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This new and comprehensive book will give you exactly what you need to understand and comply with the law. It provides an overview of the provisions for the new Bankruptcy Reform Act including new sanctions provisions in Chapter 7 cases; regulation of attorneys as debt relief agencies; heightened requirements for reaffirmation agreements.

Tabla de contenidos provista por Syndetics

• Index of Forms and Tables(p. ix)
• Dedication(p. xi)
• Acknowledgments(p. xiii)
• Preface(p. xv)
• About the Editors(p. xvii)
• About the Contributors(p. xix)
• Chapter 1 Overview of the BRA: New Rules for Bankruptcy Lawyers(p. 1)
• I Certification and Sanctions in "Abusive" Consumer Chapter 7 Cases(p. 2)
• II Regulating Consumer Debtors' Attorneys as "Debt Relief Agencies"(p. 4)
• A Attorney Advertising(p. 5)
• B Required Disclosures(p. 6)
• C Prohibited Statements(p. 6)
• D Constitutional Implications(p. 7)
• III Attorney Certification of Debtor Reaffirmation Agreements(p. 7)
• IV Ethics and Professionalism(p. 8)
• Chapter 2 The Politics of the BRA(p. 9)
• I First, Let's Kill All the Lawyers(p. 11)
• II Voodoo Economics, Part 1(p. 15)
• III Voodoo Economics, Part 2: Credit Card Debt(p. 17)
• A The Bankruptcy Review Commission's Findings(p. 17)
• B The Industry Response(p. 22)
• IV A Note About Interest Rates(p. 24)
• V My Bad?(p. 25)
• Chapter 3 A History of Attorney Liability in the Bankruptcy Reform Act(p. 27)
• I The History Begins: The National Bankruptcy Review Commission(p. 28)
• A The Commission Recommendations(p. 29)
• B The Minority Report(p. 30)
• II The Congressional Response: The History of the BRA Provisions(p. 35)
• A The 105th Congress(p. 35)
• B The 106th Congress(p. 43)
• C The 107th Congress(p. 51)
• D The 108th Congress(p. 55)
• E The 109th Congress(p. 55)
• III Lobbying Efforts of the American Bar Association(p. 61)
• IV Now What?(p. 70)
• Chapter 4 You Know You're a Debt Relief Agency When(p. 75)
• I The Exceptions(p. 77)
• A Debtors' Attorneys v. Their Firms(p. 77)
• B Creditors' Attorneys(p. 80)
• C 501(c)(3) Organizations(p. 81)
• D Depository Institutions and Credit Unions(p. 82)
• E Authors and Publishers(p. 82)
• II What Exactly Is a DRA?(p. 83)
• III Applying the Law(p. 88)
• IV Update(p. 90)
• Chapter 5 The DRA Quiz(p. 95)
• Chapter 6 Unbundling Legal Services(p. 103)
• I The Basic Rule(p. 104)
• II State Action(p. 108)
• III Ghostwriting(p. 110)
• IV Limitations(p. 111)
• V Post-petition Representation(p. 114)
• A Reaffirmation Agreements(p. 114)
• VI Contested Matters and Adversary Proceedings(p. 117)
• VII Limited Representation of Creditors(p. 118)
• VIII When Is an Attorney Not an Attorney?(p. 119)
• IX Conclusion(p. 119)
• Chapter 7 Bankruptcy Ethics Issues for Solos and Small Firms(p. 121)
• I "DTACs" and Conflicts Checks(p. 121)
• II State Ethics Rules and Conflicts of Interest(p. 125)
• III Bankruptcy Ethics Rules-Creditor (or Other Non-estate) Representation(p. 128)
• A Representing Creditors(p. 128)
• B Representing the Estate(p. 129)
• IV The Three Cs: Competency, Confidentiality, and Conflicts (Avoidance of)(p. 132)
• A Competency(p. 132)
• B Confidentiality(p. 132)
• C Conflicts of Interest(p. 133)
• V Money, Money, Money, Money-Money! (Reasonable Fees)(p. 133)
• VI What the Heck Is "Bankruptcy Assistance," Anyway?(p. 134)
• VII The Pen Is Mightier Than the Sword: Rule 11 of the Federal Rules of Civil Procedure and Bankruptcy Rule 9011(p. 136)
• VIII Just When You Thought It Was Safe to Go Back in the Water: You're a Debt-Relief Agency!(p. 138)
• IX Am I My Client's Keeper? Reaffirmations under the BRA(p. 139)
• X The Final Word: Withdrawal(p. 140)
• Chapter 8 Constitutionality of the Attorney Liability Provisions of the Bankruptcy Reform Act(p. 141)
• I BRA's Regulation of Attorney Advertising(p. 142)
• II BRA's Prohibitions on Attorney Advice(p. 149)
• III Conclusion(p. 152)
• Chapter 9 Drop the Yellow Pages and Put Your Hands in the Air! The Perils of Advertising Under the BRA(p. 153)
• I The Provisions(p. 153)
• II The Penalties(p. 161)
• III The Possibilities(p. 164)
• IV Conclusion(p. 166)
• Chapter 10 Representation, Consultation, and Termination Agreements(p. 167)
• I Consultation Agreement(p. 167)
• II The Representation Agreement(p. 170)
• III Declining Representation(p. 175)
• IV Termination of Representation(p. 177)
• Chapter 11 Complying with Debt Relief Agency Provisions: Notices, Prohibitions, and Enforcement(p. 179)
• I The Inevitable Conflict: Attorney Ethics and DRA Compliance(p. 179)
• II Required Disclosures(p. 180)
• A Time for Making Required Disclosures(p. 181)
• B Required Disclosures(p. 181)
• 1 [Section] 342(b) Notice(p. 181)
• 2 Mini-Miranda II(p. 187)
• 3 Prescribed Language Notice(p. 189)
• 4 The "How To" Notice(p. 193)
• 5 The Contract(p. 201)
• III Debt Relief Agency Prohibitions: The Five Commandments(p. 203)
• A The First Commandment(p. 204)
• B The Second Commandment(p. 204)
• C The Third Commandment(p. 206)
• D The Fourth Commandment(p. 208)
• E The Fifth Commandment(p. 209)
• F Conflict over Fees(p. 211)
• G Conflict over Other Issues(p. 211)
• IV Enforcement(p. 212)
• A Actions by the Assisted Person(p. 213)
• B Actions by State Officials(p. 214)
• C Actions by the Court, United States Trustee or the Debtor(p. 215)
• Chapter 12 Attorney Liability and [Section] 521: Dismissal for Failure to File Required Documents(p. 217)
• I What Does [Section] 521 Require?(p. 217)
• II General Documents(p. 218)
• A Express Exceptions to Automatic Dismissal(p. 219)
• B Implied Exceptions(p. 220)
• III Pre-petition Tax Documents(p. 221)
• IV Post-petition Tax Documents(p. 221)
• V Attorney Liability for Dismissal or Conversion(p. 223)
• Chapter 13 Section 707(b)(4): New Certifications, New Sanctions(p. 227)
• I Scope of [Section] 707(b)(4)(p. 229)
• II [Section] 707(b)(4)(C): The Petition Certifications(p. 230)
• A Petition, Pleading, or Written Motion(p. 231)
• B The Attorney's Reasonable Investigation(p. 232)
• C The Object of the Reasonable Investigation: The Circumstances That Gave Rise to the Petition(p. 237)
• D The Petition Is Well Grounded in Fact(p. 239)
• E The Petition Is Warranted by Law or a Good Faith Argument for the Extension, Modification or Reversal of Existing Law(p. 240)
• F The Petition Is "Not an Abuse under Paragraph (1)"(p. 240)
• III [Section] 707(b)(4)(D): The Schedules Certification(p. 241)
• IV [Section] 707(b)(4)(A) and (B): The Sanctions Provisions(p. 245)
• A When Do the Sanctions Provisions Apply?(p. 246)
• B What's the Point of the Sanctions Provisions?(p. 247)
• C Who Can Move the Court for Sanctions Against the Debtor's Attorney?(p. 250)
• D What's the Relationship Between the Sanctions Provisions and Rule 9011?(p. 251)
• V Conclusion(p. 256)
• Appendix [Section] 707(b)(3) and the Good Faith Filing Requirement(p. 257)
• Chapter 14 Reaffirming Debt after Bankruptcy(p. 261)
• I A History of Reaffirmation(p. 261)
• II Introduction to the BRA Reaffirmation Process(p. 264)
• III The Reaffirmation Certifications: What Must They Say?(p. 265)
• IV What Do the Attorney's Certifications Mean?(p. 270)
• A "A Fully Informed and Voluntary Agreement by the Debtor"(p. 271)
• B "I Have Fully Advised the Debtor of the Legal Effect and Consequences of This Agreement and Any Default"(p. 273)
• C "The Agreement Does Not Impose an Undue Hardship"(p. 274)
• D "Ability to Pay" Certification Where Undue Hardship Is Presumed(p. 276)
• V Liability Traps: Debtors' Attorneys(p. 279)
• VI Liability Traps, Part 2: Creditors' Lawyers(p. 282)
• VII Conclusion(p. 282)
• Chapter 15 Creditors' Lawyers and Other White Meat(p. 285)
• I Poof! You're a Bankruptcy Petition Preparer(p. 285)
• II Tax Return Preparers, Beware! Are You a BPP? A DRA?(p. 287)
• III Employees and Agents: In or Out?(p. 290)
• IV Trustees Seeking Sanctions against Debtors' Counsel in Abusive Chapter 7 Cases(p. 291)
• V Trustees' Attorneys in Cases with Support Claims(p. 292)
• VI Creditors' Attorneys and Abusive [Section] 707(b) Motions(p. 294)
• Chapter 16 Criminal Liability for the Bankruptcy Practitioner(p. 303)
• I The Crime(p. 305)
• II The General Prohibition Against Sin(p. 306)
• A Knowingly(p. 307)
• B Fraudulently(p. 308)
• III In Search of Full Disclosure(p. 309)
• IV The Gellene Case(p. 311)
• V Foolish Consistency Is the Hobgoblin of Little Minds(p. 314)
• VI What's Hot(p. 315)
• VII You Scratch My Back, I'll Scratch Yours(p. 316)
• VIII Sales(p. 317)
• IX Where the Action Is(p. 318)
• X Where's the Next Gellene Case?(p. 322)
• XI The New Bankruptcy Crime(p. 324)
• Chapter 17 No Good Deed Goes Unpunished: Pro Bono Practice under the BRA(p. 327)
• Chapter 18 Woe Unto You, Lawyers(p. 333)
• Index(p. 341)