By Angela M. Scolforo, Staff Attorney to Herbert L. Beskin, Chapter 13 Trustee (Charlottesville, VA) In Hurlburt v. Black,1 the en banc Fourth Circuit Court of Appeals overturned its prior decision in Witt,2 and held that Bankruptcy Code § 1322(c)(2) authorizes modification of some home mortgage loans through bifurcation and cram down. This enables debtors to cram down home mortgage...
How Do I Maintain A Comfortable Cash Flow In A Chapter 13 Practice So That I Can Better Focus On The Needs Of My Clients?
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Scott Kramer is a consumer bankruptcy attorney and NACBA member. His firm, the Law Office of Scott A Kramer, LLC, is limited to representing consumers in Chapter 7 and Chapter 13 cases. Scott can be reached at scottakramer@sbcglobal.net.
One of the challenges we face as Chapter 13 bankruptcy practitioners is the friction between representing our clients in a zealous and competent manner, and operating a successful and profitable business. Without the former, there is no business and, thus, no income. Without the latter, the stresses of making payroll . . .
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