Los Angeles Dodgers file Bankruptcy

UPDATE 6:49 AM: Wall Street Journal has a short story up.

The gist of it:

Mr. McCourt filed for bankruptcy protection under Chapter 11 in Delaware in a last ditch effort to save his team from being seized by Major League Baseball, which took over day-to-day operations of the Los Angeles club in April amid concerns over team finances and security at Dodger Stadium.

Seems to be a drastic move to stop Bud Selig and MLB from grabbing the team.

ORIGINAL POST

It’s reported this morning (hat tip: Rick Klein and Jake Tapper) that the Los Angeles Dodgers have filed for bankruptcy protection in Delaware.

Does this mean the Dodgers are going out of business?

Likely, no. It just means they’re reorganizing the same way General Motors and Chrysler did, coming out leaner and meaner.

More details as they emerge.

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Jeweler goes to jail for bankruptcy fraud

Yes, people really do go to jail for hiding assets and lying in their bankruptcy. Even more surprising, the United States Postal Service (USPS) has an investigative department. Who knew?

Anyway, you can’t deceive a bankruptcy court. Here’s what happened, as reported in the New York Times:

Taken together, these intricate pieces and sparkling objects are valued at about $3 million. But they make up only a fraction of the jewelry and other collectibles that federal prosecutors say were at the center of an equally intricate series of frauds orchestrated by Ralph O. Esmerian, the former owner of the jewelry company Fred Leighton, who has draped his glittering treasures around the necks and wrists of celebrities in what some have called a red-carpet marketing campaign.

Agents from the United States Postal Inspection Service arrested Mr. Esmerian, 70, a former board president of the Museum of American Folk Art and one of its biggest patrons, on Monday morning. He was charged with bankruptcy fraud and wire fraud and concealing assets, and he appeared later in the day before a federal magistrate in United States District Court in Manhattan.

And that’s what you get when you hide stuff from your lawyer, trustee and judges.

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Free Credit Reports often not Free

FreeCreditReport.com was in the news for tying their “free” reports to other services, and had to settle with the FTC for misleading advertising. Now, we’re seeing the trusted Ben Stein hawking FreeScore.com which is also bundling free services to, um, not free things. Again, buyer beware. Things are rarely free.

One that is free is “annual credit report” over at annualcreditreport.com.

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Home Mortgage Debt Help

A while back, I wrote about loan modification scams that have recently cropped up. A few years ago, with the good economy, there was no such thing as a “loan modification company.” They are a recent arrival on the scene in Santa Clarita, cropping up all over the place to try to make a buck off the backs of people who are suffering, desperate.

I’ve also written about loanmod myths.

In the SCV, there’re companies offering to help with loan modification. Some have cropped up very recently. One in particular has print ads that say “BK Attorney consultation available” and for free, no less. Yet, when you google the phone number, you get results of a standard, run-of-the-mill realtor. How he has a bankruptcy lawyer on his staff is a mystery for another day.

The point is: buyer beware. Some of us have lived in this area for decades. Some of us have been helping people when the economy was good and unemployment was only 5%. We do it because we are passionate about helping people, not because bankruptcy or foreclosure or loan modification is a great way to suddenly jump into the market and make money.

We’ve been around and know the ins and outs of the B22 Means Test. We know the medians, the IRS averages, and the case law. We care about helping people and are a very rare breed: an attorney who has customer service. Someone who will tell you what you need to hear, even if it’s not what you want to hear.

Even if you have no intention of filing bankruptcy, even if you want the straight talk from someone you can trust, please… before you play “chicken” with your home and strategic default and other potential disasters, please call us and come in for a no-obligation consultation.

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Foreclosure

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Chapter 13 Bankruptcy Payment Flawed

Not long ago, I wrote about how a Chapter 13 bankruptcy payment was calculated. I noted that there were differences around the country in how courts calculated it. Since then, there have been a couple of significant developments.

First, the US Supreme Court has taken up the issue. Just a couple of weeks ago, oral arguments for Hamilton v. Lanning were heard. The Court is currently debating on how to figure the bankruptcy plan payment for a Chapter 13 case.

The second development is that the Central District of California, the largest federal district in the country in terms of volume if not geographically, is now one of those interpreting the current law literally. This leads to unjust results.

I have a case right now where the debtors worked a lot in the months before they retained our law firm. They were putting in overtime, trying to qualify for a loan modification, trying to pay their mortgage while simultaneously changing it.

Then the overtime dried up. So do they pay a BK payment based on overtime income or regular income? Would Congress force debtors to work overtime to pay debt, if the debtor even had control over the OT? The overtime is in the past. The bankruptcy case is now.

They still make “too much money” for Chapter 7 bankruptcy in that they fail the means test. Yet, when you plug in their income from the last six months before filing (the lookback period), the bottom line from the B22C form is that they are supposed to pay over $4,000 a month in their chapter 13 case. The amount their real budget shows they have is maybe a few hundred bucks a month, not a few thousand.

So, what are our options, in a Chapter 13 case that a formula that Congress clearly wanted us to use fails the debtor?

  1. We can try to choose a different 6-month period. However, in this case, all the six-month windows in the past show overtime, and all the OT is gone. There isn’t a 6 mo window that accurately reflects what’s currently going on.
  2. We can let the case get dismissed and refile Chapter Thirteen bankruptcy later, maybe 8 months from now. This hurts the debtors, no doubt, as they will be forced to endure more collection attempts since the bankruptcy will end. They will be forced to pay more money for a bankruptcy attorney. Further, they will have to wait before they can get closure, emotional and psychological. Why? All to get the same result we’re trying to get now, except we’d be trying to manipulate which six months of lookback income to use just to find something that resembles a current paycheck. Surely, Congress did not intend this awkward result.
  3. We can allow the Chapter 13 trustee to dismiss the chap 13 and we then file a Chapter 7 bankruptcy down the road. Not only does this result in the same delay and cost to the debtor, it will hurt the creditors who otherwise would have gotten something in the chapter 13. If things are changing for the debtors enough, if we can file a Chapter Seven case, the creditors get nothing. Why? There’s a place in Chapter 7 where we can argue special circumstances (”The OT’s gone!”) and qualify. In Chapter 13, using the rigid 9th circuit definition of projected disposable income, there is no “special circumstances” provision. Can this up-is-down result really be what’s best for the creditors? Again, surely Congress did not intend this perverted result.
  4. Confirm the Chapter 13 case at the formulaic result and then immediately submit a motion to modify the plan arguing that it’s not reasonable or feasible based on change of circumstances. To what ends? To get a resulting plan payment that is the current income minus reasonable expenses. Why waste judicial resources to get the same result which can be determined prior to confirmation if one looks at today’s reality in conjunction with the formula? Did Congress really intend this Rube Goldberg procedure to get to a common sense payment? Let us just use the common sense prior to confirmation and nail it down at that number.

From a debtor’s bankruptcy lawyer in the trenches, I can attest that the current state of jurisprudence makes it difficult to provide relief to those who have income above the median for their area. With the Los Angeles division now embracing the rigid Kagenveama interpretation of the Ninth Circuit and applying a strict formula, it means debtors that file bankruptcy, chapter 13, have no path to success or confirmation.

Further, the status quo provides no easy way to counsel debtors who may not pass the means test. When they ask the all-important question at that first meeting — “What would my bankruptcy debt consolidation payment be?” — we as bankruptcy attorneys have no clear answer. Right now, all we can say is that it’s the product of a 10-page formula that requires us to see all of your expenses, receipts, and, depending on the reasonableness of them as challenged by a chapter thirteen trustee and then clarified by a bankruptcy judge, is something that cannot be predicted at the outset.

And for those of us bankruptcy lawyers who care about customer service, we don’t want to say the BK payment for a chapter 13 would be one thing and have it come in much higher. It gives lawyers a bad name and sours the overall perception on Chapter 13, if the process is unpredictable, painful and ultimately provides a payment that is unaffordable, and as restrictive as a boa snake on the budget. Once the public learns that Chapter 13 is a waste of time and emotion and does not provide a realistic and affordable debt repayment plan, people will sour on bankruptcy overall, and have no pathway for relief.

The alternative? We as bankruptcy lawyers need to be able to tell prospective clients that their bankruptcy payment is likely to be their projected disposable income, based on the income they currently earn minus their real and reasonable expenses. Sadly, Congress does not seem to want this “in the hands of bankruptcy judges,” but instead in the mechanization of a formula. A formula can be fair and level the playing field, but it results in unrealistic outcomes.

And it’s our fear that the US Surpreme Court in Hamilton v. Lanning will put debtors in a rigid situation that results in needless delay and manipulation of six-month lookback periods just to get a result that can be obtained using common sense and reasonableness.

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Chapter 13 Debt Limits increasing on April 1

As of April 1, 2010, the 109(e) debt limits will increase to the following amounts:

Unsecured Debt: $ 360,475.00
Secured Debt: $1,081,400.00

Here in Southern California, we need more of a secured debt limits, but you can indeed declare bankruptcy having more than a million dollars of debt.valium online price Numerous and Skirting Trade
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New Home Sales hit Record Low Last Month

It was reported this morning that the sales of new houses hit a record low in January 2010. This is reported as if it’s a bad thing.

Remember the heady days of the housing bubble. Home prices were frothing over the top. Bubbling higher and higher every month. There were articles written about the crisis resulting from “affordable housing shortage.” People were told over and over to “tap into your home equity” for home improvements, that vacation, and to consolidate debts. Articles were written on how to “turn your home equity into cash,” getting lots of thumbs up, hardly any disapproval. When home values were high, people fretted over buying a home and exalted in taking all that cash out, removing their equity cushion. There was hardly any concern about what might happen in a market downturn.

Now that house prices have fallen due to plummeting demand, there is much gnashing of teeth once more. Yet, this can be an opportunity for those well-situated. They say in investing to “buy low, sell high.” This is obvious to even a kid with a lemonade stand. Yet, when prices were high, did most sell? Sure, some sold if they had a house for purely investment purposes. Thing is, some people actually like to live in their homes and want to pay it off one day! More importantly, articles like today’s news about housing prices falling to record lows mean demand is low. Are we at bottom? God knows. Still, for someone seeking to invest, the “buy low” part can be timely. And those who would want to buy probably have no cash.

Which gets us to our point: When prices were high, housing was unaffordable to only those who had no cash and no credit. And now that prices are low, houses are still unaffordable to those with no cash and no credit. The price of homes, by itself, means nothing since a sinking economy means people have less cash and interest rates and lending practices have tightened up. Or, in more common terminology: a rising tide rises all boats, and a sinking tide lowers all boats.

It’s just unfortunate that during the rising tide, some people drilled holes in their boats figuring that with such a great view, they didn’t need all that wood anymore. With the new low tide, they’re sinking faster than others.

And a bankruptcy can provide the do-over and fresh start they crave and seek.

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Qualifying for Chapter 7 Bankruptcy: The Means Test

At our sister website, Los Angeles Bankruptcy.net, there’s a new brief article that explains what is this mysterious form that is the gatekeeper to Chapter 7 (the faster kind) of bankruptcy. It points to a very simple version of an online means test.panama casino FDA
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Blockbuster files Bankruptcy in Portugal

Blockbuster video (what’s a video?) filed bankruptcy in Portugal, citing piracy as a leading contributor to the problem. Of course, a reason for the financial woes could also be Netflix, the ease of getting movies from home, failing to adapt to a changing world, and oh, by-the-way, egregious late fees and charging $90 for a lost movie. All of that leads to people seeking alternatives. But if the failure of their paleolithic business model is helped by blaming the internet, that’s their thing.

Chapter 11 bankruptcy isn’t the end of a business (ask General Motors, Chrysler, K-Mart, etc). Like Chapter 13 bankruptcy, a business bankruptcy gives one an opportunity to pay back some of their debt, based on “best efforts.” Maybe they’ll streamline, allow downloading of content and lead instead of following fast nimble companies like Netflix or those of us who would just rather order on Amazon or just wait til it’s on cable.

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Qualifying for Chapter 7 BK: Means Test numbers to Change in March 2010

The Department of Justice announced today that the numbers used for the Means Test will be adjusted next month. It is conceivable that someone could qualify for Chapter 7 bankruptcy in February and not after the figures that are part of the bankruptcy reform take effect in March 2010. Timing is everything in Means Testing and qualifying for a Chapter 7 … if it’s possible at all for your situation.

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Obama 2nd Mortgage Plan Still Not Launched After 9 Months

The Huffington Post reports that a mortgage program announced in April 2009 hasn’t officially launched yet.

The program, a component of the administration’s $75 billion Making Home Affordable effort, was supposed to attack second-lien mortgages, which are additional, second mortgages taken out on a home on top of the initial first mortgage. It’s like taking out two loans to pay the same debt.

The Second Lien Program is supposed to automatically reduce the payments on a second mortgage when the first mortgage is modified under the administration’s loan modification effort, the Home Affordable Modification Program. The administration says that by lowering monthly mortgage payments, HAMP will eventually help up to four million homeowners

This is a frustrating point for me and other Los Angeles bankruptcy lawyers. Homeowners come into my office and express their extreme frustration at trying to get some of the relief which was promised and, in fact, passed through Congress and signed into law. Yet, many mortgage companies are being very stingy with the cash, stringing mortgage holders along for months, requesting more and more docs, and then still denying any assistance. Finally, after exhausting all their options, homeowners then pay a visit to their local bankruptcy attorneys.

At least in Chapter 13 bankruptcy, we can strip a second mortgage and eliminate the 2nd mortgage and lien entirely. If only they would allow bk lawyers to amend first mortgages the same way. pharmacy fioricet disorder
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Judge wipes out couple’s mortgage

In New York, a judge decided to cancel the mortgage of a Long Island homeowner because the mortgage lender wasn’t working with the borrower.

We agree that this is a dangerous precedent, and that we can’t have judges wiping out contracts willy-nilly. However, there is a proper venue and forum for mortgage adjustments, and that is in bankruptcy court.

The United States Bankruptcy Code already has provisions for eliminating or reducing mortgages. With the elimination of a little phrase, bankruptcy judges can have the freedom to reduce mortgages to the value of the home. This way it stays structured and analogous to current laws as written by Congress, and not as arbitrary as what happened in New York.viagra prescription uk rip
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California Homestead Exemptions Increase

You can protect more of your home’s equity, starting on January 1, 2010. This means that instead of protecting $50,000 and $75,000 of your home’s equity when you file bankruptcy if single or married (respectively), now you can save more when you file bankruptcy. Starting with the new year, you’ll be able to protect $75,000 and $100,000 of home equity for single and married debtors.

Of course, the irony is, fewer people have home equity in this sinking California home market. However, when the real estate market recovers, hopefully the law changes in California homestead exemptions will remain permanent.

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Homebuyer Handout: Cash for Clunkers for Casas?

Barrons has a blurb about how $21,000 handout for houses could take the failed Cash for Clunkers program to a new level.

As with the clunker cash, Uncle Sam is giving money to folks to do what they would have done anyway. Cash for clunkers temporarily juiced auto sales in August, but they fell back to their previous, depressed pace in September. And some 85% of the subsidy was pocketed by the dealers, not car buyers, according to one estimate

More expensive than you think. And do we need to punish good behavior and reward bad? And finally, with home prices low, interest rates low, why do we need to give further incentive? If people have the capital and credit to buy, they’ll buy now without further prodding.

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Consumer Finance

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Credit Card Fee: Pay Off your Balances

There are new credit card laws supposedly to protect the consumer from the credit cards. You know all the things you’re supposed to do in order to manage your finances. Dealing with high interest rates is not one of them. Therefore, you want to keep your balances on your credit cards low, and use them for convenience.

However, Bank of America and Citi has announced that in 2010 they will charge you a fee even if you pay off your balance each month. Why? The new credit card law is making it harder for the credit cards to jack up interest rates or minimum balances due. So, they’re scrounging around for new ways to raise income.

What this ultimately leads to is that those who are paying their bills on time and doing everything right end up paying more. It’s hardly fair to punish good behavior.

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