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September 2013 - DelCotto Law Group

Chapter 11: It’s for Individuals Too

September 26, 2013
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While Chapter 11 bankruptcy is frequently thought of as providing relief for corporations, it also provides an mechanism for individual consumers to restructure. The Supreme Court resolved the issue of eligibility for individuals to file for Chapter 11 relief when it issued its ruling in Toibb v. Radliff […]

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Recent Survey on “Lending Climate in America”

September 19, 2013
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It doesn’t really take a report for us to know what we are seeing every day, but the Q2/13 Survey Report recently published by Phoenix Management Services confirmed a “waning” optimism from that expressed by commercial lenders in 2012 and the first quarter of 2013.   Commercial […]

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Student Loan Market Exit

September 17, 2013
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JP Morgan Chase recently announced that effective October 12, 2013, it will no longer make student loans.  Wells Fargo is now the ONLY major US commercial bank still making student loans.  Chase is the latest bank running for the exit doors.  Moody’s reports that during the 2011 […]

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Student Loan Discharge: Still an Uphill Battle?

September 12, 2013
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Discharging student loans in bankruptcy has always been quite difficult under the standards that the debtor is required to prove a somewhat cost-prohibitive piece of litigation if the student lender is going to fight.  Further, each case is quite fact-specific, so your facts may be slightly […]

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