Thoughts on the Local Legal Culture The Case of Consumer Chapter Choice
The choice of chapter by consumer filers cannot be reliably predicted by economic differences among jurisdictions or by legal differences such as the variance in state exemption levels. 2 In order to explain why, for example, chapter 13 cases account for 70 percent of
The Impact of the Coming Fee-waiver Provision
Pursuant to 28 U.S.C. §1930, all chapter 7 debtors are currently required to pay a filing fee, although some debtors pay the fee in installments. For the first time, under S. 420 and H.R. 333, the court may waive payment of the filing fee in chapter 7 cases. The