Issues Impacting the United States Trustee’s Office
Means Testing
•Presumption of Abuse § 102(a) •Dismissal on Other Grounds § 102(a) •Median Family Income § 102 (c) •Other Means Test Provisions § 102(c)
Credit Counseling and Debtor Education
•Credit Counseling § 106(a) •Debtor Education § 106(b), (c) •Debtor Education Pilot Program § 105 •Other U.S. Trustee Involvement § 106(e)
Debtor Audits
•Requirement § 603(a) •Material Misstatements § 603(b), (d) •Effective Date § 603(e)
Miscellaneous Debtor Abuse Provisions
•Initial Paperwork § 315(b) •Detail on Schedules § 315(a) •Automatic Dismissal § 316
D. Nondischargeable Debts § 310 and § 220
DEBRA A. WERTMAN, ESQUIRE
Assistant United States Trustee
Issues Impacting Chapter 7 Consumer Debtors
•Debt Relief Agencies •The 3 day and 5 day notices/fee agreements •Advertising •Certificate of Credit Briefing •Income Verification; Expense Verification •Education IRAs •The 707(b) Evaluations •Filing of Tax Returns (Consequence of not filing) •Exemption Determination (Where was your client living more than 730 days ago?) •Lien Avoidance on Household Goods •Redemptions •Effect of Failure to File Reaffirmation within 45 days •New Time Standards on Filing (The 8, 4 and 2 year rules) •Multiple Filings and the Automatic Stay •Creditors Addresses and Violations of the Automatic Stay. •Motor Vehicles (The federal definition) •The Ride Through on Secured Claims
ANDREW S. NASON, ESQUIRE
Pepper Nason & Hayes
Issues Impacting Chapter 13 Cases
The Plan
•Length •Plan Payments •Components
Confirmation
•Timing •Requirements
Post-Confirmation
•Debtor Responsibilities •Implicit Trustee Duties •Explicit Trustee Duties
Discharge
•Requirements •Hearing •Effect
HELEN M. MORRIS, ESQUIRE
Chapter 13 Trustee
Means Testing Case Study
•Components •Calculation •Application
HELEN M. MORRIS, ESQUIRE
Chapter 13 Trustee
Significant Issues Impacting Creditors
•Automatic Stay •Statement of Intention •Reaffirmations •Discharge •Valuation and Lien Stripping •Unsecured Consumer Debt Reduction •Address for Notice to Creditors
MICHAEL L. BRAY, ESQUIRE
Steptoe & Johnson
Impact on Business Creditors
•Limit on Plan Exclusivity Extensions •Assumption and Rejection of Leases •Ordinary Course of Business Test in Preference Actions •Changes in Reclamation Rights •Adequate Assurance of Payment for Utilities •Limitation on Retention Bonuses for Executives •Implications for Small Businesses •New Health Care Case Requirements
ELLEN S. CAPPELLANTI, ESQUIRE
Jackson Kelly, PLLC
Roundtable Discussion
THE HONORABLE L. EDWARD FRIEND
United States Bankruptcy Court, Northern District of West Virginia
THE HONORABLE RONALD G. PEARSON
United States Bankruptcy Court, Southern District of West Virginia
MICHAEL L. BRAY, ESQUIRE
Steptoe & Johnson
ELLEN S. CAPPELLANTI, ESQUIRE
Jackson Kelly, PLLC
HELEN M. MORRIS, ESQUIRE
Chapter 13 Trustee
ANDREW S. NASON, ESQUIRE
Pepper Nason & Hayes
DEBRA A. WERTMAN, ESQUIRE
Assistant United States Trustee
This seminar is worth 7.8 WV MCLE credits
Compact Disc Seminar Sale with 400 Page Book on CD
The written handout on CD format helps you save time and money by having the great features of being word-searchable, code-searchable, printable and downloadable to your computer.
