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ABI Journal

ABI Journal
ABI's flagship publication, the ABI Journal is written by ABI members for ABI members. ABI publishes this periodical 11 times a year, with a combined issue for December/January. Established in 1982, each issue of the ABI Journal has articles addressing every aspect of the bankruptcy world. The "Consumer Corner" column and many feature articles address consumer bankruptcy issues. In this section of the website, ABI has gathered all ABI Journal articles on consumer bankruptcy issues from late 1997 forward. You may find articles by choosing the year and issue or by using the search function. For articles of more general interest to the consumer professional, use ABI's Search site.

2012
2011
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2009
2008
2007
2006
2005
2004-1997

Consumer Articles in 2012

Consumer Articles in 2011

Consumer Articles in 2010

Consumer Articles in 2009

Consumer Articles in 2008

Consumer Articles in 2007

ON OUR WATCH: Update on the United States Trustee Program's Implementation and Enforcement of the BAPCPA: (citation: ABI Journal, Vol. XXVI, No. 9, p. 14, November 2007) - Clifford J. White III
CONSUMER CORNER: Commission-Free: Chapter 13 Debtor as Disbursing Agent: (citation: ABI Journal, Vol. XXVI, No. 8, p. 14, October 2007) - Timothy D. Moratzka
LEGISLATIVE UPDATE: Hearing on "American Workers in Crisis:" House Judiciary Committee Testimony: (citation: ABI Journal, Vol. XXVI, No. 8, p. 10, October 2007) - Michael L. Bernstein
FEATURE: The Subprime Meltdown: Not Again!: (citation: ABI Journal, Vol. XXVI, No. 7, p. 1, September 2007) - Dr. Fatan Sabry and Dr. Thomas Schopflocher
LEGISLATIVE UPDATE: Paying Trustees Post-BAPCPA: Small Change, Big Impact: (citation: ABI Journal, Vol. XXVI, No. 7, p. 10, September 2007) - Gary W. Marsh
AFFAIRS OF STATE: The Tenth Circuit Upholds Unconscionability Standard for HEAL Loans: ABI Journal, Vol. XXVI, No. 7, p. 12, September 2007) - Craig A. Gargotta
CONSUMER CORNER: Let's Remove Special Bankruptcy Protection for Subprime Mortgages: (citation: ABI Journal, Vol. XXVI, No. 7, p. 14, September 2007) - Henry E. Hildebrand III
FEATURE: Skirting Reaffirmations: Establishing Independent Post-Discharge Consideration: (citation: ABI Journal, Vol. XXVI, No. 7, p. 18, September 2007) - Martin P. Sheen and Ryan W. Johnson
CONSUMER CORNER: Admissibility of Credit Card Account Statements: (citation: ABI Journal, Vol. XXVI, No. 6, p. 12, 58-59, July/August 2007) - William Andrew McNeal
FEATURE: Psychology and BAPCPA: (citation: ABI Journal, Vol. XXVI, No. 6, p. 20, 56-58, July/August 2007) - Michael Holtje, Jason A. Cantone, Dr. Richard L. Wiener, Ryan J. Winter, Susan Block-Lieb and Dr. Karen Gross
LEGISLATIVE UPDATE: Interlocutory Direct Appeals under BAPCPA: Questionable Role of Bankruptcy Court: (citation: ABI Journal, Vol. XXVI, No. 6, p. 10,71, July/August 2007) - Don Beskrone and Ricardo Palacio
SUGGESTED READING: Guide to Credit and Bankruptcy: Everything You Need to Know About the Law: (citation: ABI Journal, Vol. XXVI, No. 6, p. 48-49, July/August 2007) - reviewed by: Leslie E. Linfield
BANKRUPTCY BY THE NUMBERS: New Study: Serial Bankruptcy Filers No Problem (citation: ABI Journal, Vol. XXVI, No. 5, p. 36, June 2007) - Jean M. Lown Ph.D.
CONSUMER CORNER: Sommersdorf's Progeny: Can Wrong Credit Report Trigger a Debtor Claim under the Code? (citation: ABI Journal, Vol. XXVI, No. 5, p. 14, June 2007) - Debra Lee Hovatter
LEGISLATIVE UPDATE: Means Testing and the Vehicle Ownership/Lease Expense Deduction: Allowance or Actual Expense? (citation: ABI Journal, Vol. XXVI, No. 5, p. 10, June 2007) - Michael Louis Catrett
ON OUR WATCH: Making Bankruptcy Reform Work: A Progress Report in Year 2 (citation: ABI Journal, Vol. XXVI, No. 5, p. 16, June 2007) - Clifford J. White III
BANKRUPTCY BY THE NUMBERS: Aging and Bankruptcy: The Baby Boomers Meet Up at Bankruptcy Court (citation: ABI Journal, Vol. XXVI, No. 4, p. 26, May 2007) - John Golmant and Tom Ulrich
BEYOND THE QUILL: "Best Practices" for E-Filing: A Proposed Protocol (citation: ABI Journal, Vol. XXVI, No. 4, p. 44, May 2007) - Robert A. Guy, Jr.
LAST IN LINE: Projected Disposable Income in Chapter 13: A Menu of Fact, Fiction and Forms (citation: ABI Journal, Vol. XXVI, No. 4, p. 20, May 2007) - Alane A. Becket and William A. McNeal
STRAIGHT AND NARROW: Ethical Dilemmas Facing Debtor's Counsel in Consumer and Business Cases (citation: ABI Journal, Vol. XXVI, No. 4, p. 34, May 2007) - Jack Seward
CLAIMS CHAT: Ten Traps to Avoid When Filing a Proof of Claim (citation: ABI Journal, Vol. XXVI, No. 3, p. 44, April 2007) - Evelyn J. Meltzer
CONSUMER CORNER: Tipping the Cap: § 522(p) and the Chapter 7 Debtor (citation: ABI Journal, Vol. XXVI, No. 3, p. 14, April 2007) - Timothy D. Moratzka
DICTA: Reflections on Opinion Writing and Publishing: Part II (citation: ABI Journal, Vol. XXVI, No. 3, p. 52, April 2007) - Hon. Douglas O. Tice, Jr.
FEATURE: The Means Test: Part III: Keeping Up with Dismissals under BAPCPA (citation: ABI Journal, Vol. XXVI, No. 3, p. 16, April 2007) - David W. Allard and Katherine R. Catanese
ON THE EDGE: Equitable Powers of the Bankruptcy Court: Does Marrama Signal a Return to Equity? (citation: ABI Journal, Vol. XXVI, No. 3, p. 22, April 2007) - Jeffrey W. Warren and Shane G. Ramsey
SUPREME COURT UPDATE: Marrama v. Citizens Bank of Mass.: Bad Faith Forfeits Right to Convert to Chapter 13 (citation: ABI Journal, Vol. XXVI, No. 3, p. 10, April 2007) - William C. Heuer
AFFAIRS OF STATE: An IRS Pre-Collection Measure You and Your Client Might Need to Know About (citation: ABI Journal, Vol. XXVI, No. 2, p. 12, March 2007) - Craig A. Gargotta
CODE TO CODE: The Crime of Concealing Assets in Bankruptcy: An Overview and an Illustration (citation: ABI Journal, Vol. XXVI, No. 2, p. 20, March 2007) - Michael D. Sousa
CONSUMER CORNER: The Means Test, Part II: Deductions: More Ambiguity in the New Era of Means Testing (citation: ABI Journal, Vol. XXVI, No. 2, p. 14, March 2007) - David W. Allard and Katherine R. Catanese
DICTA: Reflections on Opinion Writing and Publishing: Part I (citation: ABI Journal, Vol. XXVI, No. 2, p. 46, March 2007) - Hon. Douglas O. Tice
FEATURE: Chapter 13 Project: Little Paid to Unsecureds (citation: ABI Journal, Vol. XXVI, No. 2, p. 1, March 2007) - Prof. Scott F. Norberg
FEATURE: BAPCPA's Effect on Pro Bono Assistance (citation: ABI Journal, Vol. XXVI, No. 2, p. 28, March 2007) - Charles S. Riecke
FEATURE: Taxes and BAPCPA — Calm Before the Storm (citation: ABI Journal, Vol. XXVI, No. 2, p. 38, March 2007) - Kenneth C. Weil
LEGISLATIVE UPDATE: A Year Older, A Year Wiser: The Evolution of BAPCPA and Florida's Homestead Exemption (citation: ABI Journal, Vol. XXVI, No. 2, p. 10, March 2007) - Jacob E. Mitrani
CLERK COMMENTARY - The Reaffirmation Process under BAPCPA: Increasing Judicial Oversight (citation: ABI Journal, Vol. XXVI, No. 1, p. 42, Feb. 2007) - Philip R. Principe
CONSUMER CORNER - The Means Test: Seeing Clearly the CMI (citation: ABI Journal, Vol. XXVI, No. 1, p. 12, Feb. 2007) - David W. Allard and Katherine R. Catanese
FEATURE - Board Certification and BAPCPA: The Bottom Line (citation: ABI Journal, Vol. XXVI, No. 1, p. 32, Feb. 2007) - Charles S. Reicke
FEATURE - New Semi-Automatic Stay One Year after BAPCPA (citation: ABI Journal, Vol. XXVI, No. 1, p. 22, Feb. 2007) - Stuart Larsen
FEATURE - Privacy and Bankruptcy Law: Part III: Consumer Privacy Provisions (citation: ABI Journal, Vol. XXVI, No. 1, p. 44, Feb. 2007) - Luis Salazar
LEGISLATIVE UPDATE - The Exemption Opt-Out: Does It Violate the Constitutional Requirement of Uniformity? (citation: ABI Journal, Vol. XXVI, No. 1, p. 10, Feb. 2007) - Robert G. Drummond

Consumer Articles in 2006

CONSUMER CORNER: Fall "House" Cleaning: Recent Developments in Avoiding Liens on Exempt Homesteads (citation: ABI Journal, Vol. XXV, No. 9, p. 12, November 2006) - Timothy D. Moratzka
FEATURE: Consumer Filings: Trends and Indicators, Part I (citation: ABI Journal, Vol. XXV, No. 9, p. 1, November 2006) - Prof. Charles J. Tabb
FEATURE: Privacy and Bankruptcy Law, Part I: Technology Explosion Creates Personal Privacy Tensions (citation: ABI Journal, Vol. XXV, No. 9, p. 18, November 2006) - Luis Salazar
SUGGESTED READING: Your Lawyer, A User's Guide - Telling It Like It Is: What a Non-Lawyer Should Expect from Her Lawyer (citation: ABI Journal, Vol. XXV, No. 9, p. 46, November 2006) - Vickie Driver
CODE TO CODE: A Circuits Split: Does the Bankruptcy Code Implicitly Repeal the FDCPA? (citation: ABI Journal, Vol. XXV, No. 8, p. 20, October 2006) - Michael D. Sousa
CONSUMER CORNER: Chapter 13 Plan Modifications: The Next BAPCPA Battleground (citation: ABI Journal, Vol. XXV, No. 8, p. 14, October 2006) - Brian D. Lynch
FEATURE: Timing Is Everything...or Is It? Cortez Challenges the "Snapshot" Approach to Analyzing Abuse Pursuant to § 707(b) (citation: ABI Journal, Vol. XXV, No. 8, p. 1, October 2006) - Justin H. Dion
SUPREME COURT UPDATE: Marrama to Test "Absolute" Right to Convert (citation: ABI Journal, Vol. XXV, No. 8, p. 10, October 2006) - Prof. David A. Skeel
AFFAIRS OF STATE: The Duty to File Tax Returns under BAPCPA (citation: ABI Journal, Vol. XXV, No. 7, p. 10, September 2006) - Craig A. Gargotta
BANKRUPTCY BY THE NUMBERS: The Great Bankruptcy Rush of 2005 and its Aftermath: The View from Texas (citation: ABI Journal, Vol. XXV, No. 7, p. 34, September 2006) - Stephen W. Sather
CLERK COMMENTARY: Pro Bono Representation Helps Meet Needs of Pro Se Filers (citation: ABI Journal, Vol. XXV, No. 7, p. 44, September 2006) - Kathleen Farrell-Willoughby and Laura Brundage
CONSUMER CORNER: Avoidance of Transfers of Entireties Property - No Harm No Foul? (citation: ABI Journal, Vol. XXV, No. 7, p. 12, September 2006) - Thomas E. Ray
FEATURE: Curb Appeal: The Limits of Appellate Jurisdiction of Nonfinal Orders (citation: ABI Journal, Vol. XXV, No. 7, p. 38, September 2006) - Jeffrey Kurtzman
FEATURE: Real Estate Auctions Popular with Both Sellers and Bargain Hunters (citation: ABI Journal, Vol. XXV, No. 7, p. 16, September 2006) - Anthony Fitzgerald and Todd Wohl
CODE TO CODE: Equitable Powers of a Bankruptcy Court: Federal All Writs Act and § 105 of the Code: Part II: § 105 of the Bankruptcy Code (citation: ABI Journal, Vol. XXV, No. 6, p. 28, July/August 2006) - Michael D. Sousa
CONSUMER CORNER: A Penny Returned Is a Penny Earned: Who Gets the Money upon Conversion of a Chapter 13 Case to Chapter 7 Before Confirmation? (citation: ABI Journal, Vol. XXV, No. 6, p. 12, July/August 2006) - Kevin C. Gleason
LEGISLATIVE HIGHLIGHTS: New IRS Determination Procedure Established; Financial Netting and Chapter 7 Fee Adjustment Moves Forward in the Legislative Process (citation: ABI Journal, Vol. XXV, No. 6, p. 8, July/August 2006) - Ann vom Eigen
LEGISLATIVE UPDATE: Individual Chapter 11 Cases after BAPCPA: Can You Still Close the Case Early? (citation: ABI Journal, Vol. XXV, No. 6, p. 10, July/August 2006) - Robert J. Landry, III
CODE TO CODE: Equitable Powers of a Bankruptcy Court: Federal All Writs Act and § 105 of the Code: Part I (citation: ABI Journal, Vol. XXV, No. 5, p. 38, June 2006) - Michael D. Sousa
CONSUMER CORNER: Student Loan Dischargeability: Recent Cases under § 523(a)(8) Set High Bar for Debtors (citation: ABI Journal, Vol. XXV, No. 5, p. 14, June 2006) - Catherine E. Bauer
LEGISLATIVE UPDATE: Discharge of Unfiled Taxes under BAPCPA: No More "Super" Discharge? (citation: ABI Journal, Vol. XXV, No. 5, p. 10, June 2006) - Stephen B. Kass and Alina N. Solodchikova
ON OUR WATCH: USTP's Top Priority: Making Bankruptcy Reform Work (citation: ABI Journal, Vol. XXV, No. 5, p. 16, June 2006) - Clifford J. White III
AFFAIRS OF STATE: What's Left of Sovereign Immunity after Katz? (citation: ABI Journal, Vol. XXV, No. 4, p. 10, May 2006) - Joseph J. Bellinger, Jr. and Matthew G. Summers
BEYOND THE QUILL: Telephonic Court Appearances Reduce Litigation Costs the Easy Way (citation: ABI Journal, Vol. XXV, No. 4, p. 34, May 2006) - Robert V. Alvarado, Jr. and Mark S. Wapnick
CLERK COMMENTARY: A Preview of Our Coming Attractions: Valuable Enhancements to the Bankruptcy Court's CM/ECF (citation: ABI Journal, Vol. XXV, No. 4, p. 36, May 2006) - Susan M. Thurston
CONSUMER CORNER: The "Hanging Paragraph" and Cramdown: 11 U.S.C. §§ 1325(a) and 506 after BAPCPA (citation: ABI Journal, Vol. XXV, No. 4, p. 18, May 2006) - Timothy D. Moratzka
CONSUMER CORNER: Automatic Termination of the Stay upon Second Filing under § 362(c)(3): Are Two Strikes an Out?(citation: ABI Journal, Vol. XXV, No. 3, p. 12, April 2006) - Howard Gershman
FEATURE: Judicial Discretion to Find Abuse under § 707(b)(3) (citation: ABI Journal, Vol. XXV, No. 3, p. 1, April 2006) - Hon. Eugene R. Wedoff
FEATURE: The Lost Day?: Exigent Circumstances and the Timing of Credit Counseling (citation: ABI Journal, Vol. XXV, No. 3, p. 40, April 2006) - Leslie E. Linfield
FEATURE: Understanding the New Semi-Automatic Stay (citation: ABI Journal, Vol. XXV, No. 3, p. 22, April 2006) - Stuart Larsen
LEGISLATIVE UPDATE: 30-Day Lifting of the Automatic Stay under § 362(c)(3)(A): Not What It Purports to Be (citation: ABI Journal, Vol. XXV, No. 3, p. 10, April 2006) - Daniel C. Bruton
NEWS AT 11: Once More into the Breach: The Supreme Court's Sovereign Immunity Decision in Katz (citation: ABI Journal, Vol. XXV, No. 3, p. 32, April 2006) - David B. Stratton
CLERK COMMENTARY: Implementation of BAPCPA-Making It Work (citation: ABI Journal, Vol. XXV, No. 2, p. 28, March 2006) - David D. Bird
CONSUMER CORNER: Unintended Consequences: BAPCPA and the New Disposable Income Test (citation: ABI Journal, Vol. XXV, No. 2, p. 14, March 2006) - Henry E. Hildebrand, III
FEATURE: Understanding the New Semi-Automatic Stay (citation: ABI Journal, Vol. XXV, No. 2, p. 26, March 2006) - Laura J. Margulies
LAST IN LINE: Applicable Commitment Period: Time or Money? (citation: ABI Journal, Vol. XXV, No. 2, p. 16, March 2006) - Alane A. Becket and Thomas A. Lee III
BANKRUPTCY BY THE NUMBERS: Serial Bankruptcy: A 20-Year Study of Utah Filers (citation: ABI Journal, Vol. XXV, No. 1, p. 24, February 2006) - Jean M. Lown
CONSUMER CORNER: Back to Basics: ECF's Benefits Should Be Approached with Caution (citation: ABI Journal, Vol. XXV, No. 1, p. 14, February 2006) - Alane A. Becket
DICTA: Memo to Congress: Fix Needed on New "Best Interest" Test in § 1325(b) (citation: ABI Journal, Vol. XXV, No. 1, p. 46, February 2006) - Hon. Leif M. Clark
FEATURE: Lightning Strikes Thrice: Emerging Issues in Bankruptcy Credit Counseling (citation: ABI Journal, Vol. XXV, No. 1, p. 16, February 2006) - Leslie E. Linfield

Consumer Articles in 2005

CONSUMER CORNER: Careful Planning Remains Important Part of Pre-bankruptcy Negotiations (citation: ABI Journal, Vol. XXIV, No. 10, p. 10, December/January 2006) - John D. Sheehan
FEATURE: Taxing Income in the Year of Bankruptcy under BAPCPA (citation: ABI Journal, Vol. XXIV, No. 10, p. 14, December/January 2006) - Prof. Gregory L. Germain
LEGISLATIVE HIGHLIGHTS: Omnibus Reconciliation Bill Contains Judgeships, Circuit Split, More (citation: ABI Journal, Vol. XXIV, No. 10, p. 3, December/January 2006)
LEGISLATIVE UPDATE: Homestead Exemption No Longer "Debtors' Paradise" (citation: ABI Journal, Vol. XXIV, No. 10, p. 6, December/January 2006) - David A. Samole and David L. Rosendorf
BEYOND THE QUILL: To Blog or Not to Blog? (citation: ABI Journal, Vol. XXIV, No. 9, p. 32, November 2005) - Laura DiBiase
CONSUMER CORNER: Cram-a-lot: The Quest Continues (citation: ABI Journal, Vol. XXIV, No. 9, p. 10, November 2005) - Dianne C. Kerns
FEATURE: The Inapplicability of "Means Testing" to Cases Converted to Chapter 7 (citation: ABI Journal, Vol. XXIV, No. 9, p. 1, November 2005) - G. Eric Brunstad Jr.
LEGISLATIVE HIGHLIGHTS: U.S. Trustee Program Relaxes Enforcement for Hurricane Victims (citation: ABI Journal, Vol. XXIV, No. 9, p. 3, November 2005)
LEGISLATIVE UPDATE: Constitutionality of the Means Test: Does It Lack Uniformity? (citation: ABI Journal, Vol. XXIV, No. 9, p. 6, November 2005) - Thomas E. Ray
LIEN ON ME: Moving Vehicles No Longer Hidden Treasure (citation: ABI Journal, Vol. XXIV, No. 9, p. 20, November 2005) - Jane F. (Ginger) Zimmerman
CLERK COMMENTARY: Building Better Mousetraps: In Praise of Local Innovation (citation: ABI Journal, Vol. XXIV, No. 8, p. 34, October 2005) - George Prentice
CONSUMER CORNER: Good Faith in Chapter 13 — Going Once, Going Twice? (citation: ABI Journal, Vol. XXIV, No. 8, p. 10, October 2005) - Timothy D. Moratzka
FEATURE: Credit Counseling: BAPCPA's Grendel (citation: ABI Journal, Vol. XXIV, No. 8, p. 28, October 2005) - Leslie E. Linfield
LEGISLATIVE UPDATE: Did BAPCPA Eliminate the "Fourth Option" for Individual Debtors' Secured Personal Property? (citation: ABI Journal, Vol. XXIV, No. 8, p. 6, October 2005) - Philip R. Principe
ON OUR WATCH: USTP Addresses New Issues in Approving Credit Counseling and Debtor-education Providers (citation: ABI Journal, Vol. XXIV, No. 8, p. 14, October 2005) - John Fitzgerald and Mark Neal
CODE TO CODE: A Panel Trustee's Ability to Uncover Potential Debtor Abuse: Bankruptcy Law Meets the Fourth Amendment (citation: ABI Journal, Vol. XXIV, No. 7, p. 30, September 2005) - Michael D. Sousa
FEATURE: Ten Principles of BAPCPA: Not What Was Advertised (citation: ABI Journal, Vol. XXIV, No. 7, p. 1, September 2005) - Hon. Keith M. Lundin
LEGISLATIVE HIGHLIGHTS: Courts, EOUST Prepare for BAPCPA (citation: ABI Journal, Vol. XXIV, No. 7, p. 3, September 2005)
LEGISLATIVE UPDATE: Finding a Loophole in the Means Test without Collusion: Will Chapter 7 Involuntaries Be on the Rise? (citation: ABI Journal, Vol. XXIV, No. 7, p. 6, September 2005) - Daniel Morman
BEYOND THE QUILL: Always Look Both Ways - Especially When Using Digital/Electronic Communications (citation: ABI Journal, Vol. XXIV, No. 6, p. 40, July/August 2005) - Jack Seward
CONSUMER CORNER: Means Testing, Dismissal and Conversion Under the New Law (citation: ABI Journal, Vol. XXIV, No. 6, p. 8, July/August 2005) - David W. Allard
LAST IN LINE: Judgement Liens, Homestead Exemptions and Involuntary Bankruptcies: Who Gets What After BAPCPA (citation: ABI Journal, Vol. XXIV, No. 6, p. 20, July/August 2005) - Daniel Morman
STRAIGHT AND NARROW: How to Avoid "Ethically Incorrect" Behavior: Survival Tips Nobody Taught You in Law School (citation: ABI Journal, Vol. XXIV, No. 6, p. 18, July/August 2005) - Scott K. Brown
AFFAIRS OF STATE: The Next Bankruptcy Bill - Karen Cordry
CONSUMER CORNER: Make a Difference: Volunteer for Ch. 7 Pro Bono Cases - George B. Cauthen
FEATURE: Ride-through Revisited (Again): The Strategic Use of the Ride-through Doctrine in the Post-Catapult Era - Mette H. Kurth and Joel Ohlgren
LEGISLATIVE HIGHLIGHTS: Senate Committee Examines Credit Card Industry Marketing
ON OUR WATCH: Bankruptcy Reform Implementation Now Underway at the USTP - Clifford J. White III
STRAIGHT AND NARROW: Empowerment of Creditor Rights: Section 727 Denial of Discharge and the BAPCPA of 2005 - Jack Seward
AFFAIRS OF STATE: Discharging Health Education and Other Government-related Student Loans - Craig Peyton Gaumer
CLERK COMMENTARY: The Bankruptcy Court under Stress - Susan M. Thurston
CONSUMER CORNER: Comprehensive Planning and Training Among Keys to Managing Bankruptcy Cases - Raymond P. Bell Jr.
FEATURE: Consumer Debt Collection: FDCPA Traps for the Unwary Nationwide Lender, Loan Servicer, Debt Collector: Part II - Elizabeth M. Bohn and Ari H. Gerstin
FEATURE: Strange Bedfellows: Bankruptcy Reform and Mandatory Credit Counseling - Leslie E. Linfield
FEATURE: When Is a Secured Creditor Entitled to Adequate Protection? An Emerging Trend - Sydney G. Platzer and Son K. Le
LEGISLATIVE HIGHLIGHTS: Senate Committee Urges More Cleanup of Credit Counseling
LEGISLATIVE UPDATE: S. 256: Summary of Changes Affecting Individual Bankruptcy Cases
ON OUR WATCH: Seize the Opportunity to Improve America's Bankruptcy System - Lawrence A. Friedman
CONSUMER CORNER: The Ties that Bind: Chapter 13 Confirmation Orders - Timothy D. Moratzka
FEATURE: Consumer Debt Collection: FDCPA Traps for the Unwary Nationwide Lender, Loan Servicer and Debt Collector: Part I - Elizabeth M. Bohn and Ari H. Gerstin
FEATURE: Credit Counseling Update: The "Perfect Storm" Brewing - Leslie E. Linfield
LEGISLATIVE HIGHLIGHTS: House Panel Rubber-stamps S. 256: House Floor and White House Await
AFFAIRS OF STATE: Should Chapter 13 Plans Discharge Student Loans? - Craig A. Gargotta
CLERK COMMENTARY: Help Is Only a Click or Call Away - David D. Bird, Clerk of Court
CONSUMER CORNER: Mortgage Options for Former Debtors - Jeffrey Nunley
FEATURE: "May It Please the Court": If I Had Been at Oral Argument in Rousey v. Jacoway: Part II - Prof. C. Scott Pryor
LEGISLATIVE HIGHLIGHTS: Bankruptcy Bill Reintroduced, Reported by Senate Committee: Determined Opposition Expected on Senate Floor
ON OUR WATCH: USTP Data Shows Enhanced System Integrity - Steven D. Dillingham Ph.D., LL.M.
BANKRUPTCY BY THE NUMBERS: Trends in Chapter 13 Disbursements - Gordon Bermant
CONSUMER CORNER: Student Loan Income Contingent Repayment Plans: An Alternative? - Thomas J. Yerbich
FEATURE: "May It Please the Court:" Answers to Questions Not Raised in Rousey v. Jacoway: Part I - Prof. C. Scott Pryor

Consumer Articles in 2004

BANKRUPTCY BY THE NUMBERS: Bankruptcy and Natural Disasters - Ed Flynn
CLERK COMMENTARY: Bankruptcy Courts Recognized for Their Efficiency - Mary M. Weibel
CONSUMER CORNER: Proofs of Claims: A Look at the Forest - Alane A. Becket
FEATURE: "UnTill" We Meet Again: Why the Till Decision Might Not Be the Last Word on Cramdown Interest Rates - Ronald F. Greenspan and Cynthia Nelson
CONSUMER CORNER: Consumer Leases in Chapter 7 - Thomas J. Yerbich
FEATURE: Consumer Credit Counseling Reform: The Good, the Bad and the Ugly - Leslie E. Linfield
LEGISLATIVE HIGHLIGHTS: Last Days of the 108th Congress; Lame Duck Session Looms
LEGISLATIVE UPDATE: Bankruptcy Reform Bill - Prof. Edward Janger
ON OUR WATCH: Get Involved in Financial Literacy Education - Lawrence A. Friedman
AFFAIRS OF STATE: In Pari Delicto Should Not Bar a Trustee's Recovery - Gerald L. Baldwin
CLERK COMMENTARY: The Future of CM/ECF: Less Is More - George Prentice
CONSUMER CORNER: Redemption "Value" Is Hard to Put a Judicial Finger On - Timothy D. Moratzka
STRAIGHT AND NARROW: Chapter 13 Debtor's Counsel: The Other Lamie Shoe: Is Employment Regulated by 11 U.S.C. § 327(a)? - C.R. "Chip" Bowles Jr.
SUPREME COURT UPDATE: From the Petition for Certiorari; From the Brief in Opposition
AFFAIRS OF STATE: Offers-in-compromise in Bankruptcy - Craig A. Gargotta
BANKRUPTCY BY THE NUMBERS: What Is "Success" in Chapter 13? Why Should We Care? - Gordon Bermant
CONSUMER CORNER: Consolidating Creditor Data in Chapter 13 Cases: A Project for Tomorrow Realized Today - Henry E. Hildebrand III
LEGISLATIVE HIGHLIGHTS: Federal Defense of Marriage Act (DOMA) Upheld by Wash. Bankruptcy Court
LETTER TO THE EDITOR - Thomas A. Lee III and Alane A. Becket
ON OUR WATCH: U.S. Trustee Program Promotes Financial Education - Steven Dillingham, Ph.D., LL.M.
BANKRUPTCY BY THE NUMBERS: Riding the Filing Rollercoaster - Ed Flynn and Gordon Bermant
CLERK COMMENTARY: Electronic Filing Survival Guide - Michael D. Webb
CONSUMER CORNER: "It's All About Behavior Modification" - Dianne C. Kerns
FEATURE: Cybernotice: The Next Frontier in Court Efficiency - Michael E. Baum
FEATURE: Debt Buyers Rewriting of Rule 3001: Taking the "Proof" Out of the Claims Process - John Rao
FEATURE: How Do You Count the Votes — or Did Till Tilt the Game? - Thomas J. Yerbich
FEATURE: Student-loan Dischargeability: Does the Doctrine of Laches Apply? - Kris Aungst
FEATURE: Supreme Court Ducks Sovereign Immunity Question: A Recap of the Remaining Circuit Conflicts - Michael J. Lichtenstein
LEGISLATIVE HIGHLIGHTS: Federal Courts Improvement Act Would Clarify Venue Transfer, Privacy Rules - Hon. Roger M. Whelan
LEGISLATIVE UPDATE: Sen. Kerry on Bankruptcy Reform
DICTA: Credit Education for Young People Works - Hon. John C. Ninfo II
LEGISLATIVE HIGHLIGHTS: Bankruptcy Impact on Military a Concern to Pentagon, Congress
ON OUR WATCH: Best Practices for Improved Bankruptcy Administration: Proposed Amendments to Bankruptcy Rules Aid in Case Administration, Enhance Quality of Information - Lawrence A. Friedman
ON THE EDGE: Unsecured Claims and Rule 3001: How Much "Writing" or Supporting Information Is Required? - S. Andrew Jurs
AFFAIRS OF STATE: Chaos in the Courts: The Meaning of "Undue Hardship" in 11 U.S.C. § 523(a)(8) and the Argument for Establishing a Uniform Federal Standard - Craig Peyton Gaumer
CONSUMER CORNER: Exclusions and Exemptions - Thomas J. Yerbich
LEGISLATIVE HIGHLIGHTS: Will Senate Take Time for BK Bill?
STRAIGHT AND NARROW: Watching Sausage Being MadeâEUR"the Supreme Court, Not the FDA: Lamie v. U.S. Trustee - C.R. "Chip" Bowles Jr.
WARREN AND WESTBROOK, PROFESSORS OF LAW: Remembering Chapter 7 - Prof. Elizabeth Warren and Prof. Jay L. Westbrook
AFFAIRS OF STATE: Defining the "Governmental Unit" - Marvin E. Sprouse III
FEATURE: Bankruptcy Discharge of Tax Debts: Navigating the Minefield - Paul H. Waldman and Kenneth J. Berke
FEATURE: Supreme Court Clarifies Subject-matter Jurisdiction Label: Lessons of Kontrick v. Ryan - G. Eric Brunstad and Mary L. Weil
LEGISLATIVE HIGHLIGHTS: Ch. 13 Debt Limits, Exemption Limits Raised
AFFAIRS OF STATE: Epilogue: A Concluding Discussion on Tax Compliance in Consumer Cases - Craig A. Gargotta
BANKRUPTCY BY THE NUMBERS: Who's Number One? - Ed Flynn and Gordon Bermant
FEATURE: Is Late Really Late? Bankruptcy Courts' Responses to Untimely Objections to Plan Confirmation Under Local Rules - Philip R. Principe
FEATURE: What's the Cramdown Interest Rate in Chapter 13? Supreme Court to Decide - G. Eric Brunstad and Scott A. Wood
LEGISLATIVE UPDATE
CONSUMER CORNER: Testing the Limits on Unbundled, Limited Representation - Thomas J. Yerbich
LEGISLATIVE UPDATE: Should the "Plain Meaning" Always Prevail? Supreme Court Hears Oral Argument of "Debtor's Attorney" in Section 330(a)(1) - Hon. Roger M. Whelan
STRAIGHT & NARROW: Federal Questions: Recent Appeals Court Cases of Note - C.R. "Chip" Bowles Jr.

Consumer Articles in 2003

BANKRUPTCY BY THE NUMBERS: Credit Card Debt in Chapter 7 Cases - Ed Flynn and Gordon Bermant
CONSUMER CORNER: Property of the Estate: Focusing in on Section 348(f) - Dianne C. Kerns and Stanley J. Kartchner
LEGISLATIVE HIGHLIGHTS: 108th Congress: 1st Session Wrap
ON OUR WATCH: The U.S. Trustee Program's Criminal Enforcement Unit: Another Weapon in the Fight Against Bankruptcy Fraud and Abuse - Peter Ainsworth and Robert Calo
SUGGESTED READING: The Gloom & Doom Trap: The Two-income Trap: Why Middle-class Mothers and Fathers Are Going Broke - Ford Elsaesser
WARREN & WESTBROOK, PROFESSORS OF LAW: Go Directly to Jail; Do Not Collect $200 - Prof. Elizabeth Warren and Prof. Jay L. Westbrook
AFFAIRS OF STATE: States' Rights and the Bankruptcy Code - Craig Peyton Gaumer
BEYOND THE QUILL: Identity Theft in the Bankruptcy World - Laura DiBiase
CONSUMER CORNER: "You've Got Mail" - Is E-mail Noticing Too Much of a Good Thing? - Alane A. Becket and Tom Lee
LEGISLATIVE HIGHLIGHTS: Financial Literacy Bills Advance in Senate
LEGISLATIVE UPDATE: Retirement Savings and Bankruptcy: Recent Developments - Prof. Marianne B. Culhane
CONSUMER CORNER: Plan Modification May Be a Fait Accompli and Shift Risk of Loss - Timothy D. Moratzka
FEATURE ARTICLE: Bankruptcy Cases on the Supreme Court's October Term: Part II - Prof. Marianne B. Culhane
LEGISLATIVE HIGHLIGHTS: Presidential Hopefuls Take Differing Views on Bankruptcy Reform
LEGISLATIVE UPDATE: H.R. 975 Flunks the Common-sense Test When It Comes to Child Support - Hon. Margaret Dee McGarity
AFFAIRS OF STATE: The Earned Income Tax Credit (EITC) and "Head of Household" Status: Tax Benefits or Compliance Burdens? - Craig A. Gargotta
BANKRUPTCY BY THE NUMBERS: Be It Ever So Humble, There's No Place Like Home - Ed Flynn and Gordon Bermant
CONSUMER CORNER: The Sad State of Mortgage Service Providers - Henry E. Hildebrand III
LEGISLATIVE UPDATE: Bankruptcy Cases on the Supreme Court's October Term - Prof. Marianne B. Culhane
ON OUR WATCH: U.S. Trustee Program Expands Training Opportunities - Steve Goldring
BANKRUPTCY BY THE NUMBERS: What's Stigma Got to Do with It? - Gordon Bermant
CLERK COMMENTARY: New Privacy Rules Effective Dec. 1, 2003: From Conception to Implementation - Susan Thurston
CONSUMER CORNER: The Coming Exodus of Consumer Counsel - Thomas Yerbich
BANKRUPTCY BY THE NUMBERS: A Day in Bankruptcy - Ed Flynn and Gordon Bermant
BANKRUPTCY BY THE NUMBERS: Chapter 7 Asset Cases: Part II - Ed Flynn, Gordon Bermant and Suzanne Hazard
CLERK COMMENTARY: Electronic Filing and the Demise of the Original Signature - Mark Van Allsburg
CONSUMER CORNER: Market Rate of Interest - Now What? - Thomas Ray
CONSUMER CORNER: Fresh Start, Head Start or Running Start: Bankruptcy Exemption Planning - Timothy D. Moratzka
FEATURE ARTICLE: "Crosswhiting" The Debtor's Fresh Start: Recent Decisions Regarding the Non-dischargeability of Marital Obligations - David Meth
ON OUR WATCH: Beyond Identifying the Problem: Debtor ID Initiatives Move Ahead - Martha Davis and Jane Limprecht
BANKRUPTCY BY THE NUMBERS: High-debt Debtors - Ed Flynn and Gordon Bermant
CLERK COMMENTARY: Working Together: The Clerk's Office and the U.S. Trustee - William Blevins
CONSUMER CORNER: Bankruptcy Petition Preparers: What Is the Future? - Thomas Yerbich
WARREN & WESTBROOK ON BANKRUPTCY: Class Actions for Post-petition Wrongs: National Relief Against National Creditors - Prof. Elizabeth Warren and Prof. Jay L. Westbrook
BANKRUPTCY BY THE NUMBERS: Chapter 13 Disbursements in Fiscal Year 2001: Continued Growth and a New Finding - Gordon Bermant and Ed Flynn
CONSUMER CORNER: Toward a More Perfect Plan - Henry E. Hildebrand III
FEATURE ARTICLE: Interview with EOUST Director Lawrence Friedman
FEATURE ARTICLE: Property of the Estate - To Be or Not to Be? That Is the Question the Trustee Asks of Thee: Part II - Blanche D. Smith

Consumer Articles in 2002

BANKRUPTCY BY THE NUMBERS: Chapter 7 Asset Cases - Ed Flynn, Gordon Bermant and Suzanne Hazard
CLERK COMMENTARY: The Clerk's Office: An Underutilized Resource - Michael D. Webb
FEATURE: Property of the Estate - To Be or Not to Be? That Is the Question the Trustee Asks of Thee: Part I - Blanche D. Smith
LEGISLATIVE HIGHLIGHTS: Legislation Thrown for Loss: Hail Mary Pass Fails at End of 107th
AFFAIRS OF STATE: Should Assistant U.S. Trustees Serve as Experts in Fraud Proceedings? - Craig Peyton Gaumer
BANKRUPTCY BY THE NUMBERS: Nihilism by the Numbers? - Gordon Bermant
LEGISLATIVE HIGHLIGHTS: Lame Duck = Last Chance for Bankruptcy Bill?
PRACTICE & PROCEDURE: Exempt Property and the Absolute Priority Rule in Individual Chapter 11s - Bruce H. White and William L. Medford
BANKRUPTCY BY THE NUMBERS: A Tale of Two Chapters: Financial Data - Ed Flynn, Gordon Bermant and Karen Bakewell
CLERK COMMENTARY: Are You Receiving Notice of a Bankruptcy Filing as Soon as You Could Be? - Susan M. Thurston
LEGISLATIVE HIGHLIGHTS: Bankruptcy Bill Stalemate, Again
AFFAIRS OF STATE: The Problem with Late Claims in Chapter 13 - Robert K. Coulter
BANKRUPTCY BY THE NUMBERS: A Tale of Two Chapters - Ed Flynn and Gordon Bermant
CLERK COMMENTARY: Primer on Advanced Courtroom Technology - Mary M. Weibel
CODE TO CODE: Collateral Estoppel and Dischargeability Proceedings - Carlos J. Cuevas
DICTA: On Promoting "Uniform Laws Respecting Bankruptcy" - Hon. Leif M. Clark
CONSUMER CORNER: Judicial Estoppel in Chapters 7 and 13 - Thomas E. Ray
LEGISLATIVE HIGHLIGHTS: Bankruptcy Bill Update: Hyde/Schumer Continue to Trade Language on Clinic Access
CONSUMER CORNER: In re Jamo: 1st Circuit Increases Creditor Leverage in Reaffirmations - David B. Wheeler
LEGISLATIVE HIGHLIGHTS: Bankruptcy Bill Conference Reaches Critical Stage
Legislative Update
ON OUR WATCH: A New Approach to Accountability in the Bankruptcy System - Lawrence A. Friedman
STRAIGHT & NARROW: Goldilocks, Bankruptcy and Divorce: Are the Adversarial Relationships Too Much, Not Enough or Just Right? - C.R. "Chip" Bowles Jr.
AFFAIRS OF STATE: When Two Worlds Collide: The Relationship and Conflicts Between Asset Forfeiture and Bankruptcy Law - Craig Peyton Gaumer
BANKRUPTCY BY THE NUMBERS: Just Recently Hired: Job Tenure Among No-asset Chapter 7 Debtors - Gordon Bermant, Ed Flynn and Karen Bakewell
CLERK COMMENTARY: Where to Go to Be in the Know: Court Web Sites - David D. Bird
CODE TO CODE: Collateral Estoppel and Dischargeability Proceedings: Part I - Carlos J. Cuevas
CONSUMER CORNER: Are Windfalls Part of a Fresh Start? Avoidance of Judicial Liens Under 11 U.S.C. § 522(f) - Timothy D. Moratzka
DICTA: Tips and Tricks - Hon. Leif M. Clark
LEGISLATIVE HIGHLIGHTS: House Passes Short-term Chapter 12 Extension, Sets Date for Further Conference on Omnibus Bill
LEGISLATIVE UPDATE: Kohl Letter Urges Colleagues to Keep Homestead Cap
Letter to the Editor - Kenneth L. Anderson
AFFAIRS OF STATE: Avoiding the Tax Lien on Personal Property - Kenneth Stohner Jr.
BANKRUPTCY BY THE NUMBERS: A Closer Look at Elderly Chapter 7 Debtors - Ed Flynn, Gordon Bermant and Karen Bakewell
CONSUMER CORNER: Is the Fragile Middle Class About to Shatter? - Thomas J. Yerbich
LEGISLATIVE HIGHLIGHTS: Senate Passes Permanent Reenactment of Chapter 12
LEGISLATIVE UPDATE: Sensenbrenner Promotes Latest House Offer on Legislation
ON OUR WATCH: Entering the 21st Century: Some Views on Electronic Case Filing from the U.S. Trustee's Perspective - Donald F. Walton and W. Clarkson McDow Jr.
AFFAIRS OF STATE: The Enforceability of Restitution Liens Under the Mandatory Victims Restitution Act - Craig A. Gargotta
CLERK COMMENTARY: Is Electronic Filing in Your Future? - Larry Bick
CONSUMER CORNER: An Uneasy Harmony: The Intersection of the Bankruptcy Code and the Fair Debt CollectionPractices Act - Alane A. Becket
LEGISLATIVE UPDATE: Proposed Rules Amendments Published for Public Comment
AFFAIRS OF STATE: Family Surety May Not Discharge Bail Forfeiture: Section 523(a)(7)'s Non-dischargeability Provision Held Applicable to Bail Sureties - Joseph DiGiuseppe
BANKRUPTCY BY THE NUMBERS: Thoughts on the "Local Legal Culture": The Case of Consumer Chapter Choice - Gordon Bermant, Ed Flynn and Karen Bakewell
CONSUMER CORNER: Recent Developments in Consumer Debt Counseling Agencies: The Need for Reform - David A. Lander

Consumer Articles in 2001

AFFAIRS OF STATE: Why Aren't Bail Bond Forfeitures "Forfeitures?" - Karen Cordry
BANKRUPTCY BY THE NUMBERS: Filers Most Likely in 25-44 Age Range - Ed Flynn and Gordon Bermant
CONSUMER CORNER: Creditors Beware: Tying Reaffirmations to New Credit Can Violate Automatic Stay - Timothy D. Moratzka
FEATURE: NCBJ Address: The Meaning of Consumer Credit in the United States - Prof. Lendol Calder
LEGISLATIVE HIGHLIGHTS: House-Senate Conferees Meet: Sharp Differences Remain and Future in Doubt
ON OUR WATCH: Ensuring Good Counsel for Debtors: Quality of Representation Raises Troubling Questions - Jan Samuel Ostrovsky
AFFAIRS OF STATE: The Never-ending Story? The Statute of Limitations for Concealing Assets from a Bankruptcy Estate - Craig Peyton Gaumer
BANKRUPTCY BY THE NUMBERS: Chapter 13 Disbursements in Fiscal Year 2000: Steady Growth - Gordon Bermant and Ed Flynn
CODE TO CODE: Permissive Bankruptcy Abstention and Domestic Relations: Part II - Carlos J. Cuevas and Theodore P. Kaplan
LEGISLATIVE HIGHLIGHTS: Will Congress "Break Off Some Pieces" of H.R. 333?
LIEN ON ME: Consumer Avoidance of Non-purchase-money Security Interests Under Revised Article 9 - Prof. G. Ray Warner
BANKRUPTCY BY THE NUMBERS: The Class of 2000 - Ed Flynn and Gordon Bermant
CONSUMER CORNER: Fifth Circuit Sets Its Standard for Credit Card Non-dischargeability - Alane A. Backet
LEGISLATIVE HIGHLIGHTS: Bankruptcy Legislation Hits Latest Wall
LEGISLATIVE UPDATE: Means-testing Primer - Prof. Jack F. Williams
AFFAIRS OF STATE: The IRS's Right to Collect Discharged Taxes Against Tax Refunds - Craig A. Gargotta
BANKRUPTCY BY THE NUMBERS: Explaining the (Complex) Causes of Consumer Bankruptcy - Gordon Bermant and Ed Flynn
BEYOND THE QUILL: A "Cat" of Many Lives - Hon. Lee M. Jackwig
LEGISLATIVE HIGHLIGHTS: House-Senate Try to Reconcle Reform Bill this Fall
BANKRUPTCY BY THE NUMBERS: The Impact of the Coming Fee-waiver Provision - Ed Flynn and Gordon Bermant
CONSUMER CORNER: The Debtor and the Blown Engine: Plan Flexibility in Light of Nolan v. Chrysler Financial Services - Henry E. Hildebrand III
DICTA: The Ripple Effect - Hon. Leif M. Clark
LEGISLATIVE HIGHLIGHTS: Senate Passes Bankruptcy Bill Again; Names Conferees
LEGISLATIVE UPDATE: Ruminating on the Proposed Bankruptcy Bill - Prof. Jack F. Williams
BANKRUPTCY BY THE NUMBERS: Chapter 13: Who Pays the Mortgage? - Gordon Bermant and Ed Flynn
CONSUMER CORNER: Section 108: Toll or Trap? - David B. Wheeler
LEGISLATIVE HIGHLIGHTS: Bush Temporarily Extends Chapter 12
ON THE EDGE: Class Actions and Proofs of Claim: The Latest Minefield - Rhonda L. Nelson
AFFAIRS OF STATE: Money Laundering, Asset Forfeiture and Bankruptcy Fraud - Craig Peyton Gaumer
BANKRUPTCY BY THE NUMBERS: Filing Projections - Ed Flynn and Gordon Bermant
CONSUMER CORNER: The "Castle" Under Attack: Homesteads and Bankruptcy - Timothy D. Moratzka
CONSUMER CORNER: The "Castle" Under Attack: Homesteads and Bankruptcy - Timothy D. Moratzka
BANKRUPTCY BY THE NUMBERS: Sources of Variability in Chapter 13 Performance - Gordon Bermant and Ed Flynn
FEATURE: House, Senate Approve Sweeping New Law; Conference Committee Next Step Forward
ON OUR WATCH: Beyond the Bankruptcy Bill: Transparency in the Bankruptcy System - Martha Davis
BANKRUPTCY BY THE NUMBERS: Not Many Debtors Can Wear This Mini - Ed Flynn and Gordon Bermant
CONSUMER CORNER: Debtors Beware: Reaffirmation Agreements Can Be Hard to Rescind - Thomas E. Ray
LEGISLATIVE HIGHLIGHTS: House Panel Clears Bill; Senate Committee Up Next
BANKRUPTCY BY THE NUMBERS: Planning for Change: Credit Counseling at the Threshold of Bankruptcy - Gordon Bermant and Ed Flynn
CONSUMER CORNER: Bankruptcy Reform in the 107th Congress: Deja Vu All Over Again - Henry E. Hildebrand III
FEATURE: Changes in the New Congress Could Impact Pace of Bankruptcy Reform Legislation
LEGISLATIVE HIGHLIGHTS: New Bills Introduced
ON OUR WATCH: The Law of Reopening - Revisited - Alexander L. Edgar

Consumer Articles in 2000

AFFAIRS OF STATE: Unfinished Business: What the Bankruptcy Reform Bill Still Needs to Fix - Karen Cordry
BANKRUPTCY BY THE NUMBERS: How Fresh Is the Fresh Start? - Ed Flynn and Gordon Bermant
CODE TO CODE: Constructive Trusts: A Response - Sections 544(a)(1) and (2) and Interests in Personalty vs. Section 544(a)(3) and Interests in Real Property - Brian F. Kenney
FEATURE: The Match Continues: First Circuit Rules on Remedies for Discharge Violations - Gary Klein and John Rao
LEGISLATIVE HIGHLIGHTS: "Lame Duck Session Deferred to December: Bankruptcy Legislation Chances Reportedly "Slim to None"
ON OUR WATCH: Dealing with Identity Theft in Bankruptcy Cases - Jane E. Limprecht
AFFAIRS OF STATE: Giving God the Unavoidable Preference: Tithing and the Religious Liberty and Charitable Donation Protection Act of 1998 - John K. Turner
BANKRUPTCY BY THE NUMBERS: Stability and Change in Chapter 13 Activity (1990-1999) - Gordon Bermant and Ed Flynn
CODE TO CODE: Gruntz v. County of Los Angeles (In re Gruntz): Part II - Carlos J. Cuevas
LEGISLATIVE HIGHLIGHTS: Bankruptcy Bill a Cliffhanger as Session Nears End
LIEN ON ME: Automobiles and Titled Collateral Under Revised Article 9 - Prof. G. Ray Warner
BANKRUPTCY BY THE NUMBERS: Charging Their Way into Bankruptcy - Ed Flynn and Gordon Bermant
CODE TO CODE: Gruntz v. County of Los Angeles (In re Gruntz): Part I - Carlos J. Cuevas
LEGISLATIVE HIGHLIGHTS: Reform Bill Goes Down to the Wire
AFFAIRS OF STATE: The Demise of the Wholly Unsecured Lien on Residential Property - Craig A. Gargotta
BANKRUPTCY BY THE NUMBERS: Lifestyles of the Rich and Bankrupt - Ed Flynn and Gordon Bermant
FEATURE: Creditors' Rights Require Protection in the Reaffirmation Process - Timothy D. Zeiger
FEATURE: Self-settled Spendthrift Trusts Move Close to Home - Thomas L. Flynn and Matthew T. Cronin
AFFAIRS OF STATE: Civil Remedies for Bankruptcy Fraud - Craig Peyton Gaumer
BANKRUPTCY BY THE NUMBERS: Measuring Projected Performance in Chapter 13: Comparisons Across the States - Gordon Bermant and Ed Flynn
CONSUMER CORNER: Why We Should All Be Booing Boodrow - Matthew J. McGowan
FEATURE: Chapter 13 Plan Confirmation: It's Final! — Maybe... - Alane A. Becket
FEATURE: Outlook Grim for Bankruptcy Reform Bill
Legislative Update
AFFAIRS OF STATE: Missing the Forest for the Trees - Karen Cordry
BANKRUPTCY BY THE NUMBERS: Estimating Means-tested Chapter 13 Case Yields from Current Chapter 13 Performance - Ed Flynn and Gordon Bermant
CONSUMER CORNER: Consensual Redemption Agreements: Outside the Scope of Judicial Authority? - David B. Wheeler
LEGISLATIVE HIGHLIGHTS: Bankruptcy Bill Hanging in the Balance: Crop Insurance Bill Still Eyed as Possible Vehicle
Legislative Update
ON OUR WATCH: Protecting Financial Information in Consumer Bankruptcy Cases - Joseph A. Guzinski
AFFAIRS OF STATE: Privacy Concerns and Safeguards in the Governmental Dissemination of Bankruptcy Data on the Internet - Richard Lauter
BANKRUPTCY BY THE NUMBERS: Distributions and Expenses in Chapter 13 - Gordon Bermant and Ed Flynn
FEATURE: Congress Adjourns for Spring Recess; Bankruptcy Bill Left Hanging
BANKRUPTCY BY THE NUMBERS: "On the Evidence of These Numbers:" Why Consumers File for Bankruptcy - Ed Flynn and Gordon Bermant
BEYOND THE QUILL: Click Here for a Free Consultation - Laura DiBiase
CONSUMER CORNER: Charitable Contributions and Disposable Income - Henry E. Hildebrand III
DIRECTOR'S COLUMN: From the Director - Samuel J. Gerdano
LEGISLATIVE UPDATE: Department of Justice Comments on Bankruptcy Reform Legislation
FEATURE: Impact of Pending Bankruptcy Legislation on Low-income Debtors - Gary Klein
ON OUR WATCH: Effectiveness and Accountability: Twin Goals of Bankruptcy Reform - Kevyn D. Orr
BANKRUPTCY BY THE NUMBERS: A Small New Window on Outcomes in Chapter 13 - Gordon Bermant and Ed Flynn
CONSUMER CORNER: Breaking the "Information Monopoly": The Perils to a Debtor of Modifying a Chapter 13 Plan - Joseph R. Prochaska
DICTA: Living with a New Bankruptcy Law - Hon. Leif M. Clark
FEATURE: Senate Passes Bankruptcy Reform Bill 83-14; Conference with House Next on Agenda
LEGISLATIVE HIGHLIGHTS: Official House-Senate Conference on Hold, Awaits Resolution of Minimum Wage and Tax Package
LEGISLATIVE UPDATE: Summary of Key Areas of Disagreement: S. 625/H.R. 833 Conference
LIEN ON ME: New Filing Rules Follow the Debtor - Prof. G. Ray Warner
AFFAIRS OF STATE: Policing the Bankruptcy System: An Informal Statistical Analysis of U.S. Bankruptcy Fraud Prosecutions - Craig Peyton Gaumer
BANKRUPTCY BY THE NUMBERS: Pre-bankruptcy Planning Limits Means-testing Impact - Ed Flynn and Gordon Bermant
CONSUMER CORNER: Post-petition Claims and the Automatic Stay in Chapter 13 - Thomas E. Ray
DICTA: Doing It Right - Hon. Leif M. Clark
LEGISLATIVE HIGHLIGHTS: Bankruptcy Bill Ready to Head to House-Senate Conference?
ON OUR WATCH: A Few Shots Astern - Joseph Patchan

Consumer Articles in 1999

BANKRUPTCY BY THE NUMBERS: Consumer Filings in a Complex Economy - Gordon Bermant and Ed Flynn
CONSUMER CORNER: Implementation of the Needs-based Review - Robert Waldschmidt
FEATURE: Legislative Intent or Judicial Myth-making? No Legislative History Supports Policy Arguments Advanced Against Stripdown - Gary Klein
FEATURE: S. 625 Stymied; Back on Floor in Early 2000
LEGISLATIVE UPDATE
BANKRUPTCY BY THE NUMBERS: Means Testing: Lessons Learned from a Single Case - Ed Flynn and Gordon Bermant
CONSUMER CORNER: Whose Property Is It Anyway? Evaluating the Rights and Obligations of Post-confirmation Debtors and Creditors in Chapter 13 - David B. Wheeler
LEGISLATIVE HIGHLIGHTS: Update on S. 625
ON OUR WATCH: New Challenges for Attorneys Signing Reaffirmation Agreements: Meeting a Heightened Standard of Judicial Review - J. Christopher Marshall and Eric K. Bradford
BANKRUPTCY BY THE NUMBERS: Income Trajectories, Debts and Expenses of Some Chapter 7 Debtors, 1996-1998 - Gordon Bermant and Ed Flynn
FEATURE: DePrizio Lives (in a Mobile Home in Oregon) - John C. Murray
FEATURE: Incoming NCBJ President Shares Views on Shape of Bankruptcy System
BANKRUPTCY BY THE NUMBERS: Demographics of Chapter 7 Debtors - Ed Flynn and Gordon Bermant
DICTA: 21st Century Trustees - Hon. Lisa Hill Fenning
LEGISLATIVE UPDATE: Section 102 ("Dismissal or conversion")
AFFAIRS OF STATE: Caveat Counsel: Pitfalls That Can Lead to the Prosecution of Attorneys for Bankruptcy Crimes - Craig Peyton Gaumer
BANKRUPTCY BY THE NUMBERS: Bankruptcy Reform:Finding the Best Gross Income Test - Gordon Bermant
CONSUMER CORNER: Should Charity Begin with Bankruptcy? - Alane A. Becket
FEATURE: S. 625 Set for Full Senate Action in Fall
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE
AFFAIRS OF STATE: Consumer Protection and the Code: Pre-emption and Enforcement - Karen Cordry
BANKRUPTCY BY THE NUMBERS: Low-income Chapter 7 Debtors - Ed Flynn
FEATURE: House Passes Major Reform Bill by Wide Margin
LEGISLATIVE HIGHLIGHTS
ON OUR WATCH: A New Role for U.S. Trustees: Approval of Credit Counseling Services - Sue Ann Slates
BANKRUPTCY BY THE NUMBERS: Exploring the Demographics of Consumer Chapter Choice - Gordon Bermant
CONSUMER CORNER: "Best Interests of Creditors": An Equitable Rule in the Eighth Circuit - Timothy D. Moratzka
FEATURE: Senate, House Panels Clear Reform Bill
LEGISLATIVE UPDATE
BANKRUPTCY BY THE NUMBERS: Geographic Filing Trends - Ed Flynn
FEATURE: ABI Testifies on Bankruptcy Reform Bill
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE
ON OUR WATCH: Send in the SWAT Team: Investigating Embezzlement from Bankruptcy Trust Funds - Martha Hallowell and Michael Sorgaard
BANKRUPTCY BY THE NUMBERS: One-hand Clapping: What We Know, and Still Need to Know, About Consumer Cases - Gordon Bermant
CONSUMER CORNER: The Future of a Harsh Result: In re Harshbarger - Henry E. Hildebrand III
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE
PRACTICE & PROCEDURE: The Soldiers' and Sailors' Relief Act - Are You Stayed from Obtaining Relief from the Automatic Stay? - Bruce H. White and William Medford
AFFAIRS OF STATE: How Can the Department of Justice Better Combat Bankruptcy Crimes? - Craig Peyton Gaumer
CONSUMER CORNER: Qualified Plan Loans in Bankruptcy - Debra Lee Allen
DICTA: The Human Side of Bankruptcy - Hon. John C. Akard
ON OUR WATCH: A Trustee's Guide to Selected Legal Issues in Chapter 7 Final Reports - Richard C. Friedman
ON THE EDGE: The Enforceability of Dragnet Clauses - David I. Cisar

Consumer Articles in 1998

CONSUMER CORNER: Recent First Circuit Developments and Persisting Problems Regarding Avoidance of Impairing Liens - Lynne F. Riley and Kathleen M. Conlon
FEATURE: Picking Up the Pieces on Bankruptcy Reform
FEATURE: Tension Between the Trustee and the Tithe: Is P.L. 105-183 Absolution? - Prof. C. Scott Pryor
AFFAIRS OF STATE: Congress Amends Section 523(a)(8) to Eliminate Seven-year Discharge Provision for Student Loans - Craig A. Gargotta
CONSUMER CORNER: Redemption Under Section 722: Possible End-run Around Rash - David B. Wheeler
DICTA: Dodging a Bullet - Hon. Leif M. Clark
FEATURE: Bankruptcy Reform Bill Dies at End of Session
LEGISLATIVE HIGHLIGHTS: 105th Congress Box Score: What Didn't Happen
LEGISLATIVE UPDATE: Religious Liberty and Charitable Donation Protection Act (P.L. 105-183)
AFFAIRS OF STATE: Government's Emerging Role as a Source of Empirical Information in Bankruptcy Cases - Joseph A. Guzinski
CONSUMER CORNER: "Riding Through", Sitting Tight and Repossession - George J. Wallace
FEATURE: Bankruptcy Rates Linked to Financial Literacy - Dara Duguay
FEATURE: Incoming NCBJ President Speaks Out on Pending Legislation
FEATURE: Senate Bill Passes 97-1, Conference Next
LEGISLATIVE HIGHLIGHTS: Loose Ends of 105th Congress
LEGISLATIVE UPDATE: Key Areas of Disagreement — Consumer Bankruptcy
ON OUR WATCH: For $800 and the Deed to Your Home: Bankruptcy Foreclosure Scams Target Distressed Homeowners - Jane Limprecht
PRACTICE & PROCEDURE: Redemption or Reaffirmation - Are These the Only Alternatives for a Chapter 7 Debtor Retaining Collateral Under 11 U.S.C. Section 521(2)(A)? - Bruce H. White and Maria Belfield
AFFAIRS OF STATE: Breaking the Code of Silence (Revisited): Conflicting Views on the Scope of the Attorney-Client Privilege in Bankruptcy Proceedings - Craig Peyton Gaumer
CONSUMER CORNER: Avoiding Non-possessory, Non-purchase-Money Security Interests in Household Goods Under Section 522(f) - What Is Protected? - Thomas E. Ray
DICTA: Calling Credit Card Lenders to Account - Hon. Leif M. Clark
FEATURE: Measuring Means-testing: It's All in the Words - Ed Flynn and Gordon Bermant
LEGISLATIVE UPDATE
LEGISLATIVE HIGHLIGHTS
PRACTICE & PROCEDURE: May a Debtor Cure a Mortgage Default to Which He Is Not a Party Through a Chapter 13 Plan? - Bruce H. White and Maria Belfield
CONSUMER CORNER: Post-confirmation Interest Rates in Chapter 13 Cases - Timothy D. Moratzka
LEGISLATIVE HIGHLIGHTS
ON THE EDGE: Popa Disciplines the Capital Gains Tax - David M. Warren
AFFAIRS OF STATE: The Section 1325(a)(5)(B)(i) Paradox: Lien Stripping in Chapter 13 and the Need for Congressional Clarity - Craig A. Gargotta
CONSUMER CORNER: Just What Is "Justifiable Reliance"? - Alane A. Becket
LEGISLATIVE HIGHLIGHTS: Bankruptcy Reform Update
ON OUR WATCH: High Stakes: Gambling on Dischargeability - Alexander L. Edgar and Ellen L. Triebold
PRACTICE & PROCEDURE: Is the Debtor's Failure to List Claims Fatal? - Bruce H. White and Maria Belfield
CONSUMER CORNER: The Hidden Costs of Bankruptcy Reform - Henry E. Hildebrand III
DICTA: Needs-based Bankruptcy: On What Is the "Need" Based? - Hon. Leif M. Clark
LEGISLATIVE HIGHLIGHTS
BANKRUPTCY BY THE NUMBERS: Myths or Misconceptions about Consumer Bankruptcy Trends? - Ed Flynn
DICTA: Personalizing the Bankruptcy Numbers - Hon. Leif M. Clark
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE: The Bankruptcy Reform Act of 1998
CONSUMER CORNER: Section 1322(c)(2) - A Limited Exception to the Exception - Luis Chaves
FEATURE: Impact of Credit Card Use on Consumer Bankruptcies - Charles A. Docter
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE
PRACTICE AND PROCEDURE: Is a Debtor's Right to Convert Under Section 706(a) Really Absolute? - Bruce H. White

Consumer Articles in 1997

BANKRUPTCY BY THE NUMBERS: Bankruptcy by the Numbers: Still Climbing - Ed Flynn
CONSUMER CORNER: In Rem Orders — A Necessary Exception to the Stay - Luis Chaves
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE
PRACTICE AND PROCEDURE: Debtors' Redemption Rights in Repossessed Vehicles and Turnover of Estate Property - Bruce H. White
AFFAIRS OF STATE: Abusive or Serial Filings: Is There an Answer to Post-petition Tax Non-compliance? - Craig A. Gargotta
CONSUMER CORNER: Reaffirmation or Redemption Reprise: The Second Circuit Speaks - Joseph R. Prochaska
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE
ON OUR WATCH: Ineffectual Denial of Discharge: Lamentations on 11 U.S.C. §§ 727(a)(8) and (9) - Kevin P. Dempsey
AFFAIRS OF STATE: Illinois Survey of Tax Non-filers in Chapter 13 Shows Non-compliance - James D. Newbold
CONSUMER CORNER: Reaffirmation or Redemption — The Only Alternatives? - Thomas E. Ray
FEATURE: Incoming NCBJ President Looks Ahead at Issues
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE
BEYOND THE QUILL: Better & Faster Data: The Debut of the U.S. Party/Case Index - Hon. Lee M. Jackwig
CONSUMER CORNER: "Stripoff" of Completely Secured Mortgage Covering Debtor's Principal Residence - Janna L. Countryman
FEATURE: Commission Wraps Up Public Meetings: Sharp Divisions on Many Consumer and Business Issues - Samuel J. Gerdano
LEGISLATIVE HIGHLIGHTS
LEGISLATIVE UPDATE
PRACTICE AND PROCEDURE: The Pitfalls of § 362(e) - Bruce H. White