If more Debtor’s Attorneys educate their clients about violations of Bankruptcy Judge’s Discharge Orders, then, more debtors will be able to purse the creditors for their illegal and egregious behavior. Logically, the converse of this statement must also be true. If more creditors and debt collectors are being sanctioned for their illegal behavior, [...]

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As more Debtor’s attorneys are able to pursue these claims and become more organized, the playing field is being leveled.  Creditors are no longer able to hide these violations from the Debtor’s attorneys like they used to.  For example, I can put a post on a list-serve full of debtor’s attorneys nationwide and request information [...]

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The story described In Part I is just one example of a discharge violation. There are many more to be aware of. Of course, AT&T and their collection agency were completely wrong, in my humble opinion. Even though they wrote sizeable checks, they still maintain their innocence. However, many lessons can [...]

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What happens when a creditor takes some action in violation of the Bankruptcy Judge’s Discharge Order?  Several things can happen.  First, you can do nothing.  If you choose this option, guess what, nothing will happen, and the Creditor will perform the same stunt on the next person until someone takes action.  Second, you can contact [...]

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In this second part of a nine part series we examine the Median Income Test. Assuming you qualify to proceed as an individual voluntary debtor, one must determine the Current Monthly Income [CMI] received by the debtor over the past six months. CMI is loosely defined at Section 101(10) 10A and B as [...]

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