2026

Matlack should be a go-to resource for any consumer practitioner who only sees cryptocurrency on an infrequent basis. Judge Isgur wrote an excellent explanation of how cryptocurrencies can work in an average person’s life.

Members

Clock Starts When the Order is Entered

Henry E. Hildebrand, III

May 17, 2026

Motion to voluntarily dismiss a Chapter 13 case is not automatic and only takes effect with entry of a court order; the 180-day bar to filing following a voluntary dismissal after a motion for relief from stay starts only when the case is actually dismissed.

Members

The Road to Perdition: Dismissals with Consequences

Michael B. Joseph

May 10, 2026

“Bankruptcy courts face a persistent challenge: granting relief to the honest but unfortunate debtor while curbing repeated abuse by others.”

Members

The Hidden Reason Clients Fail Chapter 13

Jen Lee

May 10, 2026

“We assume clients understand more than they do.”

Members

Surrender Does Not Transfer Ownership

Henry E. Hildebrand, III

May 10, 2026

Chapter 13 debtor’s surrender of real property does not effectuate a transfer of ownership absent acceptance by the transferee, thereby leaving the debtor exposed to continuing liabilities incident to ownership.

Members

Fourth Circuit Pumps the Brakes

Henry E. Hildebrand, III

May 3, 2026

Chapter 13 plan’s compliance with the means test in § 1325(b) does not immunize the plan from the good faith requirement of § 1325(a) and an above median Chapter 13 debtor whose plan satisfies the mathematical requirements of the means test must still be proposed and filed in good faith.

Members

Tales from the Trenches – Filing Bankruptcy Is All About the Future

Cathy Moran

May 3, 2026

“We often first encounter prospective clients when a creditor has posed a threat to take something from them, here and now.” But what about six months from now? A year? What does the stress do over time?

Members