From Page 4 of Memorandum and Order

“Because Kakol’s representation of Debtor in this case fell drastically below the standard for acceptable representation of individual debtors in chapter 13 cases as discussed in greater detail below, he and the Kakol Firm will be sanctioned as follows: (1) they will be required to disgorge any and all fees paid in connection with his representation of Debtor in this case and pay such fees to U.S. Bank; (2) they will be ordered to reimburse U.S. Bank for all legal fees and costs incurred in this case in the amount of $5,090.00; (3) Kakol will be required to attend fifteen (15) hours of continuing legal education focused on consumer bankruptcy within the next six months in addition to any bar requirements; (4) Kakol and the Kakol Firm will be prohibited from using associate or appearance counsel without appropriate supervision to insure that such counsel is sufficiently familiar with the matter to effectively represent clients before this Court; and (5) Kakol and the Kakol Firm shall be subject to a further sanction of up to $500.00 for each instance in the future in which Kakol, attorneys for the Kakol Firm, or appearance counsel appearing on behalf of the Kakol Firm are unprepared or unable to properly handle a debtor’s business before the Court.”