楊清泉律師-第13章債務人可以用六十個月悉數償還無擔保債務
讓我們假設你是高於平均收入債務人的。你是单身每年收入60000美元，单身債務人（未婚及没有受養人）收入高于州平均收入48,000元。您的可支配收入是1,000元。在第13章計劃，提出用破產法允許的最长...
保留船-野營車-拖車及拖拉機可能會被裁定濫用破產第7章
如果你單看一條船，一部野營車，拖車和一台拖拉機分別作為單獨的項目，他們可能不被視為像徽豪華生活模式。但是，如果該債務人已提交章7救濟計劃，又保留所有的東東，即使所有的東東都被用來作為貸款的抵押品，信託...
楊清泉律師專欄-故意損壞的法拍屋不能免債
破產法裡第523節（一）（6）規定， “由債務人對其他的人或別人的財產造成的故意傷害。”債務人不能免債。舉個例子，債務人不能再支付他的汽車貸款。他變得如此憤怒，因為他將失去他的車，他一氣之下將車摔到懸...
DAMAGE-INTENTIONALLY-CAUSED-TO-FORECLOSED-HOUSE-NOT-DISCHARGEABLE-PART-1
In Re Egizii, Illinois National Bank held a mortgage on the debtor’s home. The debtor filed for Chap...
DAMAGE-INTENTIONALLY-CAUSED-TO-FORECLOSED-HOUSE-NOT-DISCHARGEABLE-PART-1
Section 523(a)(6) of the bankruptcy code states that debtor is not able to discharge “for willful an...
楊清泉律師-破產條例9011並不妨礙索賠即使是官司贏家
有對抗的抗議,債權人可以向債務人申請破產的文件和追求。這些投訴涉及豁免債權人債權的免債。如果債權人是成功的，在訴狀中，無論他是否在審判或簡易判決中勝訴，債權人的債權沒有免債。例如，債務人申請第7章破產...
楊清泉律師專欄-DISCHARGING-INCOME-TAXES-IN-BANKRUPTCY-PART-2
Let’s look at rule 1, the three year rule. This is Section 523(a)(1)(A) of the bankruptcy code that ...
楊清泉律師專欄-DISCHARGING-INCOME-TAXES-IN-BANKRUPTCY-PART-1
Many people have the mistaken belief that back due income taxes cannot be discharged in bankruptcy b...
楊清泉-KEEPING-BOAT-CAMPER-TRAILER-TRACTOR-MIGHT-BE-ABUSIVE-IN-CHAPTER-7-PART-2
The 11th Circuit said this reading of Section 707(b)(3) was too narrow. “Moreover, although the Witc...
楊清泉-KEEPING-BOAT-CAMPER-TRAILER-TRACTOR-MIGHT-BE-ABUSIVE-IN-CHAPTER-7-PART-1
If you look at a boat, a camper, a trailer and a tractor separately and as individual items they may...
楊清泉-BK-RULE-9011-DOES-NOT-PREVENT-PURSUIT-OF-CLAIM-DESPITE-WINNING-DEFENSE-PART2
In Re Damask, the debtors leased real property from the defendants. After the debtors filed for bank...
楊清泉-BK-RULE-9011-DOES-NOT-PREVENT-PURSUIT-OF-CLAIM-DESPITE-WINNING-DEFENSE-PART1
There are adversary complaints that creditors can file and pursue against debtors who file for bankr...
楊清泉律師專欄-第13章申請表應與入息審查中的可支配收入相應
允許入息審查的實際費用和開支之間總是有衝突的。實際支出通常超過所允許的入息審查。實際支出和入息審查支出之間，以後者為準，來計算可支配收入。人均可支配收入是純收入減去允許的可抵扣費用，使用IRS入息審查...
楊清泉律師專欄-PLAN-SHOULD-CORRESPOND-WITH-DISPOSABLE-INCOME-OF-MEANS-TEST-PART-2
In Re Grabarczyk, the debtors had three children, ages nine, seven, and four. They initially filed f...
楊清泉律師專欄-PLAN-SHOULD-CORRESPOND-WITH-DISPOSABLE-INCOME-OF-MEANS-TEST-PART-1
There is always a conflict between actual expenses and expenses allowed in the means test. Actual ex...
關於 楊清泉律師事務所
