Central District Consumer Bankruptcy Attorney's Association

I'm interested.
Sincerely,
*
Daniela P. Romero*
*Law Office of Daniela P. Romero, APLC*
*1015 North Lake Ave., Ste. 212*
*Pasadena, CA 91104*
*Tel: (626) 817-2611*
*Fax: (626) 296-6991*
*email: dromerolaw@gmail.com *
*web: www.pasadenabankruptcylaw.com*

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me too
On Fri, Jan 11, 2013 at 11:37 AM, Giovanni Orantes wrote:
> **
>
>
> I'm interested.
>
>
>
>
> --
> Giovanni Orantes, Esq.
> Orantes Law Firm, P.C.
> 3435 Wilshire Blvd. Suite 1980
> Los Angeles, CA 90010
> Tel: (213) 389-4362
> Fax: (877) 789-5776
> e-mail: go@gobklaw.com
> website: www.gobklaw.com
>
> Board Certified - Business Bankruptcy Law - American Board of Certification
> Board Certified - Consumer Bankruptcy Law - American Board of Certification
>
>
>
Kirk Brennan, esq.
California Law Office, P.C.
www.calibankruptcysite.com
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letters containing the signature of a director.
me tooOn Fri, Jan 11, 2013 at 11:37 AM, Giovanni Orantes <go@gobklaw.com> wrote:
I'm interested.-- Giovanni Orantes, Esq. Orantes Law Firm, P.C.3435 Wilshire Blvd. Suite 1980Los Angeles, CA 90010
Tel: (213) 389-4362
Fax: (877) 789-5776e-mail: go@gobklaw.comwebsite: www.gobklaw.com
Board Certified - Business Bankruptcy Law - American Board of Certification
Board Certified - Consumer Bankruptcy Law - American Board of Certification
-- Kirk Brennan, esq.California Law Office, P.C.www.calibankruptcysite.comCONFIDENTIALITY NOTICE: This e-mail and any attachments are for the exclusive and confidential use of the intended recipient. If you are not the intended recipient, please do not read, distribute or take action in reliance on this message. If you have received this message in error, please notify us immediately by return e-mail and promptly delete this message and its attachments from your computer system. We do not waive attorney-client or work product privilege by the transmission of this message.
TAX ADVICE NOTICE: Tax advice, if any, contained in this e-mail does not constitute a "reliance opinion" as defined in IRS Circular 230 and may not be used to establish reasonable reliance on the opinion of counsel for the purpose of avoiding the penalty imposed by Section 6662A of the Internal Revenue Code. The firm provides reliance opinions only in formal opinion letters containing the signature of a director.

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I'm interested.
Giovanni Orantes, Esq.
Orantes Law Firm, P.C.
3435 Wilshire Blvd. Suite 1980
Los Angeles, CA 90010
Tel: (213) 389-4362
Fax: (877) 789-5776
e-mail: go@gobklaw.com
website: www.gobklaw.com
Board Certified - Business Bankruptcy Law - American Board of Certification
Board Certified - Consumer Bankruptcy Law - American Board of Certification
I'm interested.-- Giovanni Orantes, Esq. Orantes Law Firm, P.C.3435 Wilshire Blvd. Suite 1980Los Angeles, CA 90010Tel: (213) 389-4362
Fax: (877) 789-5776e-mail: go@gobklaw.comwebsite: www.gobklaw.comBoard Certified - Business Bankruptcy Law - American Board of Certification
Board Certified - Consumer Bankruptcy Law - American Board of Certification

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Interested, but I wonder if people would show early and how it would fit
with Keith's information, etc.
Steven B. Lever

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YES YES YES
>
> I am thinking of asking Aki to come to the program and discuss issues related to doing loan modifications during chapter 13 plan confirmation. Is there any interest in this? It would be from 10:40am to 11:00am before the regular program.
>
> Jon Hayes
>
> Below is an email Aki sent to many of you already. Now is the time to ask questions.
>
> Good afternoon Members of the Bar:
>
> For those cases were your client will be applying for a loan modification under the Homeowner's Bill of Rights and the arrearage for the 1TD causes the plan to be infeasible, please use the following language for cases filed with our office:
>
> "The debtor(s) will recapitalize the current arrearage in the amount of ____________with Secured Creditor ______________________________ by loan modification which will be completed within six months of the mortgage servicer's receipt of the loan modification application or within the six months after the filing of the case, whichever is greater. A true and correct copy of the Secured Creditor's Receipt of the Loan Modification Application is attached to the plan as Exhibit "A". Concurrently, a Stipulation for Relief from the Automatic Stay will also be filed with the court in order to facilitate modification of this loan pursuant to the "Homeowner's Bill of Rights" enacted into law by the State of California on January 1, 2013. The debtor(s) shall tender all post petition mortgage payments to the Secured Creditor on a timely basis until the loan modification application is approved and the arrearage has been recapitalized. Thereafter, the debtor(s) shall tender all post petition mortgage payments to the Secured Creditor in the amount set forth in the loan modification agreement and in compliance with the terms of the modified loan agreement."
>
> As you can see, the language will require your client to provide a receipt from the mortgage servicer acknowledging receipt of the loan modification application which will be attached to the plan and to make post petition mortgage payments in the amounts required by the promissory note and the subsequently modified loan agreement. Also, your client will need to obtain a stipulation for relief from the stay for purposes of availing yourself of the Homeowner's Bill of Rights.
>
> Sincerely,
>
> Akihito Koyama
> Senior Staff Attorney Kathy Dockery Chapter 13 Trustee
>

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I am thinking of asking Aki to come to the program and discuss issues related to doing loan modifications during chapter 13 plan confirmation. Is there any interest in this? It would be from 10:40am to 11:00am before the regular program.
Jon Hayes
Below is an email Aki sent to many of you already. Now is the time to ask questions.
Good afternoon Members of the Bar:
For those cases were your client will be applying for a loan modification under the Homeowner's Bill of Rights and the arrearage for the 1TD causes the plan to be infeasible, please use the following language for cases filed with our office:
"The debtor(s) will recapitalize the current arrearage in the amount of ____________with Secured Creditor ______________________________ by loan modification which will be completed within six months of the mortgage servicer's receipt of the loan modification application or within the six months after the filing of the case, whichever is greater. A true and correct copy of the Secured Creditor's Receipt of the Loan Modification Application is attached to the plan as Exhibit "A". Concurrently, a Stipulation for Relief from the Automatic Stay will also be filed with the court in order to facilitate modification of this loan pursuant to the "Homeowner's Bill of Rights" enacted into law by the State of California on January 1, 2013. The debtor(s) shall tender all post petition mortgage payments to the Secured Creditor on a timely basis until the loan modification application is approved and the arrearage has been recapitalized. Thereafter, the debtor(s) shall tender all post petition mortgage payments to the Secured Creditor in the amount set forth in the loan modification agreement and in compliance with the terms of the modified loan agreement."
As you can see, the language will require your client to provide a receipt from the mortgage servicer acknowledging receipt of the loan modification application which will be attached to the plan and to make post petition mortgage payments in the amounts required by the promissory note and the subsequently modified loan agreement. Also, your client will need to obtain a stipulation for relief from the stay for purposes of availing yourself of the Homeowner's Bill of Rights.
Sincerely,
Akihito Koyama
Senior Staff Attorney Kathy Dockery Chapter 13 Trustee

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