In an unexpected decision, the 6th Circuit Court of Appeals upheld Michigan’s exemption law that was enacted shortly after the 2005 Amendments to the US Bankruptcy Code. The case is In re Schafer and was recommended for full-text publication. The State Exemption allowances now allow Michigan residents a viable alternative to the Federal Bankruptcy Exemptions….

The most common violations under the Fair Debt Collection Practices Act include the following: Communications with third parties about your alleged debt; Communicating with you after you have sent a written cease and desist letter; Any contact with you by post card or with an envelope that identifies itself as a debt collector; Contacting you…

Here is a list of the notable Bankruptcy Court decisions from the past 2 years: 1. Rash. In this case, the US Supreme Court determined that the value of a secured creditor’s claim in a Chapter 13 cram down is based on the value of the property retained  is based on “the cost the cost…

How about recovering almost $7,000 in pre-petition garnishments for clients? Through our persistent efforts, we have helped clients recover almost $7,000 in money that was garnished from their wages, bank accounts and state income tax returns. We filed the necessary documents to get the underlying actions (judgments) stayed and then followed up on every garnishment…

In a long awaited decision, Judge Opperman upheld the Mortgage Modification provisions introduced by Chapter 13 Trustee Thomas W. McDonald, Jr. earlier this year. In the case In re Summers, Judge Opperman established the procedures through which a Chapter 13 Debtor could seek to modify the terms of their mortgage. The only provision that was…