By Herbert L. Beskin, Chapter 13 Trustee for the Western District of Virginia (Charlottesville) The Seventh Circuit thought that it had finished dealing with the intersection of cars, fines, Chapter 13, and the City of Chicago when it rendered its decision earlier in 2019 in “Steenes I.” In re Steenes, 918 F.3d 554 . Alas, it was not to be,...
From the Editor – Fair Debt Collection Practices Act
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By The Honorable William Houston Brown (Retired)
FDCPA claim preempted by Bankruptcy Code. Former Chapter 13 debtor filed a FDCPA suit in district court, alleging that the mortgage creditor violated the Act by threatening foreclosure of a debt that had been cured in the plan, with ongoing mortgage payments to be paid after plan completion. The creditor had sent the former debtor notice of arrears, and the court discussed the split of judicial authority on preemption. Citing Simmons v. Roundup Funding, LLC, 622 F.3d 93 (2d Cir. 2010), the court held that the . . .
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