Bankruptcy Trustees: How to Keep them from Getting Verklempt

December 7, 2010

Bankruptcy Trustees: How to Keep them from Getting Verklempt

by Russell A. DeMott, Charleston Bankruptcy Lawyer · Posted in *Bankruptcy Basics

bankruptcy trusteesFiling bankruptcy cases means–very soon after the case has been filed–dealing with bankruptcy trustees.  I’ve practiced bankruptcy law for fifteen years now, and one thing I’ve learned about bankruptcy trustees is that they are all different.  No two ask for exactly the same documents.  And no two want things done exactly the same way.  They all have their peeves and policies, and the challenge faced by bankruptcy attorneys is to know what each trustee demands in order to keep the cases flowing smoothly.

Emotionally distraught trustees remind me of the Mike Meyers character, Linda Richman.  On Saturday Night Live Linda would discuss various issues and, if she got worked up, she’d announce that she was getting “verklempt.”  In case you don’t know what this meant, I’ll clue you in.  It meant Linda was experiencing angst–getting emotionally upset.

If at all possible, you don’t want a verklempt trustee on your hands.  So here are some suggestions on how to avoid that.

If Your Trustee Wants It With Purple Glitter in the Upper Right Hand Corner–Give it to Her that Way

Okay. I’ll admit it, no trustee I’ve dealt with wanted documents to be provided with purple glitter.  But you’re missing the point here.  If your trustee wants certain documents or wants them a certain order, or wants them provided in a certain way, just do what’s asked!  Each trustee has a paper blizzard to deal with.  They get a lot of cases assigned to them.  But they all must come up with systems to deal with their paper blizzard.  Some want only last year’s tax return, some want two or three years’ returns.  Some like documents via email (“so we don’t have to shred them after scanning them”) and others want them provided on paper (“I don’t want to pay to print all those documents”).  Know your trustee, and provide what she requests the way she requests it.

If You’re a New Bankruptcy Lawyer, Go Meet Your Trustees

If you’ve just begun practicing bankruptcy law, or are new to your district, I suggest you meet your bankruptcy trustees.  When you call for an appointment, they’ll likely be confused, but after the shock wears off, they’ll be impressed that you cared enough to find out how they wanted things done.  You took the initiative to call them, to go see them, and to find out how to make their life a bit easier.  They’ll appreciate that–especially if you follow up with their suggestions, and that will make a positive impression.

Don’t Quibble Over Things that Don’t Matter

I recently had a trustee question how I exempted a particular item of property under our South Carolina exemption statute, which is fairly new.  There’s an issue about how to claim exemptions, and that issue hasn’t been resolved by our bankruptcy court yet.  The trustee had a problem with the way I’d done something.  It didn’t matter whether I did it my way or his way, so I just amended to do it his way.  Why?  Because it just doesn’t matter.  Pick your fights with trustees carefully.  Only fight over issues which are outcome-determinative for your client.  Then, fight hard and do a thorough job.  Trustees respect bankruptcy lawyers who care about their clients and who aren’t pushovers on substantive issues. But if it’s not substantive, get out your purple glitter.

Your Case Should be Like Butter

Or, as Linda Richman would say, “like buttah!”‘ Smooth.  You want your cases to flow.  Your clients will be happier, the trustee will be happier, and you won’t waste time fighting over things that just don’t matter.  Give it up, Bubala!

And then there’s Rhode Island….

Rhode Island is neither a road, nor an island.  Discuss!

DISCLAIMER: Nothing in this blog posts should be construed to suggest that any District of South Carolina bankruptcy trustee resembles Linda Richman or has, at any time, exhibited signs of being verklempt.

DEDICATION: This post is dedicated to Barbara Streisand.

Photo Credit: Padumbumpsh via Flickr


Liked This Article? Why Not Share It?

About Russell A. DeMott, Charleston Bankruptcy Lawyer

Russell A. DeMott is a Charleston, South Carolina bankruptcy lawyer who represents consumer debtors in Chapter 7 and Chapter 13 bankruptcy. He is the author of the Charleston Bankruptcy Blog. He is also a member of the South Carolina Bankruptcy Blog.

I did not write this post (obviously) but liked it and it applies not only to Bankruptcy Trustees, but to Immigration Adjudication Officers as well.  Do the best job you can, do not fight on issues that are not determinative, but when it is time to fight, do it zealously, within the law.

The real free credit report

January 19, 2010

Want a Free Annual Credit Report?

The Only Official Website is annualcreditreport.com

The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The three companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free credit report. The Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to know that, if you want to order your free annual credit report online, there is only one authorized website:annualcreditreport.com.

To Order Your Free Annual Credit Report

Many other websites claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring.” But, be careful. These sites are not part of the official annual free credit report program. And in some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period ends. If you don’t cancel during the trial period, you may be agreeing to let the company start charging fees to your credit card.

These sites often look like the official site at annualcreditreport.com. Some use terms like “free report” in their names; others have website names that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.If you want to order your free annual credit report online, carefully type in the name: annualcreditreport.com, or go to the FTC’s website which has a link to it. Once you have filled out certain information at annualcreditreport.com, you will be directed to individual websites operated by the three nationwide consumer reporting companies. You may get offers to buy additional products or services while on the companies’ websites, such as credit scores or credit monitoring products, but you are not required to make a purchase to receive your free annual credit reports.

This does not have a fun commercial, or a snappy jingle, but you get the right information free as you are entitled.

Where are our clients are from

January 5, 2010

As we said in our about us portion of our site, we represent clients in the greater Cincinnati area for bankruptcy and clients from around the world for immigration.  Just for fun I made a list of places people have contacted us from over the last seven days.  I will update this listing from time to time.

ARIZONA, UNITED STATES
BEIJING, CHINA
BRITISH COLUMBIA, CANADA
CALIFORNIA, UNITED STATES
COLORADO, UNITED STATES
DISTRITO FEDERAL, ARGENTINA
ENGLAND, UNITED KINGDOM
FLORIDA, UNITED STATES
ILE-DE-FRANCE, FRANCE
ILLINOIS, UNITED STATES
MICHIGAN, UNITED STATES
MOSKVA, RUSSIAN FEDERATION
NEW JERSEY, UNITED STATES
NEW YORK, UNITED STATES
NOORD-HOLLAND, NETHERLANDS
OHIO, UNITED STATES
ONTARIO, CANADA
PENNSYLVANIA, UNITED STATES
RABAT-SALE, MOROCCO
STOCKHOLMS LAN, SWEDEN
TOKYO, JAPAN
VIRGINIA, UNITED STATES
WASHINGTON, UNITED STATES
WISCONSIN, UNITED STATES

How Do I Choose a Bankruptcy Attorney?

Your finances are in dire straits and you know that you need help. But you wonder, “How do I choose a bankruptcy attorney?”
You are not alone. The bankruptcy law firm of Geygan & Geygan, Ltd. understands your concerns and knows that bankruptcy is both scary and a relief. The more you understand, the more comfortable you will feel with filing bankruptcy. We’re here to help.
Continue reading »

Will Bankruptcy Help? What Bankruptcy Can and Can’t Do

If you are in serious financial debt, you know that everyday life can be overwhelming. If you are unable to pay your debts, you may be considering filing for bankruptcy. If you qualify, this can be a way for you to begin a new financial start. If you want to know if bankruptcy can help, take a look at the following list.

This will give you a better understanding of what bankruptcy can do for you (and what it can’t.)
Continue reading »

Switch to our mobile site