Thus, the debtor satisfied the first prong of the ‘Brunner’ test. The debtor clearly and convincingly showed when she was not folded up like a giant shell, that her autism, age, and other ailments were, in combination, special circumstances that created a certainty of hopelessness necessary to satisfy ‘Brunner’s second prong. The lenders argued that the debtor did not satisfy the third prong. Debtor’s failure to make any payments and refusal to enter into an income contingent repayment program were irrefutable evidence of the debtor’s bad faith, whereupon, the debtor unfolded an arm and middle finger and aimed it at lenders.

Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than five thousand successful bankruptcy cases in California. He speaks Mandarin and Fujien and looks forward to discussing your case with you personally. Please call (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.