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Bankruptcy Court and Trustee Information:

BANKRUPTCY COURT LOCATIONS

DETROIT
U.S. BANKRUPTCY COURT
211 West Fort Street
Detroit, MI 48226
www.mieb.uscourts.gov

NOTE: Judge Shapero's Confirmation Hearings are held at:
231 West Lafayette, Courtroom 1042
Detroit, Michigan 48226

FLINT
U.S. BANKRUPTCY COURT
226 W. Second Street
Flint, MI 48502
www.mieb.uscourts.gov

CHAPTER 13 TRUSTEE and PAYMENT ADDRESSES
(Be sure to include your name and case number on the memo line)

DAVID WM. RUSKIN (TRUSTEE FOR JUDGE MCIVOR and SHEFFERLY - case end digit 5-9)
Chapter 13 Trustee
1593 Reliable Parkway
Chicago, IL 60686-0015
http://www.det13.com

KRISPEN S. CARROLL (TRUSTEE FOR JUDGE RHODES and SHEFFERLY - case end digit 0-4)
Chapter 13 Trustee
P.O. Box 2018
Memphis, TN 38101-2018
www.det13ksc.com

TAMMY L. TERRY (TRUSTEE FOR JUDGE TUCKER AND JUDGE SHAPERO)
Chapter 13 Trustee
P.O. Box 2039
Memphis, TN 38101-2039
http://www.det13.net

CARL L. BEKOFSKE (TRUSTEE FOR JUDGE OPPERMAN)
Chapter 13 Trustee-Flint
P.O. Box 2175
Memphis, TN 38101-2175
www.flint13.com

CHAPTER 13 TRUSTEES MAILING ADDRESSES:

DAVID WM. RUSKIN

Chapter 13 Trustee
1100 Traveler's Tower
26555 Evergreen Road
Southfield, MI 48076-4251
Phone: 248-352-7755

KRISPEN S. CARROLL
Chapter 13 Trustee
719 Griswold Street
Suite 1100
Suite 1230
Detroit, MI 48226-3689
Phone: 313-962-5035

TAMMY L. TERRY
Chapter 13 Trustee
535 Griswold
Suite 2100
Detroit, MI 48226
Phone: 313-967-9857

CARL L. BEKOFSKE
Chapter 13 Trustee-Flint
510 West Court Street
Flint, MI 48503-5079
Phone: 810-238-4675

Acclaim Legal Services News:

Michigan Mortgage Foreclosure Defense Press Release
The state of Michigan, whose automotive industry has been deeply impacted by the recession, also currently has one of the nation's highest foreclosure rates. Homeowners facing the prospect of losing their houses are, with the help of legal counsel, considering new ways of avoiding foreclosure. Read More

Local Bankruptcy News:

Attorney William Johnson was a guest commentator on the weekly radio show "Weinberg on the Law" during an April 2010 broadcast focusing on bankruptcy matters. Here Attorney Johnson provided insight and knowledge to listeners regarding trends and current issues with Michigan Bankruptcy law. ” Weinberg on the Law” airs every Sunday on WXYT AM 1270 from 9 a.m. until 10 a.m. The radio broadcast features Attorney Scott Weinberg who interviews colleagues, leaders, politicians and newsmakers and discusses current issues related to the law. Click here for Attorney Johnson's contribution to the show.

Information Regarding Economic Stimulus Payments: Memo from Chapter 13 Trustees Dated 4/15/08

On February 13, 2008, President Bush signed the Economic Stimulus Act of 2008 (H.R. 5140). Under that legislation, most taxpayers will receive an economic stimulus rebate (technically known as an "advanced credit payment").

After carefully reviewing the legislation, the Chapter 13 Trustees for the Eastern District of Michigan have determined that, in their opinion, Debtors are not required to remit these rebates as part of the funding of their confirmed Chapter 13 Plans. These rebates will not be considered by the Chapter 13 Trustees to constitute either "tax refunds" or "disposable income."

Bankruptcy Links:

AMERICAN BANKRUPTCY INSTITUTE (ABI)
www.abiworld.org

LINKS TO UNITED STATES CODE
www4.law.cornell.edu/uscode/

www4.law.cornell.edu/uscode/html/uscode11/usc_sup_01_11.html

Bankruptcy Questions? - National Bankruptcy Forum

What is “redemption” and how does that help me keep my property in Bankruptcy?

In Bankruptcy, redemption is a type of relief, only available for consumer debt, which allows a debtor to pay a creditor’s secured debt. What this means is that your creditor may relieve the lien on your personal property if you pay a lump sum equal to the current market value of the collateral. For example, Read more>>
Who’s watching out for your rights? Why “Elizabeth Warren” should be your choice.

I just got my evening email update for consumer bankruptcy issues. The lead story is about whether the President will appoint Elizabeth Warren to head the Consumer Financial Protection Bureau. While this is admittedly, a bit “off-topic” for a bankruptcy blog, whoever is appointed to head the CFPB has the potential to significantly improve the Read more>>
Qualifying For Chapter 7 Bankruptcy: The Means Test Made Simple (Sort of)

Much has been written about the now infamous means test; Congress’ answer to the credit card lobby’s complaints that too many Americans who could afford to pay back some of their debts were allowed to file for chapter 7 bankruptcy. The means test effectively tries to divert some consumers with “above average” income into a Read more>>
Presumption of Abuse Dismissal – Failing the Means Test

The quickest way to have your Chapter 7 bankruptcy petition dismissed is to fail the means test. A debtor who fails the means test raises a rebuttable presumption of abuse. In the event a presumption of abuse exists, 11 U.S.C. § 707(b)(2) authorizes the court, US trustee or any part in interest to file a motion Read more>>
Considering Filing Bankruptcy? Avoid these problems! Part 2

In part 2, we continue to examine ways to help ensure that you will be successful in avoiding problems in a bankruptcy that you may file. 8) Often I see people fail to list their business, LLC, S-Corp, etc. when they come in to see me for bankruptcy advice. If you own a business, or a Read more>>