The Advanced Bankruptcy Package Table of Contents

The Attorney’s Handbook on Consumer Bankruptcy and Chapter 13

CONTENTS:

Chapter One – ADVISING A CONSUMER DEBTOR

1.01 Analyzing a Debtor’s Financial Problem
1.02 The Nonbankruptcy Alternatives
1.03 Chapter 7 vs. Chapter 13
Exhibit 1-A: Agreement For Payment of Debts

Chapter Two – LIQUIDATION UNDER CHAPTER 7

PART A. Questions and Answers About Chapter 7 Bankruptcies

PART B. Preparing A Chapter 7 Case
2.01 Chapter 7 – A General Description
2.02 The Local Bankruptcy Rules and Forms
2.03 The Duties and Liabilities of the Debtor’s Attorney
2.04 Interviewing the Debtor – Matters to Cover
2.05 The Credit Counseling and Financial Management Course Requirements
2.06 The Chapter 7 Bankruptcy Forms
2.07 Preparing Chapter 7 Forms for Filing
2.08 Claiming Exemptions

PART C. Filing and Handling a Chapter 7 Case
2.09 Filing a Chapter 7 Case – Electronic Filing
2.10 The Automatic Stay
2.11 Duties of the Debtor
2.12 Rights of the Debtor
2.13 The Meeting of Creditors
2.14 Filing Amended Schedules and Statements
2.15 The Debtor’s Bankruptcy Estate
2.16 Duties and Powers of the United States Trustee and the Bankruptcy Trustee
2.17 The Chapter 7 Discharge
2.18 Reaffirming Dischargeable Debts
2.19 Creditors – Claims, Setoffs and Dividends
2.20 The Dismissal, Conversion, or Closing of a Chapter 7 Case

EXHIBITS FOR CHAPTER TWO

2-A Disclosure of Compensation of Attorney For Debtor
2-B Notices and Disclosures to Assisted Persons
2-C Bankruptcy Work Sheets
2-D Statement of Social Security Number(s)
2-E Statement of Current Monthly Income and Means Test Calculation
2-F Voluntary Petition
2-G Schedule A – Real Property
2-H Schedule B – Personal Property
2-I Schedule C – Property Claimed as Exempt
2-J Schedule D – Creditors Holding Secured Claims
2-K Schedule E – Creditors Holding Unsecured Priority Claims
2-L Schedule F – Creditors Holding Unsecured Nonpriority Claims
2-M Schedule G – Executory Contracts and Unexpired Leases
2-N Schedule H – Codebtors
2-O Schedule I – Current Income of Individual Debtor(s)
2-P Schedule J – Current Expenditures of Individual Debtor(s)
2-Q Declaration Concerning Debtor’s Schedules
2-R Statistical Summary of Certain Liabilities
2-S Summary of Schedules
2-T Statement of Financial Affairs
2-U Application and Order to Pay Filing Fee in Installments
2-V Application for Waiver of Chapter 7 Filing Fee
2-W Chapter 7 Individual Debtor’s Statement of Intention
2-X Notice to Individual Consumer Debtor(s)
2-Y Declaration Regarding Electronic Filing
2-Z Motion to Redeem Personal Property Under Section 722
2-Z1 Motion to Avoid Security Interest in Exempt Property Under Section 522(f)
2-Z2 Amended Schedule F – Creditors Holding Unsecured Nonpriority Claims
2-Z3 Bankruptcy Form B 240 Documents (Reaffirmation Agreement Documents)
2-Z4 Debtor’s Certification of Completion of Instructional Course Concerning Personal Financial Management
2-Z5 Statement of Military Service

Chapter Three – ADJUSTMENT OF DEBTS UNDER CHAPTER 13

PART A. Questions and Answers About Chapter 13 Cases

PART B. Preparing a Chapter 13 Case

3.01 Chapter 13 – A General Description
3.02 The Local Rules and Forms
3.03 The Duties and Liabilities of the Debtor’s Attorney
3.04 The Chapter 13 Eligibility Requirements
3.05 Interviewing the Debtor – Matters to Cover
3.06 Debtors Engaged in Business
3.07 Determining the Debtor’s Disposable Income
3.08 Devising a Confirmable Chapter 13 Plan
3.09 Preparing the Chapter 13 Forms

PART C. Filing and Handling a Chapter 13 Case

3.10 Filing a Chapter 13 Case – Electronic Filing
3.11 The Automatic Stay
3.12 The Meeting of Creditors
3.13 Obtaining Confirmation of a Chapter 13 Plan
3.14 The Chapter 13 Trustee
3.15 Modifying a Chapter 13 Plan After Confirmation – Postpetition Debts
3.16 Creditors – Claims and Payments
3.17 An Unsuccessful Chapter 13 Case – Dismissal or Conversion to Chapter 7
3.18 The Chapter 13 Discharges
3.19 Closing a Chapter 13 Case

EXHIBITS FOR CHAPTER THREE

3-A Application For Allowance of Compensation
3-B Statement of Current Monthly Income and Disposable Income Calculation
3-C Chapter 13 Plan
3-D Order Confirming Chapter 13 Plan
3-E Motion to Modify Chapter 13 Plan After Confirmation
3-F Request For Trustee’s Prior Approval of Consumer Debt
3-G Proof of Claim
3-H Notice of Conversion of Chapter 13 Case to Chapter 7 Under Section 1307(a)
3-I Motion to Dismiss Case Under Section 1307(b)
3-J Motion For Discharge of Debtors Under Section 1328(b)
3-K Order Discharging Debtors Under Section 1328(a)
3-L Order Discharging Debtors Under Section 1328(b)

APPENDIXES

Appendix I – THE BANKRUPTCY CODE (Title 11, United States Code)
Appendix – II THE FEDERAL RULES OF BANKRUPTCY PROCEDURE
Appendix – III EXEMPT PROPERTY
Appendix – IV INTERIM BANKRUPTCY RULES

RETURN TO ADVANCED BANKRUPTCY PACKAGE

THE BANKRUPTCY ISSUES HANDBOOK

Chapter One – GENERAL BANKRUPTCY ISSUES

1.01 Under what circumstances is a person precluded from filing a bankruptcy case because he or she has been a debtor in another bankruptcy case within the preceding 180 days?

Ineligibility because of willful misconduct in prior case
Ineligibility because of voluntary dismissal after request for relief from stay
Effect of order of dismissal in prior case
Burden of proving debtor ineligibility

1.02 To what extent are debts that were or could have been listed in a prior bankruptcy case dischargeable in a subsequent bankruptcy case?

Dischargeability of debt when prior case was dismissed without granting discharge
Dischargeability of debt when discharge was waived or denied in prior case
Dischargeability of debt that was excepted from discharge in prior case

1.03 To what extent is a debtor protected from discrimination by Section 525 of the Bankruptcy Code and what are a debtor’s remedies for violations of Section 525?

Governmental discrimination prohibited by Section 525(a)
Entities to which Section 525(a) is applicable
Prohibited discrimination as to driver’s licenses
Prohibited discrimination as to other licenses and grants
Prohibited discrimination as to public housing
Prohibited discrimination as to governmental employment
Debtors’ remedies for Section 525(a) violations
Private employer discrimination prohibited by Section 525(b)
Debtors’ remedies for Section 525(b) violations
Student loan discrimination prohibited by Section 525(c)

1.04 To what extent is a debtor’s right to utility service protected by Section 366 of the Bankruptcy Code?

The applicability of Section 366
Restoration of utility service after prefiling termination
Protection from postfiling termination of utility service
Adequate assurance of payment for future service
Effect of state law on Section 366
Debtor’s remedies for violations of Section 366

1.05 To what extent may a debtor avoid liens on exempt property under Section 522(f) of the Bankruptcy Code?

The general aspects of lien avoidance under Section 522(f)
Avoiding judicial liens under Section 522(f)(1)(A)
The “judicial lien” requirement for lien avoidance
The “interest of the debtor in property” requirement for lien avoidance
The valid exemption requirement for lien avoidance
The impairment of exemption requirement for lien avoidance
The domestic support obligation exclusion to lien avoidance
The dischargeable debt requirement for lien avoidance
Avoiding security interests under Section 522(f)(1)(B)
The nonpossessory, nonpurchase-money security interest requirement
The types of property against which security interests may be avoided
The “interest of the debtor in property” and exemption requirements
The $5,475 limitation on security interest avoidance

1.06 To what extent are debts for educational loans and benefits nondischargeable in bankruptcy?

The source of loan requirements for nondischargeability
The “undue hardship” exception to nondischargeability
Dischargeability of co-obligors and nonstudent obligors
The former seven-year payment exception to nondischargeability

1.07 To what extent are divorce-related debts nondischargeable in bankruptcy?

Determining the nature of a divorce-related debt or obligation
The dischargeability under Section 523(a)(5) of debts for divorce-related attorney’s fees and litigation expenses
The dischargeability under Section 523(a)(5) of marital obligations owed to third parties
The dischargeability under Section 523(a)(5) of divorce-related hold-harmless debts
The dischargeability under Section 523(a)(5) of debts owed or assigned to governmental entities

1.08 What constitutes a debt for willful and malicious injury and to what extent are such debts nondischargeable in bankruptcy?

The definition and proof of willful and malicious injuries
The dischargeability of debts for intentional personal torts
The dischargeability of debts for vehicular torts
The dischargeability of debts for intentional conversion
The dischargeability of debts for aggravated breach of contract
The dischargeability of debts for failure to carry workers’ compensation insurance
The dischargeability of debts for intentional waste

1.09 To what extent are debts caused by drunk driving dischargeable in Bankruptcy?

Establishing the elements of nondischargeability
Proving intoxication in the bankruptcy court

1.10 To what extent are tax debts and debts for tax penalties and interest nondischargeable in bankruptcy?

The dischargeability of priority tax debts
The dischargeability of tax debts for which a return or equivalent report or notice was not filed or given
The dischargeability of tax debts for which a late or fraudulent return, report or notice was filed
The dischargeability of willfully evaded tax debts
The dischargeability of debts for tax penalties
The dischargeability of interest on tax debts
Suspending periods of limitation for tax debts
Subrogated nondischargeability for tax debts

1.11 To what extent are debts obtained by fraud, false pretenses, or false financial statements nondischargeable in bankruptcy?

The nondischargeability of debts obtained by false pretenses or false representations
The nondischargeability of debts obtained by actual fraud
The nondischargeability of debts obtained by false written financial statements
The presumptive nondischargeability of consumer debts and cash advances incurred within 90 days of bankruptcy
Collateral estoppel in Section 523(a)(2) proceedings

1.12 To what extent are debts owed to unlisted or improperly listed creditors dischargeable in bankruptcy?

The dischargeability of unlisted debts in Chapter 7 “no-asset” cases
The dischargeability of unlisted debts in cases other than Chapter 7 “no-asset” cases

1.13 To what extent can a debtor’s retirement funds and IRAs survive a bankruptcy case?

The survivability in bankruptcy of funds in retirement plans that are covered by ERISA
The exemption of retirement funds and IRAs under Section 522(d)(10)(E) and similar state exemption statutes

1.14 What types of prefiling transfers are avoidable in bankruptcy?

Transfers avoidable by state law under Section 544
Preferential transfers avoidable under Section 547(b)
Fraudulent transfers avoidable under Section 548(a)(1)

1.15 Under what circumstances and to what extent may a debtor recover damages for a violation of the automatic stay?

The “individual” requirement of Section 362(k)
The stay violation requirement of Section 362(k)
The “willful violation” requirement of Section 362(k)
The “injury” requirement for recovery under Section 362(k)
The amount of actual damages recoverable under Section 362(k)
Recovering punitive damages under Section 362(k)
Recovering damages against governmental units under Section 362(k)
Civil contempt remedies under Section 105(a)

1.16 Under what circumstances may a debtor recover costs and attorney’s fees from a creditor who challenges the dischargeability of a debt?

The requirement that nondischargeability be sought under Section 523(a)(2)
The “consumer debt” requirement for recovery
The “dischargeable debt” requirement for recovery
The “substantial justification” exception to recovery
The “special circumstances” exception to recovery
Amounts recoverable by the debtor under Section 523(d)
The procedure for obtaining an award under Section 523(d)

1.17 To what extent may a debtor avoid liens securing unallowed claims under Section 506(d) of the Bankruptcy Code?

The status of “lien stripping”
The avoidability of liens securing claims for unmatured domestic support obligations
The avoidability of liens securing claims of codebtors or guarantors for reimbursement or contribution
The avoidability of liens securing unfiled claims
The procedure for avoiding liens under Section 506(d)

1.18 To what extent may a debtor avoid nonconsensual liens on exempt property under Section 522(h) of the Bankruptcy Code?

The requirements for avoiding liens under Section 522(h)
The types of liens that are avoidable under Section 522(h)
The procedure for avoiding liens under Section 522(h)

Chapter Two – CHAPTER 7 BANKRUPTCY ISSUES

2.01 Under what circumstances and by whom may a Chapter 7 case be dismissed for cause under Section 707(a) of the Bankruptcy Code?

Voluntary dismissal
Involuntary dismissal

2.02 Under what circumstances may a Chapter 7 case be dismissed for “abuse” under Section 707(b) of the Bankruptcy Code?

The requirements for abuse dismissals after the BAPCPA
The “primarily consumer debts” requirement
Factors considered in an actual abuse motion

2.03 What is the extent of a debtor’s right to redeem property under Section 722 of the Bankruptcy Code?

The property requirements for redemption
The debt requirements for redemption
The payment requirements for redemption
The procedural requirements for redemption

Chapter Three – CHAPTER 13 BANKRUPTCY ISSUES

3.01 To what extent may defaults on secured obligations be cured and dealt with in Chapter 13 plans?

Determining whether an obligation is protected from modification by Section 1322(b)(2)
Curing defaults in secured obligations that are protected from modification by Section 1322(b)(2)
Curing defaults in secured obligations that are not protected from modification by Section 1322(b)(2) or are not protected by Section 1325(a)(5) (hanging paragraph)

 

The classification of unsecured claims
Unfair discrimination in the classification and treatment of unsecured claims
The classification and treatment of cosigned claims
The classification and treatment of student loan claims

3.03 What constitutes “good faith” in the proposal of a Chapter 13 plan?

Methods of determining good faith
Matters considered on the issue of good faith

RETURN TO ADVANCED BANKRUPTCY PACKAGE

 

Chapter 7, 11 and 13 Consumer Bankruptcy Forms

2013 Version

Our new Bankruptcy Forms contain every federal bankruptcy form in a “fillable” PDF format! Simply tab through the document, fill in the boxes and save the form to your desired folder.

 

These are the only forms available anywhere that have every federal bankruptcy form in fillable PDF format – all 102 of them, including all petitions, schedules and means tests forms.

 

These forms are designed for use with The Attorney’s Handbook on Consumer Bankruptcy and Chapter 13, 37th Edition, 2013.

 

They include everything you need as mandated by the BAPCPA. The forms include all the IRS local and regional tables for every state, Census Bureau median income information, and Ch. 13 multipliers needed to properly complete the means test for your clients.

 

Documents Included:

  • Full text of The Attorney’s Handbook on Consumer Bankruptcy and Chapter 13
  • All the information needed to fill-out the new 2011 means testing forms for Chapter 13 or Chapter 7 including:
    • All Census Bureau median family income tables for all 50 states
    • All IRS national standards tables
    • All IRS local standards for all 50 states
    • All Bankruptcy Ch. 13 multipliers for all 50 states
  • Information pertaining to the BAPCPA debtor audit program
  • The Official Interim Bankruptcy Rules
  • Forms for attorney notices to debtors as required under the BAPCPA
  • All chapters of the U.S. Bankruptcy Code (in MS Word format for easy cutting and pasting into documents or correspondence)
  • The New Federal Rules of Civil Procedure
  • The Federal Rules of Evidence
  • Questions and answers about Ch. 7 bankruptcy to use as a client handout
  • Questions and answers about Ch. 13 bankruptcy to use as a client handout
  • Questions and answers about Ch. 11 to use as a client handout
  • Bankruptcy worksheets used to collect all pertinent information from a client for properly filling out the required bankruptcy forms
  • Court information for every district in America
  • 2013 Director’s Procedural Bankruptcy Forms in fillable PDF and MS Word
    • FORM B 13S: Order Conditionally Approving Disclosure Statement, Fixing Time for Filing Acceptances or Rejections of Plan, and Fixing the Time for Filing Objections to the Disclosure Statement and to the Confirmation of the Plan, Combined with Notice Thereof and of the Hearing on Final Approval of the Disclosure Statement and the Hearing on Confirmation of the Plan
    • FORM B 15S: Order Finally Approving Disclosure Statement and Confirming Plan
    • FORM B 18F: Discharge of Debtor After Completion of Chapter 12 Plan
    • FORM B 18FH: Discharge of Debtor Before Completion of Chapter 12 Plan
    • FORM B 18J: Discharge of Joint Debtors (Chapter 7)
    • FORM B 18JO: Discharge of One Joint Debtor (Chapter 7)
    • FORM B 18W: Discharge of Debtor After Completion of Chapter 13 Plan
    • FORM B 18WH: Order Discharging Debtor Before Completion of Chapter 13 Plan
    • FORM B 104: Adversary Proceeding Cover Sheet
    • FORM B 130B: Adversary Proceeding Index Card
    • FORM B 131: Exemplification Certificate
    • FORM B 132: Application for Search of Bankruptcy Records
    • FORM B 133: Claims Register
    • FORM B 200: Required Lists, Schedules, Statements and Fees
    • FORM B 201A: Notice to Individual Consumer Debtors
    • FORM B 201B: Certification of Notice to Individual Consumer Debtors
    • FORM B 202: Statement of Military Service
    • FORM B 203: Disclosure of Compensation of Attorney for Debtor
    • FORM B 204: Notice of Need to File Proof of Claim Due to Recovery of Assets
    • FORM B 205: Notice to Creditors and Other Parties in Interest
    • FORM B 206: Certificate of Commencement of Case
    • FORM B 207: Certificate of Retention of Debtor In Possession
    • FORM B 210: Notice of Transfer of Claim Other Than for Security
    • FORM B 230A: Order Confirming Chapter 12 Plan
    • FORM B 230B: Order Confirming Chapter 13 Plan
    • FORM B 231A: Order Fixing Time to Object to Proposed Modification of Confirmed Chapter 12 Plan
    • FORM B 231B: Order Fixing Time to Object to Proposed Modification of Confirmed Chapter 13 Plan
    • FORM B 240A: Reaffirmation Documents
    • FORM B 240B: Motion for Approval of Reaffirmation Agreement
    • FORM B 240C: Order on Reaffirmation Agreement
    • FORM B 250A: Summons in an Adversary Proceeding
    • FORM B 250B: Summons and Notice of Pretrial Conference in an Adversary Proceeding
    • FORM B 250C: Summons and Notice of Trial in an Adversary Proceeding
    • FORM B 250D: Third-Party Summons
    • FORM B 250E: Summons to Debtor in Involuntary Case
    • FORM B 250F: Summons in Chapter 15 Case Seeking Recognition of a Foreign Nonmain Proceeding
    • FORM B 253: Order for Relief in an Involuntary Case
    • FORM B 254: Subpoena for Rule 2004 Examination
    • FORM B 255: Subpoena in an Adversary Proceeding
    • FORM B 256: Subpoena in a Case Under the Bankruptcy Code
    • FORM B 260: Entry of Default
    • FORM B 261A: Judgment by Default
    • FORM B 261B: Judgment by Default
    • FORM B 261C: Judgment in Adversary Proceeding
    • FORM B 262: Notice of Entry of Judgment
    • FORM B 263: Bill of Costs
    • FORM B 264: Writ of Execution to the United States Marshal
    • FORM B 265: Certification of Judgment for Registration in Another District
    • FORM B 270: Notice of Filing of Final Report of Trustee, of Hearing on Applications for Compensation
    • FORM B 271: Final Decree
    • FORM B 280: Disclosure of Compensation of Bankruptcy Petition Preparer
    • FORM B 281: Appearance of Child Support Creditor or Representative
    • FORM B 283: Ch. 13 Debtor’s Certifications Regarding Domestic Support Obligations and Section 522(q)
  • 2013 Official Bankrupcty Forms In Fillable PDF and MS Word
    • FORM B l: Voluntary Petition
    • FORM B1: Exhibit A to Voluntary Petition
    • FORM B1: Exhibit C to Voluntary Petition
    • FORM B1: Exhibit D to Voluntary Petition
    • FORM B 2: Declaration under Penalty of Perjury on Behalf of a Corporation or Partnership
    • FORM B 3A: Application and Order to Pay Filing Fee in Installments
    • FORM B 3B: Application for Waiver of Chapter 7 Filing Fee
    • FORM B 4: List of Creditors Holding 20 Largest Unsecured Claims
    • FORM B 5: Involuntary Petition
    • FORM B 6: Cover Sheet for Schedules
    • FORM B 6: Summary of Schedules (Includes Statistical Summary of Certain Liabilities)
    • FORM B 6A: Schedule A – Real Property
    • FORM B 6B: Schedule B – Personal Property
    • FORM B 6C: Schedule C – Property Claimed as Exempt
    • FORM B 6D: Schedule D – Creditors Holding Secured Claims
    • FORM B 6E: Schedule E – Creditors Holding Unsecured Priority Claims
    • FORM B 6F: Schedule F – Creditors Holding Unsecured Nonpriority Claims
    • FORM B 6G: Schedule G – Executory Contracts and Unexpired Leases
    • FORM B 6H: Schedule H – Codebtors
    • FORM B 6I: Schedule I – Current Income of Individual Debtor(s)
    • FORM B 6J: Schedule J- Current Expenditures of Individual Debtor(s)
    • FORM B 6: Declaration Concerning Debtor’s Schedules
    • FORM B 7: Statement of Financial Affairs
    • FORM B 8: Chapter 7 Individual Debtor’s Statement of Intention
    • FORM B 9: Notice of Commencement of Case under the Bankruptcy Code, Meeting of Creditors & Deadlines
    • FORM B 9A: Chapter 7 Individual or Joint Debtor No Asset Case
    • FORM B 9B: Chapter 7 Corporation/Partnership No Asset Case
    • FORM B 9C: Chapter 7 Individual or Joint Debtor Asset Case
    • FORM B 9D: Chapter 7 Corporation/Partnership Asset Case
    • FORM B 9E: Chapter 11 Individual or Joint Debtor Case
    • FORM B 9E(Alt.): Chapter 11 Individual or Joint Debtor Case
    • FORM B 9F: Chapter 11 Corporation/Partnership Case
    • FORM B 9F(Alt.): Chapter 11 Corporation/Partnership Case
    • FORM B 9G: Chapter 12 Individual or Joint Debtor Family Farmer
    • FORM B 9H: Chapter 12 Corporation/Partnership Family Farmer
    • FORM B 9I: Chapter 13 Case
    • FORM B10: Proof Of Claim
    • FORM B 11A: General Power of Attorney
    • FORM B 11B: Special Power of Attorney
    • FORM B 12: Order and Notice for Hearing on Disclosure Statement
    • FORM B 13: Order Approving Disclosure Statement and Fixing Time for Filing Acceptances or Rejections of Plan, Combined with Notice Thereof
    • FORM B 14: Ballot for Accepting or Rejecting Plan
    • FORM B 15: Order Confirming Plan
    • FORM B 16A: Caption
    • FORM B 16B: Caption (Short Title)
    • FORM B 16D: Caption for Use in Adversary Proceeding other than for a Complaint Filed by a Debtor
    • FORM B 17: Notice of Appeal under 28 U.S.C. §158(a) or (b) from a Judgment, Order or Decree of a Bankruptcy Court
    • FORM B 18: Discharge of Debtor
    • FORM B 18RI: Discharge of Individual Debtor in a Chapter 11 Case
    • FORM B 19: Declaration and Signature of Non-Attorney Bankruptcy Petition Preparer
    • FORM B 20A: Notice of Motion or Objection
    • FORM B 20B: Notice of Objection to Claim
    • FORM B 21: Statement of Social Security Number
    • FORM B 22A: Statement of Current Monthly Income and Means Test Calculation (Chapter 7)
    • FORM B 22B: Statement of Current Monthly Income (Chapter 11)
    • FORM B 22C: Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income (Chapter 13)
    • FORM B 23: Debtor’s Certification and Completion of Instructional Course Concerning Financial Management
    • FORM B 24: Certification to Court of Appeals
    • FORM B 25A: Plan of Reorganization in Small Business Case Under Ch. 11
    • FORM B 25B: Disclosure Statement in Small Business Case Under Ch.11
    • FORM B 25C: Small Business Monthly Operating Report
    • FORM B 26: Periodic Report Regarding Value, Operations and Profitability of Entities in Which the Debtor’s Estate Holds a Substantial or Controlling Interest
    • FORM B27: Reaffirmation Agreement Cover Sheet

     

    RETURN TO ADVANCED BANKRUPTCY PACKAGE