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"Florida Convert Chapter 13"

In the past, many debtors in Florida bankruptcy filed Chapter 13 when past due on home their mortgages. In a chapter 7 case, payments must be brought current to retain possession. In a Chapter 13 case, once mortgage payments are brought current through trustee payments (based upon priority assigned to particular debts), many debtors sought conversion to discharge all remaining debts through Chapter 7.

11 U.S.C. §348(f)(2): "If the debtor converts a case under chapter 13 of this title to a case under another chapter under this title in bad faith, the property in the converted case shall consist of the property of the estate as of the date of conversion"

The Florida Bankruptcy Court for the Southern District issued Administrative Order No. 04-6 on March 31, 2004. This order pertains to proposed amendments to local rules. In particular, this order requires an en banc hearing (all judges present) to consider public comments. anyone who wishes to have personal comments considered by the court must submit proposals in writing. Anyone wishing to address the court must file a request for appearance. The Florida Bankruptcy Court for the Middle District amended Local Rule 5005-1 on September 15, 2003. This amendment states” The Court shall permit documents and papers to be filed, signed, or verified by electronic means that are consistent with technical standards, if any, that the Judicial Conference of the United States establishes.” Soon, all courts will require electronic submission.

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