Drescher Blog - Did BAPCPA Work? - Part

We are coming upon the fourth anniversary of the enactment of BAPCPA, the Bankruptcy Abuse Prevention and Consumer Protection Act that was designed to put more money into creditors' pockets and make life much much more difficult for debtors and their attorneys. It seemed that after the October 2005 enactment BAPCPA was widely reviled, feared and loathed. The week before its enactment bankruptcy filings spiked like never before or since, then nobody, really, NOBODY, filed for months. After its enactment, when debtors finally HAD to file, it seemed as if courts were doing all they could to soften the hard edges of BAPCPA and restore life to a kinder, gentler way of bankruptcy practice. Over time, however, it appears that more courts than not are interpreting BAPCPA according to its terms, and things have certainly gotten tougher for debtors, as was undoubtedly the intent in its passage. The question many of us in the bankruptcy world have been asking, however, is has BAPCPA actually allowed creditors to get more money? I haven't done any statistical research on this question, but it would seem to me that anecdotally, at least, the answer is a qualified "yes". Although the means test standard for filing a liquidating chapter 7 in Maryland is high, once over the threshold the IRS local and national allowances for food, rent, utilities, etc., are ridiculously low. And more and more debtors are being caught in the double whammy that the Chapter 13 Form 22C net income (the income remaining after what the US Government believes a debtor SHOULD be able to live on) is very high, but the Schedule I&J actual net income (what the debtor actually makes and spends) is much lower, so even debtors who want to file Chapter 13 are struggling. Nevertheless, I have confirmed several Chapter 13 plans which either (a) would have been Chapter 7 liquidations prior to BAPCPA; or (b) would have required much lower monthly payments if the Form 22C standards were not in place. Under either scenario, creditors are scheduled to get more than they would if BAPCPA had not passed. The key word here, however, is "scheduled". These Chapter 13 plans endure for 60 months. While the monthly payment under the plans are significantly lower than the minimum payments required under the credit card debts my clients are discharging, the current system doesn't really take into account unexpected life changes such as less overtime available, a storm that tears the siding off the house, or an uninsured illness to a family member (or their pet). Nevertheless, my clients who are navigating through Chapter 13, and don't have the perspective of a pre-BAPCPA world for comparison, are happy to be paying less, seeing some light at the end of the tunnel, and, most importantly, getting out of the legal system. So, if creditors are getting more, and my clients are paying less, then it seems that **shudder** BAPCPA may actually be working.

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