In May 2013, the U.S. Court of Appeals for the Fourth Circuit rules that debtors can strip off wholly unsecured junior liens in a Chapter 13 bankruptcy that follows close on the heels of a Chapter 7 bankruptcy (often referred to as Chapter 20 bankruptcy).(In re Davis, No. 12-1184 (May 10, 2013).)
In Palomar v. First American Bank, No. 12-3492 (7th Cir. July 11, 2013), the Seventh Circuit for the Court of Appeals ruled that Chapter 7 bankruptcy filers cannot get rid of unsecured liens on their homes.
Short paragraphs in both How to File for Chapter 7 Bankruptcy and The New Bankruptcy: Will it Work for You? state that a domestic support debt that has been assigned to a private entity for reasons other than collection (a very rare occurrence) is dischargeable in bankruptcy. This is erroneous. Congress
Several of the official bankruptcy forms have changed, effective December 1, 2013. The forms can still be found at www.uscourts.gov/FormsAndFees/Forms/BankruptcyForms.aspx. For the most part, the forms ask for the same information as the previous versions. The revised forms are meant to be easier to