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PRL 101 slides, Nov. 24
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Ted Major
November 24, 2015
Education
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PRL 101 slides, Nov. 24
CC-BY-SA
Ted Major
November 24, 2015
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Transcript
Bankruptcy law creative commons licensed (BY) flickr photo by ryaninc:
https://flic.kr/p/66cCEX
Bankruptcy in-class assignment creative commons licensed (BY) flickr photo by
kevin dooley: https://flic.kr/p/6m6JvE
Bankruptcy purpose? • “Fresh Start” • Treat creditors fairly
Bankruptcy • Petition • Debtor • Creditor • Automatic stay
• Discharge • Chapter 7 (liquidation): individual or business • Chapter 11 (reorganization): business, some individuals • Chapter 13 (repayment): individual
Role of paralegal Ch. 7 fee: $500-900 • Client intake
• Client meetings • Gathering documentation • Document preparation • Filing • Case Management/Electronic Case Files (CM/ECF) • Bankruptcy software
BR Procedure • Credit counseling • Petition – Automatic stay
– Unless repeat filer • 341 Meeting • Confirmation hearing • Liquidation/Repayment/Reorganization • Debtor education • Discharge
For Individual Debtors • Pre-filing credit counseling • Pre-discharge financial
education • Means test: –< median income to file ch. 7 –Alabama: –$40,351 for 1 –$67,407 family of 4 –Otherwise, ch. 13
Objections to confirmation • Serial filing • Abusive filing •
Lack of protection • "Cram down" • Valuation of collateral • Amount of arrears
Repayment priority • Attorneys/Court • Priority claims • Secured creditors
• Unsecured creditors
Priority claims • domestic support obligations to spouse or child
• domestic support obligations to state • administrative expenses (trustee/BA) • wages & salaries owed • employee benefits owed • rental deposits owed • taxes owed • DUI injuries
Secured creditors • Mortgage • Car payments
Unsecured creditors • Credit cards • Medical bills • Utilities
• Cable • Internet • Phone • Other bills
Objections to discharge: particular debt • non-dischargeable • not listed
or scheduled • fraud in loan application/financial statement
Objections to discharge: All debts • Fraud • Perjury •
Fraudulent transfer • Perjury • Recent bankruptcy • Failure to keep records • Hiding assets • Destruction of assets • Failure to obey court order
Non-dischargeable debts • taxes • loans obtained by false pretenses
• not listed/scheduled • fraud, embezzlement, larceny • domestic support • willful & malicious injury
Non-dischargeable debts • government fine • DUI judgment • criminal
restitution • condo fees • criminal court fees • pension fund payments