{"id":466,"date":"2024-06-18T14:50:11","date_gmt":"2024-06-18T14:50:11","guid":{"rendered":"https:\/\/www.cianchetta.com\/practice-areas\/bankruptcy\/covid-19-and-bankruptcy\/"},"modified":"2024-11-12T13:26:13","modified_gmt":"2024-11-12T21:26:13","slug":"covid-19-and-bankruptcy","status":"publish","type":"page","link":"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/covid-19-and-bankruptcy\/","title":{"rendered":"COVID-19 And Bankruptcy"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"466\" class=\"elementor elementor-466\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-757e54b3 e-flex e-con-boxed e-con e-parent\" data-id=\"757e54b3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-504d4379 elementor-widget elementor-widget-spacer\" 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src=\"https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1024x564.jpg\" class=\"attachment-large size-large wp-image-781\" alt=\"Businessman and lawyer discuss the contract document. Treaty of the law. Sign a contract business.\" srcset=\"https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1024x564.jpg 1024w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--300x165.jpg 300w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--768x423.jpg 768w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1536x846.jpg 1536w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business-.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1163b8dc elementor-widget elementor-widget-heading\" data-id=\"1163b8dc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COVID-19 And Bankruptcy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-404a00f7 elementor-widget elementor-widget-text-editor\" data-id=\"404a00f7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"ContentWrapper__Section-sc-s1s3ta-0 ivPQSY\"><div class=\"Content__Component-sc-hqrafu-1 jzrwaK\"><h4>What You Need To Know If You Are In The Process Of Filing For Bankruptcy During the COVID-19\/Coronavirus Crisis<\/h4><p>Although the bankruptcy courts are not allowing personal appearances, they are open for business as usual, and other than not being able to meet face-to-face in my office the process for filing a bankruptcy is not substantially different than it was before the COVID-19 crisis.<\/p><p>Chapter 13\u00a0confirmation hearings and hearings on miscellaneous chapter 13 matters may are still proceeding, however, there are no personal appearances, only telephone appearances are allowed.<\/p><p>The\u00a0<a href=\"https:\/\/www.cacb.uscourts.gov\/faq\/341a-meeting-creditors-what-it-and-who-must-attend\" target=\"_blank\" rel=\"noreferrer noopener\">341 meeting of creditors<\/a>\u00a0have been delayed, which resulted in extensions of time in all of the cases delayed including discharge. Now that the Trustees have a system for teleconferencing 341 meeting of creditors and video conferencing for chapter 13 341 meeting of creditors time schedules should be back on track.<\/p><h4>Filed In The Past And Are Mid-Bankruptcy:<\/h4><p><a href=\"https:\/\/www.cianchetta.com\/es\/california-bankruptcy-attorney\/covid-19-and-bankruptcy\/stimulus-bill\/\">Stimulus Checks<\/a>\u00a0\u2013 will they be forfeited in a bankruptcy? In a\u00a0<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/california-chapter-13-bankruptcy\/\">chapter 13\u00a0bankruptcy<\/a>, the funds will not need to be paid into the bankruptcy estate, in an already filed\u00a0<a href=\"https:\/\/www.cianchetta.com\/es\/california-chapter-7-bankruptcy-attorney\/\">chapter 7 bankruptcy<\/a>, you may need to go back and exempt the funds. This is not clearly set out in the\u00a0<a href=\"https:\/\/home.treasury.gov\/policy-issues\/coronavirus\/about-the-cares-act\" target=\"_blank\" rel=\"noreferrer noopener\">CARES act<\/a>; therefore, we would advise exempting the funds.<\/p><p><a href=\"https:\/\/home.treasury.gov\/policy-issues\/coronavirus\" target=\"_blank\" rel=\"noreferrer noopener\">Relief payments<\/a>\u00a0\u2013 how will they impact income when filing for Ch. 7 or 13? Other than exempting the funds in the bank, there will be no effect on filing either a chapter 7 or chapter 13 bankruptcy case.<\/p><h4>Considering Filing For Bankruptcy:<\/h4><p>Filing for\u00a0<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/\">bankruptcy<\/a>\u00a0at the moment is still possible. We have a process set up to assist persons in dire financial crisis.<\/p><h4>Is An Automatic Stay Still Possible During This Time?<\/h4><p>Yes, as soon as you file bankruptcy the automatic stay protects you. Nothing has changed regarding the imposition of the automatic stay.<\/p><h4>Can I Get The Creditors To Stop Calling Me Now?<\/h4><p>Yes, we have a process where we direct all communications through our office prior to filing bankruptcy. That process is fairly simple and if you have retained us with a partial payment of fees, we will send notice to creditors to cease communication with you. If they continue, they are in violation of several state and federal laws, this is what causes the creditors to stop calling you.<\/p><h4>Should I Wait To Get My Stimulus Check Before Filing For Bankruptcy?<\/h4><p>The answer to this question is really up to your current situation. The stimulus check cannot be used to determine whether you are eligible for filing bankruptcy. If you file for Chapter 13 bankruptcy, you will not have to turn your stimulus check over to your creditors. If you file a\u00a0Chapter 7 bankruptcy, you need to exempt the funds. If you wait until you receive the funds and spend them then there is nothing to worry about.<\/p><p>The United States Trustee issued a\u00a0<em>Notice to Chapter 7 and 13 Trustees Regarding Recovery Rebates Paid to Consumer Bankruptcy Debtors Under the Cares Act of 2020<\/em>, on April 7, 2020, which stated \u201c[t]he Act is silent as to whether the recovery rebate is property of the estate. In chapter 7 cases, the \u201cproperty of the estate\u201d issue will only arise in cases filed after March 27, 2020, the effective date of the Act. Regardless of whether the rebate is property of the estate, the United States Trustee expects that it is highly unlikely that the trustee would administer the payment after consideration of all relevant circumstances, including: the modest amount of the recovery rebate; the applicability of state and federal exemptions; any interest of a non-debtor spouse in the recovery rebate; the cost to the estate of recovering and administering the recovery rebate, including litigation with debtors who may seek a judicial determination; and the extent to which recovering the recovery rebate will enable creditors to receive a meaningful distribution.\u201d<\/p><p>Looking at this from an experiential aspect of what Chapter 7 Trustees have done in the past, the Stimulus of a family of 4 would be typically $3,400.00 ($1,200\u00d72+500\u00d72) which would mean Trustee Compensation of $800.00 (25% of the first $5,000) and distribution to creditors of $2,400.00. In my experience most of the chapter 7 Trustees I have worked with would seek turnover of this amount of money which could result in about a 5% distribution to $50,000 in filed claims.<\/p><p>It is very important to discuss your individual circumstances with an attorney prior to filing bankruptcy to ensure the stimulus does not go directly to your creditors without helping your family.<\/p><\/div><\/div><section class=\"SideWrapper__Section-sc-1nbg6gy-0 fIGafk\"><aside class=\"SidebarForm__Sidebar-sc-1tp1tyi-0 fcLhhs\"><\/aside><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b64981 e-con-full e-flex e-con e-child\" data-id=\"1b64981\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6855b0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b6855b0\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27e8d51 elementor-widget elementor-widget-text-editor\" data-id=\"27e8d51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For more information on\u00a0<span style=\"font-weight: bolder;\">Filing Bankruptcy During COVID-19 Crisis,<\/span>\u00a0a\u00a0<a style=\"background-color: #fbfcfe;\" href=\"https:\/\/www.cianchetta.com\/es\/contact\/\">consultation<\/a>\u00a0with an experienced California Bankruptcy Attorney is your next best step. Get the information and legal answers you are seeking by calling\u00a0<span style=\"font-weight: bolder;\">(916) 685-7878\u00a0<\/span>today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>COVID-19 And Bankruptcy What You Need To Know If You Are In The Process Of Filing For Bankruptcy During the COVID-19\/Coronavirus Crisis Although the bankruptcy courts are not allowing personal appearances, they are open for business as usual, and other than not being able to meet face-to-face in my office the process for filing a [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":444,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-466","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>COVID-19 And Bankruptcy - 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