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§ 1328

In re Quiros-Amy

Ruling
Debtors who were not eligible for chapter 13 discharge could not strip off unsecured junior liens.
Procedural posture

In separate cases, two debtors filed petitions under Chapter 13 of the Bankruptcy Code less than four years after they received Chapter 7 discharges, and they asked the court to issue an order which declared that they could strip off junior mortgages on their principal residences.

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Consumer opinion summary, case decided on September 19, 2011 , LexisNexis #1011-062

Beskin v. Knupp (In re Knupp)

Ruling
Discharge revoked due to debtor's failure to disclose inheritance received less than two months after petition date.
Procedural posture

Plaintiff Chapter 13 trustee filed a complaint seeking revocation of defendant debtor's discharge under 11 U.S.C.S. § 1328(e).

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Consumer opinion summary, case decided on July 26, 2011 , LexisNexis #0911-066

In re Victorio

Ruling
Confirmation of "chapter 20" debtors' plan denied due to failure to pay off junior lien or other unsecured creditors in full.
Procedural posture

Debtors filed a petition under Chapter 13 of the Bankruptcy Code, and proposed a plan for repaying their creditors that proposed to strip off a junior lien which a mortgage company held on the debtors' home. A trustee who was appointed to administer the debtor's plan filed an objection to confirmation of the plan.

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Consumer opinion summary, case decided on July 08, 2011 , LexisNexis #0811-133

In re Okosisi

Ruling
Chapter 13 plan of debtors who received a chapter 7 discharge two years earlier and seeking to incorporate avoidance of lien confirmed.
Procedural posture

Debtors filed for chapter 13 bankruptcy after having previously received a discharge in chapter 7. Earlier in the case, the court granted the debtors' motion to avoid the second priority, and wholly unsecured, lien on their primary residence. Here, they sought to confirm a plan which incorporated this avoidance. The chapter 13 bankruptcy trustee opposed confirmation.

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Consumer opinion summary, case decided on May 16, 2011 , LexisNexis #0711-099

Davis v. TD Bank (In re Davis)

Ruling
Debtors could avoid junior lien despite being ineligible for discharge.
Procedural posture

Movant debtors filed a petition under Chapter 13 of the Bankruptcy Code, and they proposed a plan for repaying their creditors and filed an amended motion seeking an order under 11 U.S.C.S. § 506 which avoided a junior lien respondent bank held on their residence. The bank that held the lien filed an filed an opposition to the debtors' motion and an objection to the debtors' plan.

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Consumer opinion summary, case decided on March 30, 2011 , LexisNexis #0411-131

United States v. Taylor

Ruling
Debtors' payment of restitution for bank fraud through chapter 13 plan did not entitle them to early termination of supervised release.
Procedural posture

Debtors were convicted of conspiracy to commit bank fraud and provided for payment of required restitution through their chapter 13 plan. Debtor's then sought early termination of their supervised release.

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Consumer opinion summary, case decided on March 24, 2011 , LexisNexis #0411-094

In re Gerardin

Ruling
Chapter 13 debtors who filed less than four years after chapter 7 discharges were not eligible for discharge and could not strip down junior liens on properties.
Procedural posture

Seven debtors filed Chapter 13 bankruptcy cases soon after they received a discharge in a Chapter 7 case. Each debtor filed a motion which asked the court to determine that junior liens on property they owned were unsecured because the property was worth less than the amount of senior liens that were filed on the property. The court considered all of the motions together.

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Consumer opinion summary, case decided on February 17, 2011 , LexisNexis #0311-064

In re Woolsey

Ruling
Confirmation denied due to failure to provide for retention of lien securing allowed secured claim until payment in full or discharge.
Procedural posture

The matter before the court was the confirmation of debtors' chapter 13 Amended Plan (Plan). The trustee objected.

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Consumer opinion summary, case decided on October 08, 2010 , LexisNexis #1110-102

Dorris v. Chacon (In re Chacon)

Ruling
Relief from stay granted to allow sexual assault victim to pursue civil case against debtor who pled guilty to criminal charges.
Procedural posture

Plaintiff, a mentally disabled woman ("victim"), filed an adversary proceeding by and through her guardian, seeking a determination that claims she filed against defendant Chapter 13 debtor in a New Mexico court were nondischargeable under 11 U.S.C.S. § 1328(a)(4), an order granting relief from the automatic stay so she could proceed with an action that was filed in state court. The victim filed a motion for summary judgment.

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Consumer opinion summary, case decided on October 01, 2010 , LexisNexis #1110-064

In re Ezzell

Ruling
Trustee could be required to disburse more than called for under plan, and refund to debtors, out of lawsuit settlement proceeds.
Procedural posture

Chapter 13 debtors paid a newly-acquired lawsuit settlement to the 13 trustee then filed a motion to disburse to require the trustee to pay creditors the remaining amounts due under the plan, and to pay the debtors a refund after paying creditors all that was due under the confirmed plan. The trustee objected under 11 U.S.C.S. § 1325(b)(4)(B). An unsecured creditor also objected and filed motion to modify the plan under 11 U.S.C.S. §§ 1328, 1329.

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Consumer opinion summary, case decided on March 09, 2010 , LexisNexis #0510-101