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

DVD Seminar Rental with Written Handout

DVD's must be returned within three weeks from date of mailing. An overdue fee of $10.00 per week will be charged for DVD's not returned within three weeks