Welcome to the National Consumer Bankruptcy Rights Center (NCBRC). We are dedicated to protecting the rights of consumer debtors in bankruptcy appeals, ensuring fair and just treatment within the legal system. Our mission is to advocate for a balanced approach to bankruptcy law, providing support and resources for consumers and attorneys alike. Together, we strive to uphold the integrity of the bankruptcy process for individuals seeking a fresh financial start.
Latest Posts
Ninth Circuit to Address Scope of § 524(i) and Discharge Remedies in Valdellon v. Wells Fargo
The Ninth Circuit is poised to address a set of important issues at the intersection of Chapter 13 practice and discharge enforcement in Valdellon v. Wells Fargo. The appeal challenges how § 524(i) applies when a mortgage servicer fails to honor the cure-and-maintain structure of a confirmed Chapter 13 plan and asks whether emotional-distress damages…
Michigan Court of Appeals Orders Presentation of Passed Bills, Including Critical Bankruptcy-Exemption Modernization Measure
In a significant constitutional and consumer-protection decision, the Michigan Court of Appeals held that nine bills duly enacted by both chambers of the Legislature—including HB 4901, the long-awaited modernization of Michigan’s bankruptcy exemptions—must be presented to the Governor for consideration. The opinion, released October 27, 2025, reverses the Court of Claims and directs issuance of…
5th Circuit Holds That The 30-Day Window To Object to Exemptions in Rule 4003(b)(1) Can Be Waived
In Langston v. Dallas Commodity Company, No. 24-10883 (5th Cir. Nov. 17, 2025), the U.S. Court of Appeals for the Fifth Circuit addressed a recurring challenge in consumer bankruptcy practice: what happens when a trustee fails to properly continue a Section 341 meeting of creditors under Federal Rule of Bankruptcy Procedure 2003(e)? While the court…