The summaries on this website are summaries of the opinions issued by the judges of the Bankruptcy Court for the Western District of Virginia from October 2004 to date. The opinions may be searched by year, judge, category and chapter. For a more detailed search, enter a keyword in the search box above. This opinion bank, however, is not an exhaustive list of opinions issued by the judges of the Western District. These summaries are not intended to replace other research methods, but may be used as a starting point for your research. These summaries do not contain information as to whether an opinion has been published, appealed or the disposition of any such appeal, or otherwise overruled or affected by subsequent case law or statute. These summaries have been prepared for the convenience of the researcher and in no way constitute an interpretation by the Court of the opinion summarized. Please rely on the opinion not the summary. Please contact Judge Connelly's chambers or Judge Black's chambers regarding any questions or errors.
The creditor bank filed an objection to confirmation of a chapter 12 plan, specifically to the debtors’ valuation of the farm land that was subject to the bank’s lien. Based on evidence and argument from all parties, the court determined the value of the subject property.
The debtor had two cases pending, which were dismissed under sections other than 11 U.S.C. § 707(b), in the one-year period preceding the filing of the debtor’s petition. A party in interest moved for entry of an order that no stay was in effect. The court granted the motion by virtue of 11 U.S.C. § 362(c)(4)(A).
The debtor filed a motion for redemption of a vehicle. The court held an evidentiary hearing to determine the proper redemption value. The court found that the debtor did not meet his burden of proof on the valuation, and then it determined that the value of the vehicle was not less than the amount of the debt owed to the secured creditor and thus put a redemption value of that amount on the vehicle.
The court entered an order denying confirmation of a chapter 13 plan and gave the debtors fourteen days to file an amended plan. The debtors did not file an amended plan nor did they move for an extension. The court thus dismissed the case. The debtors filed a motion reopen their chapter 13 case. The case had not been closed, and the court found that the motion to reopen was thus untimely and procedurally improper. The court also found that, even if it considered the motion a motion to vacate the dismissal order, there was no justification for vacating.
Creditor objected to the debtors' claims of exemption based on the debtors' failure to include certain property in their bankruptcy schedules. Court held that a debtor's failure to schedule property does not give rise to an objection to a claim of exemption. Further, a determination by the Chapter 7 Trustee that the case was a no asset case rendered moot any objections to the claims of exemptions.
The chapter 13 trustee filed a motion to dismiss the debtor’s case or to convert it to a chapter 7 case on the ground that the amount of the debtor’s unsecured, liquidated and noncontingent debt on the date the case was filed makes her ineligible to proceed under chapter 13. Reviewing the debtor’s original schedules and the debtor’s amended schedules, the Court found the unsecured debt to exceed the statutory limits of 11 U.S.C. § 109(e). The Court thus granted the trustee’s motion to dismiss but stayed the ruling for fourteen days to permit the debtor to convert.
The debtors requested a temporary waiver of the requirements to obtain credit counseling based on exigent circumstances as the male debtor was seriously ill and the female debtor was required to render constant care to her husband. Because the debtors failed to establish either that they obtained approved credit counseling education before filing their petition or made a request to an approved agency for such a course which was not available to them within seven days of making such request, as is explicitly required by § 109(h), they were not eligible to be debtors in the case. The court further concluded that the provisions of § 109(h)(4) did not permit the court to waive the requirement.
The debtor filed a motion to seek a discharge of her student loan debt under 11 U.S.C. § 523(a)(8). The government in response filed a motion for summary judgment alleging that the debtor cannot establish the elements necessary to entitle her to a discharge under section 523(a)(8). The court found that a genuine issue of material fact existed as to each element of the Brunner Test for a hardship discharge, which thus compelled the case to trial. Accordingly, the court denied the motion for summary judgment.
In deciding whether to grant motions to avoid liens against residential property, the court considered whether a debtor must file a homestead deed under applicable Virginia law to perfect a claim in exempt equity in the property in order to obtain the relief sought of avoidance of the judgment liens which have attached to that equity. Applying the then-recently decided Fourth Circuit Court of Appeals case of Botkin v. DuPont Community Credit Union, 650 F.3d 396 (4th Cir. 2011), the court concluded that no such homestead deed need be filed.
The United States Trustee filed a complaint to revoke the male debtor’s discharge pursuant to 11 U.S.C. § 727(d)(1), alleging that he obtained the discharge through fraud and fraudulently failed to disclose certain transfers to the trustee. The court concluded that the debtor’s discharge should be revoked pursuant to its authority under 11 U.S.C. § 727(d)(1).