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§ 109

In re Thomas

Ruling
Debtor was denied a waiver of the prefiling credit counseling requirement since the debtor's certificate of exigent circumstances failed to state that the debtor requested the counseling before filing.
Procedural posture

With his petition, the debtor requested a temporary waiver of the prefiling credit counseling requirement required by 11 U.S.C. § 109(h)(1) due to exigent circumstances. The debtor cited to a "foreclosure date" on his home as the exigent circumstance.

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opinion summary, case decided on March 14, 2006 , LexisNexis #0306-107

In re Wallace

Ruling
Debtor's case was dismissed since the debtor failed to obtain the required prefiling credit counseling or file a certificate of exigent circumstances.
Procedural posture

Before the court in debtor's bankruptcy matter was a motion to dismiss filed by the chapter 13 standing trustee.

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opinion summary, case decided on March 10, 2006 , LexisNexis #0406-036

In re Calderon

Ruling
Case was dismissed since debtor did not meet the prefiling credit counseling exception under section 109(h)(3).
Procedural posture

Debtor filed a pro se bankruptcy petition and a statement regarding her failure to obtain the credit counseling required by 11 U.S.C. § 109(h)(1) prior to filing the petition.

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opinion summary, case decided on March 08, 2006 , LexisNexis #0506-107

In re Carrasquillo

Ruling
Creditor's motion to extend debtor's time to file a certificate of prefiling credit counseling was denied since additional time was not needed to file such a certificate.
Procedural posture

A debtor filed his bankruptcy petition but did not indicate whether he received prepetition credit counseling as required by 11 U.S.C. § 109(h)(1) or file a certificate of such counseling as required by Interim Bankr. R. 1007(c). The debtor was ordered to file the certificate within five days, and a creditor moved for an extension of the time for the debtor to comply with the order.

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opinion summary, case decided on March 07, 2006 , LexisNexis #0506-106

In re Petit-Louis

Ruling
Debtor with limited English skills was granted a waiver of the prefiling credit counseling requirement since none of the counseling agencies could provide counseling in the debtor's language of Creole.
Procedural posture

A chapter 7 debtor requested that the court waive the pre-bankruptcy counseling requirement pursuant to 11 U.S.C. § 109(h)(3). The assistant U.S. trustee did not support the request. The cause was heard pursuant to the court's notice of hearing on Debtor's Certification of Exigent Circumstances.

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opinion summary, case decided on March 01, 2006 , LexisNexis #0406-038

In re Tomco

Ruling
Debtor's case was dismissed since the debtor did not attempt to obtain a prepetition credit counseling briefing and a waiver based on exigent circumstances was not warranted.
Procedural posture

A debtor filed a bankruptcy petition to avoid a foreclosure sale of her residence and did not obtain a prepetition briefing from a credit counseling agency as required by 11 U.S.C. § 109(h). The bankruptcy court sua sponte considered whether the debtor's certificate of exigent circumstances was satisfactory to render the debtor eligible for bankruptcy relief.

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opinion summary, case decided on February 27, 2006 , LexisNexis #0306-036

Dixon v. LaBarge (In re Dixon)

Ruling
Dismissal was affirmed since the debtor failed to show exigent circumstances to warrant granting a waiver of the prefiling credit counseling requirement.
Procedural posture

Appellant bankruptcy debtor filed his bankruptcy petition with a certification that the debtor was unable to obtain debt counseling prior to filing the petition, as required by 11 U.S.C. § 109(h), since a foreclosure sale of his residence was scheduled for the day after the petition was filed. The debtor appealed the order of the Bankruptcy Court for the Eastern District of Missouri which dismissed the debtor's case.

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Court :
Judge or Jurisdiction information not available
opinion summary, case decided on February 17, 2006 , LexisNexis #0306-002

In re Mingueta

Ruling
Debtor's chapter 13 case was dismissed since the debtor neither obtained prepetition credit counseling nor established grounds for a temporary or permanent waiver of the requirement.
Procedural posture

Debtor filed a chapter 13 case and requested a waiver of the requirement to obtain pre-bankruptcy budget and credit counseling due to exigent circumstances. The bankruptcy court directed the debtor to show cause why the case should not be dismissed due, in pertinent part, to his failure to file either a certificate of credit counseling or a certificate of exigent circumstances in compliance with 11 U.S.C. § 109(h).

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opinion summary, case decided on February 13, 2006 , LexisNexis #0306-037

In re Dansby

Ruling
Waiver of the prepetition credit counseling requirement was not granted since the evidence showed the debtor could have complied with some due diligence.
Procedural posture

The debtor filed a request for a temporary wavier of the requirement of prepetition credit counseling under 11 U.S.C. § 109(h). The U.S. trustee filed a timely objection to the debtor's request.

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opinion summary, case decided on February 10, 2006 , LexisNexis #0306-001

In re Ashley

Ruling
Case was dismissed since the debtor did not meet the requirements for obtaining a 30-day extension of time to obtain credit counseling.
Procedural posture

Before the court in a chapter 7 matter was debtor's request for deferment of the credit counseling requirement under 11 U.S.C. § 109(h).

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opinion summary, case decided on February 08, 2006 , LexisNexis #0406-039