While the overall number of bankruptcies has been decreasing over the past ten years, the vast majority of bankruptcies today are being declared by consumers, rather than by businesses. The field of bankruptcy impacts many areas of consumer law, including student loans and mortgages, to name a few. Learn how the latest trends in bankruptcy can impact your non-bankruptcy cases.
What You Will Learn
- When you need to advise clients to consult bankruptcy counsel
- Responses to creditor arguments based on the Supreme Court’s decisions on bankruptcy court powers, including Stern v Marshall
- How your clients’ student loans might be dischargeable in bankruptcy
- How to eliminate some of your clients’ mortgages in bankruptcy
Henry J. Sommer is Supervising Attorney at the pro bono Consumer Bankruptcy Assistance Project in Philadelphia. He has litigated many major cases involving bankruptcy, consumer law, civil rights, and other issues. Previously, he was the head of the Consumer Law Project at Community Legal Services in Philadelphia, where he worked for over 21 years. Mr. Sommer is the former President of the National Association of Consumer Bankruptcy Attorneys (NACBA) and a former member of the Federal Judicial Conference Advisory Committee on Bankruptcy Rules. Mr. Sommer has also served as a Lecturer-in-Law at the University of Pennsylvania Law School. He received his A.B. degree from Harvard College, magna cum laude, and his J.D. degree from Harvard Law School, cum laude.
John Rao is an attorney with the National Consumer Law Center, Inc. Mr. Rao focuses on consumer credit, mortgage servicing, and bankruptcy issues and has served as a panelist and instructor at numerous bankruptcy and consumer law trainings and conferences. He has served as an expert witness in court cases and has testified in Congress on consumer matters. Mr. Rao is a contributing author and editor of NCLC's Consumer Bankruptcy Law and Practice; and a co-author of NCLC’s Foreclosures and Bankruptcy Basics. He is also a contributing author to Collier on Bankruptcy and the Collier Bankruptcy Practice Guide. Mr. Rao served as a member of the federal Judicial Conference Advisory Committee on Bankruptcy Rules from 2006 to 2012, appointed by Chief Justice John Roberts. He is a conferee of the National Bankruptcy Conference, fellow of the American College of Bankruptcy, vice-president of the National Association of Consumer Bankruptcy Attorneys, member of the editorial board of Collier on Bankruptcy, and former board member for the American Bankruptcy Institute.