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northern district of alabama

In re Davidson

Ruling
Motion to reopen case and proceed in forma pauperis denied.
Issue(s)
Could debtor reopen case and proceed in forma pauperis to have bankruptcy court hear debtor's state law dispute with her water company?

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Consumer opinion summary, case decided on August 01, 2014 , LexisNexis #0814-110

Morris v. Wells Fargo (In re Morris)

Ruling
Loan servicer's inadvertent actions did not violate stay.
Issue(s)
Did a loan servicer's actions to initiate foreclosure process violate the automatic stay where its foreclosure lawyer did not receive notice of debtor's bankruptcy?

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Consumer opinion summary, case decided on July 28, 2014 , LexisNexis #0814-081

In re Cain

Ruling
Relief from stay to pursue speculative claim against debtor's insurance coverage denied.
Issue(s)
Was creditor entitled to relief from stay to pursue possible claim against debtor's homeowners'insurance policy?

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Consumer opinion summary, case decided on July 09, 2014 , LexisNexis #0814-003

Nationwide Prop. & Cas. Co. v. Hunt

Ruling
Debtor retained valid claim against insurer given that case was about to be dismissed without discharge.
Issue(s)
Was debtor's fire loss claim against insurer barred by judicial estoppel because he never identified a claim against the insurer in his bankruptcy filings?

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Consumer opinion summary, case decided on June 13, 2014 , LexisNexis #0714-012

First Sec. Bank & Trust Co. v. Vander Vegt

Ruling
Family dairy farmer debtor could pursue alternative financing.
Issue(s)
Had family dairy farmer debtors established that they were entitled to pursue alternative financing by showing that they have been unable to obtain credit by any other means and that creditor bank's position was adequately protected?

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Consumer opinion summary, case decided on May 27, 2014 , LexisNexis #0614-083

In re White

Ruling
Debtor's plan modified to reflect nonexempt proceeds of life insurance policy on life of co- debtor spouse.
Issue(s)
Should the bankruptcy court sustain trustee's objection to debtor's amended claim of exemptions, claiming as exempt $50,000 in life insurance proceeds received postpetition following the untimely death of debtor's spouse, and allow modification of the debtor's confirmed chapter 13 plan to increase the base gross due under the plan?

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Consumer opinion summary, case decided on May 16, 2014 , LexisNexis #0614-100

Kunstmann v. Aaron Rents Inc.

Ruling
Five opt-in plaintiffs in FLSA class action were barred from pursuing claims due to failure to make proper disclosures in their bankruptcy cases.
Issue(s)
Were five employees barred from pursuing claims in FLSA class action due to failure to disclose the action in their respective bankruptcy cases?

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Consumer opinion summary, case decided on April 09, 2014 , LexisNexis #0914-122

Rose v. Logan

Ruling
Shareholder of debtor lacked standing to appeal order for sale of estate property.
Issue(s)
Did trustee's failure to obtain an appraisal of property and alleged misrepresentation of a realtor's opinion of value as an appraisal warrant reversal of the bankruptcy court's orders pertaining to trustee's sale of debtor's real property?

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Commercial opinion summary, case decided on March 25, 2014 , LexisNexis #0714-040

Townsend v. Direct Buy

Ruling
Twenty-one post-notice of filing debits from debtor's checking account by creditor violated stay.
Issue(s)
Did creditor violate the automatic stay by debiting debtor's checking account 21 times for $100 each after receiving notice of debtor's chapter 13 bankruptcy case?

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Consumer opinion summary, case decided on February 28, 2014 , LexisNexis #0314-109

In re Threatt

Ruling
Confirmation of below median debtor's plan denied due to term of more than three years and lack of good faith.
Issue(s)
Should confirmation of below median debtor's plan be denied due to excessive length of the plan's term and proposal to retain a more expensive and newer automobile while surrendering a less expensive and older vehicle.

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Consumer opinion summary, case decided on January 21, 2014 , LexisNexis #0214-067