Changes to Form 410A Effective December 1st

Debra L. Miller is the Standing Chapter 13 Bankruptcy Trustee for the Eastern District of Tennessee (Northern and Northeastern Divisions). Prior to her appointment in Tennessee, she served as the Standing Trustee in the Northern District of Indiana, Fort Wayne, Hammond at Lafayette and South Bend Divisions. She is active in the National Association of Chapter Thirteen Trustees, is a former President of the NACTT and active on the NACTT Mortgage Committee. As the former chair of the Mortgage Committee, she worked with the mortgage servicers, their attorneys, and members of NACBA to draft the Best Practices which were approved by the NACTT, NACBA and AFN. Debra testified before the Sub-committee on Administrative Oversight and the Courts of the Committee on the Judiciary, United States Senate on May 6, 2008, for “Policing Lenders and Protecting Home-Owners: Is Misconduct in Bankruptcy Fueling the Foreclosure Crisis?” Debra has provided input to the CFPB on various issues, including the Monthly Mortgage Statements and mortgage payment application issues. Additionally, Debra worked with the Bankruptcy Rules Committee on changes to the Federal Rules of Bankruptcy Procedure including Rules 3001 and 3002.1, and revising the mortgage attachment (Form B410A) and Director’s Form for the Notice of Final Cure and Response to the Notice of Final Cure (Form 4100R and 4100N). She currently serves as a Member of the Judicial Conference Advisory Committee for Bankruptcy Rules. Debra regularly teaches nationally on various consumer bankruptcy issues including mortgage payment application, mortgage issues, RESPA, calculation of escrow, pre-petition arrearages and calculation of ongoing mortgage payments in a Chapter 13 bankruptcy. Debra graduated from Baldwin Wallace College with a B.S. in Political Science and obtained her J.D. from Cleveland Marshall College of Law. Prior to attending law school, Debra served as a Special Agent for the United States Secret Service in the Cleveland Field Office where she specialized in Credit Card and White Collar Fraud. Her investigation led to the first successful conviction of 18 U.S.C. 1030(a)(2)(A) by the U.S. Attorney in 1989.