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In re Hartman

Ruling
Relief from stay granted due to lack of equity and unauthorized use of cash collateral.
Issue(s)
Should relief from stay be granted given lack of adequate protection and unauthorized use of cash collateral.

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Consumer opinion summary, case decided on December 11, 2013 , LexisNexis #0114-006

Edgar County Bank & Trust Co. v. Davis (In re Davis)

Ruling
Fraud of LLC members could be imputed to debtors who were also members.
Issue(s)
Could fraud of LLC members be imputed to debtors who were fellow members.

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Consumer opinion summary, case decided on November 04, 2013 , LexisNexis #1213-014

Scarlett v. Scarlett (In re Scarlet)

Ruling
Hold harmless and indemnification provision in marital settlement agreement created nondischargeable debt.
Issue(s)
Whether the debtor's agreement to pay, indemnify and hold former spouse harmless from a debt as provided in a marital settlement agreement was non-dischargeable.

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Consumer opinion summary, case decided on October 08, 2013 , LexisNexis #1013-122

In re Holm

Ruling
Confirmation denied due to excessive expenses for debtor's business and recreation and entertainment of bi-polar adult son.
Procedural posture

A chapter 13 trustee objected to confirmation of the debtors' plan pursuant to 11 U.S.C.S. § 1325(b) on the grounds that some of the expenses claimed for the benefit of the debtors' son were not reasonable and necessary under 11 U.S.C.S. § 707(b)(2)(A)(ii)(II).

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Consumer opinion summary, case decided on June 19, 2013 , LexisNexis #0713-065

Martinez v. Zeedyk (In re Zeedyk)

Ruling
Debtor landlord's silence to tenants as to pending foreclosure was not grounds for nondischargeable debt.
Procedural posture

Plaintiffs, tenants who leased property from debtor husband, brought an adversary complaint asserting that the debtor defaulted on their lease and purchase agreement, and sought that the debt therefor be held nondischargeable pursuant to 11 U.S.C.S. § 523(a)(2)(A).

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Consumer opinion summary, case decided on May 10, 2013 , LexisNexis #0613-019

In re Bono

Ruling
Bank's judicial lien could be avoided only to the extent exceeding value of property less allowable homestead exemption.
Procedural posture

Debtor sought to have creditor bank's claim denied in its entirety based upon a perceived misapplication of her homestead exemption and her position that, pursuant to 11 U.S.C.S. § 522(f), the bank's judicial lien impaired her homestead exemption.

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Consumer opinion summary, case decided on March 19, 2013 , LexisNexis #0413-049

In re Laurent

Ruling
Debtor's failure to disclose assets and subsequent consent to revocation of discharge established fraudulent intent.
Procedural posture

A chapter 7 trustee filed a motion for turnover following the reopening of the debtor's case.

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Consumer opinion summary, case decided on January 14, 2013 , LexisNexis #0213-018

First State Bank v. Zahos (In re Zahos)

Ruling
Reaffirmation agreement filed without cover sheet was invalid and unenforceable.
Procedural posture

Secured creditor filed a complaint against chapter 7 debtor seeking to enforce a reaffirmation agreement, alleging that the debtor's notice to rescind was untimely pursuant to 11 U.S.C.S. § 524(c)(4).

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Consumer opinion summary, case decided on June 25, 2012 , LexisNexis #0712-123

Wood v. Meredith (In re Meredith)

Ruling
Discharge denied due to fraudulent transfer intended to hinder, delay and defraud creditors.
Procedural posture

Creditor filed a complaint against a chapter 7 debtor, his non-debtor spouse, and his in-laws, seeking to set aside fraudulent transfers pursuant to 740 ILCS 160/5 and 160/6 of the Illinois Uniform Fraudulent Transfer Act and objecting to the debtor's discharge pursuant to 11 U.S.C.S. § 727(a)(2)(A).

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Consumer opinion summary, case decided on May 18, 2012 , LexisNexis #0612-098

Richardson v. Gifford State Bank (In re Crane)

Ruling
Mortgages that failed to state interest rate or maturity date could be avoided.
Procedural posture

In his adversary complaint, plaintiff chapter 7 trustee claimed that two mortgages were defective and subject to avoidance pursuant to 11 U.S.C.S. § 544, in that both mortgages failed to state the interest rate and the maturity date relative to the subject mortgages in violation of 765 ILCS 5/11. The matter came before the court on cross-motions for summary judgment filed by the parties. Defendant was a creditor.

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Consumer opinion summary, case decided on February 29, 2012 , LexisNexis #0412-023