,i #aaf? ,,congress #b;d ,session ,h4 ,r4 #hijb ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,decemb] #h1 #bjbj ,mr4 ,nadl] 7= himself & ,mr4 ,cicill9e7 introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ! ,judici>y1 & 9 addition to ! ,committee on ,f9ancial ,s]vices1 = a p]iod to be subsequ5tly det]m9$ by ! ,speak]1 9 ea* case = consid]ation ( su* provisions z fall )9 ! jurisdiction ( ! committee conc]n$ ,a ,,bill ,to am5d title #aa1 ,unit$ ,/ates ,code1 to add a bankruptcy *apt] relat+ to ! debt ( individuals1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,consum] ,bankruptcy ,re=m ,act ( #bjbj4 #b4 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title4 ,sec4 #b4 ,table ( cont5ts4 ,,title ,i--,*apt] #aj individual bankruptcy ,sec4 #aja4 ,f9d+s & purpose4 ,sec4 #ajb4 ,*apt] #aj individual bankruptcy4 ,sec4 #ajc4 ,repeal ( *apt] #ac4 ,sec4 #ajd4 ,o!r am5dm5ts to ! ,bankruptcy ,code4 ,sec4 #aje4 ,data collection4 ,sec4 #ajf4 ,electronic signatures4 ,sec4 #ajg4 ,judicial education4 ,sec4 #ajh4 ,con=m+ am5dm5ts to o!r laws4 ,,title ,,ii--,consum] f9ancial protection am5dm5ts ,sec4 #bja4 ,am5dm5ts to ! ,consum] ,f9ancial ,protection ,act ( #bjaj4 ,sec4 #bjb4 ,am5dm5ts to ! ,tru? 9 ,l5d+ ,act4 ,sec4 #bjc4 ,am5dm5ts to ! ,fair ,cr$it ,report+ ,act4 ,sec4 #bjd4 ,am5dm5ts to ! ,equal ,cr$it ,opportunity ,act4 ,sec4 #bje4 ,am5dm5ts to ! ,fair ,debt ,collection ,practices ,act4 ,sec4 #bjf4 ,am5dm5ts to ! ,electronic ,fund ,transf]s ,act4 ,,title ,,iii--,bankruptcy rules ,sec4 #cja4 ,rules ,enabl+ ,act am5dm5ts4 ,sec4 #cjb4 ,bankruptcy rules am5dm5ts4 ,sec4 #cjc4 ,s5se ( ,congress4 ,,title ,,iv--,fund+ ! bankruptcy sy/em ,sec4 #dja4 ,bankruptcy fees4 ,sec4 #djb4 ,tru/ee comp5sation4 ,,title ,v--,bankruptcy li5 fil+ sy/em ,sec4 #eja4 ,bankruptcy li5 fil+ sy/em4 ,,title ,,vi--,miscellane\s ,sec4 #fja4 ,effective date4 ,sec4 #fjb4 ,transition4 ,sec4 #fjc4 ,sev]ability4 ,i ,*apt] #aj individual bankruptcy #aja4 ,f9d+s & purpose 7a7 ,f9d+s ,congress f9ds t-- 7#a7 individuals & families are (t5 9 f9ancial di/ress = reasons outside ( _! control1 su* z job loss1 m$ical bills1 or educational debt1 & an effective bankruptcy sy/em n only provides ^? individuals & families ) a fre% />t b also ensures t !y c p>ticipate fully 9 ! ,unit$ ,/ates economy2 7#b7 ! ,bankruptcy ,code 0 adopt$ 9 #aigh1 &1 s9ce !n1 consum] l5d+ has gr[n dramatically & be5 trans=m$ by te*nology & ! preemption ( ,/ate usury & consum] protection laws = c]ta9 types ( l5d]s2 7#c7 unnecess>y pap]work & ov]ly complex laws increase ! co/ ( bankruptcy & prev5t individuals & families 9 ! ,unit$ ,/ates :o ne$ help f access+ ! bankruptcy sy/em2 7#d7 _m consum] debtors _c af=d bankruptcy c\nsel & mu/ in/ead save up to pay an attorney to file _! bankruptcy petitions2 7#e7 ! dual-track bankruptcy sy/em produces racially disp>ate outcomes t disadvantage p ( color2 7#f7 /ud5t loan debt burd5s are creat+ di/ortions 9 ! labor & h\s+ m>ket2 7#g7 ! nondis*>geability ( private /ud5t loan debt has n result$ 9 l[] f9anc+ co/s = /ud5t loan borr[]s2 7#h7 ! inability ( debtors to re/ructure home mortgage loans has l$ to unnecess>y =eclosures t h creat$ h>d%ips = individuals & families & _! communities )\t r$uc+ co/s ( mortgage f9anc+2 7#i7 individuals & families (t5 rely on _! c>s to get to "w & to get dep5d5ts to s*ool & m$ical appo9tm5ts b (t5 _c reta9 _! c>s 9 bankruptcy )\t pay+ sub/antially m ?an ! c> is wor?2 7#aj7 ! difficulty ( en=c+ ! dis*>ge injunction has enabl$ illegal debt collection activity t und]cuts ! fre% />t policy ( bankruptcy2 7#aa7 exi/+ law does n provide a suffici5t det]r5t to pr$atory cr$itors t h>m individuals & families 9 bankruptcy by violat+ consum] f9ancial laws or fail+ to comply ) bankruptcy rules2 & 7#ab7 well-c\nsel$1 afflu5t debtors c avoid repay+ cr$itors ?r\gh asset protection plann+4 7b7 ,purpose ,! purpose ( ! ,act is to e/abli% a bankruptcy sy/em t helps individuals & families 9 ! ,unit$ ,/ates rega9 f9ancial /ability & protects aga9/ abusive & pr$atory behavior by-- 7#a7 /reaml9+ ! process ( fil+ = bankruptcy1 simplify+ c\rt proc$ures 9 bankruptcy1 & l[]+ ! co/ ( bankruptcy = bo? consum]s & cr$itors2 7#b7 creat+ a s+le-*apt] consum] bankruptcy sy/em t all[s consum]s great] flexibility 9 address+ _! debts & prev5ts disp>ate treatm5t ( simil>ly situat$ consum]s2 7#c7 (f]+ consum]s m & bett] options to deal ) debts1 :ile ensur+ ! fair treatm5t ( cr$itors2 7#d7 mak+ x easi] = consum]s to pay an attorney = c\nsel or repres5tation 9 a bankruptcy case2 7#e7 simplify+ ! id5tification & treatm5t ( cases by exp&+ ! numb] ( r\t9e cases t are h&l$ by ! c\rt 9 :i* !re is no *ance ( a reasonable paym5t to cr$itors & r$uc+ pap]work requirem5ts 9 ^? r\t9e cases2 7#f7 all[+ ! modification ( mortgages on all resid5ces2 7#g7 all[+ ! modification ( c> loans bas$ on ! m>ket value ( a c>2 7#h7 all[+ ! dis*>ge ( /ud5t loan debt on equal t]ms ) mo/ o!r types ( debt2 7#i7 r$uc+ racial1 g5d]1 & o!r h>mful disp>ities 9 ! availability1 accessibility1 co/s1 & outcomes ) respect to ! bankruptcy process2 7#aj7 ensur+ ! fair treatm5t ( claimants = dome/ic support obligations2 7#aa7 r$uc+ abusive cr$itor behavior2 & 7#ab7 clos+ bankruptcy loopholes t all[ ! weal?y to exploit ! bankruptcy process4 #ajb4 ,*apt] #aj individual bankruptcy 7a7 ,9 g5]al ,title #aa1 ,unit$ ,/ates ,code1 is am5d$ by ins]t+ aft] section #idf ! foll[+3 #aj ,individual bankruptcy ,,sub*apt] ,i--,g5]al provisions ,sec4 #ajja4 ,tru/ee4 #ajjb4 ,rights & p[]s ( debtor4 #ajjc4 ,debtor engag$ 9 bus9ess4 #ajjd4 ,possession ( prop]ty ( ! e/ate4 #ajje4 ,conv]sion or dismissal4 #ajjf4 ,treatm5t ( c]ta9 contracts & leases4 #ajjg4 ,treatm5t ( r5tal pur*ase agreem5ts4 #ajjh4 ,obta9+ cr$it4 #ajji4 ,/ay ( action aga9/ codebtor4 #ajaj4 ,int]pretive pr9ciple4 ,,sub*apt] ,,ii--,plans #ajba4 ,fil+ ( plans4 #ajbb4 ,cont5ts ( plans4 #ajbc4 ,plan confirmation he>+4 #ajbd4 ,confirmation ( plans4 #ajbe4 ,paym5ts "u a repaym5t plan4 #ajbf4 ,paym5ts "u a resid5ce plan or prop]ty plan4 #ajbg4 ,protection ( lessors & pur*ase money l5d]s4 #ajbh4 ,effect ( confirmation4 #ajbi4 ,modification ( repaym5t plan4 ,,sub*apt] ,,iii--,dis*>ge #ajca4 ,dis*>ge2 scope & tim+4 #ajcb4 ,revocation ( dis*>ge or ord] ( confirmation4 ,,sub*apt] ,,iv--,avoidance actions #ajda4 ,treatm5t ( c]ta9 li5s4 #ajdb4 ,limitations on avoidance actions4 ,,sub*apt] ,v--,limit$ proce$+s #ajea4 ,election ( limit$ proce$+4 #ajeb4 ,effect ( limit$ proce$+4 #ajec4 ,dismissal or conv]sion ( limit$ proce$+s4 ,i ,g5]al provisions #ajja4 ,tru/ee 7a7 ,appo9tm5t ,except z provid$ by section #ajeb1 9 a case "u ?is *apt]1 ! ,unit$ ,/ates tru/ee-- 7#a7 %all appo9t #a dis9t]e/$ individual to s]ve z tru/ee f ! panel ( private tru/ees "u section #ehf7;a7 ( title #bh or a /&+ tru/ee "u subsection 7b7 ( t section :o meets ! requirem5ts ( a tru/ee "u section #ebb ( ?is title2 or 7#b7 may s]ve z tru/ee4 7b7 ,duties ,! tru/ee %all-- 7#a7 p]=m ! duties requir$ "u p>agraphs 7#b7 ?r\gh 7#e7 & 7#g7 ( section #gjd2 7#b7 appe> & be he>d at any he>+ t conc]ns-- 7,a7 ! value ( prop]ty subject to a li52 or 7,b7 confirmation ( a repaym5t plan1 a resid5ce plan1 or a prop]ty plan2 7#c7 advise1 o!r ?an on legal matt]s1 & assi/ ! debtor 9 ! =mulation (1 & p]=mance "u1 any plan2 7#d7 ensure t ! debtor comm5ces mak+ timely paym5ts "u section #ajbe2 7#e7 9 ! case ( a debtor aga9/ :om !re is a claim = a dome/ic support obligation1 provide ! notices requir$ "u subsection 7d72 & 7#f7 9 ! case ( a debtor engag$ 9 bus9ess z describ$ 9 section #ajjc7;a71 p]=m ! duties requir$ "u p>agraphs 7#c7 & 7#d7 ( section #aajf7;a74 7c7 ,prohibitions ,! tru/ee may n-- 7#a7 s]ve z an advocate = debtors or cr$itors2 7#b7 advise debtors or cr$itors on legal matt]s2 or 7#c7 raise an objection to a plan fil$ "u section #ajba solely on ! basis ( ! treatm5t ( a secur$ claim "u ! plan4 7d7 ,dome/ic support claim notice 7#a7 ,def9ition ( /ate or local *ild support en=cem5t ag5cy ,9 ?is subsection1 ! t]m ,/ate or local *ild support en=cem5t ag5cy means any ag5cy ( a ,/ate or political subdivision !re( op]at+ pursuant to a plan describ$ 9 section #ded ( ! ,social ,security ,act 7#db ,u4,s4,c4 #fed7 t has be5 approv$ by ! ,secret>y ( ,heal? & ,human ,s]vices "u "p ,d ( title ,,iv ( su* ,act 7#db ,u4,s4,c4 #fea et seq474 7#b7 ,additional duties ,9 ! case ( a debtor aga9/ :om !re is a claim = a dome/ic support obligation1 ! tru/ee %all-- 7,a7 provide writt5 notice ( ! claim to ! hold] ( ! dome/ic support obligation t includes-- 7i7 a notice ( ! "r ( ! hold] to use ! s]vices ( a ,/ate or local *ild support en=cem5t ag5cy = assi/ance 9 collect+ *ild support dur+ & aft] ! case2 & 7ii7 ! address & telephone numb] ( ! ,/ate or local *ild support en=cem5t ag5cy ( ! ,/ate or political subdivision !re( 9 :i* ! hold] resides2 7,b7 provide writt5 notice ( ! claim to ! ,/ate or local *ild support en=cem5t ag5cy ( ! ,/ate or political subdivision !re( 9 :i* ! hold] resides t includes ! "n1 address1 & telephone numb] ( ! hold] ( ! dome/ic support obligation2 & 7,c7 on ! date on :i* ! debtor is grant$ a dis*>ge "u section #ajca1 provide writt5 notice to ! hold] ( ! dome/ic support obligation & ! ,/ate or local *ild support en=cem5t ag5cy ( ! ,/ate or political subdivision !re( 9 :i* ! hold] resides (-- 7i7 ! grant+ ( ! dis*>ge2 7ii7 ! mo/ rec5t kn[n address ( ! debtor2 7iii7 ! mo/ rec5t kn[n "n & address ( ! mo/ rec5t kn[n employ] ( ! debtor2 & 7iv7 ! "n ( ea* cr$itor t holds a claim t is n dis*>g$ "u p>agraph 7#b7 or 7#d7 ( section #ebc7;a74 7#c7 ,address reque/ 7,a7 ,9 g5]al ,! hold] ( a claim = dome/ic support aga9/ ! debtor or a ,/ate or local *ild support en=cem5t ag5cy ( ! ,/ate or political subdivision !re( 9 :i* ! hold] resides may reque/ f a cr$itor describ$ 9 p>agraph 7#b77;,c77iv7 ! mo/ rec5t kn[n address ( ! debtor4 7,b7 ,no liability ,not)/&+ any o!r provision ( law1 a cr$itor t makes a disclosure 9 connection ) a reque/ made "u subp>agraph 7,a7 %all n be liable = mak+ ! disclosure4 #ajjb4 ,rights & p[]s ( debtor 7a7 ,9 g5]al ,subject to any limitations ( a tru/ee "u ?is *apt]1 ! debtor %all h1 exclusive ( ! tru/ee1 ! rights & p[]s ( a tru/ee "u-- 7#a7 subsections 7b71 7c71 7d71 7f71 & 7l7 ( section #cfc2 & 7#b7 section #cfd4 7b7 ,avoidance ( transf]s ,! debtor may avoid a transf] ( prop]ty ( ! debtor or recov] a set(f if-- 7#a7 7,a7 ! transf] is avoidable by ! tru/ee "u section #edd1 #ede1 #edg1 #edh1 #edi1 or #ajda or recov]able by ! tru/ee "u section #eec2 & 7,b7 ! tru/ee does n attempt to avoid ! transf]2 or 7#b7 section #ajdb prohibits ! tru/ee f avoid+ ! transf]4 #ajjc4 ,debtor engag$ 9 bus9ess 7a7 ,9 g5]al ,= ! purposes ( ?is *apt]1 a debtor is engag$ 9 bus9ess if ! debtor is-- 7#a7 self-employ$2 & 7#b7 requir$ to )hold taxes "u section #cdjb ( ! ,int]nal ,rev5ue ,code ( #aihf4 7b7 ,rights ,unless ! c\rt ord]s o!rwise1 a debtor engag$ 9 bus9ess may op]ate ! bus9ess ( ! debtor &1 subject to any limitations on a tru/ee "u sections #cfc7;c7 & #cfd & to su* limitations or conditions z ! c\rt prescribes1 %all h1 exclusive ( ! tru/ee1 ! rights & p[]s ( ! tru/ee "u su* sections4 7c7 ,duties ,a debtor engag$ 9 bus9ess-- 7#a7 %all p]=m ! duties ( ! tru/ee requir$ "u section #gjd7g72 & 7#b7 is n subject to ! provisions ( section #cjh4 #ajjd4 ,possession ( prop]ty ( ! e/ate ,! debtor %all rema9 9 possession ( all prop]ty ( ! e/ate1 unless-- 7#a7 a confirm$ plan or an ord] confirm+ a plan provides o!rwise2 or 7#b7 ! c\rt1 = cause1 ord]s o!rwise4 #ajje4 ,conv]sion or dismissal 7a7 ,conv]sion on reque/ ( debtor ,at any "t1 ! debtor may conv]t a case "u ?is *apt] to a case "u-- 7#a7 *apt] #aa1 if ! debtor is eligible "u section #aji7;e72 or 7#b7 *apt] #ab1 if ! debtor is eligible "u section #aji7;f74 7b7 ,conv]sion or dismissal on reque/ ( o!r p>ties ,aft] notice & a he>+1 ! c\rt1 on its own motion1 or on a motion by a cr$itor1 ! ,unit$ ,/ates tru/ee1 ! tru/ee1 or any o!r p>ty 9 int]e/1 may1 = cause1 dismiss a case "u ?is *apt] or1 ) ! cons5t ( ! debtor1 conv]t a case "u ?is *apt] to a case "u *apt] #aa or #ab1 includ+-- 7#a7 unreasonable delay by ! debtor t is prejudicial to cr$itors2 7#b7 nonpaym5t ( any fees or co/s requir$ "u section #aicj ( title #bh2 7#c7 failure to timely file a plan "u section #ajba1 unless ! debtor is eligible = a dis*>ge )\t a plan "u section #ajca2 7#d7 failure to comm5ce mak+ timely paym5ts requir$ "u section #ajbe if ! debtor files a repaym5t plan2 7#e7 d5ial ( confirmation ( a plan "u section #ajbd & d5ial ( a reque/ = additional "t = fil+ ano!r plan2 7#f7 except z provid$ by section #ajeb7h71 & only on reque/ ( ! ,unit$ ,/ates tru/ee1 failure ( ! debtor 9 a volunt>y case to file1 n lat] ?an #ad days aft] ! date ( ! comm5cem5t ( ! case1 or additional "t z ! c\rt may all[1 ! in=mation requir$ "u section #eba7;a77#a72 & 7#g7 failure to file a repaym5t plan1 if requir$1 by ! deadl9e prescrib$ "u section #ajba7;e74 7c7 ,dismissal 7#a7 ,dismissal = manife/ly improp] use ( ! bankruptcy sy/em 7,a7 ,9 g5]al ,not)/&+ subsection 7b71 aft] notice & a he>+1 ! c\rt1 on its own motion or on a motion by ! ,unit$ ,/ates tru/ee or ! tru/ee1 may dismiss a case on gr\nds t ! grant+ ( relief w\ld be a manife/ly improp] use ( ! bankruptcy sy/em4 7,b7 ,manife/ly improp] use ( ! bankruptcy sy/em ,= ! purpose ( subp>agraph 7,a71 ! failure ( a debtor to pay an am\nt t is great] ?an ! m9imum paym5t obligation "u a repaym5t plan alone does n con/itute a manife/ly improp] use ( ! bankruptcy sy/em4 7#b7 ,dismissal at reque/ ( debtor 7,a7 ,9 g5]al ,at ! reque/ ( ! debtor1 at any "t1 ! c\rt %all dismiss a case "u ?is *apt] if ! case has n be5 conv]t$ "u subsection 7a74 7,b7 ,waiv] un5=ceable ,a waiv] ( ! "r to dismiss a case "u ?is section is un5=ceable4 #ajjf4 ,treatm5t ( c]ta9 contracts & leases ,not)/&+ a provision 9 any contract or unexpir$ lease1 or 9 applicable law1 ) respect to any contract or unexpir$ lease ( ! debtor1 ! contract or lease & any "r or obligation "u ! contract or lease may n be t]m9at$ or modifi$1 & nei!r ! debtor nor any individual liable on su* contract or unexpir$ lease ) ! debtor may be decl>$ 9 default "u ! contract or lease at any "t dur+ or aft] ! case1 solely because ( a provision 9 ! contract or lease t is condition$ on-- 7#a7 ! insolv5cy or f9ancial condition ( ! debtor at any "t be=e ! clos+ ( ! case2 7#b7 ! comm5cem5t ( a case "u ?is title2 7#c7 ! appo9tm5t (1 or tak+ possession by-- 7,a7 a tru/ee 9 a case "u ?is title2 or 7,b7 a cu/odian be=e ! comm5cem5t ( a case "u ?is title2 or 7#d7 ! fil+ ( a plan or ! ex]cise ( any o!r "r "u ?is title4 #ajjg4 ,treatm5t ( r5tal-pur*ase agreem5ts 7a7 ,def9ition ( r5tal-,pur*ase agreem5t ,9 ?is section1 ! t]m r5tal-pur*ase agreem5t means an agreem5t1 irrespective ( =m-- 7#a7 = ! use ( p]sonal prop]ty1 o!r ?an a vehicle1 by ! debtor = p]sonal1 family1 or h\sehold purposes2 7#b7 t is r5ewable ) ea* paym5t2 & 7#c7 t p]mits1 b does n obligate1 ! debtor to become ! own] ( ! prop]ty t is ! subject ( ! agreem5t4 7b7 ,no int]e/ 9 prop]ty ,= ! purpose ( ?is *apt] & not)/&+ applicable nonbankruptcy law1 ! lessor on a r5tal-pur*ase agreem5t does n h an int]e/ 9 ! prop]ty cov]$ by ! r5tal-pur*ase agreem5t4 7c7 ,election ,to reta9 prop]ty ,not)/&+ section #cfe & subject to subsection 7d71 9 a case "u ?is *apt]1 ! debtor may elect to reta9 ! prop]ty cov]$ by a r5tal-pur*ase agreem5t4 7d7 ,claims ( lessor-,sell] ,not)/&+ section #cfe & subject to section #ejb1 if ! debtor elects to reta9 ! prop]ty cov]$ by a r5tal-pur*ase agreem5t1 ! lessor-sell] %all h a claim = ! sum (-- 7#a7 accru$ & unpaid r5t "u ! r5tal-pur*ase agreem5t2 & 7#b7 if ! debtor has elect$ to become own] ( ! prop]ty "u ! r5tal-pur*ase agreem5t1 future r5t & o!r paym5ts due "u ! r5tal-pur*ase agreem5t4 7e7 ,t]m9ation ,no?+ 9 ?is section %all be con/ru$ to prohibit ! debtor f t]m9at+ a r5tal-pur*ase agreem5t4 7f7 ,po/-,dis*>ge ex]cise ( lessor-,sell]'s rights prohibit$ ,any attempt to ex]cise ! rights ( a lessor-sell] "u a r5tal-pur*ase agreem5t or applicable nonbankruptcy law aft] ! issuance ( a dis*>ge "u section #ajbh %all be deem$ to be a violation ( section #ebd7;a74 #ajjh4 ,obta9+ cr$it 7a7 ,def9ition ( cr$it ,9 ?is section1 ! t]m cr$it has ! mean+ giv5 ! t]m 9 section #ajc ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afjb74 7b7 ,obta9+ cr$it 7#a7 ,9 g5]al ,! debtor 9 a case "u ?is *apt] may n obta9 cr$it outside ! ord9>y c\rse ( ! affairs ( ! debtor )\t prior au?orization by ! c\rt4 7#b7 ,c\rt approval ,aft] notice & a he>+1 ! c\rt %all may au?orize ! debtor to obta9 cr$it "u p>agraph 7#a7 or incur debt only if x is 9 ! be/ int]e/s ( ! debtor4 7#c7 ,void+ ( o!r po/-petition cr$it incurr$ ,any cr$it obta9$ or debt incurr$ by a debtor n 9 accordance ) ?is subsection is void4 7#d7 ,cr$it rate limit ,9 no ev5t may ! c\rt au?orize ! debtor to obta9 cr$it ) an annual p]c5tage rate t exce$s ! annual p]c5tage rate describ$ 9 section #ihg7;b7 ( title #aj4 7#e7 ,compliance ) nonbankruptcy law ,cr$it obta9$ by a debtor pursuant to ?is section %all comply ) applicable nonbankruptcy law4 7c7 ,application ( section ,?is section %all apply to cr$it obta9$ by a debtor until ! date on :i* ! case is clos$ "u section #cej4 #ajji4 ,/ay ( action aga9/ codebtor 7a7 ,collection ( debt ,except z provid$ 9 subsections 7b7 & 7c7 ( ?is section1 aft] ! entry ( ! ord] = relief "u ?is *apt]1 a cr$itor may n act or comm5ce or cont9ue any civil action to collect all or any "p ( a consum] debt ( ! debtor f any individual t is liable on ! consum] debt ) ! debtor or t secur$ ! consum] debt1 unless-- 7#a7 ! individual became liable on1 or secur$1 ! consum] debt 9 ! ord9>y c\rse ( bus9ess ( ! individual2 or 7#b7 ! case is clos$1 dismiss$1 or conv]t$ to a case "u *apt] #aa or #ab ( ?is title4 7b7 ,negotiable in/rum5ts ,a cr$itor may pres5t a negotiable in/rum5t1 & may give notice ( di%onor ( su* an in/rum5t4 7c7 ,relief f /ay ,on reque/ ( a p>ty 9 int]e/ & aft] notice & a he>+1 ! c\rt %all grant relief f ! /ay provid$ "u subsection 7a7 ) respect to a cr$itor1 to ! ext5t t-- 7#a7 z betwe5 ! debtor & ! individual protect$ "u subsection 7a71 ! individual receiv$ consid]ation = ! claim held by ! cr$itor2 7#b7 ! plan fil$ by ! debtor does n propose to pay ! claim2 or 7#c7 ! int]e/ ( ! cr$itor w\ld be irrep>ably h>m$ by a cont9uation ( ! /ay4 7d7 ,t]m9ation ( /ay ,on ! date t is #bj days aft] ! date on :i* a p>ty 9 int]e/ files a reque/ "u subsection 7c7 = relief f ! /ay provid$ "u subsection 7a71 ! /ay %all be t]m9at$ ) respect to ! p>ty 9 int]e/1 unless ! debtor or any individual t is liable on ! consum] debt ) ! debtor files & s]ves ^u ! p>ty 9 int]e/ a writt5 objection to ! propos$ relief f ! /ay4 #ajaj4 ,int]pretive pr9ciple ,9 cases 9 "u ?is *apt]1 ! provisions ( ?is title %all be int]pret$ lib]ally 9 favor ( relief = consum] debtors4 ,,ii ,plans #ajba4 ,fil+ ( plans 7a7 ,9 g5]al ,except z provid$ 9 subsection 7c71 ! debtor may file-- 7#a7 a repaym5t plan t solely provides = ! treatm5t ( unsecur$ claims2 7#b7 a resid5ce plan t solely provides = ! treatm5t ( claims secur$ by ! debtor's pr9cipal resid5ce2 or 7#c7 a prop]ty plan t solely provides = ! treatm5t ( claims secur$ by prop]ty t is n ! debtor's pr9cipal resid5ce4 7b7 ,multiple plans 7#a7 ,9 g5]al 7,a7 ,m ?an #a plan ,subject to subp>agraph 7,b71 ! debtor may file #a or m plans4 7,b7 ,prohibition ,if ! c\rt confirms a repaym5t plan ( a debtor1 ! debtor may n file an additional repaym5t plan 9 a case "u ?is *apt]4 7#b7 ,sep>ate treatm5t ,except z provid$ 9 section #ajbc7;a71 ea* plan %all be treat$ sep>ately = purposes ( confirmation1 dis*>ge1 & revocation ( an ord] ( confirmation or dis*>ge4 7c7 ,involunt>y cases ,9 a case comm5c$ "u section #cjc-- 7#a7 a petition+ cr$itor may file only a repaym5t plan "u :i* ! m9imum paym5t obligation ( ! debtor %all be calculat$ to exclude any am\nts requir$ by clause 7ii7 or 7iii7 ( section #aja7ed77;,b72 7#b7 ! debtor may file a repaym5t plan1 :i* %all sup]s$e any repaym5t plan fil$ "u p>agraph 7#a72 & 7#c7 if m ?an #a petition+ cr$itor files a repaym5t plan "u p>agraph 7#a7 & ! debtor does n file a repaym5t plan "u p>agraph 7#b71 ! c\rt %all confirm ! repaym5t plan t is 9 ! be/ int]e/ ( cr$itors4 7d7 ,dis*>ge )\t a plan ,a debtor ) a m9imum paym5t obligation ( #j %all receive a dis*>ge "u section #ajca )\t fil+ a plan if ! debtor is o!rwise eligible to receive a dis*>ge "u ?is *apt]4 7e7 ,fil+ deadl9e ,! debtor %all promptly file a plan )9 su* p]iod ( "t z p]mitt$ 9 a rule prescrib$ ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates1 except t ! c\rt may ext5d su* "t p]iod = cause4 #ajbb4 ,cont5ts ( plans 7a7 ,repaym5t plans 7#a7 ,9 g5]al ,a repaym5t plan-- 7,a7 %all provide t-- 7i7 ! debtor %all satisfy ! m9imum paym5t obligation by-- 7,i7 mak+ def]r$ ca% paym5ts2 or 7,,ii7 ^u reque/ ( ! tru/ee1 & subject to p>agraph 7#b71 t5d]+ to ! tru/ee all prop]ty ( ! e/ate t is n exempt "u section #ebb n lat] ?an #cj days aft] ! date on :i* ! c\rt confirms ! plan1 unless ! c\rt ord]s a lat] date2 7ii7 any paym5ts "u ! repaym5t plan occur dur+ a p]iod n to exce$ #cf mon?s f ! date on :i* ! fir/ paym5t is due "u a repaym5t plan "u section #ajbe7;b77#a72 & 7iii7 any paym5t "u a repaym5t plan1 o!r ?an ! f9al paym5t1 %all be 9 an am\nt t is n less ?an ! paym5ts requir$ = #cf equal mon?ly in/allm5ts1 unless ! c\rt ord]s o!rwise = cause1 :i* may include ! irregul> or seasonal nature ( ! debtor's income2 & 7,b7 may-- 7i7 pursuant to section #cfe1 provide = ! assumption1 rejection1 or assignm5t ( any executory contract or unexpir$ lease ( ! debtor t has n previ\sly be5 assum$ or reject$ "u t section2 7ii7 provide = ! paym5t 9 full1 9 def]r$ ca% paym5ts1 ov] ! duration ( ! repaym5t plan1 ( any claim bas$ on a debt ( a k9d describ$ 9 section #ebc if ! plan also provides = ! paym5t 9 full1 9 def]r$ ca% paym5ts1 ( all claims entitl$ to priority "u section #ejg1 o!r ?an ! claim ( a hold] t is bas$ on a debt describ$ 9 section #ejg t agrees to a diff]5t treatm5t ( t claim2 7iii7 provide = ! ex]cise ( any o!r p[] ( ! debtor or ! tru/ee "u ?is title2 7iv7 provide = an ord] g>ni%+ ! e>n+s ( ! debtor or ord]+ ! au?orization ( electronic fund transf]s f a deposit acc\nt ( ! debtor dur+ ! duration ( ! repaym5t plan2 & 7v7 include any o!r appropriate provision n inconsi/5t ) ?is title4 7#b7 ,reque/ = t5d] by tru/ee 7,a7 ,9 g5]al ,! tru/ee %all reque/ ! t5d] ( prop]ty ( ! e/ate t is n exempt "u section #ebb only if ! liquidation ( su* prop]ty w\ld be reasonably likely to produce a mean+ful di/ribution to cr$itors4 7,b7 ,in/allm5t r$emption z an alt]native to t5d] ,9 lieu ( t5d]+ nonexempt prop]ty ( ! e/ate "u p>agraph 7#a77;,a77i77,,ii71 ! debtor may elect to pay to ! tru/ee "u ! repaym5t plan an am\nt equal to ! value ( ! int]e/ ( ! debtor 9 su* prop]ty t is 9 excess ( ! sum (-- 7i7 any all[$ secur$ claims t are secur$ by t prop]ty2 & 7ii7 any exemption applicable "u section #ebb7;b74 7b7 ,resid5ce plans ,a resid5ce plan may-- 7#a7 modify or leave unaffect$ ! rights ( a hold] ( a claim secur$ by ! debtor's pr9cipal resid5ce2 7#b7 provide = ! waiv+ or cur+ )9 a reasonable "t ( any default on any claim secur$ by ! debtor's pr9cipal resid5ce 9 accordance ) subsection 7d72 7#c7 provide = paym5t ( any all[$ secur$ claim secur$ by ! debtor's pr9cipal resid5ce2 7#d7 au?orize ! debtor to sell any prop]ty t is ! debtor's pr9cipal resid5ce free & cle> ( any li5s n e>li] ?an #fj days & n lat] ?an #ahj days aft] ! date ( confirmation if ! plan provides t-- 7,a7 ! debtor %all t5d] ! prop]ty t is ! debtor's pr9cipal resid5ce to ! hold] ( ! fir/-priority li51 subject to a li5 secur$ by any all[$ secur$ claim ( a junior li5hold]2 7,b7 ^u acceptance ( ! t5d] describ$ 9 subp>agraph 7,a71 ! debtor %all transf] ! debtor's pr9cipal resid5ce to ! hold] ( ! fir/-priority li5 n lat] ?an #ad days aft] acceptance ( ! t5d]2 & 7,c7 if !re is n a timely acceptance ( ! t5d] ( ! pr9cipal resid5ce-- 7i7 a sale free & cle> ( li5s ( ! debtor's pr9cipal resid5ce %all be conduct$ 9 a comm]cially reasonable mann]2 & 7ii7 aft] d$uct+ ! co/s ( ! sale1 any li5s aga9/ ! debtor's pr9cipal resid5ce %all atta* to ! proce$s ( ! sale2 7#e7 provide = an ord] g>ni%+ ! e>n+s ( ! debtor or au?oriz+ electronic fund transf]s f a deposit acc\nt ( ! debtor dur+ ! duration ( ! resid5ce plan1 b only to ! ext5t necess>y to cure any default on a claim secur$ by ! debtor's pr9cipal resid5ce 9 accordance ) subsection 7d72 & 7#f7 include any o!r appropriate provision n inconsi/5t ) ?is title4 7c7 ,prop]ty plans ,a prop]ty plan may-- 7#a7 modify or leave unaffect$ ! rights ( hold]s ( claims secur$ by ! prop]ty1 o!r ?an prop]ty t is ! debtor's pr9cipal resid5ce2 7#b7 provide = ! cur+ or waiv+ )9 a reasonable "t ( any default on any claim secur$ by ! prop]ty ( ! debtor t is n ! debtor's pr9cipal resid5ce 9 accordance ) subsection 7d77#b72 7#c7 provide = paym5t ( any all[$ secur$ claim secur$ by ! prop]ty ( ! debtor t is n ! debtor's pr9cipal resid5ce2 7#d7 subject to section #ebb7;e71 treat z ! hold] ( a secur$ claim-- 7,a7 ! sell] or assignee ( an in/allm5t sales contract = p]sonal prop]ty or ! equival5t ( su* a contract2 7,b7 ! lessor ( a lease ( p]sonal prop]ty1 ! t]m ( :i* ext5ds beyond ! rema9+ economic life ( ! prop]ty2 or 7,c7 a p>ty to an agreem5t1 irrespective ( =m1 t is a security int]e/ 9 p]sonal prop]ty "u applicable nonbankruptcy law2 7#e7 provide = an ord] g>ni%+ ! e>n+s ( ! debtor or ord]+ ! au?orization ( electronic fund transf]s f a deposit acc\nt ( ! debtor dur+ ! duration ( ! prop]ty plan2 & 7#f7 include any o!r appropriate provision n inconsi/5t ) ?is title4 7d7 ,cure ( default 7#a7 ,pr9cipal resid5ce ,not)/&+ any applicable nonbankruptcy law1 a default ) respect to1 or t gives rise to1 a li5 on ! prop]ty t is ! debtor's pr9cipal resid5ce may be cur$ by a resid5ce plan "u subsection 7a77#b77;,b7 until ! debtor ceases to h rights1 includ+ a "r ( r$emption1 9 ! prop]ty4 7#b7 ,am\nt to cure 7,a7 ,9 g5]al ,not)/&+ section #ejf7;b71 if a repaym5t plan1 a resid5ce plan1 or a prop]ty plan provides = ! cur+ ( a default1 ! am\nt necess>y to cure ! default %all be det]m9$ 9 accordance ) ! und]ly+ agreem5t & applicable nonbankruptcy law4 7,b7 ,prohibition ,! cure ( a default "u subp>agraph 7,a7 may n require-- 7i7 int]e/ on arre>ages2 or 7ii7 ! paym5t ( any p5alty rate1 late fee1 or paym5t requir$ "u a p5alty provision or a simil> provision4 #ajbc4 ,plan confirmation he>+ 7a7 ,9 g5]al ,if ! tru/ee1 ! ,unit$ ,/ates tru/ee1 or a cr$itor objects to confirmation ( a plan fil$ "u section #ajba1 ! c\rt %all hold a he>+ on confirmation ( ! plan )9 su* p]iod ( "t z p]mitt$ 9 a rule prescrib$ ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates1 except t ! c\rt may ext5d su* "t p]iod = cause4 7b7 ,confirmation )\t he>+ ,if no objection is rais$1 ! c\rt %all1 ^u notice1 promptly confirm a plan t complies ) section #ajbd7;a7 )\t a he>+4 7c7 ,multiple plans ,if ! debtor files m ?an #a plan "u section #ajba1 ! c\rt %all hold a s+le he>+ on confirmation on all ( ! plans1 unless-- 7#a7 ! c\rt ord]s o!rwise = cause2 or 7#b7 no he>+ is requir$ "u subsection 7b74 #ajbd4 ,confirmation ( plans 7a7 ,plan requirem5ts ,subject to subsections 7b7 ?r\gh 7d71 ! c\rt %all confirm a plan "u ?is section if all ( ! foll[+ requirem5ts are met3 7#a7 ,! plan complies ) ! applicable provisions ( ?is title1 o!r ?an section #ajbb7;a77#a74 7#b7 ,any fee1 *>ge1 or am\nt t is requir$ to be paid be=e confirmation "u *apt] #abc ( title #bh or ! plan has be5 paid4 7#c7 ,! plan has n be5 propos$-- 7,a7 9 bad fai?1 :i* may n be demon/rat$ solely by ! am\nt ( paym5ts propos$ by ! debtor "u a repaym5t plan2 or 7,b7 by any means =bidd5 by law4 7#d7 ,! debtor is likely to be able to make all paym5ts "u ! plan & to comply ) ! plan4 7#e7 ,9 ! case ( a debtor t is requir$ by a judicial or adm9i/rative ord] or by a /atute to pay a dome/ic support obligation1 ! debtor has paid all am\nts requir$ by su* dome/ic support obligation t fir/ became payable aft] ! date ( ! fil+ ( ! petition4 7#f7 ,any comp5sation paid "u ! plan to ! attorney ( ! debtor is reasonable & satisfies ! requirem5ts ( section #cbi7;c74 7b7 ,objection to repaym5t plan ,if ! tru/ee or ! hold] ( an all[$ unsecur$ claim objects to a repaym5t plan t complies ) subsection 7a71 ! c\rt %all confirm ! repaym5t plan only if-- 7#a7 ! plan satisfies ! requirem5ts ( section #ajbb7;a77#a72 or 7#b7 ! c\rt f9ds t1 because ( circum/ances t ! debtor _c reasonably avoid1 ! debtor is ju/ly excus$ f satisfy+ all or "p ( ! requirem5ts ( section #ajbb7;a77#a74 7c7 ,objection to resid5ce plan ,if ! hold] ( an all[$ secur$ claim secur$ by ! debtor's pr9cipal resid5ce objects to ! confirmation ( a resid5ce plan1 ! c\rt %all confirm ! resid5ce plan only if1 = any su* all[$ secur$ claim ( :i* ! hold] has object$ to ! confirmation1 ! resid5ce plan provides t-- 7#a7 ! hold] reta9s ! li5 secur+ ! claim2 7#b7 ! value1 z ( ! effective date ( ! resid5ce plan1 ( ! paym5ts to be di/ribut$ "u ! resid5ce plan on acc\nt ( ! claim is n less ?an ! all[$ am\nt ( ! secur$ claim2 7#c7 paym5ts on all claims "u ! resid5ce plan are 9 equal mon?ly am\nts1 o!r ?an paym5ts to cure a default "u section #ajbb7;a77#b77;,b72 7#d7 except z provid$ 9 p>agraph 7#e71 default "u ! resid5ce plan con/itutes default "u any security agreem5t t creates a security int]e/ 9 ! debtor's pr9cipal resid5ce2 7#e7 ! debtor w be 9 default = a late paym5t "u ! plan & any security agreem5t t creates a security int]e/ 9 ! debtor's pr9cipal resid5ce only if ! debtor is m ?an #abj-;days del9qu5t on any paym5t "u ! resid5ce plan2 7#f7 ! hold]s ( any judicial li5 or /atutory li5 creat$ be=e ! ord] = relief _c ex]cise any rem$ies "u applicable nonbankruptcy law1 unless ! debtor is #abj-;days del9qu5t on any paym5t "u ! resid5ce plan2 7#g7 ! la/ paym5t on acc\nt ( ! secur$ claim is due on a date t is n lat] ?an ! lat] (-- 7,a7 #ae ye>s aft] ! date ( confirmation ( ! resid5ce plan2 or 7,b7 #e ye>s aft] ! orig9al maturity date ( ! loan relat+ to ! claim2 & 7#h7 ! debt secur$ by ! debtor's pr9cipal resid5ce t is dealt ) by ! resid5ce plan has n be5 previ\sly provid$ = by a resid5ce plan t 0-- 7,a7 confirm$ on a date t is n m ?an #f ye>s be=e ! date ( ! fil+ ( ! petition2 & 7,b7 complet$4 7d7 ,objection to prop]ty plan ,if ! hold] ( an all[$ secur$ claim t is secur$ by prop]ty t is n ! debtor's pr9cipal resid5ce objects to ! confirmation ( a prop]ty plan1 ! c\rt %all confirm ! prop]ty plan only if-- 7#a7 ! prop]ty plan provides t-- 7,a7 ! hold] ( ! claim reta9s ! li5 secur+ ! all[$ secur$ claim2 7,b7 ! value1 z ( ! effective date ( ! prop]ty plan1 ( ! prop]ty to be di/ribut$ "u ! prop]ty plan on acc\nt ( ! claim is n less ?an ! am\nt ( ! all[$ secur$ claim1 unless-- 7i7 ! prop]ty secur+ ! claim is a motor vehicle t 0 acquir$ by ! debtor )9 ! #ij-;day p]iod imm$iately prec$+ ! date ( ! fil+ ( ! petition2 & 7ii7 ! li5 secur+ ! claim is a pur*ase-money security int]e/2 7,c7 ! value1 z ( ! effective date ( ! prop]ty plan1 ( prop]ty to be di/ribut$ on acc\nt ( a claim describ$ 9 clauses 7i7 ?r\gh 7iii7 ( subp>agraph 7,b7 is n less ?an ! all[$ am\nt ( ! claim1 z calculat$ "u section #ejb2 7,d7 paym5ts on all claims "u ! prop]ty plan are 9 equal mon?ly am\nts2 7,e7 except z provid$ 9 subp>agraph 7,f71 default "u ! prop]ty plan con/itutes default "u any security agreem5t t creates a security int]e/ 9 ! prop]ty subject to ! prop]ty plan2 7,f7 ! debtor is 9 default = a late paym5t "u ! plan & any security agreem5t t creates a security int]e/ 9 ! prop]ty subject to ! prop]ty plan only if ! debtor is n less ?an #ij days del9qu5t on paym5t to ! hold] ( ! security int]e/ "u ! prop]ty plan2 7,g7 ! prop]ty plan provides t ! hold] ( a judicial li5 or /atutory li5 creat$ be=e ! date ( ! ord] = relief _c ex]cise any rem$ies relat+ to ! judicial li5 or /atutory li5 "u applicable nonbankruptcy law1 unless ! debtor is n less ?an #ij days del9qu5t on any paym5t to ! li5hold] "u ! prop]ty plan2 7,h7 ! la/ paym5t due "u ! prop]ty plan is due on a date t is n lat] ?an ! lat] (-- 7i7 #e ye>s aft] ! date ( confirmation ( ! prop]ty plan2 or 7ii7 ! orig9al maturity date ( loan2 & 7,i7 ! debt secur$ by ! prop]ty t is dealt ) by ! prop]ty plan has n be5 previ\sly provid$ = by a prop]ty plan t 0-- 7i7 confirm$ on a date t is n m ?an #f ye>s be=e ! date ( ! fil+ ( ! petition2 & 7ii7 complet$2 7#b7 if ! prop]ty secur+ ! claim ( ! object+ hold] is a motor vehicle-- 7,a7 ! debtor has provid$ ! hold] ( any security int]e/ 9 ! motor vehicle ) reasonable evid5ce ( ! ma9t5ance ( any requir$ insurance cov]age on ! motor vehicle secur+ ! claim suffici5t to protect ! int]e/ ( ! hold] 9 ! motor vehicle2 & 7,b7 ! motor vehicle is-- 7i7 us$ regul>ly z a means ( transportation = ! debtor or a dep5d5t ( ! debtor2 or 7ii7 us$ by ! debtor or a dep5d5t ( ! debtor 9 bus9ess2 & 7#c7 if ! prop]ty secur+ ! claim ( ! object+ hold] is n a motor vehicle-- 7,a7 ! prop]ty is reasonably necess>y = ! support or ma9t5ance ( ! debtor or a dep5d5t ( ! debtor2 or 7,b7 ! prop]ty is reasonably necess>y = ! cont9uation1 pres]vation1 & op]ation ( a bus9ess own$ or op]at$ by ! debtor or a dep5d5t ( ! debtor4 7e7 ,impairm5t 7#a7 ,9 g5]al ,! hold] ( an all[$ secur$ claim t is n impair$ "u a plan may n object to a resid5ce plan "u subsection 7c7 or a prop]ty plan "u subsection 7d74 7#b7 ,det]m9ation ,= ! purpose ( ?is subsection1 impairm5t %all be det]m9$ "u section #aabd4 7f7 ,d5ial ( motion 7#a7 ,9 g5]al ,a d5ial ( a motion to confirm a plan %all con/itute a f9al1 appealable ord]4 7#b7 ,plan modification ,no?+ 9 ?is section %all be con/ru$ to prev5t a debtor f propos+ to modify a plan t has be5 d5i$ confirmation4 7g7 ,multiple plans ,if ! debtor has fil$ multiple plans1 any p>ty 9 int]e/ may reque/ t ! confirmation ( any plan be /ay$ until ! date on :i* ! c\rt confirms or d5ies any o!r plan4 7h7 ,int]e/ rate ,! rate ( int]e/ t %all be us$ to calculate ! value ( prop]ty di/ribut$ "u a plan1 z ( ! effective date ( ! plan1 %all be-- 7#a7 = ! purpose ( subsection 7c77#b7-- 7,a7 9 ! case ( a fir/ priority li51 ! curr5t av]age prime (f] rate 7z def9$ 9 section #ajbf4ce7;a77#b7 ( title #ab1 ,code ( ,f$]al ,regulations7 = a loan ( ! mo/ simil> duration & rate type2 & 7,b7 9 ! case ( any o!r li51 a rate t is #cjj basis po9ts great] ?an ! curr5t av]age prime (f] rate 7z def9$ 9 section #ajbf4ce7;a77#b7 ( title #ab1 ,code ( ,f$]al ,regulations7 = a loan ( ! mo/ simil> duration & rate type2 & 7#b7 = ! purpose ( subsection 7d77#b71 ! curr5t av]age prime (f] rate = motor vehicle f9anc+ ( ! mo/ simil> duration & rate type1 z det]m9$ by ! ,bureau ( ,consum] ,f9ancial ,protection "u section #bja7;e7 ( ! ,consum] ,bankruptcy ,re=m ,act ( #bjbj4 #ajbe4 ,paym5ts "u a repaym5t plan 7a7 ,duties ( tru/ee ,! tru/ee %all-- 7#a7 collect & be acc\ntable = any future income ( ! debtor t is designat$ = a paym5t to a cr$itor "u a repaym5t plan2 7#b7 accept & be acc\ntable = any prop]ty ( ! e/ate t5d]$ by ! debtor pursuant to a repaym5t plan "u section #ajbb7;a77#a77;,a77i77,,ii72 & 7#c7 r$uce to money & be acc\ntable = any prop]ty ( ! e/ate t5d]$ by ! debtor "u ! repaym5t plan z exp$iti\sly z is compatible ) ! be/ int]e/s ( ! p>ties 9 int]e/4 7b7 ,paym5ts 7#a7 ,9 g5]al ,except z provid$ by section #ajbg & unless ! c\rt ord]s o!rwise1 n lat] ?an #cj days aft] ! date ( ! ord] = relief "u ?is *apt]1 ! debtor %all-- 7,a7 comm5ce mak+ paym5ts 9 ! am\nt propos$ to be made "u a repaym5t plan2 & 7,b7 t5d] to ! tru/ee any relevant prop]ty ( ! e/ate reque/$ by ! tru/ee "u section #ajbb7;a77#a77;,a77i77,,ii71 unless ! debtor has elect$ "u section #ajbb7;a77#b77;,b7 to pay ! tru/ee = ! value ( su* prop]ty "u a repaym5t plan4 7#b7 ,action by tru/ee 7,a7 ,ret5tion ( paym5ts p5d+ plan confirmation ,! tru/ee %all reta9 a paym5t made "u p>agraph 7#a7 until ! date on :i* ! repaym5t plan is confirm$ or d5i$ "u section #ajbd4 7,b7 ,di/ribution ( paym5ts ,if a repaym5t plan is confirm$ "u section #ajbd1 ! tru/ee %all di/ribute any paym5ts reta9$ "u subp>agraph 7,a7 9 accordance ) ! repaym5t plan z soon z is practicable4 7,c7 ,return ( paym5ts ,! tru/ee1 aft] d$uct+ ! sum ( ea* all[$ adm9i/rative exp5se "u section #ejc7;b71 %all return to ! debtor any paym5ts reta9$ "u p>agraph 7#a7 if ! case is dismiss$ or conv]t$4 7#c7 ,modification ,subject to section #cfc1 p5d+ confirmation ( a repaym5t plan1 ! c\rt1 aft] notice & a he>+1 may = cause modify1 increase1 or r$uce ! paym5ts requir$ "u ?is subsection4 7c7 ,paym5ts to cr$itors 7#a7 ,9 g5]al ,except z o!rwise provid$ 9 ! repaym5t plan or 9 ! ord] confirm+ ! repaym5t plan1 aft] confirmation ( ! plan1 ! tru/ee %all make paym5ts to cr$itors "u ! repaym5t plan4 7#b7 ,prohibition ,except z provid$ 9 subsection 7d71 ! tru/ee may n make a paym5t describ$ 9 section #ajbb7;a77#a77;,b77ii7 "u a repaym5t plan until ! date on :i* ! tru/ee makes e paym5t 9 accordance ) any entitlem5t ( a cr$itor1 includ+ a cr$itor provid$ = "u section #ajbb7;a77#a77;,b77ii71 to paym5t "u ! m9imum paym5t obligation4 7d7 ,priority ( paym5ts 7#a7 ,9 g5]al ,subject to p>agraphs 7#b7 & 7#c71 all paym5ts made by ! tru/ee "u ?is section %all be disburs$ accord+ to ! ord] ( priority 9 section #gbf4 7#b7 ,adm9i/rative exp5ses & fees ,be=e or at ! "t ( ea* paym5t to a cr$itor "u a repaym5t plan1 ! tru/ee %all pay any unpaid claim ( a k9d specifi$ 9 section #ejg7;a77#b74 7#c7 ,exceptions ,9 disburs+ paym5ts "u ?is section1 ! tru/ee %all1 at ! "t ( ea* disbursem5t1 pay-- 7,a7 any unpaid claim ( ! k9d describ$ 9 section #ejg7;a77#b72 & 7,b7 if a /&+ tru/ee appo9t$ "u section #ehf7;b7 ( title #bh is s]v+ 9 ! case1 ! p]c5tage fee fix$ = ! /&+ tru/ee "u section #ehf7;e7 ( title #bh4 7#d7 ,prop]ty recov]$ 9 avoidance actions ,subject to any exemption all[$ "u section #ebb1 ! tru/ee %all disburse any prop]ty ! tru/ee recov]s "u section #eej 9 accordance ) ?is subsection4 7e7 ,en=cem5t ( obligations ( debtor 7#a7 ,9 g5]al ,subject to p>agraph 7#b71 ! obligations ( a debtor "u a repaym5t plan may be en=c$ solely by ! tru/ee4 7#b7 ,exception ,! hold] ( a claim provid$ = "u section #ajbb7;a77#a77;,b77ii7 may en=ce ! debt t is ! basis = ! claim 9 accordance ) section #ajbh7;b74 7#c7 #ij-;day del9qu5cy requirem5t ,! tru/ee may n comm5ce any action to en=ce an obligation ( ! debtor "u a repaym5t plan bas$ on a del9qu5t paym5t until aft] ! date on :i* ! debtor has be5 del9qu5t on ! paym5t = an #ij-;day p]iod4 7#d7 ,plan en=ceable by tru/ee z a simple contract ,subject to sections #cfb & #ajbi & p>agraph 7#g71 ! tru/ee may en=ce an obligation ( ! debtor "u a repaym5t plan only z a simple contract "u applicable nonbankruptcy law4 7#e7 ,application ( nonbankruptcy law ,except z provid$ 9 section #ajbi1 en=cem5t ( ! obligations ( a debtor "u a repaym5t plan %all be subject to applicable nonbankruptcy law1 includ+ laws relat+ to ! g>ni%m5t ( ! wages ( ! debtor4 7#f7 ,ineffici5t en=cem5t prohibit$ ,! tru/ee may n en=ce an obligation ( ! debtor "u a repaym5t plan if ! reasonably anticipat$ co/s ( ! en=cem5t w\ld exce$ ! reasonably anticipat$ recov]y to cr$itors aft] d$uct+ ! fee & exp5ses ( ! tru/ee4 7#g7 ,/atute ( limitations = tru/ee en=cem5t ,an action by ! tru/ee to en=ce an obligation ( ! debtor "u a repaym5t plan may n be comm5d$ on a date t is m ?an #b ye>s aft] ! e>lie/ date on :i* ! tru/ee may br+ an action "u p>agraph 7#c74 7#h7 ,tru/ee's rights nonassignable ,any assignm5t1 factor+1 or transf]r+ ( rights or am\nts a debtor owes to a tru/ee "u a repaym5t plan1 or ( rights or au?ority to collect any su* am\nts1 is void4 #ajbf4 ,paym5ts "u a resid5ce plan or prop]ty plan 7a7 ,9 g5]al ,paym5ts "u a resid5ce plan or a prop]ty plan %all be made by ! debtor 9 accordance ) ! plan4 7b7 ,cure ( default 7#a7 ,9 g5]al ,if a resid5ce plan or prop]ty plan proposes to cure a default on a claim secur$ by prop]ty ( ! debtor1 ! debtor may1 ^u completion ( ! cure paym5ts due "u ! plan1 c]tify to ! hold] ( su* claim us+ a =m prescrib$ by ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates1 ) notice giv5 to ! c\rt1 t ! default has be5 cur$4 7#b7 ,presumptive evid5ce ,a c]tification ( a debtor ( cure ( a default by ! debtor "u p>agraph 7#a7 %all con/itute presumptive evid5ce t ! default has 9 fact be5 cur$4 #ajbg4 ,protection ( lessors & pur*ase money l5d]s 7a7 ,lease paym5ts ,! debtor %all timely make any paym5ts s*$ul$ 9 a lease ( p]sonal prop]ty directly to ! lessor = ! portion ( ! obligation t becomes due aft] ! date ( ! ord] = relief "u ?is *apt]1 unless-- 7#a7 ! c\rt ord]s o!rwise2 7#b7 ! debtor rejects a lease ( p]sonal prop]ty "u section #cfe7;a72 or 7#c7 ! debtor assumes a lease ( p]sonal prop]ty "u section #cfe7p77#a77;,b74 7b7 ,insurance cov]age ,n lat] ?an #fj days aft] ! date ( ! ord] = relief "u ?is *apt]1 a debtor :o has propos$ a plan t reta9s possession ( p]sonal prop]ty subject to a lease a pur*ase money security int]e/ %all-- 7#a7 provide ! lessor or hold] ( ! claim reasonable evid5ce ( ! ma9t5ance ( any insurance cov]age requir$ "u ! lease or pur*ase money security agreem5t ) respect to ! use or own]%ip ( ! prop]ty2 & 7#b7 cont9ue to provide ! reasonable evid5ce requir$ "u p>agraph 7#a7 = z long z ! debtor reta9s possession ( ! prop]ty be=e ! date ( confirmation ( a plan address+ ! prop]ty4 #ajbh4 ,effect ( confirmation 7a7 ,b9d+ effect ,! provisions ( a confirm$ plan b9d ! debtor & ea* cr$itor ( a claim = :i* ! plan provides1 reg>dless ( :e!r ! cr$itor has object$ to ! plan4 7b7 ,repaym5t plan injunction ,confirmation ( a repaym5t plan %all op]ate z an injunction aga9/ ! comm5cem5t or cont9uation ( an action1 ! employm5t ( process1 or an act to collect1 recov]1 or (fset any debt except$ f dis*>ge "u section #ebc7;a7 & treat$ "u section #ajbb7;a77#a77;,b77ii7 until-- 7#a7 ! date on :i* ! debtor completes all paym5ts due "u ! plan2 or 7#b7 ! debtor is n less ?an #ij days del9qu5t on a paym5t requir$ "u a repaym5t plan4 7c7 ,resid5ce plan injunction ,except z provid$ 9 subsection 7e71 confirmation ( a resid5ce plan %all op]ate z an injunction aga9/ ! comm5cem5t or cont9uation ( an action1 ! employm5t ( process1 or an act1 to collect1 recov]1 or (fset any debt treat$ "u section #ajbb7;b77#b7 or prop]ty secur+ su* debt z long z ! debtor is n m ?an #abj days del9qu5t on a paym5t requir$ "u a resid5ce plan4 7d7 ,prop]ty plan injunction ,except z provid$ 9 subsection 7e71 confirmation ( a prop]ty plan %all op]ate z an injunction aga9/ ! comm5cem5t or cont9uation ( an action1 ! employm5t ( process1 or an act1 to collect1 recov]1 or (fset any debt treat$ "u section #ajbb7;c77#b7 or prop]ty secur+ su* debt z long z ! debtor is n m ?an #ij days del9qu5t on a paym5t requir$ "u a prop]ty plan4 7e7 ,reque/ = relief f injunction ,a p>ty 9 int]e/ may reque/ f ! c\rt relief f ! op]ation ( an injunction "u subsection 7c7 or 7d74 7f7 ,ve/+ ( prop]ty ,except z o!rwise provid$ 9 a plan or ! ord] confirm+ ! plan1 ! confirmation ( a plan ve/s all ( ! prop]ty ( ! e/ate 9 ! debtor4 7g7 ,free & cle> ,except z o!rwise provid$ 9 a plan or 9 ! ord] confirm+ ! plan1 ! prop]ty ve/+ 9 ! debtor "u subsection 7f7 is free & cle> ( any claim or int]e/ ( any cr$itor hold+ a claim provid$ = by ! plan4 7h7 ,secur$ claims ,except z provid$ by section #ajca1 ! confirmation ( a repaym5t plan leaves unalt]$ ! rights ( ! hold] ( a secur$ claim t has n be5 avoid$ "u ?is title4 7i7 ,li5 creat$ ,to secure repaym5t plan obligation 7#a7 ,9 g5]al ,! confirmation ( a repaym5t plan creates a li5 9 favor ( ! tru/ee 9 ! am\nt ( ! m9imum paym5t obligation on any non-exempt prop]ty ( ! e/ate reta9$ by ! debtor pursuant to section #ajbb7;a77#a77;,a77i77,,ii7 to secure ! m9imum paym5t obligation4 7#b7 ,priority ( li5 ,)\t reg>d to ! k ( ! tru/ee or any cr$itor1 a li5 creat$ "u p>agraph 7#a7 %all h ! same /atus1 priority1 rights1 & p[]s1 ) respect to ! prop]ty reta9$ by ! debtor to secure ! obligation1 z-- 7,a7 a cr$itor1 reg>dless ( :e!r su* a cr$itor exi/s1 t ext5ds cr$it to ! debtor at ! "t ( ! comm5cem5t ( ! case & obta9s1 at su* "t1 & ) respect to su* cr$it1 a judicial li5 on any su* non-exempt prop]ty t is p]sonal prop]ty2 7,b7 a bona fide pur*as] ( any su* real prop]ty1 o!r ?an fixtures1 f ! debtor aga9/ :om applicable law p]mits su* transf] to be p]fect$ & t obta9s ! /atus ( a bona fide pur*as]2 & has p]fect$ su* transf] at ! "t ( ! comm5cem5t ( ! case1 :e!r or n any su* pur*as] exi/s2 7,c7 ! hold] ( a p]fect$ security int]e/ 9 any su* p]sonal prop]ty ( ! debtor aga9/ :i* applicable law p]mits su* security int]e/ to be p]fect$ z ( ! date ( ! confirmation ( ! repaym5t plan1 :e!r or n su* a hold] exi/s2 or 7,d7 ! hold] ( a p]fect$ g>ni%m5t li5 aga9/ ! wages ( ! debtor1 :e!r or n su* a hold] exi/s4 7#c7 ,effect ( li5 ,a li5 creat$ "u p>agraph 7#a7-- 7,a7 may n be consid]$ a g>ni%m5t = ! purposes ( section #cjd7;a7 ( ! ,consum] ,cr$it ,protection ,act 7#ae ,u4,s4,c4 #afgd7;a772 & 7,b7 %all be subord9ate to any li5 = paym5t ( a dome/ic support obligation4 7#d7 ,record ( li5 ,! tru/ee %all record a li5 creat$ "u p>agraph 7#a7 9 ! bankruptcy li5 fil+ sy/em ma9ta9$ by ! ,executive ,(fice ( ! ,unit$ ,/ates ,tru/ee "u section #eja ( ! ,consum] ,bankruptcy ,re=m ,act ( #bjbj4 7j7 ,effect ( resid5ce or prop]ty plan ,except to ! ext5t inconsi/5t ) ! plan or ! provisions ( ?is title1 confirmation ( a resid5ce plan or a prop]ty plan leaves unalt]$ ! rights ( ! p>ties "u any agreem5t t is ! basis = a claim secur$ by prop]ty provid$ = by ! plan4 7k7 ,c]ta9 contract provisions void 7#a7 ,ipso facto clauses void ,! confirmation ( a plan voids any provision 9 a contract provid$ = by ! plan t is condition$ on-- 7,a7 ! insolv5cy or f9ancial condition ( ! debtor at any "t be=e ! clos+ ( a case2 7,b7 ! comm5cem5t ( a case "u ?is title2 or 7,c7 ! appo9tm5t (1 or tak+ ( possession by1 a tru/ee 9 a case "u ?is title or a cu/odian be=e a case is comm5c$ "u ?is title4 7#b7 ,arbitration & jo9t-action provisions void ,not)/&+ any contr>y provision ( nonbankruptcy law1 ! confirmation ( a plan voids any pre-dispute arbitration agreem5t or pre-dispute jo9t-action lawsuit waiv] relat+ to prop]ty subject to ! plan4 7l7 ,jurisdiction ,to resolve disputes ,^u confirmation ( a plan1 ! c\rt %all reta9 jurisdiction to resolve any disputes aris+ "u1 or relat+ to1 ! plan & may ord] any appropriate relief 9 su* a dispute1 includ+ ! susp5sion ( ! paym5t obligations ( ! debtor "u ! plan4 #ajbi4 ,modification ( repaym5t plan 7a7 ,9 g5]al ,aft] notice & a he>+1 ! c\rt may1 = cause1 modify an obligation ( ! debtor "u a repaym5t plan bas$ on a mat]ial *ange 9 ! f9ancial condition ( ! debtor t-- 7#a7 occurs aft] ! date ( ! confirmation ( ! repaym5t plan2 & 7#b7 w\ld impose a sub/antial burd5 on ! debtor or a dep5d5t ( ! debtor4 7b7 ,unanticipat$ attorney's fees ,if ! debtor incurs unanticipat$ attorney's fees = s]vices provid$ subsequ5t to confirmation ( a repaym5t plan1 includ+ = s]vices relat+ to ?is section1 aft] notice & a he>+1 ! c\rt may1 = cause-- 7#a7 subject to section #ejb7;b77#c71 all[ ! debtor to modify ! repaym5t plan to include treatm5t ( su* attorney's fees2 & 7#b7 p]mit ! debtor to ext5d ! t]m ( a repaym5t plan by up to #f mon?s to facilitate treatm5t ( su* attorney's fees4 ,,iii ,dis*>ge #ajca4 ,dis*>ge2 scope & tim+ 7a7 ,9 g5]al ,subject to subsection 7b71 ! c\rt %all grant ! debtor a dis*>ge 9 accordance ) subsection 7c7 z soon z is practicable aft]-- 7#a7 ! date ( confirmation ( a repaym5t plan2 or 7#b7 9 ! case ( a debtor t has no m9imum paym5t obligation1 ! date on :i* ! deadl9e = fil+ a repaym5t plan "u section #ajba7;e7 expires4 7b7 ,exceptions ,! c\rt may n grant a dis*>ge "u subsection 7a7 to a debtor :o has-- 7#a7 be5 grant$ a dis*>ge "u ?is section1 "u section #aada1 #aaib1 #aabh1 or "u =m] section #gbg or #acbh1 )9 #f ye>s ( ! date ( ! fil+ ( ! petition2 7#b7 fail$ to t5d] ! prop]ty ( ! e/ate t is designat$ to be t5d]$ "u a repaym5t plan "u section #ajbb7;a77#a77;,a77i77,,ii72 7#c7 7,a7 execut$ a writt5 waiv] ( dis*>ge aft] ! date ( ! ord] = relief2 & 7,b7 appe>$ at a he>+ at :i* ! c\rt det]m9$ t ! debtor adequately und]/&s ! t]ms & consequ5ces ( ! waiv] describ$ 9 subp>agraph 7,a72 7#d7 ) ! int5t to h9d]1 delay1 or defraud a cr$itor or an (fic] ( ! e/ate *>g$ ) ! cu/ody ( prop]ty "u ?is title1 transf]r$1 remov$1 de/roy$1 mutilat$1 conceal$1 or p]mitt$ ! transf]1 removal1 de/ruction1 mutilation1 or concealm5t (-- 7,a7 prop]ty ( ! debtor )9 #a ye> ( ! date ( ! fil+ ( ! petition2 or 7,b7 prop]ty ( ! e/ate aft] ! date ( ! fil+ ( ! petition2 7#e7 conceal$1 de/roy$1 mutilat$1 falsifi$1 or fail$ to keep or pres]ve any record$ in=mation f :i* ! f9ancial condition or bus9ess transactions ( ! debtor might h be5 asc]ta9$1 unless su* act or failure 0 ju/ifi$ "u all ( ! circum/ances ( ! case2 7#f7 kn[+ly & fraudul5tly1 9 ! case or 9 connection ) ! case-- 7,a7 made a false oa? or acc\nt2 7,b7 pres5t$ or us$ a false claim2 7,c7 gave1 (f]$1 receiv$1 or attempt$ to obta9 money1 prop]ty1 or advantage1 or a promise ( money1 prop]ty1 or advantage1 = act+ or =be>+ to act2 or 7,d7 )held f ! tru/ee any record$ in=mation1 includ+ books1 docum5ts1 records1 & pap]s1 relat+ to ! prop]ty or f9ancial affairs ( ! debtor2 7#g7 fail$ to satisfactorily expla91 be=e ! det]m9ation ( d5ial ( dis*>ge "u ?is p>agraph1 any loss ( assets or defici5cy ( assets to meet ! liabilities ( ! debtor2 or 7#h7 refus$ 9 ! case-- 7,a7 to obey any lawful ord] ( ! c\rt1 o!r ?an an ord] to respond to a mat]ial "q or to te/ify2 7,b7 on ! gr\nd ( privilege aga9/ self-incrim9ation1 to respond to a mat]ial "q approv$ by ! c\rt or to te/ify aft] ! debtor has be5 grant$ immunity ) respect to ! matt] conc]n+ :i* ! privilege 0 invok$2 or 7,c7 on a gr\nd o!r ?an a prop]ly invok$ privilege aga9/ self-incrim9ation1 to respond to a mat]ial "q approv$ by ! c\rt or to te/ify4 7c7 ,debts dis*>g$ ,except z provid$ 9 section #ebc1 a dis*>ge "u subsection 7a7 dis*>ges ! debtor f all debts t arose be=e ! date ( ! ord] = relief "u ?is *apt] & any liability on a claim t is det]m9$ "u section #ejb z if su* debt or claim _h aris5 be=e ! comm5cem5t ( ! case1 :e!r or n-- 7#a7 a pro( ( claim bas$ on any su* debt or liability is fil$ "u section #eja2 or 7#b7 a claim bas$ on any su* debt or liability is all[$ "u section #ejb4 7d7 ,notice ( debtor's rights ,^u grant+ a dis*>ge "u subsection 7a71 ! c\rt %all include 9 ! dis*>ge ord] provid$ to ! debtor on a =m prescrib$ by ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates 9 accordance ) rule #ijji ( ! ,f$]al ,rules ( ,bankruptcy ,proc$ure a conspicu\s notice (-- 7#a7 ! "r to br+ an action = contempt or a civil action "u section #ebd7;c72 & 7#b7 ! exi/5ce ( o!r ,f$]al or ,/ate laws t may provide additional rem$ies to ! debtor 9 ! ev5t a p]son violates section #ebd4 #ajcb4 ,revocation ( dis*>ge or ord] ( confirmation 7a7 ,9 g5]al ,on reque/ ( ! tru/ee1 a cr$itor1 or ! ,unit$ ,/ates tru/ee1 at any "t )9 #a ye> aft] ! date ( ! entry ( an ord] ( confirmation "u section #ajbd or an ord] ( dis*>ge "u section #ajca1 & aft] notice & a he>+1 ! c\rt may revoke su* ord] only if-- 7#a7 su* confirmation or dis*>ge 0 obta9$ ?r\gh ! fraud ( ! debtor & ! reque/+ p>ty did n "k ( su* fraud until aft] ! grant+ ( su* confirmation or dis*>ge2 or 7#b7 ! debtor has refus$1 9 ! case-- 7,a7 to obey any lawful ord] ( ! c\rt1 o!r ?an an ord] to respond to a mat]ial "q or to te/ify2 7,b7 on ! gr\nd ( privilege aga9/ self-incrim9ation1 to respond to a mat]ial "q approv$ by ! c\rt or to te/ify1 aft] ! debtor has be5 grant$ immunity ) respect to ! matt] conc]n+ :i* su* privilege 0 invok$2 or 7,c7 on a gr\nd o!r ?an ! prop]ly invok$ privilege aga9/ self-incrim9ation1 to respond to a mat]ial "q approv$ by ! c\rt or to te/ify4 7b7 ,disposal ( case ,if ! c\rt revokes an ord] ( confirmation or an ord] ( dis*>ge "u subsection 7a71 ! c\rt %all conv]t or dismiss ! case "u section #ajje4 ,,iv ,avoidance actions #ajda4 ,treatm5t ( c]ta9 li5s ,! tru/ee may avoid a li5 t secures a claim ( a k9d describ$ 9 section #gbf7;a77#d74 #ajdb4 ,limitations on avoidance actions ,! tru/ee may n br+ an action to avoid a transf] or obligation "u section #edd1 #ede1 #edg1 #edh1 #eec1 or #ajda1 unless !re are all[$ unsecur$ claims aga9/ ! e/ate t ! debtor does n propose to pay 9 full "u a repaym5t plan4 ,v ,limit$ proce$+s #ajea4 ,election ( limit$ proce$+ 7a7 ,9 g5]al 7#a7 ,election ( limit$ proce$+ ,9 a case comm5c$ "u section #cja or #cjb1 a debtor t is eligible to file "u ?is *apt] may1 z "p ( ! petition = relief1 elect to conduct a limit$ proce$+ t affects only claims secur$ by specific items ( ! prop]ty ( ! debtor "u ?is sub*apt]4 7#b7 ,g5]al proce$+ z default ,if ! debtor does n elect to conduct a limit$ proce$+ 9 a case "u ?is *apt]-- 7,a7 ! case %all proce$ z a g5]al proce$+ "u ?is title2 & 7,b7 ?is sub*apt] %all n apply to ! case4 7b7 ,limitation on election 7#a7 ,9 g5]al ,aft] ! entry ( ord] = relief1 ! debtor may n elect to conduct a limit$ proce$+4 7#b7 ,election aft] dismissal ,no?+ 9 ?is section %all preclude a debtor1 subsequ5t to ! dismissal ( a case1 f-- 7,a7 fil+ a petition "u section #cja or #cjb2 & 7,b7 elect+ to conduct a limit$ proce$+ "u subsection 7a74 #ajeb4 ,effect ( limit$ proce$+ ,if ! debtor elects to conduct a limit$ proce$+ "u section #ajea7;a7-- 7#a7 ! debtor %all file ) ! petition a s*$ule ( affect$ prop]ty designat+ ! prop]ty to be subject to ! limit$ proce$+ t li/s any cr$itor t has an int]e/ 9 su* prop]ty2 7#b7 ! prop]ty ( ! e/ate "u section #eda %all be limit$ to prop]ty t ! debtor has indicat$ 9 ! s*$ule ( affect$ prop]ty2 7#c7 sections #cda1 #cfe1 #ajja1 #ajjb1 #ajjc1 #ajje7;a71 #ajje7;b77#d71 #ajje7;b77#g71 #ajje7;c71 #ajjh1 #ajba7;a77#a71 #ajbe1 #ajbg7;a71 #ajca1 #ajcb1 #ajda1 & #ajdb %all n apply to ! case2 7#d7 subject to any limitations ( a tru/ee "u ?is *apt]1 ! debtor %all h ! rights & p[]s ( a tru/ee "u-- 7,a7 subsections 7b71 7c71 7d71 7f71 & 7l7 ( section #cfc2 & 7,b7 sections #cfd1 #edd1 #edf1 #edg1 #edh1 #edi1 & #eec2 7#e7 ! debtor %all file #a or m plans "u p>agraphs 7#b7 & 7#c7 ( section #ajba7;a7 ) respect to prop]ty li/$ 9 ! s*$ule ( affect$ prop]ty )9 #g days ( ! ord] = relief1 or su* fur!r "t z ! c\rt may all[ = cause1 b 9 no case m ?an #cj days aft] ! date ( ! ord] = relief2 7#f7 ! /ay "u subsection section #cfb7;a7 %all apply only to entities ) an int]e/ 9 ! prop]ty t ! debtor has indicat$ 9 ! s*$ule ( affect$ prop]ty z int5d$ = treatm5t "u a plan2 7#g7 ! debtor %all n be requir$ to file ! items requir$ "u section #eba7;a77#a77;,b71 o!r ?an a /atem5t ( curr5t income & curr5t exp5ditures2 & 7#h7 notice ( ! ord] = relief %all n be requir$ to be provid$ to p>ties o!r ?an p>ties ) claims secur$ by prop]ty t ! debtor has indicat$ 9 ! s*$ule ( affect$ prop]ty & to ! ,unit$ ,/ates tru/ee4 #ajec4 ,dismissal or conv]sion ( limit$ proce$+s 7a7 ,election ( dismissal or conv]sion ( limit$ proce$+ ,! debtor may elect to dismiss a limit$ proce$+ or conv]t a limit$ proce$+ to a g5]al proce$+ "u ?is *apt] by fil+ a notice ( t]m9ation or conv]sion )9 #g days ( ! e>li] (-- 7#a7 ! failure ( ! debtor to timely file a plan requir$ "u section #ajeb7e72 or 7#b7 ! failure ( ! c\rt to confirm a plan )9 #fj days ( ! date ( ! ord] = relief4 7b7 ,conv]sion ( limit$ proce$+ ,if a debtor elects to conv]t a limit$ proce$+ to a g5]al proce$+ "u ?is *apt] "u subsection 7a7-- 7#a7 ! prop]ty ( ! e/ate %all be det]m9$ "u section #eda1 )\t reg>d to section #ajeb7b71 z ( ! date ( ! notice ( conv]sion2 7#b7 ! /ay "u section #cfb7;a7 %all apply to ea* entity z ( ! date ( ! notice ( conv]sion2 7#c7 notice ( ! ord] = relief %all be provid$ to ea* p>ty 9 int]e/ t 0 n notifi$ "u section #ajeb7h72 7#d7 any timel9e = an action to be tak5 by ! debtor "u ?is title t beg9s on ! date ( ! ord] = relief %all be adju/$ to beg9 on ! date ( ! notice ( conv]sion2 7#e7 except z provid$ 9 section #ejf1 ) respect to a cr$itor t has a claim secur$ by prop]ty includ$ 9 ! s*$ule ( affect$ prop]ty fil$ "u section #ajeb7a71 any claims t arose aga9/ ! debtor aft] ! date ( ! ord] = relief & be=e ! date ( ! notice ( conv]sion %all be deem$ to h aris5 imm$iately be=e ! date ( ! fil+ ( ! petition2 & 7#f7 any valuation ( prop]ty or an all[$ secur$ claim1 any det]m9ation ( a claim all[ance1 & any o!r det]m9ation made 9 ! c\rse ( ! limit$ proce$+ may be us$ 9 ! g5]al proce$+1 unless ! c\rt = cause ord]s o!rwise4 7c7 ,dismissal by c\rt ( limit$ proce$+ ,at any "t1 aft] notice & a he>+1 ! c\rt1 on its own motion or on a motion by ! ,unit$ ,/ates tru/ee1 may dismiss a case t is proce$+ z a limit$ proce$+ on ! gr\nds t ! grant+ ( relief w\ld be a manife/ly improp] use ( ! bankruptcy sy/em4 4 7b7 ,cl]ical am5dm5t ,! table ( *apt]s = title #aa1 ,unit$ ,/ates ,code1 is am5d$ by ins]t+ aft] ! item relat+ to *apt] #i ! foll[+3 #aj4 ,individual bankruptcy#ajja 4 #ajc4 ,repeal ( *apt] #ac 7a7 ,9 g5]al ,*apt] #ac ( title #aa1 ,unit$ ,/ates ,code1 is repeal$4 7b7 ,cl]ical am5dm5t ,! table ( *apt]s = title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! item relat+ to *apt] #ac4 #ajd4 ,o!r am5dm5ts to ! ,bankruptcy ,code 7a7 ,def9itions 7#a7 ,9 g5]al ,section #aja ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 by /rik+ p>agraphs 7#c71 7#d;,a71 7#aj;,a71 7#ab;,a71 & 7#cj72 7,b7 by r$esignat+ p>agraphs 7#ec;,b71 7#ec;,c71 7#ef;,a71 7#ec;,d71 7#ed71 7#ed;,a71 & 7#ee7 z p>agraphs 7#hf71 7#hg71 7#hh71 7#hi71 7#ij71 7#ia71 & 7#ib71 respectively2 7,c7 by ins]t+ be=e p>agraph 7#hg71 z s r$esignat$1 ! foll[+3 7#he7 ,! t]m /ore gift c>d means a c>d1 code1 or o!r device t is-- 7,a7 issu$ 9 ex*ange = paym5t on a prepaid basis prim>ily = p]sonal1 family1 or h\sehold purposes to a consum] 9 a specifi$ am\nt1 :e!r or n t am\nt may be increas$ or reload$2 & 7,b7 r$eemable = goods or s]vices ^u pres5tation at a s+le m]*ant or an affiliat$ gr\p ( m]*ants4 2 7,d7 by r$esignat+ p>agraphs 7#dh71 7#dh;,a71 7#di71 7#ej71 7#ea71 7#ea;,a71 7#ea;,b71 7#ea;,c71 7#ea;,d71 7#eb71 7#ec71 & 7#ec;,a7 z p>agraphs 7#gc71 7#gd71 7#ge71 7#gf71 7#gg71 7#gh71 7#gi71 7#hj71 7#ha71 7#hb71 7#hc71 & 7#hd71 respectively2 7,e7 by ins]t+ be=e p>agraph 7#gc71 z s r$esignat$1 ! foll[+3 7#gb7 ,! t]m resid5ce plan means a plan fil$ pursuant to section #ajbb7;b7 ( ?is title4 2 7,f7 by r$esignat+ p>agraphs 7#df7 & 7#dg7 z p>agraphs 7#gj7 & 7#ga71 respectively2 7,g7 by ins]t+ be=e p>agraph 7#gj71 z s r$esignat$1 ! foll[+3 7#fi7 ,! t]m repaym5t plan means a plan fil$ pursuant to section #ajbb7;a7 ( ?is title4 2 7,h7 by r$esignat+ p>agraph 7#de7 z p>agraph 7#fh72 7,i7 by ins]t+ be=e p>agraph 7#fh71 z s r$esignat$1 ! foll[+3 7#fg7 ,! t]m realizable value means ! value1 z ( ! relevant date1 t c\ld be obta9$ = ! relevant prop]ty 9 a lawful =eclosure1 repossession1 or execution sale1 less ! co/s ( su* sale4 2 7,j7 by r$esignat+ p>agraphs 7#dc7 & 7#dd7 z p>agraphs 7#fe7 & 7#ff71 respectively2 7,k7 by ins]t+ be=e p>agraph 7#fe71 z s r$esignat$1 ! foll[+3 7#fd7 ,! t]m prop]ty plan means a plan fil$ pursuant to section #ajbb7;c7 ( ?is title4 2 7,l7 by r$esignat+ p>agraph 7#db;,a7 z p>agraph 7#fc72 7,m7 by ins]t+ be=e p>agraph 7#fc71 z s r$esignat$1 ! foll[+3 7#fa7 ,! t]m pre-dispute arbitration agreem5t means any agreem5t to :i* ! debtor is a p>ty to arbitrate a dispute t has n aris5 at ! "t ( ! mak+ ( ! agreem5t4 7#fb7 ,! t]m pre-dispute jo9t-action waiv] means any agreem5t to :i* ! debtor is a p>ty1 :e!r or n "p ( a pr$ispute arbitration agreem5t1 t w\ld prohibit ! debtor f p>ticipat+1 or waive ! "r ( ! debtor to p>ticipate1 9 a jo9t1 class1 or collective action 9 a judicial1 arbitral1 adm9i/rative1 or o!r =um1 conc]n+ a dispute t has n yet aris5 at ! "t ( ! mak+ ( ! agreem5t4 2 7,n7 by r$esignat+ p>agraphs 7#dj71 7#dj;,a71 7#dj;,b71 7#da71 7#da;,a71 & 7#db7 z p>agraphs 7#ee71 7#ef71 7#eg71 7#eh71 7#ei71 & 7#fj71 respectively2 7,o7 by ins]t+ be=e p>agraph 7#ef71 z s r$esignat$1 ! foll[+3 7#ed7 ,! t]m m9imum paym5t obligation means1 except z provid$ 9 section #ajba7;c77#a7 ( ?is title1 an am\nt equal to ! less] (-- 7,a7 ! all[$ unsecur$ claims2 or 7,b7 ! sum (-- 7i7 ! value ( ! debtor's int]e/ 9 prop]ty ( ! bankruptcy e/ate 9 excess (-- 7,i7 any all[$ secur$ claims t are secur$ by t prop]ty2 plus 7,,ii7 any exemption applicable "u section #ebb7;b72 7ii7 9 ! case ( a debtor 9 a h\sehold ( #a1 #b1 #c1 or #d individuals1 to ! ext5t ! debtor's annual income exce$s #ace p]c5t ( ! m$ian family income ( ! applicable ,/ate = a family ( ! same numb] ( individuals or few] z ! debtor-- 7,i7 if ! excess is n ov] #aj1jjj1 #ae p]c5t ( ! excess2 7,,ii7 if ! excess is ov] #aj1jjj b n ov] #ej1jjj1 #a1ejj plus #de p]c5t ( ! excess ov] #aj1jjj2 7,,iii7 if ! excess is ov] #ej1jjj b n ov] #ajj1jjj1 #ai1ejj plus #ge p]c5t ( ! excess ov] #ej1jjj2 or 7,,iv7 if ! excess is ov] #ajj1jjj1 #id1ejj plus #aej p]c5t ( ! excess ov] #ajj1jjj2 & 7iii7 9 ! case ( a debtor 9 a h\sehold exce$+ #d individuals1 clause 7ii7 %all apply1 except t excess income %all be calculat$ z ! ext5t to :i* ! debtor's annual income exce$s ! sum ( #ace p]c5t ( ! highe/ m$ian family income ( ! applicable ,/ate = a family ( #d or few] individuals & #i1jjj = ea* individual 9 excess ( #d4 2 7,p7 by r$esignat+ p>agraphs 7#ca71 7#cb71 7#cc71 7#cd71 7#ce71 7#ce;,a71 7#cf71 7#cg71 7#ch71 7#ch;,a71 7#ch;,b71 7#ci71 & 7#ci;,a7 z p>agraphs 7#da71 7#db71 7#dc71 7#dd71 7#de71 7#df71 7#dg71 7#dh71 7#di71 7#ej71 7#ea71 7#eb71 & 7#ec71 respectively2 7,q7 9 p>agraph 7#de77;,b71 z s r$esignat$1 by /rik+ p>agraphs 7#ba;,b7 & 7#cc77;,a7 & ins]t+ p>agraphs 7#bi7 & 7#dc77;,a72 7,r7 by r$esignat+ p>agraphs 7#ad71 7#ad;,a71 7#ae71 7#af71 7#ag71 7#ah71 7#ai71 7#ai;,a71 7#ai;,b71 7#bj71 7#ba71 7#ba;,a71 7#ba;,b71 7#bb71 7#bb;,a71 7#bc71 7#bd71 7#be71 7#bf71 7#bg71 7#bg;,a71 7#bg;,b71 7#bh71 & 7#bi7 z p>agraphs 7#ag71 7#ah71 7#ai71 7#bj71 7#ba71 7#bb71 7#bc71 7#bd71 7#be71 7#bf71 7#bg71 7#bh71 7#bi71 7#cj71 7#ca71 7#cb71 7#cc71 7#cd71 7#ce71 7#cf71 7#cg71 7#ch71 7#ci71 & 7#dj71 respectively2 7,s7 9 p>agraph 7#ah71 z s r$esignat$-- 7i7 9 ! matt] prec$+ subp>agraph 7,a71 by ins]t+ attorneys' fees & be=e int]e/2 & 7ii7 by /rik+ subp>agraph 7,a7 & ins]t+ ! foll[+3 7,a7 ow$ to or recov]able by a sp\se1 =m] sp\se1 or *ild ( ! debtor or a p>5t1 legal gu>dian1 or responsible relative ( su* a *ild2 2 7,t7 by /rik+ p>agraph 7#ac;,a7 & ins]t+ ! foll[+3 7#af7 ,! t]m debtor's pr9cipal resid5ce1 ) respect to a debtor1 means #a ( ! foll[+3 7,a7 ,a resid5tial /ructure t ! debtor or a dep5d5t uses z a resid5ce1 includ+ an individual condom9ium1 a mobile or manufactur$ home1 or trail] or h\seboat1 & incid5tal prop]ty1 )\t reg>d to :e!r t /ructure is atta*$ to real prop]ty4 7,b7 ,an int]e/ 9 a coop]ative t owns prop]ty t ! debtor or a dep5d5t ( ! debtor uses z a resid5ce4 7,c7 ,a resid5tial leasehold t ! debtor or a dep5d5t ( ! debtor uses z a resid5ce4 2 7,u7 by r$esignat+ p>agraphs 7#g;,a71 7#g;,b7 7#h71 7#i71 7#aj71 7#aa71 7#ab71 & 7#ac7 z p>agraphs 7#h71 7#i71 7#aj71 7#aa71 7#ab71 7#ac71 7#ad71 & 7#ae71 respectively2 & 7,v7 by ins]t+ be=e p>agraph 7#d7 ! foll[+3 7#c7 ,! t]m annual income means-- 7,a7 an am\nt equal to twice ! income f all s\rces t ! debtor receives 7or 9 a jo9t case ! debtor & ! debtor's sp\se receive7 )\t reg>d to :e!r su* income is taxable1 d]iv$ dur+ ! #f-mon? p]iod end+ on ! la/ day ( ! cal5d> mon? imm$iately prec$+ ! date ( ! fil+ ( ! petition2 & 7,b7 any am\nt paid by any entity o!r ?an ! debtor 7or 9 a jo9t case ! debtor & ! debtor's sp\se71 on a regul> basis on behalf ( ! debtor1 except t ! proce$s f ! sale ( an asset n 9 ! ord9>y c\rse ( bus9ess %all n be includ$ 9 annual income4 4 7#b7 ,con=m+ am5dm5ts to o!r laws 7,a7 ,section #aejc7c77;,a77iv7 ( ! ,s4,a4,f4,e4 ,mortgage ,lic5s+ ,act ( #bjjh 7#ab ,u4,s4,c4 #aejb7c77;,a77iv77 is am5d$ by /rik+ section #aja7ec;,d7 & ins]t+ section #aja7hi74 7,b7 ,section #aaf7;a77#b77;,a7 ( ! ,em]g5cy ,economic ,/abilization ,act ( #bjjh 7#ab ,u4,s4,c4 #ebbf7;a77#b77;,a77 is am5d$ by /rik+ section #aja7bg7 & ins]t+ section #aja7cf74 7,c7 ,section #baj7;a7 ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecij7;a77-- 7i7 9 p>agraph 7#aa77;,h7-- 7,i7 9 clause 7i77,i71 by /rik+ section #aja7ca7 & ins]t+ section #aja7da72 & 7,,ii7 9 clause 7ii77,,ii71 by /rik+ section #aja7cb7 & ins]t+ section #aja7db72 & 7ii7 9 p>agraph 7#ab77;,c71 by /rik+ section #aja7cb7 & ins]t+ section #aja7db74 7,d7 ,section #c;,e7g7 ( ! ,securities ,ex*ange ,act ( #aicd 7#ae ,u4,s4,c4 #gh;c-#e7;g77 is am5d$ by /rik+ section #aja7ec;,a77,b7 & ins]t+ section #aja7hd77;,b74 7,e7 ,section #ajc7;dd77#e7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afjb7;dd77#e77 is am5d$ by /rik+ section #aja7ec;,d7 & ins]t+ section #aja7hi74 7,f7 ,section #abh7;b77#b77;,g77i7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afch7;b77#b77;,g77i77 is am5d$1 9 ! matt] prec$+ subclause 7,i71 by /rik+ section #aja7ec;,d7 & ins]t+ section #aja7hi74 7,g7 ,section #abi;,b7f7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci;b7f77 is am5d$ by /rik+ section #aja7ec;,d7 & ins]t+ section #aja7hi74 7,h7 ,section #abi;,c7i7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci;c7i77 is am5d$ by /rik+ section #aja7ec;,d7 & ins]t+ section #aja7hi74 7,i7 ,section #ajaf7;f77#b77;,a7 ( ! ,oil ,pollution ,act ( #aiij 7#cc ,u4,s4,c4 #bgaf7;f77#b77;,a77 is am5d$ by /rik+ section #aja7cb7 & ins]t+ section #aja7db74 7,j7 ,section #dje7;j77#b77;,c7 ( ,,promesa 7#dh ,u4,s4,c4 #baid7;j77#b77;,c77 is am5d$ by /rik+ section #aja7aa7 & ins]t+ section #aja7ac74 7b7 ,applicability ( *apt]s ,section #ajc ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 by /rik+ *apt] #g1 #aa1 #ab1 or #ac ( ?is title & ins]t+ *apt] #g1 #aj1 #aa1 or #ab ( ?is title2 & 7,b7 by /rik+ section #cfb7o7 & ins]t+ section #cfb7m72 & 7#b7 9 subsection 7j7 by /rik+ ,*apt] #ac & ins]t+ ,*apt] #aj4 7c7 ,adju/m5t ( doll> am\nts ,section #ajd ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7 by /rik+ sections #aja7c7 & all t foll[s ?r\gh ( ?is title & ins]t+ ?is title2 & 7#b7 9 subsection 7b7 by /rik+ sections #aja7c7 & all t foll[s ?r\gh ( ?is title & ins]t+ ?is title4 7d7 ,waiv] ( sov]eign immunity ,section #ajf7;a77#a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 by /rik+ #gbb12 7#b7 by ins]t+ #ajbh1 aft] #idd12 & 7#c7 by /rik+ #abca1 #acja1 #acjc1 #acje1 & #acbg & ins]t+ & #abca4 7e7 ,ext5sion ( "t ,section #ajh ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7b71 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ or #acja2 & 7#b7 9 subsection 7c7-- 7,a7 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ #abja or #acja & ins]t+ #ajji or #abja2 & 7,b7 9 p>agraph 7#b71 by /rik+ section #cfb1 #ibb1 #abja1 or #acja ( ?is title1 & ins]t+ section #cfb1 #ibb1 or #abja ( ?is title14 7f7 ,:o may be a debtor 7#a7 ,9 g5]al ,section #aji ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 subsection 7b7-- 7i7 by r$esignat+ p>agraphs 7#a71 7#b71 & 7#c7 z p>agraphs 7#b71 7#c71 & 7#d71 respectively2 & 7ii7 by ins]t+ be=e p>agraph 7#b71 z s r$esignat$1 ! foll[+3 7#a7 an individual2 2 7,b7 by /rik+ subsection 7e72 7,c7 by r$esignat+ subsection 7d7 z 7e72 7,d7 by ins]t+ aft] subsection 7c7 ! foll[+3 7d7 ,only an individual t owes aggregate noncont+5t liquidat$ secur$ & unsecur$ debts z ( ! date ( ! fil+ ( ! petition or ! date ( ! ord] = relief 9 an am\nt n m ?an #g1ejj1jjj 7exclud+ debts ow$ to #a or m affiliates or insid]s7 may be a debtor "u *apt] #aj ( ?is title4 2 7,e7 9 subsection 7e71 z s r$esignat$1 by /rik+ railroad1 a p]son & ins]t+ railroad1 an individual1 a p]son2 7,f7 by /rik+ subsection 7g7 & ins]t+ ! foll[+3 7g7 ,not)/&+ any o!r provision ( ?is section1 no individual or family f>m] may be a debtor "u ?is title :o has be5 a debtor 9 a case p5d+ "u ?is title at any "t 9 ! prec$+ #ahj days if ! case 0 dismiss$ by ! c\rt = willful failure ( ! debtor to abide by ord]s ( ! c\rt1 or to appe> be=e ! c\rt 9 prop] prosecution ( ! case4 2 & 7,g7 by /rik+ subsection 7h7 & ins]t+ ! foll[+3 7h7 7#a7 ,^u motion ( a p>ty 9 int]e/ or on ! c\rt's own motion1 ! c\rt may1 aft] notice & a he>+1 include 9 an ord] dismiss+ a case "u sections #gjg1 #ajje1 #ajec7;c71 #aaab1 or #abjh ( ?is title a re/riction ( ! debtor's eligibility to refile a subsequ5t case "u ?is title ^u a f9d+ ( cause1 includ+-- 7,a7 willful failure ( ! debtor to-- 7i7 abide by ord]s ( ! c\rt2 or 7ii7 propose a plan requir$ "u sections #ajba1 #aabi1 or #abbe 9 good fai? & n by any means =bidd5 by law2 7,b7 willful & sub/antial default by ! debtor ) respect to a t]m ( a confirm$ plan2 7,c7 a patt]n or practice ( fil+ bankruptcy petitions z "p ( a manife/ly improp] use ( ! bankruptcy sy/em2 7,d7 willful failure ( ! debtor to appe> be=e ! c\rt 9 prop] prosecution ( ! case2 or 7,e7 o!r manife/ly improp] use ( ! provisions ( ?is title4 7#b7 ,! p]iod ( ineligibility = a subsequ5t case-- 7,a7 %all ext5d = #ahj days f ! date ( ! entry ( ! c\rt's ord] unless ! c\rt ord]s o!rwise2 & 7,b7 may ext5d = a p]iod long] ?an #ahj days 7b n to exce$ #gbj days7 only if ! c\rt f9ds manife/ly improp] use ! bankruptcy sy/em4 7#c7 ,aft] notice & a he>+1 ! c\rt may decrease ! p]iod ( ineligibility bas$ ^u a %[+ ( *ang$ circum/ances or = good cause %[n4 4 7#b7 ,con=m+ am5dm5ts 7,a7 ,section #aeja7;c77#b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #aji7;e7 & ins]t+ #aji7;d74 7,b7 ,section #cjc7a7 ( ,,promesa 7#dh ,u4,s4,c4 #bafc7a77 is am5d$ by /rik+ section #aji7;b77#b7 & ins]t+ section #aji7;b77#c74 7g7 ,p5alty = p]sons :o neglig5tly or fraudul5tly prep>e bankruptcy petitions ,section #aaj7;e77#b77;,b77i77,,ii7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ "u *apt] #g1 #aa1 #ab1 or #ac & ins]t+ "u *apt] #aj1 #aa1 or #ab4 7h7 ,nonpr(it budget & cr$it c\nsel+ ag5cies2 f9ancial managem5t in/ructional c\rses 7#a7 ,*apt] #a ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #aaa4 7#b7 ,! table ( sections = *apt] #a ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! item relat+ to section #aaa4 7i7 ,involunt>y cases ,section #cjc ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7 by /rik+ *apt] #g or #aa ( ?is title & ins]t+ *apt] #g1 #aj1 or #aa ( ?is title2 7#b7 9 subsection 7b7 by /rik+ *apt] #g or #aa ( ?is title-- & ins]t+ *apt] #g1 #aj1 or #aa ( ?is title--2 7#c7 9 subsection 7g7-- 7,a7 by /rik+ *apt] #g ( ?is title & ins]t+ *apt] #g or #aj ( ?is title2 & 7,b7 by /rik+ section #gja ( ?is title & ins]t+ section #gja or #ajjc ( ?is title02 & 7#d7 9 subsection 7k77#b71 by /rik+ ! c\rt may ent] an ord] & ins]t+ ! c\rt %all ent] an ord]4 7j7 ,appe>ance by consum] f9ancial protection bureau 7#a7 ,9 g5]al ,sub*apt] ,i ( *apt] #c ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 #cji4 ,bureau ( ,consum] ,f9ancial ,protection appe>ances 9 bankruptcy cases ,not)/&+ section #ajed7;e7 ( ! ,consum] ,f9ancial ,protection ,act 7#ab ,u4,s4,c4 #eefd7;e771 ! ,bureau ( ,consum] ,f9ancial ,protection may repres5t itself 9 its own "n & may raise1 appe>1 & be he>d on any issue 9 a case "u ?is title be=e any c\rt ) appropriate jurisdiction4 4 7#b7 ,con=m+ am5dm5t ,! table ( sections = *apt] #c ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by ins]t+ aft] ! item relat+ to section #cjh ! foll[+3 #cji4 ,bureau ( ,consum] ,f9ancial ,protection appe>ances 9 bankruptcy cases4 4 7k7 ,eligibility ,to s]ve z tru/ee ,section #cba7;a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ "u *apt] #g1 #ab1 or #ac ( ?is title1 ea* place x appe>s & ins]t+ "u *apt] #g1 #aj1 or #ab ( ?is title14 7l7 ,qualification ( tru/ee ,section #cbb7;a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #gja1 #gjb1 #gjc1 #aajd1 #aafc1 #aahc1 #abjb1 or #acjb & ins]t+ #gja1 #gjb1 #gjc1 #ajja1 #aajd1 #aafc1 #aahc1 or #abjb4 7m7 ,limitation on comp5sation ( tru/ee ,section #cbf7;b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 by /rik+ *apt] #ab or #ac ( ?is title1 & ins]t+ *apt] #aj or #ab ( ?is title12 & 7#b7 by /rik+ "u section #abjb7;a7 or #acjb7;a7 ( ?is title & ins]t+ "u section #ajja7;a7 or #abjb7;a7 ( ?is title4 7n7 ,debtor's transactions ) attorneys ,section #cbi ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7b77#a77;,b71 by /rik+ *apt] #aa1 #ab1 or #ac ( ?is title & ins]t+ *apt] #aj1 #aa1 or #ab ( ?is title2 & 7#b7 by add+ at ! end ! foll[+3 7c7 ,9 a case "u *apt] #aj ( ?is title1 no comp5sation %all be all[$ = ! debtor's attorney "u ?is title unless-- 7#a7 ! agreem5t betwe5 ! debtor & ! debtor's attorney provid+ = comp5sation-- 7,a7 0 made n m ?an #ij days be=e ! date ( ! fil+ ( ! petition2 7,b7 specifies ! s]vices provid$ or to be provid$ by ! debtor's attorney & ! attorney's relat$ fees & exp5ses2 7,c7 provides t ! debtor w n be reque/$ to pay or be liable = any am\nts o!r ?an attorneys' fees & exp5ses-- 7i7 specifi$ 9 ! agreem5t2 7ii7 = any adv]s>y proce$+ 9 :i* ! debtor is a p>ty2 or 7iii7 = s]vices requir$ by ! debtor or ! c\rt t ! attorney %\ld n h reasonably anticipat$ at ! "t ( ! agreem5t2 7,d7 does n provide = ! paym5t ( int]e/ or any additional fees bas$ on delay 9 paym5t or risk ( nonpaym5t or = co/s ( collection on in/allm5t paym5ts2 & 7,e7 does n include a pre-dispute arbitration agreem5t or a pre-dispute jo9t-action waiv] ) respect to any dispute "u ! agreem5t2 7#b7 ! attorney has discuss$ ) ! debtor ! attorney's fees & exp5ses "u ! agreem5t & ! consequ5ces ( ! attorney's fil+ ! c]tification requir$ "u p>agraph 7#c71 &1 aft] full disclosure1 ! debtor cons5ts to ! fil+ ( ! c]tification2 & 7#c7 ! attorney files ) ! c\rt a c]tification1 9 accordance ) rule #ijaa ( ! ,f$]al ,rules ( ,bankruptcy ,proc$ure1 ) respect to ! agreem5t t-- 7,a7 ! conditions specifi$ 9 p>agraphs 7#a7 & 7#b7 are satisfi$2 & 7,b7 ! en=cem5t ( ! agreem5t w\ld n impose an undue h>d%ip on ! debtor or ! debtor's dep5d5ts4 7d7 ,9 a case "u *apt] #aj ( ?is title1 any assignm5t1 factor+1 or transf] ( rights or am\nts1 or ( rights or au?ority to collect any su* am\nts1 due "u an agreem5t betwe5 ! debtor & ! debtor's attorney is void4 7e7 ,! bankruptcy c\rt %all h exclusive jurisdiction ov] any disputes "u an agreem5t t is subject to ?is section1 :e!r or n ! case has be5 clos$4 4 7o7 ,comp5sation ( (fic]s 7#a7 ,9 g5]al ,section #ccj ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 subsection 7a77#d77;,b71 by /rik+ ,9 a *apt] #ab or *apt] #ac case 9 :i* ! debtor is an individual1 & ins]t+ ,9 a *apt] #aj or #ab case 9 :i* ! debtor is an individual12 7,b7 by r$esignat+ subsections 7c7 & 7d7 z subsections 7d7 & 7f71 respectively2 7,c7 by /rik+ 7b77#a7 ,!re & ins]t+ 7b7 ,!re2 7,d7 by /rik+ title #de & ins]t+ title #ge2 7,e7 by /rik+ 7#b7 ,! ,judicial & ins]t+ 7c7 ,! ,judicial2 7,f7 by /rik+ 7,a7 %all & ins]t+ 7#a7 %all2 7,g7 by /rik+ 7,b7 may & ins]t+ 7#b7 may2 7,h7 by /rik+ paid "u p>agraph 7#a74 & ins]t+ paid "u subsection 7b742 7,i7 9 subsection 7d71 z s r$esignat$1 by /rik+ 9 a case "u *apt] #ab or #ac & ins]t+ 9 a case "u *apt] #aj or #ab2 & 7,j7 by ins]t+ aft] subsection 7d71 z s r$esignat$1 ! foll[+3 7e7 ,!re %all be paid f ! fil+ fee 9 a case "u *apt] #aj ( ?is title #abj to ! tru/ee s]v+ 9 su* case1 aft] su* tru/ee's s]vices are r5d]$4 4 7#b7 ,con=m+ am5dm5t ,section #ehi;a7b77#g7 ( title #bh1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ccj7;d7 & ins]t+ section #ccj7;f74 7p7 ,meet+s ( cr$itors & equity security hold]s ,section #cda ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7c71 by /rik+ *apt] #g or #ac & ins]t+ *apt] #aj ( ?is title2 7#b7 9 subsection 7d7-- 7,a7 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ *apt] #g & ins]t+ *apt] #aj2 7,b7 9 p>agraph 7#a71 by add+ & at ! end2 7,c7 by /rik+ p>agraph 7#b72 7,d7 by r$esignat+ p>agraph 7#c7 z p>agraph 7#b72 7,e7 9 p>agraph 7#b71 z s r$esignat$1 by /rik+ 2 & & ins]t+ a p]iod2 & 7,f7 by /rik+ p>agraph 7#d72 & 7#c7 by add+ at ! end ! foll[+3 7f7 ,9 a case "u *apt] #aj ( ?is title-- 7#a7 ! meet+ ( cr$itors "u subsection 7a7 may be conv5$ electronically & all[ remote appe>ances ( all p>ties2 7#b7 7,a7 ! debtor %all n be requir$ to appe> 9 p]son if x w\ld impose an unreasonable burd5 on ! debtor2 & 7,b7 !re %all be a rebuttable presumption t 9-p]son att5dance at ! meet+ ( cr$itors "u subsection 7a7 is an unreasonable burd5 on ! debtor if ! debtor's address on ! bankruptcy petition is m ?an #aj miles f ! location ( ! c\r?\se ( ! bankruptcy c\rt :]e ! meet+ ( cr$itors "u subsection 7a7 w\ld occur2 & 7#c7 ! meet+ ( cr$itors "u subsection 7a7 %all be s*$ul$ at su* times to avoid conflict ) ! debtor's employm5t4 4 7q7 ,notice ,section #cdb ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 by /rik+ subsections 7b7 & 7d72 7#b7 by r$esignat+ subsections 7c71 7e71 7f71 & 7g7 z subsections 7b71 7c71 7d71 & 7e71 respectively2 7#c7 9 subsection 7c77#a71 z s r$esignat$1 by /rik+ *apt] #g or #ac & ins]t+ *apt] #aj2 7#d7 9 subsection 7d71 z s r$esignat$-- 7,a7 9 p>agraph 7#a71 by /rik+ *apt]s #g or #ac & ins]t+ *apt] #aj2 & 7,b7 9 p>agraph 7#b7-- 7i7 by /rik+ *apt] #g or #ac & ins]t+ *apt] #aj2 & 7ii7 by /rik+ subsection 7e7 & ins]t+ subsection 7c72 & 7#e7 9 subsection 7e77#b71 z s r$esignat$1 by /rik+ section #cfb7k7 & ins]t+ section #cfb7;j74 7r7 ,unclaim$ prop]ty ,section #cdg7;a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ "u section & all t foll[s ?r\gh z ! case may be & ins]t+ "u section #gbf1 #ajbe1 #aaid1 or #abbf ( ?is title "u *apt] #g1 *apt] #aj1 sub*apt] ,v ( *apt] #aa1 or *apt] #ab ( ?is title1 z ! case may be4 7s7 ,effect ( conv]sion ,section #cdh ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7b7-- 7,a7 by /rik+ sections #gja7;a71 #gbg7;a77#aj71 #gbg7;b71 #aajb7;a71 #aaaj7;a77#a71 #aaba7;b71 #aaba7;c71 #aada7;d77#d71 #abja7;a71 #abba1 #abbh7;a71 #acja7;a71 & #acje7;a7 ( ?is title & ins]t+ sections #gja7;a71 #ajji7;a71 #ajbe7;b71 #ajbg7;a71 #ajbg7;b71 #ajca7;c71 #aajb7;a71 #aaaj7;a77#a71 #aaba7;b71 #aaba7;c71 #aada7;d77#d71 #abja7;a71 #abba1 & #abbh7;a7 ( ?is title2 & 7,b7 by /rik+ "u section #gjf1 #aaab1 #abjh1 or #acjg ( ?is title & ins]t+ "u section #gjf1 #ajje1 #ajec7;c71 #aaab1 or #abjh ( ?is title2 7#b7 9 subsection 7c71 by /rik+ "u section #gjf1 #aaab1 #abjh1 or #acjg ( ?is title & ins]t+ "u section #gjf1 #ajje1 #ajec7;c71 #aaab1 or #abjh ( ?is title2 7#c7 9 subsection 7d71 by /rik+ "u section #aaab1 #abjh1 or #acjg ( ?is title & ins]t+ "u section #ajje1 #ajec7;c71 #aaab1 or #abjh ( ?is title2 7#d7 9 subsection 7e71 by /rik+ "u section #gjf1 #aaab1 #abjh1 or #acjg ( ?is title & ins]t+ "u section #gjf1 #ajje1 #ajec7;c71 #aaab1 or #abjh ( ?is title2 & 7#e7 by /rik+ subsection 7f74 7t7 ,effect ( dismissal ,section #cdi ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 by /rik+ subsection 7a7 & ins]t+ ! foll[+3 7a7 ,! dismissal ( a case %all n-- 7#a7 b> ! dis*>ge1 9 a lat] case1 ( debts t 7 dis*>geable 9 ! case dismiss$1 except z provid$ 9 section #ebc1 #ajca1 #aada1 or #abbh2 or 7#b7 prejudice ! debtor ) reg>d to ! fil+ ( a subsequ5t petition1 except z provid$ 9 subsection 7g7 or 7h7 ( section #aji4 2 & 7#b7 9 subsection 7b77#a77;,b71 by /rik+ or #gbd7;a7 ( ?is title1 & ins]t+ #gbd7;a71 or #ajda ( ?is title14 7u7 ,automatic /ay 7#a7 ,9 g5]al ,section #cfb ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 subsection 7a7-- 7i7 9 p>agraph 7#c71 by ins]t+ or to reta9 aft] to ex]cise control ov]2 7ii7 9 p>agraph 7#g71 by /rik+ & at ! end2 7iii7 9 p>agraph 7#h71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7iv7 by add+ at ! end ! foll[+3 7#i7 9 a case "u *apt] #aj ( ?is title1 at any "t be=e ! e>lie/ ( a conv]sion or dismissal "u section #ajje ( ?is title1 a dismissal "u section #ajec7;c7 ( ?is title1 or a dis*>ge "u section #ajca ( ?is title1 any act to alt]1 refuse1 or discont9ue utility s]vice provid$ to ! debtor "u an agreem5t ent]$ into be=e ! entry ( ! ord] = relief4 2 7,b7 9 subsection 7b7-- 7i7 by /rik+ p>agraph 7#bb72 7ii7 by r$esignat+ p>agraphs 7#bc71 7#bd71 7#be71 7#bf71 7#bg71 & 7#bh7 z p>agraphs 7#bb71 7#bc71 7#bd71 7#be71 7#bf71 & 7#bg71 respectively2 7iii7 9 p>agraph 7#bb71 z s r$esignat$1 by /rik+ subsection 7m7 & ins]t+ subsection 7l72 7iv7 9 p>agraph 7#bf71 z s r$esignat$1 by /rik+ & at ! end2 7v7 9 p>agraph 7#bg71 z s r$esignat$1 by /rik+ ! p]iod & ins]t+ 2 &2 & 7vi7 by /rik+ ! matt] foll[+ p>agraph 7#bg71 z s r$esignat$ & ins]t+ ! foll[+3 7#bh7 "u subsection 7a71 ov] ret5tion ( prop]ty ( ! e/ate subject to a pot5tial loss ( value due to accid5t1 casualty1 or !ft unless ! p>ty entitl$ to possession provides pro( ( insurance or o!r security suffici5t to protect ! cr$itor aga9/ su* loss ( value4 2 7,c7 9 subsection 7c7-- 7i7 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ 7f71 & 7h7 & ins]t+ & 7f72 7ii7 by /rik+ p>agraphs 7#b7 & 7#c7 & ins]t+ ! foll[+3 7#b7 9 a case "u *apt] #g1 #i1 #aa1 or #ab1 ! /ay ( any o!r act "u subsection 7a7 ( ?is section cont9ues until ! e>lie/ (-- 7,a7 ! "t ! case is clos$2 7,b7 ! "t ! case is dismiss$2 or 7,c7 if ! case is a case "u *apt] #i1 #aa1 or #ab1 ! "t a dis*>ge is grant$ or d5i$2 7#c7 9 a case "u *apt] #aj1 ! /ay ( any o!r act "u subsection 7a7 ( ?is section cont9ues until ! e>lie/ (-- 7,a7 ! "t ! case is clos$2 7,b7 ! "t ! case is dismiss$2 or 7,c7 ! "t specifi$ 9 section #ajba7;e7 has expir$ )\t ! debtor hav+ fil$ a plan2 & 2 & 7iii7 9 subp>agraph 7,a77i7 ( p>agraph 7#d71 by /rik+ dismiss$1 o!r ?an a case refil$ "u a *apt] o!r ?an *apt] #g aft] dismissal "u section #gjg7;b71 & ins]t+ dismiss$12 7,d7 9 subsection 7e77#b71 by /rik+ *apt] #g1 #aa1 or #ac & ins]t+ *apt] #aj or #aa2 7,e7 by /rik+ subsections 7h7 & 7i72 7,f7 by r$esignat+ subsections 7j7 ?r\gh 7o7 z subsections 7h7 ?r\gh 7m7 respectively2 7,g7 9 subsection 7i71 z s r$esignat$-- 7i7 by /rik+ 7#a7 ,except z provid$ 9 p>agraph 7#b71 an & ins]t+ ,an2 & 7ii7 by /rik+ p>agraph 7#b72 & 7,h7 by add+ at ! end ! foll[+3 7n7 ,any agreem5t ( ! debtor ent]$ into be=e ! fil+ ( ! petition to waive ! provisions ( ?is section or any o!r provision ( ?is title is void4 4 7#b7 ,con=m+ am5dm5ts 7,a7 ,section #aeai7;f7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #cfb7o7 & ins]t+ section #cfb7m74 7,b7 ,section #aeba7;f7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #cfb7o7 & ins]t+ section #cfb7m74 7v7 ,use1 sale1 or lease ( prop]ty ,section #cfc ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7c77#a7 by /rik+ section #gba1 #aajh1 #aahc1 #aahd1 #abjc1 #abjd1 or #acjd ( ?is title & ins]t+ section #gba1 #ajjc1 #aajh1 #aahc1 #aahd1 #abjc1 or #abjd ( ?is title2 & 7#b7 9 subsection 7l7 by /rik+ "u *apt] #aa1 #ab1 or #ac ( ?is title & ins]t+ "u *apt] #aj1 #aa1 or #ab ( ?is title4 7w7 ,obta9+ cr$it ,section #cfd7;a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #gba1 #aajh1 #aahc1 #aahd1 #abjc1 #abjd1 or #acjd ( ?is title1 & ins]t+ section #gba1 #aajh1 #aahc1 #aahc1 #abjc1 or #abjd ( ?is title14 7x7 ,executory contracts & unexpir$ leases ,section #cfe ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7d77#b71 by /rik+ "u *apt] #i1 #aa1 #ab1 or #ac ( ?is title & ins]t+ "u *apt] #i1 #aj1 #aa1 or #ab ( ?is title2 7#b7 9 subsection 7g7-- 7,a7 9 p>agraph 7#a71 by /rik+ "u *apt] #i1 #aa1 #ab1 or #ac ( ?is title1 & ins]t+ "u *apt] #i1 #aj1 #aa1 or #ab ( ?is title12 & 7,b7 9 p>agraph 7#b7-- 7i7 9 ! matt] prec$+ subp>agraph 7,a71 by /rik+ "u *apt] #i1 #aa1 #ab1 or #ac ( ?is title & ins]t+ "u *apt] #i1 #aj1 #aa1 or #ab ( ?is title2 7ii7 9 subp>agraph 7,a7 by /rik+ "u section #aaab1 #abjh or #acjg ( ?is title1 & ins]t+ "u section #ajje1 #ajec7;c71 #aaab1 or #abjh ( ?is title12 & 7iii7 9 subp>agraph 7,b71 9 ! matt] prec$+ clause 7i71 by /rik+ "u section #aaab1 #abjh or #acjg ( ?is title & ins]t+ "u section #ajje1 #ajec7;c71 #aaab1 or #abjh ( ?is title2 & 7#c7 by /rik+ subsection 7p7 & ins]t+ ! foll[+3 7p7 ,not)/&+ any provision 9 a lease or applicable nonbankruptcy law1 ! foll[+ %all apply3 7#a7 7,a7 ,if ! debtor is an individual1 ! tru/ee %all be deem$ to h ab&on$ any unexpir$ lease ( resid5tial real prop]ty t is ! debtor's pr9cipal resid5ce ( :i* ! debtor or ! debtor's sp\se or dep5d5ts is a t5ant4 7,b7 7i7 ,not)/&+ any o!r provision ( ?is section1 ! debtor may assume su* a lease-- 7,i7 )\t cur+ any monet>y defaults "u ! lease t aggregate no m ?an ! am\nt describ$ 9 clause 7iii72 & 7,,ii7 )\t adequate assurance ( future p]=mance4 7ii7 ,if !re are monet>y defaults "u ! lease t aggregate to m ?an ! am\nt describ$ 9 clause 7iii71 ! debtor may n assume su* lease unless all monet>y defaults 9 excess ( ! am\nt describ$ 9 clause 7iii7 are cur$4 7iii7 ,! am\nt describ$ 9 ?is clause is ! am\nt equal to #f times ! mon?ly r5t to be paid by ! debtor "u ! lease4 7,c7 ,any monet>y defaults on su* a lease left uncur$ %all become claims aga9/ ! e/ate 9 accordance ) section #cfe7;g74 7,d7 7i7 ,all non-monet>y defaults on su* a lease %all be deem$ waiv$1 except ^? relat+ to heal? or safety1 :i* %all require p]mission ( ! c\rt to waive or modify if ! lessor objects to _! waiv] or modification4 7ii7 ,any pecuni>y loss 9 accordance ) su* a non-monet>y default %all con/itute a claim aga9/ ! e/ate 9 accordance ) subsection #cfe7;g74 7,e7 ,su* a lease n assum$ by ! debtor1 includ+ satisfaction or adequate assurance ( any cure requir$ )9 #fj days ( ! ord] ( relief1 "u ?is p>agraph %all return to ! bankruptcy e/ate4 7#b7 7,a7 ,if ! debtor is an individual & if an unexpir$ lease ( prop]ty n subject to p>agraph 7#a7 is reject$ or n timely assum$ by ! tru/ee "u subsection 7d71 ! debtor may move to assume ! lease4 7,b7 ,! c\rt-- 7i7 may approve su* an assumption if ! debtor cures any monet>y default )9 #ij days aft] ! date ( assumption2 & 7ii7 %all )hold any dis*>ge ( ! debtor until su* cure is made4 7,c7 ,! debtor's int]e/ 9 ! lease or prop]ty t is ! subject ( ! lease ceases to be prop]ty ( ! e/ate if-- 7i7 ! debtor fails to move to assume ! lease )9 #ad days aft] ! lease is reject$ or n timely assum$ by ! tru/ee2 or 7ii7 ! debtor's motion to assume ! lease is d5i$4 7,d7 ,all non-monet>y defaults on su* a lease %all be deem$ waiv$ except ^? relat+ to heal? or safety1 :i* %all require p]mission ( ! c\rt ^u motion to waive or modify if ! lessor objects to _! waiv] or modification4 7#c7 ,9 ?is subsection1 ! t]m lease does n include-- 7,a7 an agreem5t t is a security int]e/ "u applicable nonbankruptcy law1 irrespective ( its =m2 or 7,b7 a lease ! t]m ( :i* ext5ds beyond ! rema9+ economic life ( ! prop]ty4 4 7y7 ,utility s]vice ,section #cff7;b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ,su* utility & ins]t+ ,9 a case o!r ?an "u *apt] #aj ( ?is title1 su* utility4 7z7 ,fil+ ( pro(s ( claims or int]e/s ,section #eja ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 7f7 7#a7 ,any cr$itor t files a claim1 & any attorney repres5t+ su* cr$itor1 %all at ! "t ( fil+ c]tify1 "u p5alty ( p]jury1 :e!r ! cr$itor has a b5eficial int]e/ 9 ! claim & to :at ext5t4 7#b7 ,if ! cr$itor does n hold ! entire b5eficial int]e/ 9 ! claim1 ! cr$itor %all disclose 9 ! c]tification "u p>agraph 7#a7 ! id5tity ( ! p>ty or p>ties hold+ ! b5eficial int]e/4 7#c7 ,! cr$itor %all promptly notify ! c\rt1 ! tru/ee1 ! ,unit$ ,/ates ,tru/ee1 & ! debtor ( any updates necess>y to ma9ta9 ! accuracy ( ! c]tification "u p>agraph 7#a74 7g7 ,! fil+ ( a claim "u ?is title %all n revive any p]iod ( limitations "u applicable nonbankruptcy law4 4 7aa7 ,all[ance ( claims or int]e/s 7#a7 ,9 g5]al ,section #ejb ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 subsection 7b7-- 7i7 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ subsections 7e77#b71 7f71 7g71 7h71 & 7i7 & ins]t+ subsections 7c71 7f77#b71 7g71 7h71 7i71 & 7j72 7ii7 9 p>agraph 7#b71 by /rik+ int]e/2 & ins]t+ int]e/1 includ+ "u a prepaym5t p5alty1 yield ma9t5ance clause1 make-:ole clause1 or simil> contractual provision22 7iii7 by r$esignat+ p>agraphs 7#c7 ?r\gh 7#i7 z p>agraphs 7#e7 ?r\gh 7#aa71 respectively2 7iv7 by ins]t+ aft] p>agraph 7#b7 ! foll[+3 7#c7 su* claim is = attorneys' fees incurr$ aft] ! entry ( ! ord] = relief "u ?is title1 except to ! ext5t p]mitt$ "u section #ejc or #ejf ( ?is title2 7#d7 not)/&+ section #ejf7;b71 su* claim is = a fee incurr$ "u section #aicj7;b7 ( title #bh2 2 7v7 9 p>agraph 7#aj71 z s r$esignat$1 by /rik+ or at ! end2 & 7vi7 9 p>agraph 7#aa71 z s r$esignat$1 by /rik+ may provide1 & all t foll[s & ins]t+ may provide42 7,b7 by /rik+ subsection 7k72 7,c7 by r$esignat+ subsections 7d71 7e71 7f71 7g71 7h71 7i71 & 7j7 z subsections 7e71 7f71 7g71 7h71 7i71 7j71 & 7k71 respectively2 7,d7 by ins]t+ aft] subsection 7c7 ! foll[+3 7d7 ,! c\rt %all1 aft] notice & a he>+1 disall[ any claim if-- 7#a7 ! cr$itor1 an affiliate ( ! cr$itor1 an ag5t ( ! cr$itor1 a direct or indirect transf]or ( ! claim to ! cr$itor1 or an affiliate ( su* transf]or engag$ 9 inequitable conduct 7:i* %all include a violation ( ,f$]al or ,/ate law7 t h>m$ ! debtor1 :e!r or n ! inequitable conduct 0 connect$ ) ! claim or an obligation t gave rise to ! claim2 or 7#b7 ! cr$itor1 an affiliate ( ! cr$itor1 an ag5t ( ! cr$itor1 a direct or indirect transf]or ( ! claim to ! cr$itor1 or an affiliate ( su* transf]or violat$ a ,f$]al consum] f9ancial law1 z def9$ 9 section #ajjb ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha71 9 connection ) ! claim or an obligation t gave rise to ! claim4 2 7,e7 9 subsection 7e71 z s r$esignat$1 by /rik+ or #gbd7;a7 ( ?is title & ins]t+ #gbd7;a7 or #ajda ( ?is title2 7,f7 9 subsection 7f71 z s r$esignat$1 9 p>agraph 7#b71 by /rik+ or disall[$ "u subsection 7d7 & ins]t+ or disall[$ "u subsection 7d7 or 7e72 7,g7 9 subsection 7g71 z s r$esignat$1 by /rik+ or disall[$ "u subsection 7d7 or 7e7 & ins]t+ or disall[$ "u subsection 7d71 7e71 or 7f72 7,h7 9 subsection 7h71 z s r$esignat$-- 7i7 9 p>agraph 7#a7-- 7,i7 by /rik+ *apt] #i1 #aa1 #ab1 or #ac & ins]t+ *apt] #i1 #aj1 #aa1 or #ab2 & 7,,ii7 by /rik+ or disall[$ "u subsection 7d7 or 7e7 & ins]t+ or disall[$ "u subsection 7d71 7e71 or 7f72 & 7ii7 9 p>agraph 7#b71 by /rik+ or disall[$ "u subsection 7d7 or 7e7 & ins]t+ or disall[$ "u subsection 7d71 7e71 or 7f72 7,i7 9 subsection 7i71 z s r$esignat$1 by /rik+ or disall[$ "u subsection 7d7 or 7e7 & ins]t+ or disall[$ "u subsection 7d71 7e71 or 7f72 7,j7 9 subsection 7j71 z s r$esignat$1 by /rik+ or disall[$ "u subsection 7d7 or 7e7 & ins]t+ or disall[$ "u subsection 7d71 7e71 or 7f72 7,k7 by add+ at ! end ! foll[+3 7l7 7#a7 7,a7 ,if a claim t is disall[$ "u subsection 7b7 ( ?is section 0 fil$ 9 bad fai?1 ! c\rt %all grant judgm5t aga9/ ! cr$itor & 9 favor ( ! e/ate =-- 7i7 co/s & reasonable attorneys' fees2 & 7ii7 punitive damages1 z are necess>y to det] future bad fai? claim fil+ by ! cr$itor4 7,b7 ,a claim fil$ 9 bad fai? includes a claim t is fil$ )\t an actual1 reasonable1 good fai? belief t ! debt on :i* x is bas$ is )9 ! applicable /atutory limitations p]iod4 7,c7 ,n m ?an #ej p]c5t ( ! total am\nt ( any punitive damages aw>d$ to ! e/ate "u subp>agraph 7,a7 %all be res]v$ = ! tru/ee1 debtor1 or bo? & %all be exempt f ! prop]ty ( ! e/ate1 not)/&+ section #ebb4 7#b7 ,if a claim is disall[$ "u subsection 7d71 ! c\rt %all grant judgm5t aga9/ ! cr$itor & 9 favor ( ! e/ate = co/s & reasonable attorneys' fees4 7#c7 ,! e/ate may (fset ! liability ( a cr$itor "u ?is subsection aga9/ any di/ribution to be made on ! claim ( ! cr$itor4 4 7#b7 ,con=m+ am5dm5ts 7,a7 ,section #aja ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ 9 p>agraph 7#ab77;,b71 z r$esignat$ by ?is section1 by /rik+ #ejb7;f71 #ejb7;g71 #ejb7;h71 or #ejb7;i7 & ins]t+ subsection 7g71 7h71 7i71 or 7j7 ( section #ejb4 7,b7 ,section #eja7;d7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ 9 section #ejb7;e77#b71 #ejb7;f71 #ejb7;g71 #ejb7;h71 or #ejb7;i7 & ins]t+ 9 subsection 7f77#b71 7g71 7h71 7i71 or 7j7 ( section #ejb4 7,c7 ,section #ejc7;b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7i7 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ section #ejb7;f7 & ins]t+ section #ejb7;g72 & 7ii7 9 p>agraph 7#g71 by /rik+ section #ejb7;b77#f7 & ins]t+ section #ejb7;b77#h74 7,d7 ,section #ejf7;d77#a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ejb7;b77#e7 or #ejb7;e7 & ins]t+ subsection 7b77#g7 or 7f7 ( section #ejb4 7,e7 ,section #ejg7;a77#c7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ejb7;f7 & ins]t+ section #ejb7;g74 7,f7 ,section #eji7;b77#a77;,b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ejb7;e7 & ins]t+ section #ejb7;f74 7,g7 ,section #edd7;b77#a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ejb7;e7 & ins]t+ section #ejb7;f74 7,h7 ,section #ibi ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ejb7;b77#f7 & ins]t+ section #ejb7;b77#h74 7,i7 ,section #aaad7;j7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ejb7;b77#g7 & ins]t+ section #ejb7;b77#i74 7,j7 ,section #aada7;d77#a77;,a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ejb7;g71 #ejb7;h71 or #ejb7;i7 & ins]t+ subsection 7h71 7i71 or 7j7 ( section #ejb4 7,k7 ,section #abcb7;d77#d7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ or disall[$ "u subsection 7d7 or 7e7 ( section #ejb & ins]t+ or disall[$ "u subsection 7d71 7e71 or 7f7 ( section #ejb4 7,l7 ,section #caa ( ,,promesa 7#dh ,u4,s4,c4 #baga7 is am5d$ by /rik+ #ejb7;b77#f7 & ins]t+ #ejb7;b77#h74 7bb7 ,det]m9ation ( secur$ /atus ,section #ejf ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a71 by /rik+ p>agraph 7#b7 & ins]t+ ! foll[+3 7#b7 ,9 a case "u *apt] #aj ( ?is title1 any int]e/ ( a cr$itor 9 prop]ty ( ! debtor or ! e/ate %all be det]m9$ by its realizable value z ( ! date ( ! fil+ ( ! petition4 2 7#b7 9 subsection 7b71 by /rik+ int]e/ on su* claim1 & all t foll[s & ins]t+ int]e/ on su* claim & any reasonable fees1 co/s1 or *>ges provid$ = "u ! agreem5t or applicable nonbankruptcy law "u :i* su* claim arose1 ) po/-petition int]e/ cr$it$ to ! all[$ secur$ claim be=e o!r fees1 co/s1 or *>ges42 & 7#c7 9 subsection 7d71 9 ! matt] prec$+ p>agraph 7#a7 by /rik+ all[$ secur$ claim1 & ins]t+ all[$ secur$ claim pursuant to subsection 7a714 7cc7 ,priorities 7#a7 ,9 g5]al ,section #ejg7;a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 p>agraph 7#a7-- 7i7 by /rik+ subp>agraph 7,b72 7ii7 by r$esignat+ subp>agraph 7,c7 z subp>agraph 7,b72 & 7iii7 9 subp>agraph 7,b71 z s r$esignat$-- 7,i7 by /rik+ #gja1 #gjb1 #gjc1 #aajd1 #abjb1 or #acjb & ins]t+ #ajja1 #aajd1 or #abjb2 & 7,,ii7 by /rik+ subp>agraphs 7,a7 & 7,b7 & ins]t+ subp>agraph 7,a72 & 7,b7 9 p>agraph 7#g71 by ins]t+ includ+ ! pur*ase ( a /ore gift c>d1 aft] pur*ase ( s]vices14 7#b7 ,con=m+ am5dm5ts 7,a7 ,section #gbd7;b77#b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ejg7;a77#a77;,c7 & ins]t+ section #ejg7;a77#a77;,b74 7,b7 ,section #abbb7;a77#d7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7i7 9 p>agraph 7#c71 by add+ & at ! end2 7ii7 by /rik+ p>agraph 7#d72 & 7iii7 by r$esignat+ p>agraph 7#e7 z p>agraph 7#d74 7dd7 ,rate ( int]e/ on tax claims ,section #eaa ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 7c7 ,?is section %all n apply 9 a case "u *apt] #aj ( ?is title4 4 7ee7 ,debtor's duties ,section #eba1 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ subsections 7a7 ?r\gh 7j7 & ins]t+ ! foll[+3 7a7 ,! debtor %all-- 7#a7 file-- 7,a7 a li/ ( cr$itors2 & 7,b7 unless ! c\rt ord]s o!rwise-- 7i7 a s*$ule ( assets & liabilities2 7ii7 a s*$ule ( curr5t income & curr5t exp5ditures2 7iii7 a /atem5t ( ! debtor's f9ancial affairs2 7iv7 a /atem5t disclos+ any reasonably anticipat$ increase 9 income or exp5ditures ov] ! #ab-mon? p]iod foll[+ ! date ( ! fil+ ( ! petition2 & 7v7 if ! debtor's annual income creates or increases ! m9imum paym5t obligation z describ$ 9 clause 7ii7 or 7iii7 ( section #aja7ed77;,b7 ( ?is title-- 7,i7 a /atem5t ( ! debtor's annual income2 & 7,,ii7 ! calculations t det]m9e ! am\nt by :i* ! debtor's annual income creates or increases ! m9imum paym5t obligation2 7#b7 if a tru/ee is s]v+ 9 ! case1 coop]ate ) ! tru/ee z necess>y to enable ! tru/ee to p]=m ! tru/ee's duties "u ?is title2 7#c7 appe> at ! he>+ requir$ "u section #ebd7;d7 ( ?is title2 & 7#d7 unless a tru/ee is s]v+ 9 ! case1 cont9ue to p]=m ! obligations requir$ ( ! adm9i/rator 7z def9$ 9 section #c ( ! ,employee ,retirem5t ,income ,security ,act ( #aigd7 ( an employee b5efit plan if at ! "t ( ! comm5cem5t ( ! case ! debtor 7or any entity designat$ by ! debtor7 s]v$ z su* adm9i/rator4 7b7 ,9 a case "u *apt] #aj ( ?is title3 7#a7 ,n lat] ?an #g days be=e ! date fir/ set = ! fir/ meet+ ( cr$itors1 ! debtor %all provide to ! tru/ee docum5tation t e/abli%es ! debtor's income 9 "o or m ( ! foll[+ =ms3 7,a7 ,"o or m paym5t advices1 issu$ )9 #fj days be=e ! date ( ! fil+ ( ! petition1 %[+ ! debtor's ye>-to-date income4 7,b7 ,a copy ( ! ,f$]al income tax return requir$ "u applicable law 7or at ! election ( ! debtor1 a transcript ( su* return7 = ! mo/ rec5t tax ye> end+ imm$iately be=e ! comm5cem5t ( ! case & = :i* a ,f$]al income tax return 0 fil$4 7,c7 ,a ,w-#b =m issu$ by ea* employ] = ! tax ye> prec$+ ! ye> ! petition is fil$4 7,d7 ,o!r evid5ce ( paym5t receiv$ )9 #fj days be=e ! date ( ! fil+ ( ! petition t e/abli%es ! debtor's income4 7#b7 ,if ! debtor's annual income creates or increases ! m9imum paym5t obligation z describ$ 9 clause 7ii7 or 7iii7 ( section #aja7ed77;,b7 ( ?is title1 ! debtor %all1 to ! ext5t n already provid$ "u p>agraph 7#a71 provide to ! tru/ee z docum5tation ( income-- 7,a7 a copy ( ! ,f$]al income tax return requir$ "u applicable law 7or at ! election ( ! debtor1 a transcript ( su* return7 = ! mo/ rec5t tax ye> end+ imm$iately be=e ! comm5cem5t ( ! case & = :i* a ,f$]al income tax return 0 requir$ & fil$2 & 7,b7 copies ( all paym5t advices or o!r evid5ce ( paym5t receiv$ )9 #fj days be=e ! date ( ! fil+ ( ! petition1 by ! debtor f any employ] ( ! debtor4 7#c7 ,not)/&+ p>agraphs 7#a7 & 7#b71 ! debtor %all provide additional docum5tation ( income if reque/$ by ! tru/ee or ! ,unit$ ,/ates tru/ee ^u reasonable gr\nds to believe ! debtor's actual income is great] ?an disclos$ & w\ld create or increase ! m9imum paym5t obligation z describ$ 9 clause 7ii7 or 7iii7 ( section #aja7ed77;,b7 ( ?is title4 7c7 ,if ! s*$ule ( curr5t income requir$ by subsection 7a77#a77;,b77ii7 discloses income t is n m ?an #hj p]c5t ( ! am\nt ( annual income t w\ld trigg] ! docum5tation obligations 9 subsection 7b77#b7 & 9 ! abs5ce ( actual k ( facts to ! contr>y1 an attorney = ! debtor or a bankruptcy petition prep>] = ! debtor "u section #aaj ( ?is title may rely on ! s*$ule ( curr5t income to det]m9e t-- 7#a7 ! docum5tation requirem5ts ( subsection 7b77#b7 d n apply2 & 7#b7 ! debtor is n requir$ to file ! /atem5t ( annual income requir$ by subsection 7a77#a77;,b77v74 7d7 ,9 a case "u *apt] #g or #aa3 7#a7 ,! debtor %all provide-- 7,a7 n lat] ?an #g days be=e ! date fir/ set = ! fir/ meet+ ( cr$itors1 to ! tru/ee a copy ( ! ,f$]al income tax return requir$ "u applicable law 7or at ! election ( ! debtor1 a transcript ( su* return7 = ! mo/ rec5t tax ye> end+ imm$iately be=e ! comm5cem5t ( ! case & = :i* a ,f$]al income tax return 0 fil$2 & 7,b7 at ! same "t ! debtor complies ) subp>agraph 7,a71 a copy ( su* return 7or if elect$ "u subp>agraph 7,a71 su* transcript7 to any cr$itor t timely reque/s su* copy4 7#b7 ,if ! debtor fails to comply ) subp>agraph 7,a7 or 7,b7 ( p>agraph 7#a71 ! c\rt %all dismiss ! case unless ! debtor demon/rates t ! failure to s comply is due to circum/ances beyond ! debtors's control4 7#c7 ,if a cr$itor reque/s a copy ( su* tax return or su* transcript & if ! debtor fails to provide a copy ( su* tax return or su* transcript to su* cr$itor at ! "t ! debtor provides su* tax return or su* transcript to ! tru/ee1 ! c\rt %all dismiss ! case unless ! debtor demon/rates t ! failure to provide a copy ( su* tax return or su* transcript is due to circum/ances beyond ! debtor's control4 7e7 ,failure by ! debtor to disclose a cause ( action 9 a s*$ule requir$ to be fil$ "u ?is section %all n alone be gr\nds to dismiss a lawsuit br\ght to en=ce ! cause ( action4 7f7 ,if reque/$ by ! ,unit$ ,/ates tru/ee or by ! tru/ee1 ! debtor %all provide-- 7#a7 a docum5t t e/abli%es ! id5tity ( ! debtor1 includ+ a driv]'s lic5se1 passport1 or o!r docum5t t conta9s a photograph ( ! debtor2 or 7#b7 su* o!r p]sonal id5tify+ in=mation relat+ to ! debtor t e/abli%es ! id5tity ( ! debtor4 7g7 ,at ! reque/ ( ! c\rt1 ! tru/ee1 or ! ,unit$ ,/ates tru/ee1 a debtor "u *apt] #aj or #aa :o is an individual %all file ) ! c\rt-- 7#a7 at ! same "t fil$ ) ! tax+ au?ority1 a copy ( ea* ,f$]al income tax return requir$ "u applicable law 7or at ! election ( ! debtor1 a transcript ( su* tax return7 ) respect to ea* tax ye> ( ! debtor end+ :ile ! case is p5d+ "u su* *apt]2 7#b7 at ! same "t fil$ ) ! tax+ au?ority1 ea* ,f$]al income tax return requir$ "u applicable law 7or at ! election ( ! debtor1 a transcript ( su* tax return7 t _h n be5 fil$ ) su* au?ority z ( ! date ( ! comm5cem5t ( ! case & t 0 subsequ5tly fil$ = any tax ye> ( ! debtor end+ 9 ! #c-ye> p]iod end+ on ! date ( ! comm5cem5t ( ! case2 & 7#c7 a copy ( ea* am5dm5t to any ,f$]al income tax return or transcript fil$ ) ! c\rt "u p>agraph 7#a7 or 7#b74 7h7 7#a7 ,not)/&+ any o!r provision ( ?is title1 if ! debtor fails to file a tax return t becomes due aft] ! comm5cem5t ( ! case or to prop]ly obta9 an ext5sion ( ! due date = fil+ su* return1 ! tax+ au?ority may reque/ t ! c\rt ent] an ord] conv]t+ or dismiss+ ! case4 7#b7 ,if ! debtor does n file ! requir$ return or obta9 ! ext5sion ref]r$ to 9 p>agraph 7#a7 )9 #ij days aft] a reque/ is fil$ by ! tax+ au?ority "u t p>agraph1 ! c\rt %all conv]t or dismiss ! case1 :i*ev] is 9 ! be/ int]e/s ( cr$itors & ! e/ate4 4 7ff7 ,exemptions 7#a7 ,9 g5]al ,section #ebb ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ subsections 7a7 ?r\gh 7q7 & ins]t+ ! foll[+3 7a7 ,9 ?is section-- 7#a7 ! t]m con=m+ loan limit means t applicable limitation = ! debtor's c\nty ( resid5ce gov]n+ ! maximum orig9al pr9cipal obligation = a mortgage secur$ by a s+le-family resid5ce1 z det]m9$ & adju/$ annually "u section #cjb7;b77#b7 ( ! ,f$]al ,national ,mortgage ,association ,*>t] ,act 7#ab ,u4,s4,c4 #agag7;b77#b77 & section #cje7;a77#b7 ( ! ,f$]al ,home ,loan ,mortgage ,corporation ,act 7#ab ,u4,s4,c4 #aded7;a77#b772 7#b7 ! t]m dep5d5t includes sp\se1 :e!r or n actually dep5d5t2 & 7#c7 ! t]m value means value-- 7,a7 z ( ! date ( ! fil+ ( ! petition2 or 7,b7 ) respect to prop]ty t becomes prop]ty ( ! e/ate aft] su* date1 z ( ! date su* prop]ty becomes prop]ty ( ! e/ate4 7b7 7#a7 ,not)/&+ section #eda ( ?is title1 an individual debtor may elect to exempt f prop]ty ( ! e/ate ei!r ! prop]ty li/$ 9 p>agraph 7#b7 or1 9 ! alt]native1 ! prop]ty li/$ 9 p>agraph 7#c74 7#b7 7,a7 ,! prop]ty li/$ 9 ?is p>agraph is ! foll[+3 7i7 ,! debtor's int]e/ 9 ! debtor's pr9cipal resid5ce1 n to exce$-- 7,i7 #ge p]c5t ( ! con=m+ loan limit1 if ! debtor is age #fe or old] on ! date ( ! petition n to exce$ n to exce$2 & 7,,ii7 #ej p]c5t ( ! con=m+ loan limit 9 any o!r case4 7ii7 ,! debtor's aggregate int]e/1 unlimit$ 9 am\nt except z provid$ 9 subp>agraph 7,b71 9 ! foll[+3 7,i7 ,pr(essionally prescrib$ heal? aids = ! debtor or a dep5d5t ( ! debtor4 7,,ii7 ,! debtor's "r to receive1 or prop]ty t is traceable to-- 7aa7 a social security b5efit1 railroad retirem5t b5efit1 gov]nm5t p5sion or retirem5t b5efit1 unemploym5t comp5sation1 or a local public assi/ance b5efit2 7bb7 a vet]ans' b5efit2 7cc7 a disability1 illness1 or unemploym5t b5efit2 7dd7 alimony1 support1 or sep>ate ma9t5ance2 7ee7 a paym5t "u a /ock bonus1 p5sion1 pr(it %>+1 annuity1 or simil> plan or contract on acc\nt ( illness1 disability1 dea?1 age1 or l5g? ( s]vice1 unless-- 7,,aa7 su* plan or contract 0 e/abli%$ by or "u ! auspices ( an insid] t employ$ ! debtor at ! "t ! debtor's rights "u su* plan or contract arose2 7,,bb7 su* paym5t is on acc\nt ( age or l5g? ( s]vice2 & 7,,cc7 su* plan or contract does n qualify "u section #dja7;a71 #djc7;a71 #djc7;b71 or #djh ( ! ,int]nal ,rev5ue ,code ( #aihf2 7ff7 an aw>d "u a crime victim's rep>ation law2 7gg7 a paym5t on acc\nt ( ! wrongful dea? ( an individual ( :om ! debtor 0 a dep5d5t1 except to ! ext5t t su* paym5t is = punitive damages2 7hh7 a paym5t "u a life insurance contract t insur$ ! life ( an individual ( :om ! debtor 0 a dep5d5t on ! date ( su* individual's dea?2 7ii7 a paym5t on acc\nt ( p]sonal bodily injury1 pa9 & suff]+1 or comp5sation = actual pecuni>y loss1 ( ! debtor or an individual ( :om ! debtor is a dep5d5t1 except to ! ext5t t su* paym5t is = punitive damages2 7jj7 a paym5t 9 comp5sation ( loss ( future e>n+s ( ! debtor or an individual ( :om ! debtor is or 0 a dep5d5t2 7kk7 retirem5t funds1 includ+ a direct transf] ( retirem5t funds f a fund or acc\nt t is exempt f taxation "u section #dja1 #djc1 #djh1 #djh;,a1 #dad1 #deg1 or #eja7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf1 "u section #dja7;a77#ca7 ( ! ,int]nal ,rev5ue ,code ( #aihf1 or o!rwise1 or a di/ribution t qualifies z an eligible rollov] di/ribution )9 ! mean+ ( section #djb7;c7 ( ! ,int]nal ,rev5ue ,code ( #aihf or has be5 di/ribut$ f a fund or acc\nt t is exempt f taxation "u section #dja1 #djc1 #djh1 #djh;,a1 #dad1 #deg1 or #eja7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf & to ! ext5t all[$ by law is deposit$ 9 su* a fund or acc\nt n lat] ?an #fj days aft] ! di/ribution ( su* am\nt1 to ! ext5t t ^? funds are or 7 9 a fund or acc\nt t is exempt f taxation "u section #dja1 #djc1 #djh1 #djh;,a1 #dad1 #deg1 or #eja7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf2 or 7ll7 a tax cr$it = e>n$ income "u section #cb ( ! ,int]nal ,rev5ue ,code ( #aihf4 7iii7 ,! debtor's int]e/ 9 any o!r prop]ty up to #cj1jjj 9 aggregate value4 7,b7 7i7 ,! c\rt on its own motion1 or ^u motion by ! tru/ee or ,unit$ ,/ates tru/ee1 may limit ! am\nt prop]ty exempt "u item 7dd71 7ee71 7hh71 7jj71 or 7kk7 ( subp>agraph 7,a77ii77,,ii7 aft] notice & he>+ if x det]m9es t su* prop]ty is manife/ly unnecess>y = ! support ( ! debtor or ! debtor's dep5d5ts4 7ii7 ,!re %all be a rebuttable presumption t aggregate value ( prop]ty describ$ 9 any su* item 9 excess ( #a1ejj1jjj is manife/ly unnecess>y = ! support ( ! debtor or ! debtor's dep5d5ts4 7,c7 7i7 ,if ! debtor has a dep5d5t1 ! debtor may d\ble ! exemption am\nts "u subp>agraph 7,a77iii7 unless ! dep5d5t is fil+ a concurr5t petition or has fil$ a petition )9 ! previ\s #f ye>s4 7ii7 ,! debtor may increase ! am\nts exempt "u subp>agraph 7,a77iii7 9 accordance ) ! numb] ( additional dep5d5ts n claim$ "u clause 7i7 ( ?is subp>agraph by-- 7,i7 #be p]c5t = ! fir/ additional dep5d5t2 7,,ii7 an additional #aj p]c5t = ! second additional dep5d5t2 7,,iii7 an additional #e p]c5t = ! ?ird additional dep5d5t2 & 7,,iv7 an additional #a p]c5t = ea* additional dep5d5t beyond ! ?ird4 7iii7 ,if a debtor has be5 claim$ z dep5d5t "u ?is subp>agraph on a previ\s debtor's petition )9 ! pa/ #f ye>s1 ! c\rt may r$uce ! am\nt ( su* debtor's exemptions "u ?is subp>agraph z ! equities ( ! case require4 ,!re %all be a rebuttable presumption t an int]v5+ *ange 9 family circum/ances1 su* z sep>ation or divorce1 %all n require su* a r$uction4 7iv7 ,if a debtor has a dep5d5t t has be5 claim$ on ano!r debtor's petition "u ?is subp>agraph )9 ! pa/ #f ye>s1 ! c\rt may r$uce ! am\nt ( ! debtor's exemptions "u ?is subp>agraph z ! equities ( ! case require4 ,!re %all be a rebuttable presumption t an int]v5+ *ange 9 family circum/ances1 su* z sep>ation or divorce1 %all n require su* a r$uction4 7v7 ,:5 claim+ prop]ty z exempt f ! e/ate "u ?is subp>agraph1 ! debtor %all indicate on an (ficial =m prescrib$ by ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates 9 accordance ) ! ,f$]al ,rules ( ,bankruptcy ,proc$ure :e!r any ( ! debtor's dep5d5ts h fil$ = bankruptcy )9 ! previ\s #f ye>s or :e!r ?is in=mation is unkn[n4 7#c7 7,a7 ,! prop]ty li/$ 9 ?is p>agraph is ! foll[+3 7i7 ,subject to subp>agraphs 7,b7 ?r\gh 7,e71 any prop]ty t is exempt "u ,f$]al law1 o!r ?an p>agraph 7#b7 ( ?is subsection1 or ,/ate or local law t is applicable on ! date ( ! fil+ ( ! petition to ! place 9 :i* ! debtor's domicile has be5 locat$ = ! #gcj days imm$iately prec$+ ! date ( ! fil+ ( ! petition or if ! debtor's domicile has n be5 locat$ 9 a s+le ,/ate = su* #gcj-;day p]iod1 ! place 9 :i* ! debtor's domicile 0 locat$ = #ahj days imm$iately prec$+ ! #gcj-;day p]iod or = a long] portion ( su* #ahj-;day p]iod ?an 9 any o!r place4 7ii7 ,any int]e/ 9 prop]ty 9 :i* ! debtor _h1 imm$iately be=e ! comm5cem5t ( ! case1 an int]e/ z a t5ant by ! entirety or jo9t t5ant to ! ext5t t su* int]e/ z a t5ant by ! entirety or jo9t t5ant is exempt f process "u applicable nonbankruptcy law4 7iii7 ,retirem5t funds to ! ext5t t ^? funds are 9 a fund or acc\nt t is exempt f taxation "u section #dja1 #djc1 #djh1 #djh;,a1 #dad1 #deg1 or #eja7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf4 7,b7 7i7 ,not)/&+ any contr>y provision ( nonbankruptcy law1 ! exempt am\nt "u ?is p>agraph ( any home/ead acquir$ by ! debtor )9 ! #a-ye> p]iod imm$iately prec$+ ! date ( ! fil+ ( ! petition %all be limit$ to ! exempt am\nt ( value ( ! debtor's previ\s pr9cipal resid5ce4 7ii7 ,if ! value ( ! debtor's int]e/ 9 prop]ty claim$ z a pr9cipal resid5ce "u ?is p>agraph exce$s #a1jjj1jjj1 clause 7i7 applies to a pr9cipal resid5ce acquir$ )9 ! #c-ye> p]iod imm$iately prec$+ ! date ( fil+ ( ! petition4 7,c7 ,! value ( an int]e/ 9 ! debtor's pr9cipal resid5ce %all be r$uc$ to ! ext5t t su* value is attributable to any portion ( any prop]ty t ! debtor dispos$ ( 9 ! #aj-ye> p]iod end+ on ! date ( ! fil+ ( ! petition ) ! int5t to h9d]1 delay1 or defraud a cr$itor & t ! debtor c\ld n exempt1 or t portion t ! debtor c\ld n exempt "u ?is subsection if on su* date ! debtor _h held ! prop]ty s dispos$ (4 7,d7 7i7 ,except z provid$ 9 clause 7ii7 ( ?is subp>agraph & sections #edd & #edh1 z a result ( elect+ to exempt prop]ty "u ,/ate or local law "u subp>agraph 7,a77i71 a debtor may n exempt any am\nt ( int]e/ t 0 acquir$ by ! debtor dur+ ! #d-ye> p]iod prec$+ ! date ( ! fil+ ( ! petition t exce$s 9 ! aggregate #agj1jjj 9 value 9 ! debtor's pr9cipal resid5ce4 7ii7 7,i7 ,! limitation "u clause 7i7 %all n apply to an exemption claim$ "u subp>agraph 7,a77i7 by a family f>m] = ! pr9cipal resid5ce ( su* f>m]4 7,,ii7 ,= purposes ( clause 7i71 any am\nt ( su* int]e/ does n include any int]e/ transf]r$ f a debtor's previ\s pr9cipal resid5ce 7:i* 0 acquir$ prior to ! beg9n+ ( su* #d-ye> p]iod7 into ! debtor's curr5t pr9cipal resid5ce1 if ! debtor's previ\s & curr5t resid5ces are locat$ 9 ! same ,/ate4 7,e7 7i7 ,a debtor elect+ to exempt prop]ty "u ?is p>agraph may n exempt any am\nt ( an int]e/ 9 ! debtor's pr9cipal resid5ce t exce$s 9 ! aggregate #agj1jjj if-- 7,i7 ! c\rt det]m9es1 aft] notice & a he>+1 t ! debtor has be5 convict$ ( a felony 7z def9$ 9 section #caef ( title #ah71 :i* "u ! circum/ances demon/rates t ! fil+ ( ! case 0 an abuse ( ! provisions ( ?is title2 or 7,,ii7 ! debtor owes a debt aris+ f-- 7aa7 any violation ( ! ,f$]al securities laws 7z def9$ 9 section #c7;a77#dg7 ( ! ,securities ,ex*ange ,act ( #aicd71 any ,/ate securities laws1 or any regulation or ord] issu$ "u ,f$]al securities laws or ,/ate securities laws2 7bb7 fraud1 deceit1 or manipulation 9 a fiduci>y capacity or 9 connection ) ! pur*ase or sale ( any security regi/]$ "u section #ab or #ae7;d7 ( ! ,securities ,ex*ange ,act ( #aicd or "u section #f ( ! ,securities ,act ( #aicc2 7cc7 any civil rem$y "u section #aifd ( title #ah2 7dd7 = debts aris+ f a violation ( section #aigi ( ! ,revis$ ,/atutes 7#db ,u4,s4,c4 #aihc72 or 7ee7 any crim9al act1 int5tional tort1 or willful or reckless misconduct t caus$ s]i\s physical injury or dea? to ano!r individual 9 ! prec$+ #e ye>s4 7ii7 ,clause 7i7 %all n apply to ! ext5t ! am\nt ( an int]e/ 9 ! debtor's pr9cipal resid5ce is reasonably necess>y = ! support ( ! debtor or any dep5d5t ( ! debtor4 7#d7 7,a7 ,= ! purposes ( item 7kk7 ( p>agraph 7#b77;,a77ii77,,ii7 & clause 7iii7 ( p>agraph 7#c77;,a71 if ! tru/ee1 ,unit$ ,/ates tru/ee1 or c\rt on its own motion objects to retirem5t funds' /atus z exempt1 & if ^? retirem5t funds are 9 a retirem5t fund or acc\nt t has receiv$ a favorable det]m9ation "u section #ghje ( ! ,int]nal ,rev5ue ,code ( #aihf & t det]m9ation is 9 effect z ( ! date ( ! fil+ ( ! petition 9 a case "u ?is title1 ^? funds %all be presum$ to be exempt f ! e/ate4 7,b7 ,if ! retirem5t funds are 9 a retirem5t fund or acc\nt t has n receiv$ a favorable det]m9ation "u su* section #ghje1 ^? funds %all be exempt f ! e/ate if ! c\rt det]m9es t-- 7i7 no prior det]m9ation to ! contr>y has be5 made by a c\rt or ! ,int]nal ,rev5ue ,s]vice2 & 7ii7 7,i7 ! retirem5t fund is 9 sub/antial compliance ) ! applicable requirem5ts ( ! ,int]nal ,rev5ue ,code ( #aihf2 or 7,,ii7 ! retirem5t fund fails to be 9 sub/antial compliance ) ! applicable requirem5ts ( ! ,int]nal ,rev5ue ,code ( #aihf & ! debtor is n mat]ially responsible = t failure4 7#e7 7,a7 ,a direct transf] ( retirem5t funds f #a fund or acc\nt t is exempt f taxation "u section #dja1 #djc1 #djh1 #djh;,a1 #dad1 #deg1 or #eja7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf1 "u section #dja7;a77#ca7 ( ! ,int]nal ,rev5ue ,code ( #aihf1 or o!rwise1 %all n cease to qualify = exemption "u item 7kk7 ( p>agraph 7#b77;,a77ii77,,ii7 or clause 7iii7 ( p>agraph 7#c77;,a7 by reason ( su* direct transf]4 7,b7 7i7 ,any di/ribution t qualifies z an eligible rollov] di/ribution )9 ! mean+ ( section #djb7;c7 ( ! ,int]nal ,rev5ue ,code ( #aihf or t is describ$ 9 clause 7ii7 ( ?is subp>agraph %all n cease to qualify = exemption "u item 7kk7 ( p>agraph 7#b77;,a77ii77,,ii7 or clause 7iii7 ( p>agraph 7#c77;,a7 by reason ( su* di/ribution4 7ii7 ,a di/ribution describ$ 9 ?is clause is an am\nt t-- 7,i7 has be5 di/ribut$ f a fund or acc\nt t is exempt f taxation "u section #dja1 #djc1 #djh1 #djh;,a1 #dad1 #deg1 or #eja7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf2 & 7,,ii7 to ! ext5t all[$ by law1 is deposit$ 9 su* a fund or acc\nt n lat] ?an #fj days aft] ! di/ribution ( su* am\nt4 7#f7 7,a7 ,9 jo9t cases fil$ "u section #cjb ( ?is title & individual cases fil$ "u section #cja or #cjc ( ?is title by or aga9/ #b debtors :o are m>ri$ to ea* o!r1 & ^: e/ates are ord]$ to be jo9tly adm9i/]$ "u ! ,f$]al ,rules ( ,bankruptcy ,proc$ure1 ! debtors %all be deem$ to elect exempt prop]ty "u p>agraph 7#b7 unless !y bo? affirmatively elect to exempt prop]ty "u p>agraph 7#c74 7,b7 ,9 a jo9t case1 ! resid5ce exemptions 9 subp>agraphs 7#b77;,a77i7 & 7#c77;,a77i7 %all be allocat$ "o-half ea* to ea* debtor4 7,c7 ,! nonresid5ce exemptions 9 p>agraphs 7#b77;,a77iii7 & 7#c77;,a77iii7 %all apply sep>ately ) respect to ea* debtor 9 a jo9t case4 7c7 ,unless ! case is dismiss$1 prop]ty exempt$ "u ?is section is n liable dur+ or aft] ! case = any debt ( ! debtor t arose1 or t is det]m9$ "u section #ejb ( ?is title z if su* debt _h aris51 be=e ! comm5cem5t ( ! case1 except-- 7#a7 a debt ( a k9d specifi$ 9 p>agraph 7#e7 ( section #ebc7;a7 79 :i* case1 not)/&+ any provision ( applicable nonbankruptcy law to ! contr>y1 su* prop]ty %all be liable = a debt ( a k9d specifi$ 9 su* p>agraph72 or 7#b7 a debt secur$ by a li5 t is-- 7,a7 n avoid$ "u subsection 7e7 or 7g7 ( ?is section or "u section #edd1 #ede1 #edg1 #edh1 or #edi ( ?is title2 & 7,b7 n void "u section #ejf7;d7 ( ?is title4 7d7 7#a7 ,a waiv] ( an exemption execut$ 9 favor ( a cr$itor t holds an unsecur$ claim aga9/ ! debtor is un5=ceable 9 a case "u ?is title ) respect to su* claim aga9/ prop]ty t ! debtor may exempt "u subsection 7b74 7#b7 ,a waiv] by ! debtor ( a p[] "u subsection 7e7 or 7g7 to avoid a transf]1 "u subsection 7f7 or 7h7 to exempt prop]ty1 or "u subsection 7h7 to recov] prop]ty or to pres]ve a transf]1 is un5=ceable 9 a case "u ?is title4 7e7 7#a7 ,not)/&+ any waiv] ( exemptions1 ! debtor may avoid ! fix+ ( a li5 on an int]e/ ( ! debtor 9 prop]ty to ! ext5t t su* li5 impairs an exemption to :i* ! debtor w\ld h be5 entitl$ "u subsection 7b71 if su* li5 is-- 7,a7 a judicial li51 o!r ?an a judicial li5 t secures a debt ( a k9d t is specifi$ 9 section #ebc7;a77#e72 or 7,b7 a nonpossessory1 non-pur*ase-money security int]e/ 9 any p]sonal1 family1 or h\sehold goods or 9 any implem5ts1 pr(essional books1 or tools1 ( ! trade ( ! debtor or ! trade ( a dep5d5t ( ! debtor4 7#b7 7,a7 ,= ! purposes ( ?is subsection1 a li5 %all be consid]$ to impair an exemption to ! ext5t t ! sum (-- 7i7 ! li52 7ii7 all o!r li5s on ! prop]ty2 & 7iii7 ! am\nt ( ! exemption t ! debtor c\ld claim if !re 7 no li5s on ! prop]ty1 exce$s ! value t ! debtor's int]e/ 9 ! prop]ty w\ld h 9 ! abs5ce ( any li5s4 7,b7 ,9 ! case ( a prop]ty subject to m ?an #a li51 a li5 t has be5 avoid$ %all n be consid]$ 9 mak+ ! calculation "u subp>agraph 7,a7 ) respect to o!r li5s4 7,c7 ,?is p>agraph %all n apply ) respect to a judgm5t aris+ out ( a mortgage =eclosure4 7f7 ,not)/&+ sections #eej & #eea ( ?is title1 ! debtor may exempt "u subsection 7b7 ( ?is section prop]ty t ! tru/ee recov]s "u section #eaj7;c77#b71 #edb1 #edc1 #eej1 #eea1 or #eec ( ?is title1 to ! ext5t t ! debtor c\ld h exempt$ su* prop]ty "u subsection 7b7 ( ?is section if su* prop]ty _h n be5 transf]r$1 if-- 7#a7 7,a7 su* transf] 0 n a volunt>y transf] ( su* prop]ty by ! debtor2 & 7,b7 ! debtor did n conceal su* prop]ty2 or 7#b7 ! debtor c\ld h avoid$ su* transf] "u subsection 7e77#a7 ( ?is section4 7g7 ,! debtor may avoid a transf] ( prop]ty ( ! debtor or recov] a set(f to ! ext5t t ! debtor c\ld h exempt$ su* prop]ty "u subsection 7f77#a7 if ! tru/ee _h avoid$ su* transf]1 if-- 7#a7 su* transf] is avoidable by ! tru/ee "u section #edd1 #ede1 #edg1 #edh1 #edi1 or #ajda ( ?is title or recov]able by ! tru/ee "u section #eec ( ?is title2 & 7#b7 ! tru/ee does n attempt to avoid su* transf]4 7h7 7#a7 ,if ! debtor avoids a transf] or recov]s a set(f "u subsection 7e7 or 7g71 ! debtor may recov] 9 ! mann] prescrib$ by1 & subject to ! limitations (1 section #eej ( ?is title1 ! same z if ! tru/ee _h avoid$ su* transf]1 & may exempt any prop]ty s recov]$ "u subsection 7b74 7#b7 ,not)/&+ section #eea ( ?is title1 a transf] avoid$ "u section #edd1 #ede1 #edg1 #edh1 #edi1 or #ajda ( ?is title1 "u subsection 7e7 or 7g7 ( ?is section1 or prop]ty recov]$ "u section #eec ( ?is title1 may be pres]v$ = ! b5efit ( ! debtor to ! ext5t t ! debtor may exempt su* prop]ty "u subsection 7f7 ( ?is section or p>agraph 7#a7 ( ?is subsection4 7i7 ,not)/&+ subsections 7f7 & 7h71 ! debtor may exempt a p>ticul> k9d ( prop]ty "u subsections 7f7 & 7h7 only to ! ext5t t ! debtor has exempt$ less prop]ty 9 value ( su* k9d ?an t to :i* ! debtor is entitl$ "u subsection 7b74 7j7 ,prop]ty t ! debtor exempts "u ?is section is n liable = paym5t ( any adm9i/rative exp5se except-- 7#a7 ! aliquot %>e ( ! co/s & exp5ses ( avoid+ a transf] ( prop]ty t ! debtor exempts "u subsection 7f71 or ( recov]y ( su* prop]ty1 t is attributable to ! value ( ! portion ( su* prop]ty exempt$ 9 relation to ! value ( ! prop]ty recov]$2 & 7#b7 any co/s & exp5ses ( avoid+ a transf] "u subsection 7e7 or 7g71 or ( recov]y ( prop]ty "u subsection 7h77#a71 t ! debtor has n paid4 7k7 7#a7 7,a7 ,! debtor %all file a li/ ( prop]ty t ! debtor claims z exempt "u subsection 7b74 7,b7 ,if ! debtor does n file su* a li/1 a dep5d5t ( ! debtor may file su* a li/1 or may claim prop]ty z exempt f prop]ty ( ! e/ate on behalf ( ! debtor4 7#b7 ,unless a p>ty 9 int]e/ objects1 ! prop]ty claim$ z exempt on su* li/ is exempt4 4 7#b7 ,con=m+ am5dm5t 7,a7 ,section #cdi7;b77#a77;,b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #ebb7;i77#a71 & ins]t+ #ebb7;h77i714 7,b7 ,subsection 7e7 ( section #ejb ( title #aa1 ,unit$ ,/ates ,code1 z s r$esignat$ by subsection 7aa7 ( ?is section1 is am5d$-- 7i7 by /rik+ section #ebb7;f71 #ebb7;h71 & ins]t+ section #ebb7;e71 #ebb7;g712 & 7ii7 by /rik+ section #ebb7;i7 & ins]t+ section #ebb7;h74 7gg7 ,exceptions ,to dis*>ge ,section #ebc ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 ! matt] prec$+ p>agraph 7#a7-- 7i7 by /rik+ #gbg12 & 7ii7 by /rik+ #acbh7;b7& ins]t+ #ajca7;a72 7,b7 9 p>agraph 7#a77;,b71 9 ! matt] prec$+ clause 7i71 by ins]t+ subject to subsection 7f71 be=e ) respect2 7,c7 9 p>agraph 7#b7-- 7i7 9 subp>agraph 7,a71 by add+ or at ! end2 7ii7 9 subp>agraph 7,b71 by /rik+ or at ! end2 & 7iii7 by /rik+ subp>agraph 7,c72 7,d7 9 p>agraph 7#c7-- 7i7 9 subp>agraph 7,a71 by /rik+ 7#d71 or 7#f7 & ins]t+ 7#d71 7#f71 or 7#g72 & 7ii7 9 subp>agraph 7,b71 by /rik+ 7#d71 or 7#f7 & ins]t+ 7#d71 7#f71 or 7#g72 7,e7 by /rik+ p>agraph 7#g7 & ins]t+ ! foll[+3 7#g7 to ! ext5t su* debt is = a f9e1 p5alty1 or re/itution-- 7,a7 t is incurr$ 9 a crim9al proce$+ & specifically designat$ z a f9e1 p5alty1 or re/itution 9 ! s5t5c+ ord] ^u ! debtor's conviction2 7,b7 t is n-- 7i7 = ! co/ ( prosecut+ ! debtor1 includ+ ! co/ ( public def5se1 inc>c]ation1 probation1 or any div]sion program2 7ii7 = ! co/ ( op]at+ ! crim9al ju/ice sy/em or fund+ gov]nm5t functions2 7iii7 = ! co/ ( collect+ su* debt2 or 7iv7 a fee1 sur*>ge1 assessm5t1 or int]e/ or collection *>ge impos$ 9 connection ) su* debt2 & 7,c7 only if ! cr$itor demon/rates t ! debtor has sub/antial f9ancial res\rces t p]mit ! debtor to pay all or a significant portion ( ! f9e1 p5alty1 or re/itution =-- 7i7 a f9e1 p5alty1 or re/itution ) respect to :i* ! petition is fil$ on or aft] ! date t is #c ye>s aft] ! lat] (-- 7,i7 ! date ( ! s5t5c+ ord]2 or 7,,ii7 ! date on :i* ! debtor 0 releas$ f inc>c]ation pursuant to ! s5t5c+ ord]2 or 7ii7 a debt t is a tax p5alty-- 7,i7 relat+ to a tax ( a k9d n specifi$ 9 p>agraph 7#a7 ( ?is subsection2 or 7,,ii7 impos$ ) respect to a transaction or ev5t t occurr$ be=e #c ye>s be=e ! date ( ! fil+ ( ! petition2 2 7,f7 by /rik+ p>agraph 7#h72 7,g7 by r$esignat+ p>agraph 7#i7 z p>agraph 7#h72 7,h7 by ins]t+ aft] p>agraph 7#h71 z s r$esignat$1 ! foll[+3 7#i7 t 0 or c\ld h be5 li/$ or s*$ul$ by ! debtor 9 a prior case conc]n+ ! debtor "u ?is title 9 :i* ! debtor waiv$ a dis*>ge1 or 0 d5i$ a dis*>ge "u section #gbg7;a7 7#b71 7#c71 7#d71 7#e71 7#f71 or 7#g71 z 9 effect on ! day be=e ! date ( enactm5t ( ! ,consum] ,bankruptcy ,re=m ,act ( #bjbj1 or "u section #ajca1 unless su* debt 0 ! subject ( a writt5 waiv] ( dis*>ge & ! c\rt has made ! det]m9ation requir$ by section #ajca7;b77#c77;,b72 2 7,i7 by /rik+ p>agraphs 7#ad7 & 7#ad;,a72 7,j7 by r$esignat+ p>agraph 7#ad;,b7 z p>agraph 7#ad72 7,k7 9 p>agraph 7#af71 by ins]t+ & ! debtor or ! tru/ee possesses1 occupies1 or uses ! prop]ty aft] su* lot2 7,l7 by /rik+ p>agraph 7#ag72 7,m7 by r$esignat+ p>agraph 7#ah7 z p>agraph 7#ag72 & 7,n7 by /rik+ p>agraph 7#ai7 & ins]t+ ! foll[+3 7#ah7 = debts aris+ f a violation ( section #aigi ( ! ,revis$ ,/atutes 7#db ,u4,s4,c4 #aihc74 2 7#b7 9 subsection 7b71 by /rik+ 7a77#a71 7a77#c71 or 7a77#h7 & ins]t+ 7a77#a7 or 7a77#c72 7#c7 9 subsection 7c71 by add+ at ! end ! foll[+3 7#c7 ,not)/&+ subsection 7a7 ( ?is section1 ! debtor %all be dis*>g$ f a debt ( ! k9d specifi$ 9 subsection 7a77#g7 ( ?is section if ! s5t5c+ ord] fails to sep>ately li/ any fees1 co/s1 assessm5ts or sur*>ges 9 addition to any f9e1 p5alty1 or re/itution1 & su* fees1 co/s1 assessm5ts1 or sur*>ges are au?oriz$ to be assess$ "u nonbankruptcy law = ! p>ticul> crime committ$ by ! debtor1 unless-- 7,a7 ! s5t5c+ ord] expressly /ates t no fees1 co/s1 assessm5ts or sur*>ges are assess$ aga9/ ! debtor 9 addition to any f9e1 p5alty1 or re/itution2 or 7,b7 on reque/ ( ! cr$itor to :om su* debt is ow$1 & aft] notice & a he>+1 ! c\rt det]m9es su* debt %all n be dis*>g$ "u subsection 7a77#g7 ( ?is section4 2 & 7#d7 by add+ at ! end ! foll[+3 7f7 ,= purposes ( subp>agraph 7,b7 ( subsection 7a77#a71 a return-- 7#a7 mu/ satisfy ! requirem5ts ( applicable nonbankruptcy law2 7#b7 mu/ h be5 fil$ 9 a mann] p]mitt$ by applicable nonbankruptcy law reg>dless ( :e!r x 0 fil$ be=e or aft] any applicable deadl9e2 7#c7 includes a return prep>$ pursuant to section #fjbj7;a7 ( ! ,int]nal ,rev5ue ,code ( #aihf1 or simil> ,/ate or local law1 or a writt5 /ipulation to a judgm5t ent]$ by a nonbankruptcy tribunal2 & 7#d7 does n include a return made pursuant to section #fjbj7;b7 ( ! ,int]nal ,rev5ue ,code ( #aihf1 or simil> ,/ate or local law4 4 7hh7 ,effect ( dis*>ge ,section #ebd ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 p>agraph 7#a71 by /rik+ #gbg1 #idd1 #aada1 #aaib1 #abbh1 or #acbh & ins]t+ sections #gbg or #acbh1 z 9 effect on ! day be=e ! date ( enactm5t ( ! ,consum] ,bankruptcy ,re=m ,act ( #bjbj1 or sections #idd1 #ajca1 #aada1 #aaib1 or #abbh2 & 7,b7 9 p>agraph 7#c71 by /rik+ #aaib1 #aabh7;a77#a71 or #acbh7;a77#a7 & ins]t+ #ajca1 #aaib1 or #abbh7;a71 or section #acbh7;a77#a71 z 9 effect on ! day be=e ! date ( enactm5t ( ! ,consum] ,bankruptcy ,re=m ,act ( #bjbj2 7#b7 9 subsection 7b77#b77;,b71 by /rik+ #gbg & ins]t+ #ajca2 7#c7 by /rik+ subsection 7c7 & ins]t+ ! foll[+3 7c7 7#a7 ,a debtor t receives a dis*>ge "u section #ajca1 or section #gbg or #acbh1 z 9 effect on ! day be=e ! date ( enactm5t ( ! ,consum] ,bankruptcy ,re=m ,act ( #bjbj1 ! tru/ee1 ! ,unit$ ,/ates tru/ee1 or ! bankruptcy adm9i/rator may br+ a civil action aga9/ a p]son t kn[s or %\ld "k t ! dis*>ge injunction is applicable & has int5tionally or neglig5tly comm5c$ or cont9u$ any action describ$ 9 subsection 7a74 7#b7 ,an action "u p>agraph 7#a7 %all be comm5c$ n lat] ?an #a ye> aft] ! date on :i* ! dis*>g$ debtor1 ! tru/ee1 or ! ,unit$ ,/ates tru/ee discov]s t a p]son has comm5c$ or cont9u$ any action describ$ 9 subsection 7a74 7#c7 ,9 an action "u p>agraph 7#a71 ! c\rt may aw>d relief consi/5t ) ?is title if ! c\rt f9ds t a p]son has-- 7,a7 engag$ 9 conduct 9 violation ( ?is section or ( any provision ( ?is title2 or 7,b7 engag$ 9 fraudul5t1 unfair1 deceptive1 or abusive conduct ) respect to ! debtor or ! case4 7#d7 ,subject to p>agraph 7#f71 9 a successful action "u p>agraph 7#a7-- 7,a7 ! c\rt-- 7i7 %all aw>d to a dis*>g$ debtor injur$ by a violation ( subsection 7a7-- 7,i7 actual damages1 includ+ damages = emotional di/ress2 & 7,,ii7 reasonable co/s & attorneys' fees2 & 7ii7 if ! tru/ee or ! ,unit$ ,/ates tru/ee is a prevail+ p>ty 9 ! action1 %all aw>d to ! tru/ee or ! ,unit$ ,/ates tru/ee-- 7,i7 reasonable co/s & attorney fees2 & 7,,ii7 a fee equal to #c times ! am\nt s\ght to be collect$ by ! p]son f\nd to be 9 violation ( subsection 7a72 & 7,b7 ! c\rt may aw>d punitive damages1 z appropriate4 7#e7 7,a7 ,if ! c\rt aw>ds punitive damages "u p>agraph 7#d7 9 an action br\ght or jo9$ by ! tru/ee1 ! c\rt may aw>d betwe5 #aj p]c5t & #be p]c5t ( ! punitive damages to ! tru/ee :o br\ght or jo9$ ! action4 7,b7 ,any punitive damages "u ?is subsection %all be 9 addition to ! comp5sation set out 9 section #cbf4 7#f7 ,if ! comm5cem5t or cont9uation ( any action describ$ 9 subsection 7a7 0 tak5 by a p]son 9 ! good fai? belief t subsection 7a7 did n apply to ! debt1 & ! action 0 )drawn ^u discov]y t subsection 7a7 appli$ to ! debt1 ! recov]y %all be limit$ to actual damages1 includ+ damages = emotional di/ress1 & reasonable co/s & attorneys' fees4 7#g7 ,no?+ 9 ?is subsection %all be con/ru$ to prejudice ! ability to br+ a motion = contempt ( c\rt = a violation ( subsection 7a74 7#h7 ,an agreem5t betwe5 a hold] ( a claim & ! debtor1 ! consid]ation = :i*1 9 :ole or 9 "p1 is bas$ on a debt t is dis*>geable 9 a case "u ?is title is voidable by ! debtor4 7#i7 ,any pre-dispute arbitration agreem5t or pre-dispute jo9t-action waiv] reg>d+ an action "u p>agraph 7#a7 is voidable by ! debtor4 2 7#d7 9 subsection 7d7-- 7,a7 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ #gbg1 #aada1 #aaib1 #abbh1 or #acbh & ins]t+ #ajca1 #aada1 #aaib1 or #abbh2 & 7,b7 beg9n+ 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ ,if a dis*>ge has be5 grant$ & all t foll[s ?r\gh ! end ( p>agraph 7#b72 7#e7 9 subsection 7f71 by /rik+ 7c7 or2 & 7#f7 by /rik+ subsections 7k71 7l71 & 7m7 & ins]t+ ! foll[+3 7k7 7#a7 ,no?+ 9 ?is section prejudices ! ability to br+ a motion = contempt ( c\rt = a violation ( subsection 7a7 or any cause ( action "u applicable nonbankruptcy law4 7#b7 ,any pre-dispute arbitration agreem5t or pre-dispute jo9t-action waiv] purport+ to apply to su* an action is void4 7l7 ,^u an entity's reque/1 & aft] notice & a he>+1 ! c\rt %all issue an ord] decl>+ :e!r an action propos$ to be tak5 by ! entity w\ld be a violation ( ! dis*>ge injunction "u subsection 7a74 7m7 ,! debtor's failure to ass]t1 raise1 or plead ! dis*>ge %all n be con/ru$ to be a waiv] aga9/ ass]t+ ! dis*>ge4 4 7ii7 ,protection aga9/ discrim9atory treatm5t ,section #ebe ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a71 by /rik+ solely2 7#b7 9 subsection 7b71 9 ! matt] prec$+ p>agraph 7#a7-- 7,a7 by ins]t+ d5y employm5t to1 foll[+ may2 & 7,b7 by /rik+ solely2 & 7#c7 by add+ at ! end ! foll[+3 7d7 7#a7 ,a p]son aggriev$ by a violation ( ?is section may en=ce ?is section 9 ! bankruptcy case or by br++ a civil action 9 an appropriate di/rict c\rt ( ! ,unit$ ,/ates4 7#b7 ,to rem$y a violation ( ?is section1 a c\rt may-- 7,a7 aw>d damages includ+ back pay2 7,b7 grant injunctive or o!r equitable relief2 & 7,c7 aw>d ( co/s1 includ+ attorneys' fees1 to an aggriev$ p>ty :o prevails4 4 7jj7 ,re/rictions on debt relief ag5cies 7#a7 ,9 g5]al ,section #ebf ( title #aa1 ,unit$ ,/ates ,code1 is repeal$4 7#b7 ,con=m+ am5dm5t ,! table ( sections = *apt] #e ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! item relat+ to section #ebf4 7kk7 ,disclosures 7#a7 ,9 g5]al ,section #ebg ( title #aa1 ,unit$ ,/ates ,code1 is repeal$4 7#b7 ,con=m+ am5dm5t ,! table ( sections = *apt] #e ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! item relat+ to section #ebg4 7ll7 ,requirem5ts = debt relief ag5cies 7#a7 ,9 g5]al ,section #ebh ( title #aa1 ,unit$ ,/ates ,code1 is repeal$4 7#b7 ,con=m+ am5dm5t ,! table ( sections = *apt] #e ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! item relat+ to section #ebh4 7mm7 ,prop]ty ( ! e/ate ,section #eda ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7b77#g7-- 7,a7 by /rik+ except t su* am\nt "u ?is subp>agraph %all n con/itute disposable income z def9$ 9 section #acbe7;b77#b72 or ea* place x appe>s2 7,b7 9 subp>agraph 7,a77i77,,iii71 by add+ or at ! end2 & 7,c7 9 subp>agraph 7,b77i77,,iii71 by add+ or at ! end2 7#b7 9 subsection 7c77#b71 by /rik+ ! p]iod at ! end & ins]t+ 1 except to ! ext5t necess>y to satisfy claims entitl$ to priority "u section #ejg7;a77#a742 & 7#c7 by add+ at ! end ! foll[+3 7g7 ,not)/&+ any contr>y provision ( nonbankruptcy law1 a pre-dispute arbitration agreem5t or pre-dispute jo9t-action waiv] ent]$ into by ! debtor %all n be en=ceable aga9/ ! bankruptcy e/ate or ! debtor = matt]s aris+ 91 aris+ "u1 or relat$ to a case "u ?is title4 4 7nn7 ,turnov] ( prop]ty to e/ate 7#a7 ,9 g5]al ,section #edb ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 subsection 7a7-- 7i7 by /rik+ subsection 7c7 or 7d7 & ins]t+ subsection 7d71 7e71 or 7f72 & 7ii7 by /rik+ %all deliv] to ! tru/ee & ins]t+ %all1 )\t any condition or fur!r action by ! tru/ee1 ! debtor1 or ! c\rt1 deliv] promptly to ! tru/ee2 7,b7 9 subsection 7b71 by /rik+ subsection 7c7 or 7d7 & ins]t+ subsection 7d71 7e71 or 7f72 7,c7 by r$esignat+ subsections 7c71 7d71 & 7e7 z subsections 7e71 7f71 & 7g71 respectively2 & 7,d7 by add+ be=e subsection 7e71 z s r$esignat$1 ! foll[+3 7c7 ,an entity 9 possession ( prop]ty t ! tru/ee may use1 sell1 or lease "u section #cfc ( ?is title1 or t ! debtor may exempt "u section #ebb ( ?is title1 %all h1 ^u deliv]y ( su* prop]ty to ! tru/ee1 ! same rights 9 ! prop]ty z if ! entity rema9$ 9 possession4 7d7 ,an entity t holds prop]ty t ! tru/ee may use1 sell1 or lease "u section #cfc ( ?is title1 or t ! debtor may exempt "u section #ebb ( ?is title1 & t is subject to a pot5tial loss ( value due to accid5t1 casualty1 or !ft %all n be requir$ to deliv] su* prop]ty to ! tru/ee unless ! p>ty entitl$ to possession provides pro( ( insurance or o!r security suffici5t to protect ! cr$itor aga9/ su* loss ( value4 4 7#b7 ,con=m+ am5dm5t ,section #edi7;a77#b77;,a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #edb7;c7 & ins]t+ #edb7;e74 7oo7 ,limitations on avoid+ p[]s ,section #edf7;a77#a77;,b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #aajd1 #aafc1 #abjb1 or #acjb & ins]t+ #ajja1 #aajd1 #aafc1 or #abjb4 7pp7 ,fraudul5t transf]s & obligations ,section #edh ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a77#a71 9 ! matt] prec$+ subp>agraph 7,a71 by /rik+ #b ye>s & ins]t+ #d ye>s2 7#b7 9 subsection 7b77#a71 by /rik+ #b ye>s & ins]t+ #d ye>s2 7#c7 9 subsection 7e7-- 7,a7 9 p>agraph 7#a7-- 7i7 9 ! matt] prec$+ subp>agraph 7,a71 by /rik+ ,9 addition & ins]t+ ,subject to p>agraphs 7#c7 & 7#d71 9 addition2 7ii7 9 subp>agraph 7,b71 by add+ & at ! end2 7iii7 9 subp>agraph 7,c71 by /rik+ 2 & & ins]t+ a p]iod2 & 7iv7 by /rik+ subp>agraph 7,d72 & 7,b7 by add+ at ! end ! foll[+3 7#c7 ,! tru/ee may n avoid "u p>agraph 7#a7 a transf] ( prop]ty t is exempt f ! e/ate pursuant to p>agraph 7#b77;,a77ii77,,ii77kk7 or 7#c77;,a77iii7 ( section #ebb7;b74 7#d7 7,a7 ,! tru/ee may n avoid "u p>agraph 7#a7 a transf] t 0 n made ) actual int5t to h9d]1 delay1 or defraud4 7,b7 ,! def5dant 9 any action "u ?is subsection has ! burd5 ( pro( 9 plead+ & prov+ t ! transf] 0 n made ) actual int5t to h9d]1 delay1 or defraud cr$itors4 4 7qq7 ,liability ( transf]ee ( avoid$ transf] ,section #eej ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 7g7 ,! tru/ee may recov] f a transf]ee ! co/s ( br++ a successful avoidance action1 includ+ reasonable attorney fees1 = ! avoidance ( a transf] "u section #edd7;b7 "u-- 7#a7 an applicable nonbankruptcy law t prohibits a transf] made ) actual int5t to h9d]1 delay1 or defraud a cr$itor2 7#b7 section #edh7;a77#a72 or 7#c7 section #edh7;e74 4 7rr7 ,exp$it$ det]m9ation ( int]e/s 91 & ab&onm5t or o!r disposition ( gra9 assets ,section #eeg7;d77#c7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #aajd1 #aahc1 #abjb1 & #acjb & ins]t+ #ajja1 #aajd1 #aahc1 & #abjb4 7ss7 ,duties ( tru/ee ,section #gjd ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 by /rik+ 7a72 7,b7 by /rik+ p>agraphs 7#c7 & 7#aj72 & 7,c7 by r$esignat+ p>agraphs 7#d71 7#e71 7#f71 7#g71 7#h71 7#i71 7#aa71 & 7#ab7 z p>agraphs 7#c71 7#d71 7#e71 7#f71 7#g71 7#h71 7#i71 & 7#aj71 respectively2 7#b7 by /rik+ subsection 7b72 & 7#c7 by /rik+ subsection 7c74 7tt7 ,conv]sion ,section #gjf ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 by /rik+ #aa1 #ab1 or #ac & ins]t+ #aa or #ab2 & 7,b7 by /rik+ #aaab1 #abjh1 or #acjg & ins]t+ #aaab or #abjh2 & 7#b7 9 subsection 7c71 by /rik+ #ab or #ac & ins]t+ #ab4 7uu7 ,dismissal ( a case or conv]sion to a case "u *apt] #aa or #ac 7#a7 ,9 g5]al ,section #gjg ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 ! section head+1 by /rik+ or conv]sion to a case "u *apt] #aa or #ac2 7,b7 9 subsection 7a71 by /rik+ 7a7 ,! & ins]t+ ,!2 7,c7 by /rik+ subsection 7b72 & 7,d7 by /rik+ subsection 7c74 7#b7 ,con=m+ am5dm5t ,! table ( sections = *apt] #g ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! item relat+ to section #gjg & ins]t+ ! foll[+3 #gjg4 ,dismissal ( a case4 4 7vv7 ,r$emption 7#a7 ,9 g5]al ,section #gbb ( title #aa1 ,unit$ ,/ates ,code1 is repeal$4 7#b7 ,con=m+ am5dm5t ,! table ( sections = *apt] #g ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! item relat+ to section #gbb4 7ww7 ,di/ribution ( prop]ty ( ! e/ate ,section #gbf7;b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #aaab1 #abjh1 or #acjg & ins]t+ #ajje1 #ajec7;c71 #aaab1 or #abjh4 7xx7 ,dis*>ge 7#a7 ,9 g5]al ,section #gbg ( title #aa1 ,unit$ ,/ates ,code1 is repeal$4 7#b7 ,con=m+ am5dm5t ,! table ( sections = *apt] #g ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! item relat+ to section #gbg4 7yy7 ,duties ( tru/ee & exam9] ,section #aajf ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 p>agraph 7#a71 by /rik+ p>agraphs 7#b71 7#e71 7#g71 7#h71 7#i71 7#aj71 7#aa71 & 7#ab7 ( section #gjd7;a7 & ins]t+ p>agraphs 7#b71 7#d71 7#f71 7#g71 7#h71 7#i71 & 7#aj7 ( section #gjd2 & 7,b7 9 p>agraph 7#e71 by /rik+ #ab1 or #ac & ins]t+ #g1 #aj1 or #ab2 & 7#b7 9 subsection 7c77#a77;,c71 by /rik+ clause 7iv7 & ins]t+ ! foll[+3 7iv7 ! "n ( ea* cr$itor t holds a claim t is n dis*>g$ "u p>agraph 7#b7 or 7#d7 ( section #ebc7;a7 ( ?is title4 4 7zz7 ,conv]sion or dismissal ,section #aaab ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 p>agraph 7#b71 by /rik+ or2 7,b7 9 p>agraph 7#c71 by /rik+ ! p]iod at ! end & ins]t+ 2 or2 & 7,c7 by add+ at ! end ! foll[+3 7#d7 ! debtor is an individual4 2 7#b7 9 subsection 7b77#a71 by ins]t+ 9 a case 9 :i* ! debtor is n an individual1 aft] subsection 7c712 7#c7 9 subsection 7d71 by /rik+ #ab or #ac & ins]t #aj or #ab2 7#d7 by r$esignat+ subsection 7f7 z subsection 7g72 & 7#e7 by ins]t+ aft] subsection 7e71 ! foll[+3 7f7 ,! debtor may conv]t a case "u ?is *apt] to a case "u *apt] #aj ( ?is title at any "t4 ,any waiv] ( ! "r to conv]t "u ?is subsection is un5=ceable4 4 7aaa7 ,prop]ty ( ! e/ate ,section #aaae7;a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #g1 #ab1 or #ac ea* place x appe>s & ins]t+ #aj or #ab4 7bbb7 ,cont5ts ( plan ,section #aabc7;a77#h7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ = ! execution ( ! plan4 & ins]t+ = ! debtor to meet ! m9imum paym5t obligation ( ! debtor44 7ccc7 ,confirmation ( plan ,section #aabi7;a77#ae77;,b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! project$ disposable income & all t foll[s ?r\gh :i*ev] is long] & ins]t+ ! m9imum paym5t obligation ( ! debtor "u a repaym5t plan "u section #ajba7;a77#a7 if ! case 7 a case "u *apt] #aj4 7ddd7 ,effect ( confirmation ,section #aada7;d7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 p>agraph 7#c77;,c7-- 7,a7 by /rik+ section #gbg7;a7 & ins]t+ section #ajca2 & 7,b7 by /rik+ *apt] #g & ins]t+ *apt] #aj2 & 7#b7 9 p>agraph 7#e7-- 7,a7 9 subp>agraph 7,a71 by add+ & at ! end2 7,b7 9 subp>agraph 7,b71 by /rik+ 2 & at ! end & ins]t+ a p]iod2 & 7,c7 by /rik+ subp>agraph 7,c74 7eee7 ,tru/ee ,section #aahc7;b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 p>agraph 7#a71 by /rik+ p>agraphs 7#b71 7#e71 7#f71 7#g71 & 7#i7 ( section #gjd7;a7 & ins]t+ p>agraphs 7#b71 7#d71 7#e71 7#f71 & 7#h7 ( section #gjd2 7#b7 9 p>agraph 7#e71 by /rik+ #gjd7;a77#h7 & ins]t+ #gjd7g72 & 7#c7 9 p>agraph 7#f71 by /rik+ #gjd7;c7 & ins]t+ #ajja7;b77#e74 7fff7 ,prop]ty ( ! e/ate ,section #aahf7;a7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #g1 #ab1 or #ac ea* place x appe>s & ins]t+ #g1 #aj1 or #ab4 7ggg7 ,tru/ee ,section #abjb ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7b7-- 7,a7 9 p>agraph 7#a71 by /rik+ sections #gjd7;a77#b71 #gjd7;a77#c71 #gjd7;a77#e71 #gjd7;a77#f71 #gjd7;a77#g71 & #gjd7;a77#i7 & ins]t+ p>agraphs 7#b71 7#c71 7#d71 7#e71 7#f71 & 7#h7 ( section #gjd2 & 7,b7 9 p>agraph 7#e71 by /rik+ #gjd7;a77#h7 & ins]t+ #gjd7g72 & 7#b7 9 subsection 7c77#a77;,c71 by /rik+ clause 7iv7 & ins]t+ ! foll[+3 7iv7 ! "n ( ea* cr$itor t holds a claim t is n dis*>g$ "u p>agraph 7#b7 or 7#d7 ( section #ebc7;a7 ( ?is title4 4 7hhh7 ,conv]sion or dismissal ,section #abjh ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7 by /rik+ #g ( & ins]t+ #g or #aj (2 & 7#b7 9 subsection 7b7 by /rik+ or #aaab & ins]t+ 1 #ajje1 #ajec7;c71 or #aaab4 7iii7 ,dis*>ge ,section #abbh ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ subsection 7f74 #aje4 ,data collection ,section #aei ( title #bh1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ subsections 7a71 7b71 & 7c7 & ins]t+ ! foll[+3 7a7 7#a7 ,:5 a case is fil$ "u *apt] #aj ( title #aa1 ea* debtor 9 ! case may file ) ! c\rt ! foll[+ in=mation ab\t ! debtor3 7,a7 ,m>ital /atus4 7,b7 ,age4 7,c7 ,sex4 7,d7 ,race4 7,e7 ,e?nicity4 7#b7 ,! ,attorney ,g5]al1 9 consultation ) ! ,consum] ,bankruptcy ,ombuds ( ! ,bureau ( ,consum] ,f9ancial ,protection & ! ,director ( ! ,adm9i/rative ,(fice ( ! ,unit$ ,/ates ,c\rts 7ref]r$ to 9 ?is section z ! ,director71 %all prescribe a /&>d =m = ! collection ( ! in=mation describ$ 9 p>agraph 7#a74 7#c7 ,any in=mation collect$1 /or$1 receiv$1 or publi%$ "u p>agraph 7#a7 %all-- 7,a7 be s collect$1 /or$1 receiv$1 or publi%$ 9 a mann] t protects ! privacy ( individuals ^: in=mation is includ$ 9 su* data2 7,b7 be de-id5tifi$ or anonymiz$ 9 a mann] t protects ! id5tity ( all individuals ^: in=mation is includ$ 9 su* data2 & 7,c7 be limit$ 9 use = ! purpose ( id5tify+ & address+ disp>ities 9 ! bankruptcy sy/em & be protect$ f all o!r int]nal use by any entity t collects1 /ores1 or receives ! in=mation & f any o!r inappropriate uses4 7#d7 ,any in=mation collect$ "u p>agraph 7#a7-- 7,a7 %all n be "p ( ! public record ( ! bankruptcy case2 & 7,b7 %all be ma9ta9$ 9 a nonpublic record by ! c\rt to fulfill its duties "u subsection 7b74 7b7 ,! cl]k ( ! di/rict c\rt1 or ! cl]k ( ! bankruptcy c\rt if "o is c]tifi$ pursuant to section #aef7;b71 %all collect in=mation reg>d+ individual debtors seek+ relief "u *apt] #aj ( title #aa4 ,! in=mation %all be 9 a /&>diz$ =mat prescrib$ by ! ,director s t ! ,director c fulfill ! duties 9 subsection 7c74 7c7 7#a7 ,9 ?is subsection1 ! t]m qualifi$ rese>*] means a p]son :o has und]tak5 to protect ! confid5tiality & privacy ( ! in=mation 9 ! database 9 a protocol t has be5 review$ & approv$ by an in/itutional review bo>d t is e/abli%$-- 7,a7 to protect ! rights & welf>e ( human subjects p>ticipat+ 9 sci5tific rese>*2 & 7,b7 9 accordance ) ! requirem5ts e/abli%$ "u "p #df ( title #de1 ,code ( ,f$]al ,regulations1 or any successor !reto4 7#b7 ,! ,director %all-- 7,a7 compile /ati/ical tables f ! in=mation ref]r$ to 9 subsections 7a7 & 7b7 & make ! tables available to ! public2 7,b7 n lat] ?an ,july #a1 #bjbb1 & annually !reaft]1 prep>e1 & submit to ,congress a report conc]n+ ! in=mation collect$ "u subsections 7a7 & 7b7 t conta9s an analysis ( ! in=mation2 & 7,c7 n lat] ?an ,decemb] #ca ( ! ye> foll[+ ! cal5d> ye> 9 :i* ! in=mation is collect$1 make available to-- 7i7 qualifi$ rese>*]s an electronic database conta9+ ! in=mation collect$ "u subsections 7a7 & 7b7 or us$ to create ! compilation requir$ by ?is subsection2 & 7ii7 ! public an electronic database conta9+ ! in=mation collect$ "u subsection 7b7 or us$ to create ! compilation requir$ by ?is subsection4 7d7 ,! compilation requir$ "u subsection 7c7 %all-- 7#a7 be pres5t$ 9 ! aggregate & = ea* judicial di/rict & division2 & 7#b7 include in=mation conc]n+-- 7,a7 ! total assets & total liabilities ( ! debtors & 9 ea* category ( assets & liabilities1 z report$ 9 ! s*$ules prescrib$ pursuant to section #bjge & fil$ by debtors2 7,b7 ! curr5t mon?ly income ( debtors z report$ on ! s*$ules & /atem5ts t ea* debtor files "u section #eba ( title #aa2 7,c7 ! total comp5sation ! debtors promis$ to pay to an attorney1 ! am\nt ( ! comp5sation paid to an attorney be=e fil+1 & ! total numb] ( cases 9 :i* a wage g>ni%m5t ord] or electronic funds transf] ord] 0 ent]$ to pay an attorney2 7,d7 ! total numb] ( dep5d5ts ( ! debtors & ! total numb] ( dep5d5ts ( ! debtors "u ! age ( #ah2 7,e7 :e!r ! debtors _h an own]%ip int]e/ 9 real e/ate t s]v$ z ! debtors' pr9cipal resid5ce2 7,f7 :e!r ! debtors _h an own]%ip int]e/ 9 real e/ate o!r ?an t s]v$ z ! debtors' pr9cipal resid5ce2 7,g7 ! m9imum paym5t obligation ( ! debtors z det]m9$ "u section #aja7ed7 ( title #aa2 7,h7 :e!r ! debtors fil$ a repaym5t plan1 a resid5ce plan1 or a prop]ty plan2 & 7,i7 ! av]age p]iod ( "t betwe5 ! date ( ! fil+ ( ! petition & ! clos+ ( ! case = cases clos$ dur+ ! report+ p]iod4 7e7 ,! ,director may add o!r in=mation to ! compilations & databases requir$ by ?is section t improve ! und]/&+ ( ! causes ( bankruptcy & ! function+ ( ! bankruptcy sy/em4 4 #ajf4 ,electronic signatures 7a7 ,electronic signature def9$ ,9 ?is section1 ! t]m electronic signature has ! mean+ giv5 ! t]m 9 section #ajf ( ! ,electronic ,signatures 9 ,global & ,national ,comm]ce ,act 7#ae ,u4,s4,c4 #gjjf74 7b7 ,electronic signatures all[$ ,a signature requir$ = a fil+ 9 a case "u title #aa1 ,unit$ ,/ates ,code1 may n be d5i$ legal effect1 validity1 or en=ceability solely because x is an electronic signature4 7c7 ,orig9al electronic signatures all[$ ,9 a case "u title #aa1 ,unit$ ,/ates ,code1 an orig9al signature may be an electronic signature4 #ajg4 ,judicial education ,! ,director ( ! ,f$]al ,judicial ,c5t]1 9 consultation ) ! ,director ( ! ,executive ,(fice = ,unit$ ,/ates ,tru/ees1 %all develop mat]ials & conduct tra9+ t may be useful to c\rts 9 implem5t+ ?is ,act & ! am5dm5ts made by ?is ,act4 #ajh4 ,con=m+ am5dm5ts to o!r laws 7a7 ,bankruptcy abuse & consum] protection act ( #bjje 7#a7 ,audit proc$ures ,section #fjc ( ! ,bankruptcy ,abuse ,prev5tion & ,consum] ,protection ,act ( #bjje 7#bh ,u4,s4,c4 #ehf note7 is am5d$ by /rik+ subsection 7a74 7#b7 ,judicial education ,section #abbf ( ! ,bankruptcy ,abuse ,prev5tion & ,consum] ,protection ,act ( #bjje 7#aa ,u4,s4,c4 #aja note7 is repeal$4 7#c7 ,tax docum5ts ,section #abbh7;b7 ( ! ,bankruptcy ,abuse ,prev5tion & ,consum] ,protection ,act ( #bjje 7#aa ,u4,s4,c4 #eba note7 is repeal$4 7b7 ,consolidat$ f>m & rural developm5t act ,section #cgc7;b77#b77;,a77ii7 ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #bjjh;h7b77#b77;,a77ii77 is am5d$ by /rik+ #aa1 #ab1 or #ac & ins]t+ #aj1 #aa1 or #ab4 7c7 ,consum] cr$it protection act ,section #cjc7;b77#a77;,b7 ( ! ,consum] ,cr$it ,protection ,act 7#ae ,u4,s4,c4 #afgc7;b77#a77;,b77 is am5d$ by /rik+ any ord] ( any c\rt ( bankruptcy "u *apt] ,,xiii ( ! ,bankruptcy ,act & ins]t+ any ord] ( any c\rt ( ! ,unit$ ,/ates hav+ jurisdiction ov] cases "u title #aa2 &4 7d7 ,high] education act ( #aife ,section #dcg7;b7 ( ! ,high] ,education ,act ( #aife 7#bj ,u4,s4,c4 #ajhg7;b77 is am5d$-- 7#a7 9 p>agraph 7#a71 by /rik+ *apt] #ab or #ac & ins]t+ *apt] #aj or #ab2 & 7#b7 9 p>agraphs 7#b7 & 7#c71 by /rik+ *apt] #g or #aa & ins]t+ *apt] #aj1 #aa1 or #ab4 7e7 ,h\s+ & community developm5t am5dm5ts ( #aigh ,section #bja7l77#b77;,c7 ( ! ,h\s+ & ,community ,developm5t ,am5dm5ts ( #aigh 7#ab ,u4,s4,c4 #agaez-#a;a7l77#b77;,c77 is am5d$ by /rik+ #gbg1 #aada1 or #acbh7;b7 & ins]t+ #ajca1 #aada1 or #aaib4 7f7 ,int]nal rev5ue code ( #aihf ,! ,int]nal ,rev5ue ,code ( #aihf is am5d$-- 7#a7 9 section #acih-- 7,a7 9 subsection 7a71 by /rik+ *apt] #g 7relat+ to liquidation7 or *apt] #aa 7relat+ to reorganizations7 & ins]t+ *apt] #aj1 *apt] #aa1 or *apt] #ab2 & 7,b7 9 subsection 7b77#a71 by /rik+ *apt] #g or #aa & ins]t+ #g1 #aj1 or #ab2 7#b7 9 section #fcbg-- 7,a7 by /rik+ p>agraph 7#d72 & 7,b7 by r$esignat+ p>agraph 7#e7 & 7#f7 z p>agraphs 7#d7 & 7#e71 respectively2 & 7#c7 9 section #gdcg-- 7,a7 by /rik+ p>agraph 7#d72 & 7,b7 by r$esignat+ p>agraphs 7#e71 7#f71 7#g71 7#h71 & 7#i7 z p>agraphs 7#d71 7#e71 7#f71 7#g71 & 7#h71 respectively4 7g7 ,title #bh ,title #bh1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 section #aeg7;b77#b7-- 7,a7 9 subp>agraph 7,b71 by /rik+ *apt] #aa1 #ab1 or #ac & ins]t+ *apt] #aj1 #aa1 or #ab2 7,b7 9 subp>agraph 7,o71 by /rik+ &2 7,c7 9 subp>agraph 7,p71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7,d7 by add+ at ! end ! foll[+3 7,q7 proce$+s to en=ce rights "u sections #ebd or #ebe ( title #aa4 2 7#b7 9 section #ehi;b-- 7,a7 9 subsection 7a77#a71 by /rik+ *apt]s #g1 #ab1 & #ac & ins]t+ *apt]s #g1 #aj1 & #ab2 & 7,b7 9 subsection 7d7-- 7i7 9 ! matt] prec$+ p>agraph 7#a71 by /rik+ *apt]s #g1 #ab1 & #ac & ins]t+ *apt]s #g1 #aj1 & #ab2 7ii7 9 p>agraph 7#e71 by /rik+ 1 includ+ = use "u section #gjg7;b71 actual co/s ( adm9i/]+ cases "u *apt] #ac or *apt] #aa2 & 7iii7 9 ! matt] foll[+ p>agraph 7#h71 by /rik+ *apt]s #ab & #ac & ins]t+ *apt]s #aj & #ab2 & 7#c7 9 section #cjad7;a77#a71 by /rik+ section #ebb7;d7 & ins]t+ section #ebb7;b74 7h7 ,title #ch ,section #cgcb7;a77#b77;,b7 ( title #ch1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ #acbb7;b7 & ins]t+ #ajbb7;b74 ,,ii ,consum] f9ancial protection am5dm5ts #bja4 ,am5dm5ts to ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7a7 ,consum] bankruptcy ombuds ,! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha et seq47 is am5d$ by ins]t+ aft] section #ajce 7#ab ,u4,s4,c4 #eece7 ! foll[+3 #ajce;,a4 ,consum] bankruptcy ombuds 7a7 ,e/abli%m5t ,! ,director1 9 consultation ) ! ,attorney ,g5]al1 %all designate a ,consum] ,bankruptcy ,ombuds 79 ?is section ref]r$ to z ! ,ombuds7 )9 ! ,bureau1 to provide timely assi/ance to individual debtors 9 bankruptcy4 7b7 ,public in=mation ,! ,director & ! ,attorney ,g5]al & ! bankruptcy cl]ks appo9t$ "u section #aef7;b7 ( title #aa1 ,unit$ ,/ates ,code1 %all dissem9ate in=mation ab\t ! availability & functions ( ! ,ombuds to individual debtors 9 bankruptcy & consum] bankruptcy attorneys & consum] cr$it c\nsel+ ag5cies4 7c7 ,functions ( ombuds ,! ,ombuds designat$ "u ?is subsection %all-- 7#a7 9 accordance ) regulations ( ! ,director1 receive1 review1 & attempt to resolve in=mally compla9ts f individual debtors 9 bankruptcy1 includ+1 z appropriate1 attempts to resolve su* compla9ts 9 collaboration ) cr$itors1 ! ,unit$ ,/ates ,tru/ee ,program ( ! ,dep>tm5t ( ,ju/ice1 tru/ees 9 bankruptcy1 ! bankruptcy cl]ks appo9t$ "u section #aef7;b7 ( title #aa1 ,unit$ ,/ates ,code1 & consum] privacy ombudsm5 & future claims repres5tatives appo9t$ 9 bankruptcy2 7#b7 n lat] ?an #ij days aft] ! date ( enactm5t ( ?is section1 e/abli% a memor&um ( und]/&+ ) ! ,executive ,(fice ( ! ,unit$ ,/ates ,tru/ee ,program1 to ensure coord9ation 9 provid+ assi/ance to & s]v+ individual debtors 9 bankruptcy seek+ to resolve compla9ts relat$ to _! bankruptcy cases2 7#c7 compile & analyze data on consum] bankruptcy fil+s1 includ+ on ! causes ( individual bankruptcy fil+s1 ! relation%ip betwe5 consum] bankruptcy fil+s & consum] f9ancial products & s]vices1 & any disp>ities 9 ! bankruptcy sy/em1 includ+ any disp>ities bas$ on ! demographic categories describ$ 9 section #aei7;a77#a7 ( title #bh1 ,unit$ ,/ates ,code2 7#d7 compile & analyze data on compla9ts f individual debtors 9 bankruptcy2 7#e7 make recomm5dations to ! ,director & ! ,attorney ,g5]al reg>d+ ! fil+ ( amicus curiae briefs & mak+ appe>ances 9 individual bankruptcy cases1 p>ticul>ly 9 ! cases involv+ repeat patt]ns ( cr$itor behavior2 7#f7 consult ) ! ,director ( ! ,adm9i/rative ,(fice ( ! ,unit$ ,/ates ,c\rts reg>d+ ! duties ( t (fic] "u section #aei ( title #bh1 ,unit$ ,/ates ,code1 reg>d+ data collection & report+2 & 7#g7 make o!r appropriate recomm5dations to ! ,director1 ! ,attorney ,g5]al1 ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs & ! ,committee on ! ,judici>y ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices & ! ,committee on ,judici>y ( ! ,h\se ( ,repres5tatives4 7d7 ,annual reports 7#a7 ,9 g5]al ,! ,ombuds %all prep>e an annual report t describes ! activities1 & evaluates ! effectiv5ess ( ! ,ombuds dur+ ! prec$+ ye>4 7#b7 ,submission ,! report requir$ by p>agraph 7#a7 %all be submitt$ on ! same date annually to ! ,attorney ,g5]al1 ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs & ! ,committee on ! ,judici>y ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices & ! ,committee on ! ,judici>y ( ! ,h\se ( ,repres5tatives4 4 7b7 ,sup]vision ( high] co/ l5d]s ,section #ajbd7;a77#a77;,e7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #eead7;a77#a77;,e77 is am5d$ by /rik+ a payday loan & ins]t+ a loan ) an annual p]c5tage rate ( great] ?an #cf p]c5t1 z det]m9$ "u section #ihg7;i77#d7 ( title #aj1 ,unit$ ,/ates ,code4 7c7 ,violations ( dis*>ge injunction ,section #ajcf7;a7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #eecf7;a771 is am5d$-- 7#a7 9 p>agraph 7#b77;,c71 by /rik+ or at ! end2 7#b7 9 p>agraph 7#c71 by /rik+ ! p]iod at ! end & ins]t+ 2 or2 & 7#c7 by add+ at ! end ! foll[+3 7#d7 to violate section #ebd7;a7 ( title #aa1 ,unit$ ,/ates ,code1 9 a case involv+ an individual debtor4 4 7d7 ,au?ority ,to ex]cise sup]vision & en=cem5t au?ority reg>d+ bankruptcy law 7#a7 ,def9itions ,section #ajjb7ab7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha7ab77 is am5d$-- 7,a7 9 subp>agraph 7,q71 by /rik+ & & ! end2 7,b7 9 subp>agraph 7,r71 by /rik+ ! p]iod at ! end & ins]t+ a semicolon2 & 7,c7 by add+ at ! end ! foll[+3 7,s7 title #aa1 ,unit$ ,/ates ,code1 ) respect to individual debtors4 4 7#b7 ,exception f rulemak+ ,section #ajbb ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #eeab7 is am5d$ by ins]t+ 1 except title #aa1 ,unit$ ,/ates ,code1 aft] ,f$]al consum] f9ancial laws ea* place ! t]m appe>s4 7e7 ,av]age prime (f] rate = motor vehicle f9anc+s 7#a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is ,act1 & n less frequ5tly ?an mon?ly !reaft]1 ! ,bureau ( ,consum] ,f9ancial ,protection %all publi% on ! website ( ! ,bureau ! foll[+ in=mation ) respect to motor vehicle f9anc+3 7,a7 ,! curr5t 7z ( ! date ( publication7 av]age prime (f] rate = t type ( f9anc+1 includ+ ! provision ( t f9anc+ ?r\gh retail in/allm5t sales contracts4 7,b7 ,! mo/ common duration ( t type ( f9anc+4 7,c7 ,rate /ructures = f9anc+s = ! pur*ase ( new & us$ light motor vehicles t are us$ prim>ily = p]sonal1 family1 or h\sehold use4 7#b7 ,data collection ,9 c>ry+ out p>agraph 7#a71 ! ,bureau ( ,consum] ,f9ancial ,protection may engage 9 ! collection ( in=mation )\t reg>d to *apt] #ce ( title #dd1 ,unit$ ,/ates ,code4 #bjb4 ,am5dm5ts to ! ,tru? 9 ,l5d+ ,act ,section #acj ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afdj7 is am5d$-- 7#a7 9 subsection 7a77#b7-- 7,a7 9 subp>agraph 7,a7-- 7i7 by /rik+ #bjj & ins]t+ #a1fjj2 7ii7 by /rik+ #b1jjj & ins]t+ #af1jjj2 7iii7 by /rik+ #ejj & ins]t+ #d1jjj2 7iv7 by /rik+ #e1jjj & ins]t+ #dj1jjj2 7v7 by /rik+ #djj & ins]t+ #c1bjj2 & 7vi7 by /rik+ #d1jjj & ins]t+ #cb1jjj2 & 7,b7 9 subp>agraph 7,b71 by /rik+ #a1jjj1jjj or #a & ins]t+ #h1jjj1jjj or #e2 & 7#b7 by add+ at ! end ! foll[+3 7m7 ,adju/m5ts ,on ,april #a1 #bjbb1 & ea* ,april #a !reaft]1 ea* doll> am\nt 9 effect "u subsections 7a7 & 7b7 on ! day be=e su* ,april #a %all be adju/$-- 7#a7 to reflect ! *ange 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s1 publi%$ by ! ,dep>tm5t ( ,labor1 = ! mo/ rec5t p]iod end+ imm$iately be=e ,janu>y #a prec$+ su* ,april #a2 & 7#b7 to r\nd to ! ne>e/ #be ! doll> am\nt t repres5ts ! *ange describ$ 9 p>agraph 7#a74 4 #bjc4 ,am5dm5ts to ! ,fair ,cr$it ,report+ ,act ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq47 is am5d$-- 7#a7 9 section #fje7;a7 7#ae ,u4,s4,c4 #afha;c7a771 by /rik+ p>agraph 7#a7 & ins]t+ ! foll[+3 7#a7 ,cases "u title #aa1 ,unit$ ,/ates ,code1 t1 f ! date ( entry ( ! ord] = relief1 ant$ate ! report by m ?an #g ye>s4 2 & 7#b7 9 section #faf 7#ae ,u4,s4,c4 #afhan7-- 7,a7 9 subsection 7a77#a7-- 7i7 9 subp>agraph 7,a7-- 7,i7 by /rik+ #ajj & ins]t+ #gjj2 & 7,,ii7 by /rik+ #a1jjj & ins]t+ #g1jjj2 & 7ii7 9 subp>agraph 7,b71 by /rik+ #a1jjj & ins]t+ #g1jjj2 7,b7 9 subsection 7b71 by /rik+ #a1jjj & ins]t+ #g1jjj2 & 7,c7 by add+ at ! end ! foll[+3 7e7 ,adju/m5t ,on ,april #a1 #bjbb1 & ea* ,april #a !reaft]1 ea* doll> am\nt 9 effect "u subsections 7a7 & 7b7 on ! day be=e su* ,april #a %all be adju/$-- 7#a7 to reflect ! *ange 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s1 publi%$ by ! ,dep>tm5t ( ,labor1 = ! mo/ rec5t p]iod end+ imm$iately be=e ,janu>y #a prec$+ su* ,april #a2 & 7#b7 to r\nd to ! ne>e/ #be ! doll> am\nt t repres5ts ! *ange describ$ 9 p>agraph 7#a74 4 #bjd4 ,am5dm5ts to ! ,equal ,cr$it ,opportunity ,act ,section #gjf ( ! ,equal ,cr$it ,opportunity ,act 7#ae ,u4,s4,c4 #afia;e7 is am5d$-- 7#a7 9 subsection 7b7-- 7,a7 by /rik+ #aj1jjj & ins]t+ #fj1jjj2 & 7,b7 by /rik+ #ejj1jjj or #a & ins]t+ #e1jjj1jjj or #e2 7#b7 by add+ at ! end ! foll[+3 7l7 ,adju/m5t ,on ,april #a1 #bjbb1 & ea* ,april #a !reaft]1 ea* doll> am\nt 9 effect "u subsection 7b7 on ! day be=e su* ,april #a %all be adju/$-- 7#a7 to reflect ! *ange 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s1 publi%$ by ! ,dep>tm5t ( ,labor1 = ! mo/ rec5t p]iod end+ imm$iately be=e ,janu>y #a prec$+ su* ,april #a2 & 7#b7 to r\nd to ! ne>e/ #be ! doll> am\nt t repres5ts ! *ange describ$ 9 p>agraph 7#a74 4 #bje4 ,am5dm5ts to ! ,fair ,debt ,collection ,practices ,act ,! ,fair ,debt ,collection ,practices ,act 7#ae ,u4,s4,c4 #afib et seq47 is am5d$-- 7#a7 9 section #hjh 7#ae ,u4,s4,c4 #afib;f71 by add+ at ! end ! foll[+3 7#i7 ,fil+ a lawsuit or a claim 9 a bankruptcy case t is bas$ on a debt )\t an actual1 reasonable1 good-fai? belief t ! applicable /atute ( limitations = en=cem5t ( t debt has n expir$ at ! "t ( fil+4 7#aj7 ,any act to kn[+ly collect or attempt to collect a debt t has be5 dis*>g$ 9 bankruptcy except acceptance ( a purely volunt>y paym5t ( ! debtor )\t enc\ragem5t or co]cion by ! debt collector4 2 & 7#b7 9 section #hac 7#ae ,u4,s4,c4 #afibk7-- 7,a7 9 subsection 7a77#b7-- 7i7 9 subp>agraph 7,a71 by /rik+ #a1jjj & ins]t+ #e1jjj2 & 7ii7 9 subp>agraph 7,b71 by /rik+ #ejj1jjj or #a & ins]t+ #e1jjj1jjj or #e2 & 7,b7 by add+ at ! end ! foll[+3 7f7 ,on ,april #a1 #bjbb1 & ea* ,april #a !reaft]1 ea* doll> am\nt 9 effect "u p>agraph 7a77#b7 on ! day be=e su* ,april #a %all be adju/$-- 7#a7 to reflect ! *ange 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s1 publi%$ by ! ,dep>tm5t ( ,labor1 = ! mo/ rec5t p]iod end+ imm$iately be=e ,janu>y #a prec$+ su* ,april #a2 & 7#b7 to r\nd to ! ne>e/ #be ! doll> am\nt t repres5ts ! *ange describ$ 9 p>agraph 7#a74 4 #bjf4 ,am5dm5ts to ! ,electronic ,fund ,transf]s ,act ,section #iaf ( ! ,electronic ,fund ,transf]s ,act 7#ae ,u4,s4,c4 #aficm7 is am5d$-- 7#a7 9 subsection 7a77#b7-- 7,a7 9 subp>agraph 7,a7-- 7i7 by /rik+ #ajj & ins]t+ #ejj2 & 7ii7 by /rik+ #a1jjj & ins]t+ #e1jjj2 & 7,b7 9 subp>agraph 7,b71 by /rik+ #ejj1jjj or #a & ins]t+ #e1jjj1jjj or #e2 & 7#b7 by add+ at ! end ! foll[+3 7h7 ,on ,april #a1 #bjbb1 & ea* ,april #a !reaft]1 ea* doll> am\nt 9 effect "u p>agraph 7a77#b7 on ! day be=e su* ,april #a %all be adju/$-- 7#a7 to reflect ! *ange 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s1 publi%$ by ! ,dep>tm5t ( ,labor1 = ! mo/ rec5t p]iod end+ imm$iately be=e ,janu>y #a prec$+ su* ,april #a1 & 7#b7 to r\nd to ! ne>e/ #be ! doll> am\nt t repres5ts ! *ange describ$ 9 p>agraph 7#a74 4 ,,iii ,bankruptcy rules #cja4 ,rules ,enabl+ ,act am5dm5ts 7a7 ,9 g5]al ,not)/&+ ! ?ird undesignat$ p>agraph ( section #bjge ( title #bh1 ,unit$ ,/ates ,code1 ! ,supreme ,c\rt ( ! ,unit$ ,/ates may prescribe by g5]al rules1 ! =ms ( process1 writs1 plead+s1 & motions1 & ! practice & proc$ure 9 cases "u title #aa1 ,unit$ ,/ates ,code1 z may be necess>y to c>ry out ?is ,act be=e ! effective date ( ?is ,act4 7b7 ,te*nical & con=m+ am5dm5t ,section #bjge ( title #bh1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ! f\r? undesignat$ p>agraph4 7c7 ,pla9 writ+ ,9 draft+ ! =m requir$ by section #ajca7;d7 ( title #aa1 z add$ by ?is ,act1 ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates %\ld comply ) ! requirem5ts ( ! ,pla9 ,writ+ ,act ( #bjaj 7#e ,u4,s4,c4 #cja note74 7#a7 8#aeg;,a4 ,fraudul5t transf]s4 4 #cjb4 ,bankruptcy rules am5dm5ts ,rule #gjjd ( ! ,f$]al ,rules ( ,bankruptcy ,proc$ure is am5d$ by /rik+ subdivision 7h74 #cjc4 ,s5se ( ,congress ,x is ! s5se ( ,congress t ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates %\ld-- 7#a7 promulgate a simplifi$ v]sion ( ! s*$ule ( curr5t income & curr5t exp5ditures requir$ "u section #eba7;a77#a77;,b77ii7 ( title #aa1 ,unit$ ,/ates ,code1 = debtors :o1 by virtue ( section #eba7;c7 ( title #aa1 ,unit$ ,/ates ,code1 are n subject to ! docum5tation requirem5ts ( t section or ! /atem5t ( annual income requir$ by section #eba7;a77#a77;,b77v7 ( title #aa1 ,unit$ ,/ates ,code2 & 7#b7 draft rules t provide t1 ) respect to a case 9 :i* ! debtor is an individual1 ! rights "u section #edb ( title #aa1 ,unit$ ,/ates ,code1 may be en=c$ by motion4 ,,iv ,fund+ ! bankruptcy sy/em #dja4 ,bankruptcy fees ,title #bh1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 section #ehi;a7b71 by am5d+ p>agraph 7#a7 to read z foll[s3 7#a7 #ch4ej p]c5t ( ! fees collect$ "u section #aicj7;a77#a72 2 & 7#b7 9 section #aicj-- 7,a7 9 subsection 7a7-- 7i7 by am5d+ p>agraph 7#a7 to read z foll[s3 7#a7 ,= a case comm5c$ "u *apt] #aj1 #bej4 2 7ii7 9 p>agraph 7#f77;,b7-- 7,i7 by /rik+ ,dur+ ea* ( fiscal ye>s #bjah ?r\gh #bjbb1 if & ins]t+ ,if2 & 7,,ii7 by /rik+ #bjj1jjj1jjj & ins]t+ #bej1jjj1jjj2 & 7iii7 9 ! undesignat$ matt] foll[+ p>agraph 7#g71 by /rik+ *apt] #g1 or #ac ( title #aa & ins]t+ *apt] #g or #aj ( title #aa2 7,b7 by r$esignat+ subsections 7c71 7d71 7e71 & 7f7 z subsections 7d71 7e71 7f71 & 7g71 respectively2 7,c7 by /rik+ subsection 7b7 & ins]t+ ! foll[+3 7b7 ,on ,april #a1 #bjbb1 & ea* ,april #a !reaft]1 ! doll> am\nts 9 effect "u p>agraph 7a77#f77;,a7 on ! day be=e su* ,april #a %all be adju/$-- 7#a7 to reflect ! *ange 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s1 publi%$ by ! ,dep>tm5t ( ,labor1 = ! mo/ rec5t p]iod end+ imm$iately be=e ,janu>y #a prec$+ su* ,april #a2 & 7#b7 to r\nd to ! ne>e/ #be ! doll> am\nt t repres5ts ! *ange describ$ 9 p>agraph 7#a74 7c7 ,! ,judicial ,conf]5ce ( ! ,unit$ ,/ates may prescrib$ additional fees 9 cases "u title #aa1 o!r ?an cases "u *apt] #aj ( t title1 ( ! same k9d z ! ,judicial ,conf]5ce prescribes "u section #aiad7;b7 ( ?is title4 2 & 7,d7 9 subsection 7g71 z s r$esignat$-- 7i7 9 p>agraph 7#a71 by /rik+ 7#a7 ,"u & all t foll[s & ins]t+ ! foll[+3 87#a77;,a7 ,"u ! proc$ures prescrib$ by ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates1 ! di/rict c\rt or ! bankruptcy c\rt may waive all fees payable to ! cl]k ( ! c\rt 9 a case "u *apt] #aj ( title #aa = an individual if ! c\rt det]m9es t su* individual has income less ?an #aej p]c5t ( ! income (ficial pov]ty l9e 7z def9$ by ! ,(fice ( ,managem5t & ,budget1 & revis$ annually 9 accordance ) section #fgc7b7 ( ! ,omnibus ,budget ,reconciliation ,act ( #aiha7 applicable to a family ( ! size involv$ & is unable to pay t fee 9 in/allm5ts4 7,b7 ,if ! c\rt det]m9es t su* an individual has income less ?an #ajj p]c5t ( ! income (ficial pov]ty l9e applicable to a family ( ! size involv$1 su* individual %all be conclusively presum$ to be unable to pay t fee 9 in/alm5ts4 2 & 7ii7 9 p>agraph 7#b71 by /rik+ subsections 7b7 & 7c7 & ins]t+ subsections 7c7 & 7d74 #djb4 ,tru/ee comp5sation 7a7 ,am5dm5ts ,section #ehf ( title #bh1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 p>agraph 7#c7-- 7i7 9 ! matt] prec$+ subp>agraph 7,a71 by /rik+ *apt] #g1 #aa 7includ+ sub*apt] ,v ( *apt] #aa71 #ab1 #ac1 or #ae & ins]t+ *apt] #g1 #aj1 #aa 7includ+ sub*apt] ,v ( *apt] #aa71 #ab1 or #ae2 & 7ii7 9 subp>agraph 7,c7-- 7,i7 by /rik+ *apt]s #ab & #ac ( title #aa & ins]t+ *apt]s #aj & #ab ( title #aa2 & 7,,ii7 by /rik+ sections #abbd1 #abbi1 #acbd1 & #acbi & ins]t+ sections #ajbd1 #ajbe7k71 #abbd1 & #abbi2 7,b7 by /rik+ p>agraph 7#f72 & 7,c7 by r$esignat+ p>agraphs 7#g7 & 7#h7 z p>agraphs 7#f7 & 7#g71 respectively2 7#b7 by am5d+ subsection 7b7 to read z foll[s3 7b7 ,if ! numb] ( cases "u *apt] #aj or #ab ( title #aa or sub*apt] ,v ( *apt] #aa ( title #aa comm5c$ 9 a p>ticul> region s w>rants1 ! ,unit$ ,/ates tru/ee = su* region may1 subject to ! approval ( ! ,attorney ,g5]al1 appo9t #a or m individuals to s]ve z /&+ tru/ee1 or designate #a or m assi/ant ,unit$ ,/ates tru/ees to s]ve 9 cases "u su* *apt]4 ,! ,unit$ ,/ates tru/ee may also e/abli%1 ma9ta91 & sup]vise a panel ( private tru/ees t are eligible & available to s]ve z tru/ees 9 cases "u *apt] #aj ( title #aa4 ,! ,unit$ ,/ates tru/ee = su* region %all sup]vise ! p]=mance ( ! duties ( any su* individual appo9t$ "u ?is subsection4 2 7#c7 9 subsection 7d77#a71 by /rik+ "u sub*apt] ,v ( *apt] #aa or *apt] #ab or #ac ( title #aa ea* place x appe>s & ins]t+ *apt] #aj or #ab ( title #aa or sub*apt] ,v ( *apt] #aa ( title #aa2 7#d7 9 subsection 7e7-- 7,a7 9 p>agraph 7#a71 9 ! matt] prec$+ subp>agraph 7,a71 by /rik+ "u sub*apt] ,v ( *apt] #aa or *apt] #ab or #ac ( title #aa & ins]t+ *apt] #ab ( title #aa or sub*apt] ,v ( *apt] #aa2 7,b7 9 p>agraph 7#b7-- 7i7 9 ! matt] prec$+ subp>agraph 7,a71 by /rik+ "u sub*apt] ,v ( *apt] #aa or *apt] #ab or #ac ( title #aa & ins]t+ *apt] #ab ( title #aa or sub*apt] ,v ( *apt] #aa ( title #aa2 7ii7 9 subp>agraph 7,a71 by /rik+ "u sub*apt] ,v ( *apt] #aa or *apt] #ab or #ac ( title #aa & ins]t+ *apt] #ab ( title #aa or sub*apt] ,v ( *apt] #aa ( title #aa2 & 7iii7 9 subp>agraph 7,b77ii71 by /rik+ subp>agraph 7d77#a77;,b7 & ins]t+ subp>agraph 7e77#a77;,b72 7,c7 by r$esignat+ p>agraphs 7#c71 7#d71 & 7#e7 z p>agraphs 7#e71 7#f71 & 7#g71 respectively2 & 7,d7 by ins]t+ aft] p>agraph 7#b7 ! foll[+3 7#c7 ,! ,attorney ,g5]al1 aft] consultation ) a ,unit$ ,/ates tru/ee t has appo9t$ an individual "u subsection 7b7 ( ?is section to s]ve z /&+ tru/ee 9 cases "u *apt] #aj ( title #aa1 %all fix-- 7,a7 a maximum annual comp5sation = su* individual consi/+ (-- 7i7 an am\nt n to exce$ ! #a4be times ! highe/ annual rate ( basic pay 9 effect = a position at level ,,iv ( ! ,executive ,s*$ule "u section #ecae ( title #e2 & 7ii7 ! ca% value ( employm5t b5efits comp>able to ! employm5t b5efits provid$ by ! ,unit$ ,/ates to individuals :o are employ$ by ! ,unit$ ,/ates at ! same rate ( basic pay to p]=m simil> s]vices dur+ ! same p]iod ( "t2 & 7,b7 a p]c5tage fee n to exce$ #aj p]c5t4 7#d7 ,an individual s]v+ z /&+ tru/ee 9 cases "u *apt] #aj ( title #aa %all collect su* p]c5tage fee f all paym5ts receiv$ by su* individual 7includ+ ! value ( prop]ty t5d]$ to su* individual7 "u plans 9 su* cases = :i* su* individual s]ves z /&+ tru/ee4 ,su* individual %all pay to ! ,unit$ ,/ates tru/ee1 & ! ,unit$ ,/ates tru/ee %all deposit 9 ! ,unit$ ,/ates ,tru/ee ,sy/em ,fund-- 7,a7 any am\nt by :i* ! actual comp5sation ( su* individual exce$s #e p]c5t ^u all paym5ts receiv$ "u plans 9 su* cases = :i* su* individual s]ves z /&+ tru/ee2 & 7,b7 any am\nt by :i* ! p]c5tage fee = all su* cases exce$s-- 7i7 su* individual's actual comp5sation = su* cases1 z adju/$ "u subp>agraph 7,a7 ( p>agraph 7#c72 plus 7ii7 ! actual1 necess>y exp5ses incurr$ by su* individual z /&+ tru/ee 9 su* cases4 ,subject to ! approval ( ! ,attorney ,g5]al1 any or all ( ! int]e/ e>n$ f ! deposit ( paym5ts "u plans by su* individual may be utiliz$ to pay actual1 necess>y exp5ses )\t reg>d to ! p]c5tage limitation conta9$ 9 p>agraph 7#c77;,b7 ( ?is subsection4 2 & 7#e7 by /rik+ subsection 7f74 7b7 ,regulations ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is ,act1 ! ,attorney ,g5]al %all promulgate regulations to implem5t a process = sub/itut+ a tru/ee "u section #ajja ( title #aa1 ,unit$ ,/ates ,code1 :5 necess>y4 ,v ,bankruptcy li5 fil+ sy/em #eja4 ,bankruptcy li5 fil+ sy/em 7a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is ,act1 ! ,director ( ! ,executive ,(fice ,= ,unit$ ,/ates ,tru/ees %all e/abli% a se>*able electronic sy/em = ! fil+ ( li5s creat$ by1 or "u1 title #aa1 ,unit$ ,/ates ,code1 includ+-- 7#a7 li5s creat$ "u section #ajbh7;i77#a7 ( t title2 & 7#b7 li5s creat$ pursuant to any ord] issu$ 9 a case "u t title4 7b7 ,regulations ,! ,attorney ,g5]al %all promulgate any necess>y regulations to effectuate ! e/abli%m5t & op]ation ( ! fil+ sy/em requir$ "u subsection 7a71 includ+ regulations relat+ to ! effect ( ! fil+ ( a li5 9 ! sy/em4 ,,vi ,miscellane\s #fja4 ,effective date ,! provisions ( ?is ,act & ! am5dm5ts made by ?is ,act %all take effect on ! date t is #a ye> aft] ! date ( enactm5t ( ?is ,act4 #fjb4 ,transition ,a case comm5c$ "u title #aa1 ,unit$ ,/ates ,code1 be=e ! date t is #a ye> aft] ! date ( enactm5t ( ?is ,act1 & all matt]s & proce$+s 9 or relat+ to any su* case1 %all be conduct$ & det]m9$ z if ?is ,act _h n be5 enact$1 & ! sub/antive rights ( p>ties 9 connection ) any su* bankruptcy case1 matt]1 or proce$+ %all cont9ue to be gov]n$ by ! law applicable to su* case1 matt]1 or proce$+ z if ! ,act _h n be5 enact$4 #fjc4 ,sev]ability ,if any provision ( ?is ,act1 an am5dm5t made by ?is ,act1 or ! application ( su* provision or am5dm5t to any p]son or circum/ance is held to be invalid or uncon/itutional1 ! rema9d] ( ?is ,act1 ! am5dm5ts made by ?is ,act1 & ! application ( su* provisions to any p]son or circum/ance %all n be affect$ !reby4