Mortgage loan servicer violated mortgage agreement with debtor, the automatic stay, the confirmation order and Rule 3002.1 by applying debtor’s post-petition monthly mortgage payments pursuant to the contractual terms of the loan, thereby applying post-petition payments to the debtor’s pre-petition mortgage arrearage. (Cary) In re Pope, 647 B.R. 597 (Bankr. D. N.H. August 15, 2022) Case Summary In November of...
From the Editor – Proofs of Claim
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By The Honorable William Houston Brown (Retired)
Ninety-day bar date for filing claims applied to secured creditors who wish to receive distribution in Chapter 13 case. The debtor objected to untimely proofs of claim filed by the mortgage lender, and the creditor argued that Rule 3002(c)’s 90-day deadline only applied to unsecured claims. If a creditor expects to receive a distribution in a Chapter 13 case, a proof of claim must be filed, whether the debt is unsecured or secured. Acknowledging that Rule 3002(a) specifically addresses only unsecured creditors and that . . .
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