Warning Label - This Blog is NOT LEGAL ADVICE

Legal issues and bankruptcy questions are frequently complex and individual. The information contained here is intended to be educational only: it is not legal advice nor does it create an attorney client relationship between you, the reader, and the blogger. You should consult with a bankruptcy or other attorney licensed to practice in your state for advice about your particular situation.

The blogger is a California licensed attorney admitted to practice in each of California's US District Courts (Central, Southern, Northern, Eastern) and Bankruptcy Courts and the Ninth Circuit of the US Court of Appeals. Again, he is not your attorney. You are not his client. Any legal information on this blog is for educational purposes and to give general information and a general understanding of the law. It is not to provide specific legal advice. This legal information may or may not be currently accurate. The law changes constantly. The legal information contained on any linked website may or may not be accurate. He is not responsible for linked content, nor will they listen to him in any event.

The blogger is also licensed as a broker by the California Department of Real Estate.

More shuck and jive:

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13. I AM NOT YOUR ATTORNEY!!!! Emailing or calling me DOES NOT MAKE ME YOUR ATTORNEY!! I do not agree to represent you in any manner unless and until I accept payment from you OR sign a written retainer agreement with you. My fees are earned upon receipt, which means they are non-refundable under any circumstances unless otherwise specified in writing. Instead, in accepting your representation as your attorney, I will allot adequate time on my caseload for you as my client in the matters for which you contract with me.

Bankruptcy Exemptions - You Can Keep Your Hat On

You can keep many things of value despite filing for bankruptcy relief. These are "exemptions." See Bankruptcy Schedule C "Property Claimed As Exempt"

You have to choose between
1) federal exemptions and

2) state exemptions to see which is more favorable for your particular circumstances.

California has two "systems" of exemptions that are mutually exclusive. Pick one set or the other, but you cannot "cherry pick." California and other states have a "wild card" exemption that will be attractive to many.

Federal law makes social security benefits exempt in bankruptcy or from creditors claims in state courts


(c) copyright 2008 New Dawn Law

Since I Can't Be a Lifeguard To All Of You

I made this blog. My favorite job was being a lifeguard. I also taught people to swim.

I can't help all of you personally in these treacherous times. There are too many who need help, the surf is too high and the riptides too strong. Some of you I can teach to swim well enough to swim on your own to get yourself out of the surf.

Others will need the help of myself and those like me who know how to swim in these treacherous waters, while carrying another to shore. I will do my best for as many as I can. I have almost drowned myself. I want us all to live to get back into the water and swim another day.

Batten Down The Hatches, It's A Nantucket Sleigh Ride

From my reading list

Calculated Risk

Paul Krugman

Noriel Roubini - "Da Man"

and of course

Clusterfuck Nation

Frequently Asked Questions: Bankruptcy Means Test and Starter Kit

Where Do I Start?

Whether bankruptcy is for you is addressed in prior blog posts. Where to start once you've decided that it is can be overwhelming. Start with this information.

The first step is to determine if you qualify for bankruptcy, and if so, in what type of bankruptcy case.

You don't qualify if you've filed for and received a bankruptcy discharge in a Chapter 7 case in the past eight years. If this is not a problem you can go to the next step, the Means Test, which is the gateway to the New Bankruptcy (The Bankruptcy Abuse Protection and Consumer Protection Act of 2005).

Other than certain automatic qualifiers many persons will have to take and pass the Means Test to qualify for Chapter 7 relief,or to determine their time commitment for a Chapter 13 plan or Chapter 11 plan requirements for individuals. See Bankruptcy Basics, below, for descriptions of Chapter 7, Chapter 11, and Chapter 13 bankruptcy cases.

You're In!

You automatic qualify for Chapter 7 relief, regardless of your income or expenses, if
a) you are a disabled veteran,
b) the majority (50%+) of your debt is business related, taxes, liability for personal injury, or
c) your gross income is no more than the median family income.

If you earn more than the median family income for your state or territory, you will have to take and pass the Means Test to qualify for Chapter 7 relief.

Ready For A Test?

Here are forms and databases you need to determine if you pass the Bankruptcy Means Test.

Legalconsumer.com has a free online Means Test application.

For the self-employed

If you don't pass the Means Test the first couple times, don't despair (unless you're way way off the mark).

Good lawyering might help you with the "six month income average" part of the test and with the deductible expenses. A lawyer can even argue that your higher than national average living expenses are reasonable under the circumstances (for example, your auto and driving expenses are way high because you need to drive far to get to work or for work). It can be tricky. (Cathy Moran, Esq blog.)

Prior to the advent of the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005," the most common reason for someone to file under Chapter 13 was to avoid the loss of equity in their home or other property. And while equity protection will continue to be a big reason for people to choose Chapter 13 over Chapter 7, the new rules will force many people to file under Chapter 13 even if they have NO equity. That's because the means test will take into account the debtor's income level.

To apply the means test, the courts will look at the debtor's average income for the 6 months prior to filing and compare it to the median income for that state. For example, the median annual income for a single wage-earner in California is $47,363. If the income is below the median, then Chapter 7 remains open as an option. If the income exceeds the median, the remaining parts of the means test will be applied.

This is where it gets a little bit trickier. The next step in the calculation takes income less living expenses (excluding payments on the debts included in the bankruptcy), and multiplies that figure times 60. This represents the amount of income available over a 5-year period for repayment of the debt obligations.

If the income available for debt repayment over that 5-year period is $10,000 or more, then Chapter 13 will be required. In other words, anyone earning above the state median, and with at least $166.67 per month of available income, will automatically be denied Chapter 7. So for example, if the court determines that you have $200 per month income above living expenses, $200 times 60 is $12,000. Since $12,000 is above $10,000, you're stuck with Chapter 13.

What happens if you are above the median income but do NOT have at least $166.67 per month to pay toward your debts? Then the final part of the means test is applied. If the available income is less than $100 per month, then Chapter 7 again becomes an option. If the available income is between $100 and $166.66, then it is measured against the debt as a percentage, with 25% being the benchmark.

In other words, let's say your income is above the median, your debt is $50,000, and you only have $125 of available monthly income. We take $125 times 60 months (5 years), which equals $7,500 total. Since $7,500 is less than 25% of your $50,000 debt, Chapter 7 is still a possible option for you. If your debt was only $25,000, then your $7,500 of available income would exceed 25% of your debt and you would be required to file under Chapter 13.

To sum up, first figure out whether you are above or below the median income for your state - median income figures are available at the link above.

Be sure to account for your spouse's income if you are a two-income family. Next, deduct your average monthly living expenses from your monthly income and multiply by 60. If the result is above $10,000, you're stuck with Chapter 13. If the result is below $6,000, you may still be able to file Chapter 7. If the result is between $6,000 and $10,000, compare it to 25% of your debt. Above 25%, you're looking at Chapter 13 for sure.

Remember, if Chapter 7 isn't available to you, perhaps Chapter 13 is, and might even be more suitable. More on Chapter 13 especially its power to strip away mortgage liens later.

Finally, for higher asset/liability cases, corporate and partnership (non sole proprietory cases), Chapter 11 is available. [1] [2] [3]

Start Here

If bankruptcy is a legal solution for you, start with the certificate of credit counseling you will need to file your consumer bankruptcy case.

This provider of certificates is the lowest cost I have found so far, but dont take my word for it because they change all the time and I may be out of date.

Here's Your Bankruptcy Bonus Gift

When you file, bankruptcy relief is immediate and automatic - the Automatic Stay stops virtually all actions by creditors against you.

But don't wait t get bankruptcy relief until judgment is entered against you in an unlawful detainer! Game over!

Can You Really Do Your Own Bankruptcy Case?

Here's food for thought.

But you can try. Here's one do it yourself book by Nolo Press

Here's another popular Chapter 7 guidebook

And here is a Chapter 7 Case Flow Chart

If you are too poor to even pay the Chapter 7 $299 filing fee, you can apply for a fee waiver, or ask to pay it in (4) installments.

More valuable infomation: The American Bankruptcy Institute

(c) copyright 2008 - 2009 New Dawn Law all rights reserved

Where to Find Bankruptcy Law and Bankruptcy Rules

Bankruptcy Code (Title 11, United States Code)

Federal Rules of Bankruptcy Procedure

Federal Evidence Code

Local Forms and Rules of the United States Bankruptcy Court Central District of California

(Commonly used forms for debtors are linked)

DRAFT LOCAL BANKRUPTCY RULES FOR PUBLIC COMMENT PERIOD JULY 25, 2008 THROUGH AUGUST 29, 2008
Local Bankruptcy Rules (Draft)
Local Bankruptcy Rules Cross Reference Please note: Because the Local Bankruptcy Rules revision was so comprehensive, a redline version would be meaningless and will not be made available.

INTERIM BANKRUPTCY RULES

Interim Bankruptcy Rules (August 2005)
Interim Bankruptcy Rules (Revised October 13, 2005)
Interim Bankruptcy Rules (Revised October 2006)

ABRIDGED LOCAL BANKRUPTCY RULES - EFFECTIVE JANUARY 22, 2008

Abridged Local Bankruptcy Rules (Complete PDF File)
Appendix I - Local Bankruptcy Rules Forms List
Appendix II - Attorney Discipline Procedures in Bankruptcy Court (General Order No. 96-05)
Appendix III - Adoption of Mediation Program for Bankruptcy Cases and Adversary Proceedings (Second Amended General Order No. 95-01)
Appendix IV - Guidelines for Allowance of Attorneys' Fees in Chapter 13 Cases
Cross Reference Index
Rule 1001-1 through 1073-1
Rule 2002-2 through 2090-1
Rule 3001-1 through 3020-1
Rule 4001-1 through 4008-1
Rule 5003-2 through 5075-1
Rule 6004-1 through 6007-1
Rule 7001-1 through 7069-1
Rule 8000-1 through 8007-1
Rule 9009-1 through 9075-1
Subject Index


UNABRIDGED LOCAL BANKRUPTCY RULES - EFFECTIVE JANUARY 22, 2008

Unabridged Local Bankruptcy Rules (Complete PDF File)


LOCAL BANKRUPTCY RULES FORMS


F 1010-1 Summons and Notice of Status Conference in an Involuntary Bankruptcy Case (Mandatory)
F 1010-2 Summons and Notice of Status Conference in Section 304 Case Ancillary to a Foreign Proceeding (Mandatory)
F 1015-2.1 Statement of Related Cases (Mandatory)
F 1017-1.1 Debtor's Motion to Convert Case under 11 U.S.C. §§ 706(a), 1112(a) (Mandatory)
F 1017-1.2 Order on Debtor's Motion to Convert Case under 11 U.S.C. §§ 706(a), 1112(a) (Mandatory)
(Note: Please RIGHT click HERE to download this to MS-Word format) Effective 07/02/2007 through 01/21/2008)
F 1017-1.3 Notice of Debtor's Motion to Convert Case Under 11 U.S.C. §§ 706(a) (Mandatory)
F 1017-1.4 Debtor's Notice of Conversion Under 11 U.S.C. §§ 1208(a) or 1307(a) (Mandatory)
F 1017-1.5 Order on Debtor's Notice of Conversion Under 11 U.S.C. §§ 1208(a) or 1307(a) (Mandatory) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 2014-1 Statement of Disinterestedness for Employment of Professional Person Under F.R.B.P. 2014 (File with Application for Employment) (Optional)
F 2016-1.1 Notice of Hearing on Application for Payment of Interim or Final Fees and/or Expenses under 11 U.S.C. § 331 or 330 (Optional)
F 2016-1.2 Application for Payment of: Interim Fees and/or Expenses (11 U.S.C. § 331); Final Fees and/or Expenses (11 U.S.C. § 330) (Optional)
F 2016-1.3 Order on Application for Payment of: Interim Fees and/or Expenses (11 U.S.C. § 331); Final Fees and/or Expenses (11 U.S.C. § 330) (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 2016-2.1 Trustee's Notice of Motion and Motion Under Local Bankruptcy Rule 2016-2 For: Authorization to Employ Paraprofessionals and/or Authorization to Pay Flat Fees Up to Tax Preparer (Optional)
F 2016-2.1A Order on Trustee's Motion Under Local Bankruptcy Rule 2016-2 For Authorization to Employ Paraprofessionals and/or Authorization to Pay Flat Fee to Tax Preparer (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 2016-2.2 Notice of Motion and Motion No. ____ Under Local Bankruptcy Rule 2016-2 for Approval of Cash Disbursements by the Trustee; Opportunity to Request Hearing; Declaration of Trustee (Optional)
F 2016-2.2A Order on Trustee's Motion No.___ Under Local Bankrutpcy Rule 2016-2 For Approval of Cash Disbursements by the Trustee (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 2090-1.1 Declaration Re: Limited Scope of Appearance Pursuant to Local Bankruptcy Rule 2090-1 (Optional)
F 2090-1.2 Application of Non-Resident Attorney to Appear in a Specific Case [Local Bankruptcy Rule 2090-1(b)] (Optional)
F 2090-1.3 Order on Application of Non-Resident Attorney to Appear in a Specific Case [Local Bankruptcy Rule 2090-1(b)] (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 2090-1.4 Substitution of Attorney (Optional)
F 3001.1 Request for Issuance of Notice of Transfer of Claim Pursuant to F.R.B.P. 3001(e) (Optional)
F 3001.2 Notice of Transfer of Claim Pursuant to F.R.B.P. 3001(e) (Optional)
F 3007-1.1 Order on Objection to Claims (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 3007-1.2 Notice of Trustee's/Debtor in Possession's Request for Copy of Proof of Claim (Optional)
F 3007-1.3 Notice of Objection to Claim (Mandatory)
F 3011-1 Motion for Order Releasing Unclaimed Funds (Optional)
F 3015-1.1 Chapter 13 Plan (Mandatory)
F 3015-1.1A Addendum to Chapter 13 Plan Concerning Debtors Who are Repaying Debt Secured by a Mortgage on Real Property or a Lien on Personal Property the Debtor Occupies as the Debtor's Principal Residence (Optional)
F 3015-1.2 Notice of Section 341(a) Meeting and Hearing on Confirmation of Chapter 13 Plan with Copy of Chapter 13 Plan (Mandatory)
F 3015-1.4 Declaration Setting Forth Postpetition, Preconfirmation Deed of Trust Payments [Local Bankruptcy Rule 3015-1(m)] (Mandatory)
F 3015-1.5 Notice of Motion Under Local Bankruptcy Rules 3015-1(n) and 9013-1(g) to Modify Plan or Suspend Plan Payments (Mandatory)
F 3015-1.5 (REVISED) Notice of Motion Under Local Bankruptcy Rules 3015-1(n) and (w) to Modify Plan or Suspend Plan Payments (Mandatory) Effective 09/01/08
F 3015-1.6 Motion Under Local Bankruptcy Rules 3015-1(n) and 9013-1(g) to Modify Plan or Suspend Plan Payments; Trustee's Comments; Order Thereon (Mandatory)
F 3015-1.6 (REVISED) Motion Under Local Bankruptcy Rules 3015-1(n) and (w) to Modify Plan or Suspend Plan Payments (Mandatory) Effective 09/01/08
F 3015-1.7 Rights and Responsibilities Agreement Between Chapter 13 Debtors and Their Attorneys (Mandatory)
F 3015-1.8 Declaration RE Payment of Domestic Support Obligations (Preconfirmation) (Mandatory)
F 3015-1.9 Declaration RE Tax Returns (Preconfirmation) (Mandatory)
F 3015-1.10 Declaration Setting Forth Post Petition, Preconfirmation Payments on: 1. Leases of Personal Property; 2. Purchase Money Security Liens in Personal Property (Mandatory)
F 3015-1.11 (NEW) Trustee's Comments on or Objection to Application for Supplemental Fees Effective 09/01/08
F 3015-1.12 (NEW) Order on Application for Supplemental Fees (Note: Please RIGHT click HERE to download this to MS-Word format) Effective 09/01/08
F 3015-1.13 (NEW) Trustee's Comments on or Objection To: Effective 09/01/08
F 3015-1.14 (NEW) Order on: (Note: Please RIGHT click HERE to download this to MS-Word format) Effective 09/01/08
F 3017-1 Chapter 11 Disclosure Statement (Note: Please RIGHT click HERE to download this to Wordperfect format)
F 3017-2 Plan Ballot Summary (Optional)
F 3018-1 Chapter 11 Plan (Note: Please RIGHT click HERE to save this to Wordperfect form)
F 4001-1.DEC Declaration of _____ RE: Default Under Adequate Protection Order; Request for Entry of Order Granting Relief From Stay (Mandatory)
F 4001-1M.CUST
Notice of Motion and Motion for (A) Relief From the Automatic Stay under 11 U.S.C. § 362 (Real Property): and (B) Relief from Turnover under 11 U.S.C. § 543 by Prepetition Receiver or Other Custodian (with supporting declarations) (Mandatory) [formerly 350 CUST]
F 4001-1M.ER Extraordinary Relief Attachment (Optional to the Judge) [formerly 350 ER]
F 4001-1M.IS Notice of Motion in Individual Case for Order Imposing a Stay or Continuing the Automatic Stay as the Court Deems Appropriate (Mandatory)
F 4001-1M.NA Notice of Motion and Motion for Relief From the Automatic Stay under 11 U.S.C. § 362 (with supporting declarations) (Action in Non-Bankruptcy Forum) (Mandatory) formerly 350 NA]
F 4001-1M.PP Notice of Motion and Motion for Relief From the Automatic Stay under 11 U.S.C. § 362 (with supporting declarations) (Personal Property) (Mandatory)
F 4001-1M.RP (REVISED) Notice of Motion and Motion for Relief from the Automatic Stay Under 11 U.S.C. § 362 (Real Property) (Mandatory)
F 4001-1M.TCS Trustee’s Notice of Motion and Motion for Order Continuing the Automatic Stay Under 11 § 362 U.S.C.(h)(2), for Adequate Protection and for Delivery of Personal Property in Individual Case (Mandatory)
F 4001-1M.TS Notice of Motion and Motion in Individual Case for Order Confirming Termination of Stay Under 11 U.S.C. §362(j) or that No Stay is in Effect Under 11 U.S.C. § 362(c)(4)(A)(ii) (Mandatory)
F 4001-1M.UD (REVISED) Notice of Motion and Motion for Relief from the Automatic Stay or for Order Confirming that the Automatic Stay Does Not Apply Under 11 U.S.C. § 362(l) (Mandatory)
F 4001-1M.13 Declaration of bottomright for Standing Trustee (Chapter 12 and 13 Cases only; Attach to Stay Motion) (Mandatory) [formerly 350.13]
F 4001-1M.RES Response to Motion for Order to Terminate, Annul, Modify, or Condition the Automatic Stay under 11 U.S.C. § 362 and Declaration(s) in Support (Optional) [formerly 390]
F 4001-1O.CUST Order Granting Motion for (1) Relief From the Automatic Stay under 11 U.S.C. § 362, and (2) Relief from Turnover under 11 U.S.C. § 543 by Prepetition Receiver or Other Custodian (Mandatory) [formerly 351 CUST] (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1O.DENY (REVISED) Order Denying Motion for Relief From the Automatic Stay Under 11 U.S.C. § 362 (Mandatory) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1O.ER Extraordinary Relief Attachment (Optional to the Judge) [formerly 351 ER] (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1O.NA Order Granting Motion for Relief From the Automatic Stay under 11 U.S.C. § 362 (Action in Non-Bankruptcy Forum) (Mandatory) [formerly 351 NA] (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1O.PP Order Granting Motion for Relief From the Automatic Stay under 11 U.S.C. § 362 (Personal Property) (Mandatory) [formerly 351 PP] (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1O.RP Order Granting Motion for Relief From the Automatic Stay Under 11 U.S.C. § 362 (Real Property) (Mandatory) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1O.TCS Order Granting Trustee’s Motion for Order Continuing the Automatic Stay, for Adequate Protection and for Delivery of Personal Property in Individual Case (Mandatory) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1O.IS Order Granting Motion for Order Imposing a Stay or Continuing the Automatic Stay (Mandatory) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1O.UD Order Granting Motion for Relief From the Automatic Stay under 11 U.S.C. § 362 (Unlawful Detainer) (Mandatory) [formerly 351UD] (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4001-1.2 Debtor’s Further Certification of Cure of Monetary Default Underlying Judgment for Possession of Residential Property and Proof of Deposit (11 U.S.C. § 362(l)(2)) (Optional)
F 4001-1.3 Lessor’s Objection to Debtor’s Certification and/or Debtor’s Further Certification Concerning Residential Property and Notice of Hearing (11 U.S.C. § 362(l)(3)(A)) (Optional)
F 4001-1.4 Lessor’s Certification of (1) Prepetition Eviction Action Seeking Possession of Residential Property Based on Debtor’s Prepetition Endangerment of Property or Illegal Use of a Controlled Substance, or (2) Endangerment of the Property or Illegal Use of a Controlled Substance within the Last 30 Days (11 U.S.C. § 362(b)(23)) (Optional)
F 4001-1.5 (Debtor’s Objection to Lessor’s Certification and Notice of Hearing (11 U.S.C. § 362(m)(2)(A) and (B)) (Optional)
F 4001-2 Statement Pursuant to Local Bankruptcy Rule 4001-2 (Cash Collateral Stipulations) (Optional)
F 4008-1.1 Reaffirmation Agreement (Mandatory) (Note: F4008.1-1 is replaced by Form 240A)..... Order on Reaffirmation Agreement Form 240B
F 4008-1.2 Notice of Hearing RE: Reaffirmation Agreement (Mandatory)
F 4008-1.3 Order Disapproving Reaffirmation Agreement with Notice of Entry (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 4008-1.4 Order Approving Reaffirmation Agreement with Notice of Entry (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 5010-1.1M (NEW) Debtor's Motion to Reopen Case and For Extension of Time to File Debtor's Certification of Completion of Postpetition Instructional Course Concerning Personal Financial Management (Mandatory)
F 5010-1.1O (NEW) Order on Debtor's Motion to Reopen Case and For Extension of Time to File Debtor's Certification of Completion of Postpetition Instructional Course Concerning Personal Financial Management (Mandatory) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 5075-1.1 Declaration to be Filed with Motion Establishing Administrative Procedures RE 28 U.S.C. § 156(c) (Mandatory)
F 6004-2 Notice of Sale of Estate Property
F 7004-1 Summons and Notice of Status Conference (Mandatory)
F 7016-1.1 Joint Status Report - Local Bankruptcy Rule 7016-1(a)(2) (Optional)
F 7016-1.1a Joint Status Report - Additional Party Attachment (Optional)
F 7016-1.2 Status Conference and Scheduling Order Pursuant to Local Bankruptcy Rule 7016-1(a)(3) (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 7027-1 Request for Disclosure of Discovery Documents under Local Bankruptcy Rule 7027-1(d) (Optional)
F 9013-1.1 Notice of Motion For: (Hearing Required) (Mandatory)
F 9013-1.2 Notice of Motion under Local Bankruptcy Rule 9013-1(g)(1) For: (Optional)
F 9013-1.3 Notice of Opposition and Request for a Hearing (Optional)
F 9013-1.4 Notice of Non-Opposition (Optional)
F 9013-1.5 Notice of Motion and Motion to Avoid Lien under 11 U.S.C. § 522(f) (Real Property) (Optional)
F 9013-1.6 Order on Motion to Avoid Lien under 11 U.S.C. § 522(f) (Real Property) (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 9013-1.7 Notice of Motion and Motion to Avoid Lien under 11 U.S.C. § 522(f) (Personal Property) (Optional)
F 9013-1.8 Order on Motion to Avoid Lien under 11 U.S.C. § 522(f) (Personal Property) (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 9013-1.9 Declaration Re: Entry of Order Without Hearing Pursuant to Local Bankruptcy Rule 9013-1(g) (Optional)
F 9021-1.1 Notice of Entry of Judgment or Order and Certificate of Mailing (Optional)
F 9021-1.2 Request for Entry of Default under Local Bankruptcy Rule 9021-1 (Optional)
F 9021-1.3 Motion for Default Judgment under Local Bankruptcy Rule 9021-1 (Optional)
F 9021-1.4 Default Judgment (without prior judgment) (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 9021-1.5 Default Judgment (based on prior judgment) (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)
F 9075-1 Order Shortening Time [Local Bankruptcy Rule 9075-1(b)] (Optional) (Note: Please RIGHT click HERE to download this to MS-Word format)

Bankruptcy Don'ts

These bankruptcy crimes will earn you time in a federal penitentiary

Where To Find The US Trustee

The US Trustee is a division of the US Department of Justice. The US Trustee is the "watchdog" of the federal bankruptcy system, to insure that participants, attorneys, debtors and creditors alike obey, the laws, rules, and regulation of the US bankruptcy system.

Find here