Ten years ago this month the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) became effective. The act was designed to make filing bankruptcy more difficult by requiring filers to provide more information to court trustees that supervise the process and by installing a mathematical formula to keep higher income debtors out of chapter 7.


Owning a home can be a burden, especially for those who wish to surrender a property the bank does not want.  Frequently the homeowner has vacated the premises and the property sits unoccupied for months or even years.   These “Zombie” homes impose significant burdens for debtors, even after a bankruptcy is completed and the underlying


Over the past few years we have been hearing stories of phony legal documents used by foreclosure firms.  As a bankruptcy attorney I receive a lot of literature about how banks have “lost” thousands of mortgage documents and that many of the foreclosures conducted in the country are illegal since there is no written proof