But I’m staying busy. Busier some days than I would like to be.
I thought it might be fun to look at the change in the composition of my cases over the past two years.
More complicated cases
There don’t seem to be any simple cases anymore. Debtors who have managed to avoid filing bankruptcy til this late in the Great Recession don’t lead simple lives. Their issues are more complicated, the competing interests are stronger.
Complex cases take more of my time and support a larger fee.
I’ve just completed the liability phase of a nondischargeability case, defending a debtor from charges that his moonlighting in the same field as his employer created a non dischargeable debt.
While bankruptcy litigation is down along with filings, there always seem to be more need for good bankruptcy trial lawyers than there is supply.
There are certainly more discharge violations than are ever enforced for the benefit of our clients. Go on, make that discharge mean something.
Mortgage servicing complaints
For all the attention that mortgage servicing has gotten lately, it doesn’t seem to have gotten any better. I’m finding that in or out of bankruptcy, homeowners have issues with the servicing on their loans.
And, praise be, we have some new tools to help homeowners in the beefed up procedures for getting information from the servicers.
I’m just getting back the first wave of responses to my requests for information on behalf of clients. It remains to be seen whether the fixes will be administrative or litigation driven.
It’s clear to me that there is a need for accountability in the servicing world.
Bankruptcy intersects family law
The family law bar feeds me cases as fast as I can digest them. Most families are fairly financially precarious when intact. The same income can seldom support two separate households. Bankruptcy can at least start the former spouses out with less economic baggage.
Yesterday’s new case involved the rights of a family lawyer against the other spouse in that spouse’s bankruptcy case. The family court awarded the lawyers a lien on the community’s share of a partnership holding a commercial building. My task will be to figure out the extent which that lien is enforceable in a Chapter 7 case.
So far, my days have been busy without resorting to cleaning my office or updating my client handouts.
How about you? What’s keeping you busy?
Image courtesy of Flickr and John Haslam.