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	<title>Kansas Bankruptcy Law Information&#187; Judge Karlin</title>
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	<link>http://bankruptcykansas.info</link>
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		<title>Gap Insurance, Warranty Not PMSI</title>
		<link>http://bankruptcykansas.info/gap-insurance-warranty-not-pmsi/</link>
		<comments>http://bankruptcykansas.info/gap-insurance-warranty-not-pmsi/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 03:05:33 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Vehicles]]></category>
		<category><![CDATA[GAP insurance]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Miller]]></category>
		<category><![CDATA[PMSI]]></category>
		<category><![CDATA[service contract]]></category>
		<category><![CDATA[transformation rule]]></category>
		<category><![CDATA[warranty]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3741</guid>
		<description><![CDATA[“TRANSFORMATION” RULE AND NEGATIVE EQUITY DISCUSSED; GAP INSURANCE, SERVICE CONTRACT NOT PART OF COLLATERAL In re Miller, Case No 08-40935 December 2008, Judge Karlin Debtor sought, and was permitted, to pay only the cost of the car, rather than cost plus other charges. Court did not rule on whether certain fees not adequately addressed by [...]
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<li><a href='http://bankruptcykansas.info/negative-equity/' rel='bookmark' title='Negative Equity'>Negative Equity</a> <small>NEGATIVE EQUITY ISSUE NOT RULED UPON IN 1327 CASE In...</small></li>
<li><a href='http://bankruptcykansas.info/force-placed-insurance-part-of-910-vehicle-claim/' rel='bookmark' title='Is Force Placed Insurance Part of 910 Vehicle Claim?'>Is Force Placed Insurance Part of 910 Vehicle Claim?</a> <small>COST OF FORCED PLACED INSURANCE IS PART OF PMSI FOR...</small></li>
</ol>]]></description>
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		</item>
		<item>
		<title>What Is Business Use of Vehicle?</title>
		<link>http://bankruptcykansas.info/business-use-of-vehicle/</link>
		<comments>http://bankruptcykansas.info/business-use-of-vehicle/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 02:50:11 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Vehicles]]></category>
		<category><![CDATA[910 car claim]]></category>
		<category><![CDATA[Bolze]]></category>
		<category><![CDATA[business use]]></category>
		<category><![CDATA[hanging paragraph]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Lowder]]></category>
		<category><![CDATA[Wilson]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3728</guid>
		<description><![CDATA[BUSINESS USE MUST BE “SIGNIFICANT” TO ESCAPE 910 FULL PAYMENT In re Wilson, Case No. 06-40637 December 2006, Judge Karlin Debtor sought to avoid the full payment requirement of the 910 car loan provision. Debtors were using the vehicles in question for personal and business use, as they served as foster parents. The court followed [...]
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<li><a href='http://bankruptcykansas.info/personal-use-of-vehicle-for-910-claim/' rel='bookmark' title='What Is Personal Use of Vehicle for 910 Claim?'>What Is Personal Use of Vehicle for 910 Claim?</a> <small>PERSONAL VS. BUSINESS USE FOR 910 CAR CLAIMS In re...</small></li>
<li><a href='http://bankruptcykansas.info/910-car-claims-get-interest/' rel='bookmark' title='910 Car Claims Get Interest'>910 Car Claims Get Interest</a> <small>SURRENDER IN FULL SATISFACTION OF 910 AND PAYMENT IN FULL...</small></li>
<li><a href='http://bankruptcykansas.info/creditor-gets-deficiency-claim-after-collateral-surrender/' rel='bookmark' title='Creditor Gets Deficiency Claim After Collateral Surrender'>Creditor Gets Deficiency Claim After Collateral Surrender</a> <small>10th CIRCUIT ‘RULES’ In re Rule, Case No. 06-22145 July,...</small></li>
</ol>]]></description>
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		<title>910 Car Claims Get Interest</title>
		<link>http://bankruptcykansas.info/910-car-claims-get-interest/</link>
		<comments>http://bankruptcykansas.info/910-car-claims-get-interest/#comments</comments>
		<pubDate>Sat, 16 Jan 2010 01:06:50 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Vehicles]]></category>
		<category><![CDATA[10th Circuit]]></category>
		<category><![CDATA[1325]]></category>
		<category><![CDATA[506]]></category>
		<category><![CDATA[910 car claim]]></category>
		<category><![CDATA[Ballard]]></category>
		<category><![CDATA[Bankruptcy Appellate Panel]]></category>
		<category><![CDATA[BAP]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[Citifinancial Auto]]></category>
		<category><![CDATA[discount rate]]></category>
		<category><![CDATA[Hernandez-Simpson]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Jones]]></category>
		<category><![CDATA[Judge Berger]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Judge Robinson]]></category>
		<category><![CDATA[Judge Somers]]></category>
		<category><![CDATA[Kinsey]]></category>
		<category><![CDATA[McClay]]></category>
		<category><![CDATA[Thomas]]></category>
		<category><![CDATA[Vega]]></category>
		<category><![CDATA[Wampler]]></category>
		<category><![CDATA[Wilson]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/3670/</guid>
		<description><![CDATA[SURRENDER IN FULL SATISFACTION OF 910 AND PAYMENT IN FULL WITH NOT INTEREST NOT ALLOWED In re McClay, Case No. 07-20106 October 2008, Judge Berger 910 vehicle case. Plan provided for payment of full debt with no interest and option to surrender in full satisfaction. This was found to be an attempt to modify prospectively [...]
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<li><a href='http://bankruptcykansas.info/creditor-gets-deficiency-claim-after-collateral-surrender/' rel='bookmark' title='Creditor Gets Deficiency Claim After Collateral Surrender'>Creditor Gets Deficiency Claim After Collateral Surrender</a> <small>10th CIRCUIT ‘RULES’ In re Rule, Case No. 06-22145 July,...</small></li>
<li><a href='http://bankruptcykansas.info/personal-use-of-vehicle-for-910-claim/' rel='bookmark' title='What Is Personal Use of Vehicle for 910 Claim?'>What Is Personal Use of Vehicle for 910 Claim?</a> <small>PERSONAL VS. BUSINESS USE FOR 910 CAR CLAIMS In re...</small></li>
<li><a href='http://bankruptcykansas.info/1457/' rel='bookmark' title='What Interest Rate Does the Chapter 13 Bankruptcy Trustee Pay on Secured Claims?'>What Interest Rate Does the Chapter 13 Bankruptcy Trustee Pay on Secured Claims?</a> <small>EXPLANATION OF THE TOPEKA DISCOUNT RATE by Jan Hamilton, Standing...</small></li>
</ol>]]></description>
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		<item>
		<title>How Much Is My Attorney Paid to Defend Dismissal?</title>
		<link>http://bankruptcykansas.info/how-much-my-attorney-paid-defend-dismissal/</link>
		<comments>http://bankruptcykansas.info/how-much-my-attorney-paid-defend-dismissal/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 00:57:59 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[attorneys fees]]></category>
		<category><![CDATA[Beck]]></category>
		<category><![CDATA[debtor attorneys fees]]></category>
		<category><![CDATA[defending dismissal]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Judge Nugent]]></category>
		<category><![CDATA[Kiser]]></category>
		<category><![CDATA[presumptive fee]]></category>
		<category><![CDATA[Wichita]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/3665/</guid>
		<description><![CDATA[WICHITA NO LOOK FEE FOR DEFENDING MOTIONS TO DISMISS MAY BE $350.00 In re Kiser, Case No. 06-11453 January 2009, Judge Nugent Debtor filed a motion to modify plan to increase monthly payment and to pay attorney fees of $500.00. Court allowed $400.00. Judge Nugent quoted Judge Karlin in Beck in supporting its conclusion that [...]
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<li><a href='http://bankruptcykansas.info/my-car-is-paid-for-can-i-deduct-ownership-expense-means-test/' rel='bookmark' title='My Car Is Paid For, Can I Deduct Ownership Expense on Means Test?'>My Car Is Paid For, Can I Deduct Ownership Expense on Means Test?</a> <small>OWNERSHIP EXPENSE NOT ALLOWED IF VEHICLE PAID FOR In re...</small></li>
</ol>]]></description>
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		<item>
		<title>How Much are Chapter 13 Bankruptcy Fees in Topeka?</title>
		<link>http://bankruptcykansas.info/how-much-chapter-13-bankruptcy-fees-topeka/</link>
		<comments>http://bankruptcykansas.info/how-much-chapter-13-bankruptcy-fees-topeka/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 00:30:19 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[330]]></category>
		<category><![CDATA[attorneys fees]]></category>
		<category><![CDATA[Beck]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 fees]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[presumptive fees]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3643</guid>
		<description><![CDATA[13 ATTORNEY FEES IN TOPEKA In re Beck, Case No. 06-40774 February 2007, Judge Karlin This case should be read in conjunction with the later rendered Professional Fee and Expense Guidelines in Bankruptcy Cases of Judge Karlin. Based upon 330, the evidence and the Johnson factors, the presumptive fee for below the line debtors is [...]
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</ol>]]></description>
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		<title>What Is Personal Use of Vehicle for 910 Claim?</title>
		<link>http://bankruptcykansas.info/personal-use-of-vehicle-for-910-claim/</link>
		<comments>http://bankruptcykansas.info/personal-use-of-vehicle-for-910-claim/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 02:18:27 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Vehicles]]></category>
		<category><![CDATA[1325(a)(5)(B)]]></category>
		<category><![CDATA[506]]></category>
		<category><![CDATA[910 car claim]]></category>
		<category><![CDATA[Bolze]]></category>
		<category><![CDATA[business use]]></category>
		<category><![CDATA[hanging paragraph]]></category>
		<category><![CDATA[Humphrey]]></category>
		<category><![CDATA[Judge Berger]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Lowder]]></category>
		<category><![CDATA[personal use]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3707</guid>
		<description><![CDATA[PERSONAL VS. BUSINESS USE FOR 910 CAR CLAIMS In re Lowder, Case No. 05-44802 August 2006, Judge Karlin Creditor objected to confirmation as debtor sought to avoid the 910 car loan restriction by arguing that she used the car to get to and from work and, therefore, not “personal”.  Debtor contended that Toyota is entitled [...]
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<li><a href='http://bankruptcykansas.info/910-car-claims-get-interest/' rel='bookmark' title='910 Car Claims Get Interest'>910 Car Claims Get Interest</a> <small>SURRENDER IN FULL SATISFACTION OF 910 AND PAYMENT IN FULL...</small></li>
<li><a href='http://bankruptcykansas.info/force-placed-insurance-part-of-910-vehicle-claim/' rel='bookmark' title='Is Force Placed Insurance Part of 910 Vehicle Claim?'>Is Force Placed Insurance Part of 910 Vehicle Claim?</a> <small>COST OF FORCED PLACED INSURANCE IS PART OF PMSI FOR...</small></li>
</ol>]]></description>
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		<item>
		<title>What If Debtor Destroys Collateral?</title>
		<link>http://bankruptcykansas.info/if-debtor-destroys-collateral/</link>
		<comments>http://bankruptcykansas.info/if-debtor-destroys-collateral/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 01:38:57 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Bad Outcomes, Fraud, Bankruptcy Crimes]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Discharge]]></category>
		<category><![CDATA[5th amendment]]></category>
		<category><![CDATA[complaint]]></category>
		<category><![CDATA[dischargeability of debt]]></category>
		<category><![CDATA[extension of time]]></category>
		<category><![CDATA[intentional destruction of collateral]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Murrow]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3691</guid>
		<description><![CDATA[INTENTIONAL DESTRUCTION OF COLLATERAL? In re Murrow, Case No. 07-41061 March 2008, Judge Karlin Creditor was give an additional time to amend its complaint. Debtor took the 5th but the intimation of the discussion in the decision is that debtor likely intentionally destroyed the vehicle but insufficient facts were alleged. Digest by:  Jan Hamilton, Trustee [...]
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<li><a href='http://bankruptcykansas.info/when-do-circumstances-change-the-bankruptcy-means-test/' rel='bookmark' title='Surrendered Collateral Doesn&#8217;t Count on Bankruptcy Means Test?'>Surrendered Collateral Doesn&#8217;t Count on Bankruptcy Means Test?</a> <small>22C EXPENSE NOT PERMITTED ON SURRENDERED COLLATERAL In re Miller,...</small></li>
</ol>]]></description>
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		<title>No Counseling for Involuntary Bankruptcy</title>
		<link>http://bankruptcykansas.info/no-counseling-for-involuntary-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/no-counseling-for-involuntary-bankruptcy/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 00:07:37 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Conversion]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[109(h)]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[credit counseling certificate]]></category>
		<category><![CDATA[credit counseling required]]></category>
		<category><![CDATA[involuntary bankruptcy]]></category>
		<category><![CDATA[involuntary debtor]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Sims]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3619</guid>
		<description><![CDATA[INVOLUNTARY DEBTOR NOT REQUIRED TO OBTAIN PRE PETITION COUNSELING In re Sims, Case No. 08-41668 January 2009, Judge Karlin 109(h) pre petition counseling requirements do not apply to an involuntary debtor. Digest by:  Jan Hamilton, Trustee Related posts: No Credit Counseling Certificate, No Bankruptcy 109(h) CREDIT COUNSELING NOT OBTAINED WITHIN 180 DAYS IS FATAL... Foreclosure [...]
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</ol>]]></description>
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		<title>Tax Refunds to Attorney Fees then Bankruptcy Trustee</title>
		<link>http://bankruptcykansas.info/tax-refunds-attorney-fees-then-bankruptcy-trustee/</link>
		<comments>http://bankruptcykansas.info/tax-refunds-attorney-fees-then-bankruptcy-trustee/#comments</comments>
		<pubDate>Tue, 12 Jan 2010 00:50:14 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Trustees]]></category>
		<category><![CDATA[Black-Watkins]]></category>
		<category><![CDATA[chapter 7 trustee]]></category>
		<category><![CDATA[Hodes]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Lamie]]></category>
		<category><![CDATA[Lentz]]></category>
		<category><![CDATA[Redmond]]></category>
		<category><![CDATA[Sydmark]]></category>
		<category><![CDATA[tax refund assignments]]></category>
		<category><![CDATA[tax refunds turnover]]></category>
		<category><![CDATA[Ucc1]]></category>
		<category><![CDATA[Wagers]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3659</guid>
		<description><![CDATA[TAX REFUND ASSIGNMENTS AND CHAPTER 7 In re: Sydmark, Case No. 06-41218 In re: Black-Watkins, Case No. 05-42439 June, 2008, Judge Karlin Lamie v. US and Redmond v. Lentz, Hodes and Wagers redux. Assignment of a tax refund does not divest the estate of an interest in them, even though UCC1 was filed. In a [...]
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</ol>]]></description>
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		<title>Do I Have to Pay My Creditor&#8217;s Attorneys Fees?</title>
		<link>http://bankruptcykansas.info/do-i-have-pay-my-creditors-attorneys-fees/</link>
		<comments>http://bankruptcykansas.info/do-i-have-pay-my-creditors-attorneys-fees/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 00:39:09 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[2016]]></category>
		<category><![CDATA[attorney fees]]></category>
		<category><![CDATA[creditor attorneys fees]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Loy]]></category>
		<category><![CDATA[proof of claim]]></category>
		<category><![CDATA[South and Associates]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3650</guid>
		<description><![CDATA[2016 APPLICATIONS BY CREDITORS In re Loy, Case No. 07-41333 December 2007, Judge Karlin This case contains a discussion of the various issues that are to be considered by court and counsel in the context of a 2016 application by a creditor. This same issues present themselves in proofs of claim issues pertaining to attorney [...]
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