Intro to Chapter 13

By Herbert L. Beskin, Chapter 13 Trustee, Charlottesville, Virginia

Earlier this year as I was giving my introductory talk to my third new employee in the past twelve months, I realized that every talk was a bit different from the last one, and I had no written script to make sure I was covering with each person all the topics I thought were important. So I sat down at my computer and put together the attached outline.

I now give each new . . .

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Tracking Down the Illusive Mortgage Interest Deduction

Cathy Moran

March 10, 2024

Are your clients curing mortgage arrears through their Chapter 13 plan? If so, I’m convinced a mortgage interest tax deduction lurks, unclaimed, in the trustee’s records.

Members

When Wishes Come True

September 19, 2021

By Helen M. Morris, Chapter 13 Standing Trustee for the Northern and Southern Districts of West Virginia Like most trustees, my case load is down, and I’ve been actively encouraging new filings. Perhaps too enthusiastically as certain new cases reflect. A bankruptcy filer who has been dormant for months filed a new case recently. Schedule A is clearly marked with...

Members

A Modern American Tale: When Mom’s Reverse Mortgage Comes Due

Henry E. Hildebrand, III

November 16, 2025

Creditor holding a reverse mortgage with a lien against property in which the debtor/heir resides holds a claim allowable in the debtor’s Chapter 13 case notwithstanding a lack of any personal liability.

Members

Making Sense of the Cause Requirement for Plan Payment Period Extensions Under 11 U.S.C. § 1322(d) – Part 1 of 2

Blake Warner

August 17, 2025

For below-median income debtors, plan extensions beyond 36 months are meant to be voluntary and flexible—not coerced by courts, trustees, or creditors. While ‘cause’ can justify a longer plan, it must be determined case-by-case.

Members

Passing of Our Friend

The Academy

March 29, 2026

It is with great sadness that we report the passing of Larry Ahern. He was a frequent contributor to ConsiderChapter13.org for many years but more importantly he was our friend. We already miss you, Larry.

“Student Loan Bankruptcy Improvement Act of 2025”

The Academy

July 27, 2025

The text of H.R. 4444 is now available. This short, straight-forward bill seeks to remove the word “undue” from 11 USC 523(a)(8) thus changing the standard by which student loans may be considered for discharge.

CFPB Announces Action Against Monster Loans, Lend Tech Loans, and Associated Student Loan Debt-Relief Companies

January 19, 2020

January 9, 2020, the Bureau filed suit against several companies and individuals involved in offering student loan debt-relief services for allegedly obtaining consumer reports illegally, charging unlawful advance fees, and engaging in deceptive conduct. The Bureau’s action is against a mortgage lender called Chou Team Realty, LLC, which does business as Monster Loans (Monster Loans); an allegedly sham mortgage brokerage...

The PUMP Act

Mark T. McCarty

June 11, 2023

The U.S. Department of Labor (DOL) has released an updated Fair Labor Standards Act (FLSA) Minimum Wage Poster that covers employers’ new lactation accommodation obligations under the recently passed Providing Urgent Maternal Protections for Nursing Mothers (PUMP) Act. The PUMP Act went into effect on December 29, 2022 and requires employers to provide nursing employees with reasonable accommodations, such as...

Postpetition Borrowing by a Consumer Debtor in Chapter 13 – Part 2 of 2

May 12, 2019

By Judge Michael A. Fagone & Career Law Clerk Ciera S. Dye III. Policy Considerations Where the statute does not provide definitive guidance, courts often turn to policy considerations. How do those considerations weigh out here? One answer is that policy considerations cut against imposing any sort of requirement of preapproval for postpetition borrowing by a consumer debtor. Several reasons...

Members

Critical Case Comment

June 16, 2019

By Henry E. Hildebrand, III, Chapter 13 Standing Trustee for the Middle District of Tennessee Mortgage creditor may not withdraw a notice of fees, costs, and charges filed in a case after the supplement to the claim has been challenged without court approval; the allowance of such a notice will not be permitted where a state statute forbids it. Quicken...

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Intro to Chapter 13

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Related Articles

Tracking Down the Illusive Mortgage Interest Deduction

When Wishes Come True

A Modern American Tale: When Mom’s Reverse Mortgage Comes Due

Making Sense of the Cause Requirement for Plan Payment Period Extensions Under 11 U.S.C. § 1322(d) – Part 1 of 2

Passing of Our Friend

“Student Loan Bankruptcy Improvement Act of 2025”

CFPB Announces Action Against Monster Loans, Lend Tech Loans, and Associated Student Loan Debt-Relief Companies

The PUMP Act

Postpetition Borrowing by a Consumer Debtor in Chapter 13 – Part 2 of 2

Critical Case Comment

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