{"id":424,"date":"2012-10-02T23:11:31","date_gmt":"2012-10-02T23:11:31","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=424"},"modified":"2012-10-02T23:11:31","modified_gmt":"2012-10-02T23:11:31","slug":"at-bankruptcy-institute-today-tomorrow","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/","title":{"rendered":"At the Bankruptcy Institute Today and Tomorrow"},"content":{"rendered":"

It’s that time of year again.\u00a0 Every October the bankruptcy section of the Minnesota State Bar Association puts on a two day continuing legal education program for the bankruptcy attorneys of the state.\u00a0 Unlike the meetings of the National Association of Consumer Bankruptcy Attorneys, to which I also belong, these sessions include lawyers for the creditors as well as lawyers for the debtors.<\/p>\n

There were multiple classees to choose from, and nobody could attend them all without the ability to be in more than one place at the same time.\u00a0 First I attended a really boring session about amendments to the bankruptcy rules of procedure.\u00a0 Boring but important.\u00a0 I hate it but I need to know that stuff.\u00a0 There was then a sessioabout law office technology, where they had a geek who frankly I had trouble following.\u00a0 I think his presentation was aimed at law offices larger than what I operate.<\/p>\n

The big excitement for the day, however, was the session on lien stripping.\u00a0 As we filed in and found a place to sit, they were playing an old hit, “The Stripper,”<\/a> over the sound system.\u00a0 That lightened things up a bit.\u00a0 Following the disappointment with the decision in the Fisette case, to which I have devoted an earlier post<\/a>, the big question is where does lien stripping go\u00a0from here.\u00a0 It seems that the rules committee has finished work on a new local rule of procedure which outlines a proposed procedure for doing lien stripping in the District of Minnesota.\u00a0 The rule has now been presented to the judges for consideration.\u00a0\u00a0As they consider the rule, I expect they will ask for comments.\u00a0\u00a0The new rule seems to assume that lien stripping will be legal in Minnesota, which of course is still undecided – at least not decided permanently and for good.\u00a0 In my opinion the procedure will eventually become legal and common, but right now I’m still\u00a0not\u00a0sure what to make of it.<\/p>\n

The proposed lien strip rule will require a motion prior to the confirmation of the Chapter 13 plan asking the court to issue an order establising the value of the home as compared to the amounts owing on\u00a0 the mortgage liens.\u00a0 This motion requirement appears to be an invitation to a fight with the lender and the lenders’ lawyers.\u00a0 I’m not absolutely sure, but the impression I have is that the bankers’ and lenders’ lawyers on the committee outnumber the consumer bankruptcy lawyers on the committee, so that the proposed rule is coming out leaning way in the direction of the bankers.\u00a0 If this rule is approved,\u00a0it appears to me that it\u00a0would make the procedure more risky and more expensive than what most of us were anticipating.<\/p>\n

After the lien strip session I attended a session on how to prepare one’s law practice for a disaster, and another sessin\u00a0about reaffirmation agreements.<\/p>\n

So that’s what I learned in school today.<\/p>\n","protected":false},"excerpt":{"rendered":"

It’s that time of year again.\u00a0 Every October the bankruptcy section of the Minnesota State Bar Association puts on a two day continuing legal education program for the bankruptcy attorneys of the state.\u00a0 Unlike the meetings of the National Association of Consumer Bankruptcy Attorneys, to which I also belong, these sessions include lawyers for the … <\/p>\n

Continue reading “At the Bankruptcy Institute Today and Tomorrow”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[69,24,141,140],"tags":[127,112,149],"class_list":["post-424","post","type-post","status-publish","format-standard","hentry","category-chapter-13","category-consumer-protection","category-cost-of-filing-bankruptcy-in-minnesota","category-lien-stripping","tag-can-i-keep-my-house-after-bankruptcy","tag-chapter-13-2","tag-minnesota-bankruptcy-lawyer"],"yoast_head":"\nAt the Bankruptcy Institute Today and Tomorrow - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"At the Bankruptcy Institute Today and Tomorrow - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"It’s that time of year again.\u00a0 Every October the bankruptcy section of the Minnesota State Bar Association puts on a two day continuing legal education program for the bankruptcy attorneys of the state.\u00a0 Unlike the meetings of the National Association of Consumer Bankruptcy Attorneys, to which I also belong, these sessions include lawyers for the … Continue reading "At the Bankruptcy Institute Today and Tomorrow"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/\" \/>\n<meta property=\"og:site_name\" content=\"Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/davidkelllylawoffice\" \/>\n<meta property=\"article:published_time\" content=\"2012-10-02T23:11:31+00:00\" \/>\n<meta name=\"author\" content=\"DaveKelly\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DaveKelly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/\"},\"author\":{\"name\":\"DaveKelly\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/a385963a920f92e1cf406fa921c98453\"},\"headline\":\"At the Bankruptcy Institute Today and Tomorrow\",\"datePublished\":\"2012-10-02T23:11:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/\"},\"wordCount\":494,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#organization\"},\"keywords\":[\"Can I keep my house after bankruptcy\",\"Chapter 13\",\"Minnesota Bankruptcy Lawyer\"],\"articleSection\":[\"chapter 13\",\"consumer protection\",\"Cost of Filing Bankruptcy in Minnesota\",\"Lien Stripping\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/\",\"name\":\"At the Bankruptcy Institute Today and Tomorrow - 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.\",\"sameAs\":[\"http:\/\/www.mn-bankruptcy.com\"],\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"At the Bankruptcy Institute Today and Tomorrow - Better Call Dave - Bankrupt MN Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/","og_locale":"en_US","og_type":"article","og_title":"At the Bankruptcy Institute Today and Tomorrow - Better Call Dave - Bankrupt MN Blog","og_description":"It’s that time of year again.\u00a0 Every October the bankruptcy section of the Minnesota State Bar Association puts on a two day continuing legal education program for the bankruptcy attorneys of the state.\u00a0 Unlike the meetings of the National Association of Consumer Bankruptcy Attorneys, to which I also belong, these sessions include lawyers for the … Continue reading \"At the Bankruptcy Institute Today and Tomorrow\"","og_url":"https:\/\/mn-bankruptcy.com\/blog\/at-bankruptcy-institute-today-tomorrow\/","og_site_name":"Better Call Dave - 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