From tecla at lewistonbankruptcylawyer.com Wed Sep 1 10:40:58 2021 From: tecla at lewistonbankruptcylawyer.com (Tecla Druffel) Date: Wed, 1 Sep 2021 16:40:58 +0000 Subject: [CLBS] Call for requests: copies of your confirmed Subchapter V Ch. 11 plans Message-ID: Dear Colleagues: The Commercial Law and Bankruptcy Section is compiling a database of confirmed Subchapter V Ch. 11 plans. As you get your plans confirmed, would you be so kind as to alert one of the members of CLBS leadership or send us a copy of your plan? Our idea is not to steal your hard work, but rather to inspire others and elevate the practice. Feel free to drop me a line or call me if you have questions. Kind regards, Tecla Druffel Chair, CLBS Tecla E. Druffel Attorney at Law TED BK, PLLC 312 Main Street P.O. Box 323 Lewiston, Idaho 83501 P: (208) 743-9569 F: (888) 877-4307 From PGeile at foleyfreeman.com Wed Sep 1 11:17:46 2021 From: PGeile at foleyfreeman.com (Patrick Geile) Date: Wed, 1 Sep 2021 17:17:46 +0000 Subject: [CLBS] FW: upcoming FREE CLE-Who Will Even Notice? In-Reply-To: References: Message-ID: Good Morning, There is a free CLE presented by the Federal Bar starting at noon Mountain time. It will cover basic players in the bankruptcy system and delve into noticing rules and best practices. Here is the link https://protect-us.mimecast.com/s/j9u-C730yXhAxp8DC8D3N0?domain=zoomgov.com I hope to see you all there. Patrick J. Geile Attorney [cid:image001.png at 01D79F21.BE784850] 953 S. Industry Way Meridian, ID 83642 Phone: 208-888-9111 Direct:208-947-1563 Fax: 208-888-5130 Website: https://protect-us.mimecast.com/s/l-vPC82NzEH6Zv2oF15WkF?domain=foleyfreeman.com Foley Freeman is committed to continuing to providing quality legal services to our clients while at the same time, promoting the health and well-being of our clients and staff. As a result of the current Covid-19 pandemic, Foley Freeman has transitioned for the time being to a largely remote work environment. Accordingly, response times to your e-mail communications may be slower than usual. We understand your legal matters are of utmost importance to you and promise to respond as soon as possible. Thank you for your patience. Stay safe! CONFIDENTIALITY NOTICE: The preceding message (including attachment, if any) is covered by the Electronic Communication Privacy Act, 18 U.S.C. sections 2510-2521, is CONFIDENTIAL, and may also be protected by the ATTORNEY/CLIENT OR OTHER PRIVILEGE. If you believe that this message has been sent to you in error, do not read any further portion of the message other than the remainder of this notice, please reply to the sender that you have received the message in error, and delete the message. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. We do not waive any attorney/client or work product privilege by the transmission of this message. -------------- next part -------------- A non-text attachment was scrubbed... Name: image001.png Type: image/png Size: 5588 bytes Desc: image001.png URL: From PGeile at foleyfreeman.com Wed Sep 1 13:08:03 2021 From: PGeile at foleyfreeman.com (Patrick Geile) Date: Wed, 1 Sep 2021 19:08:03 +0000 Subject: [CLBS] Who will even Notice final pdf.pdf Message-ID: Hopefully this works. Attached is today's Powerpoint in pdf format. -------------- next part -------------- A non-text attachment was scrubbed... Name: Who will even Notice final pdf.pdf Type: application/pdf Size: 2103490 bytes Desc: Who will even Notice final pdf.pdf URL: From ajt at aaronjtolsonlaw.com Wed Sep 1 15:06:56 2021 From: ajt at aaronjtolsonlaw.com (Aaron Tolson) Date: Wed, 1 Sep 2021 15:06:56 -0600 Subject: [CLBS] Call for requests: copies of your confirmed Subchapter V Ch. 11 plans In-Reply-To: References: Message-ID: Here is a confirmed plan. On Wed, Sep 1, 2021 at 10:41 AM Tecla Druffel < tecla at lewistonbankruptcylawyer.com> wrote: > Dear Colleagues: > > The Commercial Law and Bankruptcy Section is compiling a database of > confirmed Subchapter V Ch. 11 plans. As you get your plans confirmed, would > you be so kind as to alert one of the members of CLBS leadership or send us > a copy of your plan? > > Our idea is not to steal your hard work, but rather to inspire others and > elevate the practice. Feel free to drop me a line or call me if you have > questions. > > Kind regards, > > Tecla Druffel > Chair, CLBS > > > > Tecla E. Druffel > Attorney at Law > TED BK, PLLC > 312 Main Street > P.O. Box 323 > Lewiston, Idaho 83501 > P: (208) 743-9569 > F: (888) 877-4307 > > _______________________________________________ > CLBS mailing list > CLBS at admws.idaho.gov > https://protect-us.mimecast.com/s/VhBlClYgk7I25K90cGq8Rd?domain=admws.idaho.gov > > -- Aaron J. Tolson 2677 E. 17th St. #300 Ammon, ID. 83406 208-228-5221 This a privileged communication. Please advise if you received it in error. -------------- next part -------------- A non-text attachment was scrubbed... Name: Amended Plan of Reorganization 3-12-2021 (3).docx Type: application/vnd.openxmlformats-officedocument.wordprocessingml.document Size: 78428 bytes Desc: not available URL: From ajt at aaronjtolsonlaw.com Thu Sep 2 11:46:09 2021 From: ajt at aaronjtolsonlaw.com (Aaron Tolson) Date: Thu, 2 Sep 2021 11:46:09 -0600 Subject: [CLBS] Anyone know who can accept service Message-ID: Specialty Retailers in Houston Texas, part of a large Texas based retail chapter 11 -- Aaron J. Tolson 2677 E. 17th St. #300 Ammon, ID. 83406 208-228-5221 This a privileged communication. Please advise if you received it in error. From alex at cavallawoffice.com Fri Sep 3 10:20:18 2021 From: alex at cavallawoffice.com (Alexandra Caval) Date: Fri, 3 Sep 2021 10:20:18 -0600 Subject: [CLBS] In re Nichols - 9th Cir decision re absolute right to dismiss a chapter 13 case under 1307(b) Message-ID: Law v Siegel continues to have a ripple effect in bankruptcy. Two days ago, the 9th Cir held that Law v Siegel overruled Rosson, which was a prior 9th Cir decision that carved out an implied exception for bad faith or abuse of process when a debtor asserted a right to dismiss a chapter 13 case under 11 USC 1307(b). The 9th Cir now aligns with the 2nd and 6th Circuits on the issue. Nichols holds that a chapter 13 debtor has an absolute right to dismiss under 1307(b) unless the debtor has previously converted from another chapter (7, 11, 12) to chapter 13. The 9th Cir says the Bankruptcy Code contains enough alternative tools for bk courts to address debtor misconduct (but doesn't discuss them). Even if those tools were lacking, it would be Congress's job to create those tools with appropriate legislation. It's a good case to read (and it's attached). -- Alexandra O. Caval Caval Law Office, P.C. P.O. Box 1716 Twin Falls, ID 83303-01716 T: 208.733.2035 F: 208.733.3919 alex at cavallawoffice.com *PRIVILEGE AND CONFIDENTIALITY NOTICE* This e-mail is intended only for the use of the recipient named and may contain information that is confidential, privileged, and exempt from disclosure under applicable laws. If you are not the named recipient, you may have received this transmission in error. We ask that you immediately notify the sender and remove this and all attached file(s) from your system. Receipt by anyone other than the intended recipient is not a waiver of the attorney-client or work-product privileges. You are hereby notified that any disclosure, copying, distribution, or use of any of the information contained in this transmission if you are not the intended recipient is prohibited and may expose you to liability. -------------- next part -------------- A non-text attachment was scrubbed... Name: Nichols (9th Cir 2021).pdf Type: application/pdf Size: 3191610 bytes Desc: not available URL: From rmaynes at eastidahocu.org Wed Sep 8 10:35:08 2021 From: rmaynes at eastidahocu.org (Robert J. Maynes) Date: Wed, 8 Sep 2021 16:35:08 +0000 Subject: [CLBS] Referral for Towing Lien Dispute with First Lienholder Message-ID: <5036B1DB-9CFC-47A3-AA86-059F3E7EDCD3@eastidahocu.org> Dear Listmates, I?m looking for a referral in Nebraska who can assist with the following scenario. We have a first lien on a vehicle. Vehicle was apparently towed at the request of law enforcement in July of 2020. The towing company recently contacted us (over a year later) asserting that their towing lien is paramount despite failing to provide us with any notice until now. Tow bill is now approximately $10,000 after a year plus worth of storage fees. I don?t see where the tow lien primes us without adequate notice, which they didn?t provide. See NRS ? 60-2410. Does anyone have any contacts they would recommend I talk to in that area of the country? It?s in Grand Island, NE - about 1 1/2 hours west of Lincoln, NE. Kindest regards, Rob Robert J. Maynes, Esq. VP of Compliance/Legal CUCE ?Whenever you feel like criticizing anyone . . . just remember that all the people in this world haven?t had the advantages that you?ve had.? F. Scott Fitzgerald East Idaho Credit Union 865 S. Woodruff Ave. Idaho Falls, ID 83401 Phone: 208.523.9068 Ext. 3886 | Fax: 208.523.4755 Email: rmaynes at eastidahocu.org [cid:8DB15141-D1E2-43B7-8ADE-94BCC7093E54][cid:A5EC3B7E-92F6-4250-9FCA-A009501BE7D8][cid:image002.png at 01D69C9E.A028C2C0] Any personal opinions, conclusions, or other information expressed in the email are neither given nor endorsed by EICU. Please be aware that EICU will never request personal or financial information via unsecured email. Confidentiality Statement: The information contained in this email is intended for the recipient named above. If the reader of this message is not the intended recipient or the intended recipient's agent, you are hereby notified that any dissemination, distribution or copying of the information contained in this email is prohibited. If this email has reached you in error, you are asked to notify us as soon as possible. Thank you for your cooperation. Any personal opinions, conclusions, or other information expressed in the email are neither given nor endorsed by EICU. Please be aware that EICU will never request personal or financial information via unsecured email. If you need to send something securely, please make the request. -------------- next part -------------- A non-text attachment was scrubbed... Name: 2021.05.06_Screen Shot 2021-05-06 at 10.21.49 AM.png Type: image/png Size: 42597 bytes Desc: 2021.05.06_Screen Shot 2021-05-06 at 10.21.49 AM.png URL: -------------- next part -------------- A non-text attachment was scrubbed... Name: image002.png Type: image/png Size: 26860 bytes Desc: image002.png URL: -------------- next part -------------- A non-text attachment was scrubbed... Name: PastedGraphic-1.tiff Type: image/tiff Size: 31564 bytes Desc: PastedGraphic-1.tiff URL: From PGeile at foleyfreeman.com Thu Sep 9 11:46:39 2021 From: PGeile at foleyfreeman.com (Patrick Geile) Date: Thu, 9 Sep 2021 17:46:39 +0000 Subject: [CLBS] Good Company? Message-ID: So this is the address for the Fed Loan servicing proof of claim: Death, Disability, and Bankruptcy Team FedLoan Servicing P.O. Box 69184 Harrisburg, PA 17106-9184 I didn't think we were all so close to death's door. I guess I was wrong at least in the eyes of the Fed Loan servicing. Patrick J. Geile Attorney [cid:image001.png at 01D7A570.598D9490] 953 S. Industry Way Meridian, ID 83642 Phone: 208-888-9111 Direct:208-947-1563 Fax: 208-888-5130 Website: https://protect-us.mimecast.com/s/A2iKCYEmY5ULAzD4I0HpsA?domain=foleyfreeman.com Foley Freeman is committed to continuing to providing quality legal services to our clients while at the same time, promoting the health and well-being of our clients and staff. As a result of the current Covid-19 pandemic, Foley Freeman has transitioned for the time being to a largely remote work environment. Accordingly, response times to your e-mail communications may be slower than usual. We understand your legal matters are of utmost importance to you and promise to respond as soon as possible. Thank you for your patience. Stay safe! CONFIDENTIALITY NOTICE: The preceding message (including attachment, if any) is covered by the Electronic Communication Privacy Act, 18 U.S.C. sections 2510-2521, is CONFIDENTIAL, and may also be protected by the ATTORNEY/CLIENT OR OTHER PRIVILEGE. If you believe that this message has been sent to you in error, do not read any further portion of the message other than the remainder of this notice, please reply to the sender that you have received the message in error, and delete the message. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. We do not waive any attorney/client or work product privilege by the transmission of this message. -------------- next part -------------- A non-text attachment was scrubbed... Name: image001.png Type: image/png Size: 5588 bytes Desc: image001.png URL: From hopperlaw at cableone.net Wed Sep 15 12:38:32 2021 From: hopperlaw at cableone.net (Christopher Hopper) Date: Wed, 15 Sep 2021 14:38:32 -0400 (EDT) Subject: [CLBS] LLC dissolution wind-up - third-party liquidator Message-ID: <1231143653.117107102.1631731112592.JavaMail.zimbra@cableone.net> I have an out-of-state client who is member #2 , the heavy capital contributor, of a two-member LLC. He is interested in dissolving the company; member #1, more the labor contributor, not so much. It's not huge: about $300K in equipment and possibly underwater. If we can get a settlement agreement in place with #1 to dissolve the company, query about using a third-party liquidator. A liquidator having general powers to settle outstanding receivables and payables, assume responsibility for the books and accounts of the LLC, maintain the liquidation account, send notices of the pending dissolution to all creditors and other known claimants, communicate dissolution to customers, licensing agencies, and report to members on progress, etc. Are there recommendations for liquidators and when to use them/experiences using them? Estimates of cost and how their compensation works? The company is in eastern Idaho, but we could use referrals in Boise too. Thanks all. -- Christopher Hopper Attorney at Law Treasure Valley Legal Services, Inc. 3350 Americana Terrace, Suite 320 P.O. Box 9042 Boise, ID 83707-3042 Tele. (208) 740-1669 E-mail: hopperlaw at cableone.net Website: https://protect-us.mimecast.com/s/A7ynCyPyAXHrK0MAfZQO4J?domain=hopperlaw.net CONFIDENTIALITY NOTICE: This e-mail is intended only for the personal and confidential use of the individual(s) named as recipients and is covered by the Electronic Communications Privacy Act, 18 U.S.C. ?? 2510-2521. It may contain information that is privileged, confidential and/or protected from disclosure under applicable law including, but not limited to, the attorney client privilege and/or work product doctrine. If you have received this e-mail in error, please notify the sender at (208) 740-1669 and delete this message from your computer. Do not deliver, distribute or copy this transmission, disclose its contents or take any action in reliance on the information it contains. From RFaucher at hollandhart.com Wed Sep 15 12:43:35 2021 From: RFaucher at hollandhart.com (Robert Faucher) Date: Wed, 15 Sep 2021 18:43:35 +0000 Subject: [CLBS] LLC dissolution wind-up - third-party liquidator In-Reply-To: <1231143653.117107102.1631731112592.JavaMail.zimbra@cableone.net> References: <1231143653.117107102.1631731112592.JavaMail.zimbra@cableone.net> Message-ID: <6b102feae033405f97e2a0dabf2e8724@VHHEXMB01.hollandhart.com> Christopher, You could consider Steve Neighbors of Strategic & Operational Solutions, Inc.; and Matt McKinlay of Ampleo. This project might fall within their respective areas of expertise. Bob Faucher Partner Holland & Hart LLP 800 West Main Street, Suite 1750, Boise, ID 83702 T 208.383.3941 F 208.343.8869 M 208.283.6781 rfaucher at hollandhart.com | Bio [cid:image001.gif at 01D7AA2F.4B6C1BC0] CONFIDENTIALITY NOTICE: This message is confidential and may be privileged. If you believe that this email has been sent to you in error, please reply to the sender that you received the message in error; then please delete this e-mail. Thank you. From: CLBS On Behalf Of Christopher Hopper Sent: Wednesday, September 15, 2021 12:39 PM To: clbs at admws.idaho.gov Subject: [CLBS] LLC dissolution wind-up - third-party liquidator External Email I have an out-of-state client who is member #2 , the heavy capital contributor, of a two-member LLC. He is interested in dissolving the company; member #1, more the labor contributor, not so much. It's not huge: about $300K in equipment and possibly underwater. If we can get a settlement agreement in place with #1 to dissolve the company, query about using a third-party liquidator. A liquidator having general powers to settle outstanding receivables and payables, assume responsibility for the books and accounts of the LLC, maintain the liquidation account, send notices of the pending dissolution to all creditors and other known claimants, communicate dissolution to customers, licensing agencies, and report to members on progress, etc. Are there recommendations for liquidators and when to use them/experiences using them? Estimates of cost and how their compensation works? The company is in eastern Idaho, but we could use referrals in Boise too. Thanks all. -- Christopher Hopper Attorney at Law Treasure Valley Legal Services, Inc. 3350 Americana Terrace, Suite 320 P.O. Box 9042 Boise, ID 83707-3042 Tele. (208) 740-1669 E-mail: hopperlaw at cableone.net Website: https://protect-us.mimecast.com/s/vtt3CJ6xKQUqlylruzeu9_?domain=hopperlaw.net CONFIDENTIALITY NOTICE: This e-mail is intended only for the personal and confidential use of the individual(s) named as recipients and is covered by the Electronic Communications Privacy Act, 18 U.S.C. ?? 2510-2521. It may contain information that is privileged, confidential and/or protected from disclosure under applicable law including, but not limited to, the attorney client privilege and/or work product doctrine. If you have received this e-mail in error, please notify the sender at (208) 740-1669 and delete this message from your computer. Do not deliver, distribute or copy this transmission, disclose its contents or take any action in reliance on the information it contains. _______________________________________________ CLBS mailing list CLBS at admws.idaho.gov https://protect-us.mimecast.com/s/8LtWCKry7QC2P9PEhANIHD?domain=admws.idaho.gov -------------- next part -------------- A non-text attachment was scrubbed... Name: image001.gif Type: image/gif Size: 3241 bytes Desc: image001.gif URL: From hopperlaw at cableone.net Thu Sep 16 10:20:28 2021 From: hopperlaw at cableone.net (Christopher Hopper) Date: Thu, 16 Sep 2021 12:20:28 -0400 (EDT) Subject: [CLBS] LLC dissolution wind-up - third-party liquidator In-Reply-To: <6b102feae033405f97e2a0dabf2e8724@VHHEXMB01.hollandhart.com> References: <1231143653.117107102.1631731112592.JavaMail.zimbra@cableone.net> <6b102feae033405f97e2a0dabf2e8724@VHHEXMB01.hollandhart.com> Message-ID: <1386681350.118686929.1631809228573.JavaMail.zimbra@cableone.net> Thank you, Bob and Patrick, for the information. Chris From: "Robert Faucher" To: "Christopher Hopper" , "clbs" Sent: Wednesday, September 15, 2021 12:43:35 PM Subject: RE: LLC dissolution wind-up - third-party liquidator Christopher, You could consider Steve Neighbors of Strategic & Operational Solutions, Inc.; and Matt McKinlay of Ampleo. This project might fall within their respective areas of expertise. Bob Faucher Partner Holland & Hart LLP 800 West Main Street, Suite 1750, Boise, ID 83702 T 208.383.3941 F 208.343.8869 M 208.283.6781 [ mailto:rfaucher at hollandhart.com | rfaucher at hollandhart.com ] | [ https://protect-us.mimecast.com/s/NjHrC730yXhALzjXs8QCvd?domain=hollandhart.com | Bio ] [ https://protect-us.mimecast.com/s/l7a2C82NzEH69X85s1c_V0?domain=hollandhart.com ] CONFIDENTIALITY NOTICE: This message is confidential and may be privileged. If you believe that this email has been sent to you in error, please reply to the sender that you received the message in error; then please delete this e-mail. Thank you. From: CLBS On Behalf Of Christopher Hopper Sent: Wednesday, September 15, 2021 12:39 PM To: clbs at admws.idaho.gov Subject: [CLBS] LLC dissolution wind-up - third-party liquidator External Email I have an out-of-state client who is member #2 , the heavy capital contributor, of a two-member LLC. He is interested in dissolving the company; member #1, more the labor contributor, not so much. It's not huge: about $300K in equipment and possibly underwater. If we can get a settlement agreement in place with #1 to dissolve the company, query about using a third-party liquidator. A liquidator having general powers to settle outstanding receivables and payables, assume responsibility for the books and accounts of the LLC, maintain the liquidation account, send notices of the pending dissolution to all creditors and other known claimants, communicate dissolution to customers, licensing agencies, and report to members on progress, etc. Are there recommendations for liquidators and when to use them/experiences using them? Estimates of cost and how their compensation works? The company is in eastern Idaho, but we could use referrals in Boise too. Thanks all. -- Christopher Hopper Attorney at Law Treasure Valley Legal Services, Inc. 3350 Americana Terrace, Suite 320 P.O. Box 9042 Boise, ID 83707-3042 Tele. (208) 740-1669 E-mail: [ mailto:hopperlaw at cableone.net | hopperlaw at cableone.net ] Website: [ https://protect-us.mimecast.com/s/FVKPC9rNAgCk8zVWF3e2VJ?domain=hopperlaw.net | https://protect-us.mimecast.com/s/FVKPC9rNAgCk8zVWF3e2VJ?domain=hopperlaw.net ] CONFIDENTIALITY NOTICE: This e-mail is intended only for the personal and confidential use of the individual(s) named as recipients and is covered by the Electronic Communications Privacy Act, 18 U.S.C. ?? 2510-2521. It may contain information that is privileged, confidential and/or protected from disclosure under applicable law including, but not limited to, the attorney client privilege and/or work product doctrine. If you have received this e-mail in error, please notify the sender at (208) 740-1669 and delete this message from your computer. Do not deliver, distribute or copy this transmission, disclose its contents or take any action in reliance on the information it contains. _______________________________________________ CLBS mailing list [ mailto:CLBS at admws.idaho.gov | CLBS at admws.idaho.gov ] [ https://protect-us.mimecast.com/s/tj1OC0R7oLfGjk0XhWrEHC?domain=admws.idaho.gov | https://protect-us.mimecast.com/s/tj1OC0R7oLfGjk0XhWrEHC?domain=admws.idaho.gov ] From ajt at aaronjtolsonlaw.com Wed Sep 22 14:29:54 2021 From: ajt at aaronjtolsonlaw.com (Aaron Tolson) Date: Wed, 22 Sep 2021 14:29:54 -0600 Subject: [CLBS] Need answer from a smart bank attorney Message-ID: Realizing that's an oxymoron, but here's the hypo: Debtor A files a 7 May 1, 2019, Discharged Aug 1, 2019, FHA refinance available now. Debtor B files a 7 May 1, 2019, Discharge delayed till Feb 2020 by trustee request, FHA refinance not available till Feb 2022. A&B seem to be similarly situated debtors, same filing date, same case result (discharge) but one can refinance earlier than the other. What's the rationale behind this? -- Aaron J. Tolson 2677 E. 17th St. #300 Ammon, ID. 83406 208-228-5221 This a privileged communication. Please advise if you received it in error. From rgreenwood at greenwoodlaw.com Wed Sep 22 15:01:54 2021 From: rgreenwood at greenwoodlaw.com (Richard Greenwood) Date: Wed, 22 Sep 2021 15:01:54 -0600 Subject: [CLBS] Need answer from a smart bank attorney In-Reply-To: References: Message-ID: <3216e755-7613-f5fd-3caa-977e82c06462@greenwoodlaw.com> With an intro like that I'm sure the bank lawyers will be falling all over themselves to answer. On 9/22/2021 2:29 PM, Aaron Tolson wrote: > Realizing that's an oxymoron, but here's the hypo: > Debtor A files a 7 May 1, 2019, Discharged Aug 1, 2019, FHA refinance > available now. > Debtor B files a 7 May 1, 2019, Discharge delayed till Feb 2020 by trustee > request, FHA refinance not available till Feb 2022. > > A&B seem to be similarly situated debtors, same filing date, same case > result (discharge) but one can refinance earlier than the other. What's > the rationale behind this? > -------------- next part -------------- A non-text attachment was scrubbed... Name: rgreenwood.vcf Type: text/x-vcard Size: 4 bytes Desc: not available URL: From leonatlaw at gmail.com Wed Sep 22 15:22:51 2021 From: leonatlaw at gmail.com (Leon Rothstein) Date: Wed, 22 Sep 2021 15:22:51 -0600 Subject: [CLBS] Need answer from a smart bank attorney In-Reply-To: <3216e755-7613-f5fd-3caa-977e82c06462@greenwoodlaw.com> References: <3216e755-7613-f5fd-3caa-977e82c06462@greenwoodlaw.com> Message-ID: FHA rules "season" bankruptcy from discharge date, not filing date. Borrower can be considered for FHA refinance two years after discharge. On Wed, Sep 22, 2021 at 3:03 PM Richard Greenwood < rgreenwood at greenwoodlaw.com> wrote: > With an intro like that I'm sure the bank lawyers will be falling all > over themselves to answer. > > On 9/22/2021 2:29 PM, Aaron Tolson wrote: > > Realizing that's an oxymoron, but here's the hypo: > > Debtor A files a 7 May 1, 2019, Discharged Aug 1, 2019, FHA refinance > > available now. > > Debtor B files a 7 May 1, 2019, Discharge delayed till Feb 2020 by > trustee > > request, FHA refinance not available till Feb 2022. > > > > A&B seem to be similarly situated debtors, same filing date, same case > > result (discharge) but one can refinance earlier than the other. What's > > the rationale behind this? > > > > _______________________________________________ > CLBS mailing list > CLBS at admws.idaho.gov > https://protect-us.mimecast.com/s/cDSSCgJED2CApAAvtN4tXV?domain=admws.idaho.gov > -- Leon Rothstein Attorney at Law 2627 West Idaho Street Boise, ID 83702 (208) 338-1001 (208) 866-9470 cell (208) 338-8400 fax *Confidentiality Notice: This e-mail message may contain confidential and privileged information exempt from disclosure under applicable law. If you have received this message by mistake, please notify us immediately by replying to this message or telephoning us, and do not review, disclose, copy, or distribute it. Thank you.*