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Bankr. W.D.N.C.: In re Ford (Ford III) — When “Tribal Sovereignty” Arguments Collapse into Contempt, Sanctions, and a Permanent Loss of Discharge dlvr.it/TQRJC9
Bankr. W.D.N.C.: In re Ford (Ford III) — When “Tribal Sovereignty” Arguments Collapse into Contempt, Sanctions, and a Permanent Loss of Discharge | Your North Carolina Bankruptcy Expert
Summary:
dlvr.it
January 20, 2026 at 1:19 PM
Bankr. W.D.N.C.: In re Ford (Ford III) — When “Tribal Sovereignty” Arguments Collapse into Contempt, Sanctions, and a Permanent Loss of Discharge dlvr.it/TQRJC9
Bankr. W.D.N.C.: In re Black Pearl Vision, LLC — Claims against MCA Survive (Mostly), RICO Lives to Fight Another Day dlvr.it/TQNdjb
Bankr. W.D.N.C.: In re Black Pearl Vision, LLC — Claims against MCA Survive (Mostly), RICO Lives to Fight Another Day | Your North Carolina Bankruptcy Expert
Summary:
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January 18, 2026 at 9:04 PM
Bankr. W.D.N.C.: In re Black Pearl Vision, LLC — Claims against MCA Survive (Mostly), RICO Lives to Fight Another Day dlvr.it/TQNdjb
W.D.N.C.: Bethea v. Equifax — Defaults Aren’t Windfalls, and “Shotgun Pleadings” Miss the Target dlvr.it/TQKMz0
W.D.N.C.: Bethea v. Equifax — Defaults Aren’t Windfalls, and “Shotgun Pleadings” Miss the Target | Your North Carolina Bankruptcy Expert
Summary: In Bethea v. Equifax (W.D.N.C. Dec. 19, 2025), Judge Kenneth Bell offers both a procedural refresher and a cautionary tale for consumer litigants hoping to convert technical missteps into ins...
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January 15, 2026 at 1:31 PM
W.D.N.C.: Bethea v. Equifax — Defaults Aren’t Windfalls, and “Shotgun Pleadings” Miss the Target dlvr.it/TQKMz0
N.C. Bus. Ct.: Meridian Renewable Energy LLC v. Birch Creek Development, LLC- Effect of Bankruptcy Filing on Third Parties in Lawsuit dlvr.it/TQJDwg
N.C. Bus. Ct.: Meridian Renewable Energy LLC v. Birch Creek Development, LLC- Effect of Bankruptcy Filing on Third Parties in Lawsuit | Your North Carolina Bankruptcy Expert
Summary: The Business Court addressed what happens when one party in multi-party commercial litigation files bankruptcy — here, Pine Gate Renewables’ Chapter 11 filing — while litigation continues bet...
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January 13, 2026 at 1:32 PM
N.C. Bus. Ct.: Meridian Renewable Energy LLC v. Birch Creek Development, LLC- Effect of Bankruptcy Filing on Third Parties in Lawsuit dlvr.it/TQJDwg
Bankr. W.D.N.C.: In re Holland — Means Test Reality Beats Wishful Thinking Across All Three NC Districts dlvr.it/TQFjbC
Bankr. W.D.N.C.: In re Holland — Means Test Reality Beats Wishful Thinking Across All Three NC Districts | Your North Carolina Bankruptcy Expert
Summary: Judge Laura Beyer’s decision in In re Holland drives home a now-settled point in North Carolina bankruptcy practice: if a debtor does not intend to keep collateral and make payments, then the...
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January 11, 2026 at 1:46 PM
Bankr. W.D.N.C.: In re Holland — Means Test Reality Beats Wishful Thinking Across All Three NC Districts dlvr.it/TQFjbC
W.D.N.C: Moseley v. Latino Community Credit Union-If you click “I agree,” don’t be surprised when they actually check your credit dlvr.it/TQFjMm
W.D.N.C: Moseley v. Latino Community Credit Union-If you click “I agree,” don’t be surprised when they actually check your credit | Your North Carolina Bankruptcy Expert
Summary: In this Western District case, the pro se plaintiff, Brittney Moseley, brought what has become a fairly common species of Fair Credit Reporting Act litigation — alleging that a lender “pulled...
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January 11, 2026 at 1:45 PM
W.D.N.C: Moseley v. Latino Community Credit Union-If you click “I agree,” don’t be surprised when they actually check your credit dlvr.it/TQFjMm
M.D.N.C.- Custer v. Dovenmuehle Mortgage II: Class Certification Granted in “Pay-to-Pay” Mortgage Fee Case dlvr.it/TQCXqb
M.D.N.C.- Custer v. Dovenmuehle Mortgage II: Class Certification Granted in “Pay-to-Pay” Mortgage Fee Case | Your North Carolina Bankruptcy Expert
Summary: In yet another chapter of what is becoming a running series on pay-to-pay mortgage fees, Chief Judge Catherine Eagles has issued a significant opinion certifying a statewide class of North Ca...
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January 8, 2026 at 8:41 PM
M.D.N.C.- Custer v. Dovenmuehle Mortgage II: Class Certification Granted in “Pay-to-Pay” Mortgage Fee Case dlvr.it/TQCXqb
Law Review: Iuliano, Jason Bridging the Student Loan Bankruptcy Gap dlvr.it/TQBHlt
Law Review: Iuliano, Jason Bridging the Student Loan Bankruptcy Gap | Your North Carolina Bankruptcy Expert
Available at: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5944454 Abstract: In November 2022, the Department of Justice and Department of Education announced sweeping reforms designed to make ...
dlvr.it
January 8, 2026 at 8:40 PM
Law Review: Iuliano, Jason Bridging the Student Loan Bankruptcy Gap dlvr.it/TQBHlt
N.C. Ct. of App.: The Law Office of Robert Forquer v. Arcuri- Co-Signer on Deed Not Liable for Mortgage Payoff dlvr.it/TQ9LsM
N.C. Ct. of App.: The Law Office of Robert Forquer v. Arcuri- Co-Signer on Deed Not Liable for Mortgage Payoff | Your North Carolina Bankruptcy Expert
Summary: This case began as an interpleader filed by a closing attorney caught in the middle of a family property dispute — wisely deciding not to referee a fight over sale proceeds while trying to de...
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January 8, 2026 at 8:40 PM
N.C. Ct. of App.: The Law Office of Robert Forquer v. Arcuri- Co-Signer on Deed Not Liable for Mortgage Payoff dlvr.it/TQ9LsM
Bankr. W.D.N.C.: In re Granite City Mechanical- ERTC Refunds Don’t Survive Contact with SBA EIDL Debt dlvr.it/TQ6wll
Bankr. W.D.N.C.: In re Granite City Mechanical- ERTC Refunds Don’t Survive Contact with SBA EIDL Debt | Your North Carolina Bankruptcy Expert
Summary: In In re Granite City Mechanical, Inc., the Bankruptcy Court for the Western District of North Carolina (Judge Laura T. Beyer) held that the United States may offset unpaid Employee Retention...
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January 6, 2026 at 7:58 PM
Bankr. W.D.N.C.: In re Granite City Mechanical- ERTC Refunds Don’t Survive Contact with SBA EIDL Debt dlvr.it/TQ6wll
4th Cir.: Hultz v. Bisignano- Subjective Medical Evidence: Lessons for Student Loan Discharges under the Brunner Test and Chapter 13 Hardship Discharges dlvr.it/TQ5RGP
4th Cir.: Hultz v. Bisignano- Subjective Medical Evidence: Lessons for Student Loan Discharges under the Brunner Test and Chapter 13 Hardship Discharges | Your North Carolina Bankruptcy Expert
Summary: In Hultz v. Bisignano, the United States Court of Appeals for the Fourth Circuit reversed the denial of Social Security Disability benefits to Crystal Hultz, a claimant whose primary disablin...
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January 6, 2026 at 7:58 PM
4th Cir.: Hultz v. Bisignano- Subjective Medical Evidence: Lessons for Student Loan Discharges under the Brunner Test and Chapter 13 Hardship Discharges dlvr.it/TQ5RGP
N.C. Ct. of App.: Horne v. Ginkgo Aurora- Chapter 75, Debt Collection, and the Problem of Injury dlvr.it/TQ4bgn
N.C. Ct. of App.: Horne v. Ginkgo Aurora- Chapter 75, Debt Collection, and the Problem of Injury | Your North Carolina Bankruptcy Expert
While this decision is, on its face, a fairly ordinary residential rental dispute—replete with mold allegations, maintenance requests, and implied-warranty skirmishing—the part that should actually ca...
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January 6, 2026 at 7:58 PM
N.C. Ct. of App.: Horne v. Ginkgo Aurora- Chapter 75, Debt Collection, and the Problem of Injury dlvr.it/TQ4bgn
N.C. Ct. of App.: Roach v. Wells Fargo Bank, N.A. — When “That’s Not Right” Still Isn’t Enough (and Timing Is Everything) dlvr.it/TQ3jBt
N.C. Ct. of App.: Roach v. Wells Fargo Bank, N.A. — When “That’s Not Right” Still Isn’t Enough (and Timing Is Everything) | Your North Carolina Bankruptcy Expert
In Roach v. Wells Fargo Bank, N.A., the North Carolina Court of Appeals again draws a hard line between conduct that feels unfair and conduct that is legally actionable under Chapter 75. The court aff...
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January 6, 2026 at 7:57 PM
N.C. Ct. of App.: Roach v. Wells Fargo Bank, N.A. — When “That’s Not Right” Still Isn’t Enough (and Timing Is Everything) dlvr.it/TQ3jBt
N.C. Ct. of App.: Zuleger v. Clore- Life Estates on Paper vs. Life Estates in Bankruptcy Court dlvr.it/TQ325s
N.C. Ct. of App.: Zuleger v. Clore- Life Estates on Paper vs. Life Estates in Bankruptcy Court | Your North Carolina Bankruptcy Expert
At first blush, Zuleger v. Clore looks like a pure state-law property dispute about life estates, remainders, and an aging house that no one can afford to fix. But for bankruptcy practitioners—especia...
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January 2, 2026 at 2:33 PM
N.C. Ct. of App.: Zuleger v. Clore- Life Estates on Paper vs. Life Estates in Bankruptcy Court dlvr.it/TQ325s
Bankr. E.D.N.C.: In re Clark- When Cryptocurrency Meets the Means Test dlvr.it/TQ30pg
Bankr. E.D.N.C.: In re Clark- When Cryptocurrency Meets the Means Test | Your North Carolina Bankruptcy Expert
In re Clark is not just a means-test case. It is also a reminder that even if a debtor stumbles into Chapter 7 eligibility math, § 707(b)(3) still looms large—and can be dispositive—when the court loo...
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January 2, 2026 at 2:33 PM
Bankr. E.D.N.C.: In re Clark- When Cryptocurrency Meets the Means Test dlvr.it/TQ30pg
M.D.N.C.: Williams v. Penny Mac- A Dim View of Pay-to-Pay Mortgage Fees dlvr.it/TPzZpf
M.D.N.C.: Williams v. Penny Mac- A Dim View of Pay-to-Pay Mortgage Fees | Your North Carolina Bankruptcy Expert
In Williams v. PennyMac Loan Services, LLC, the Middle District of North Carolina once again refused to let a mortgage servicer wriggle out of Pay-to-Pay fee litigation at the pleading stage. The Cour...
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January 2, 2026 at 2:32 PM
M.D.N.C.: Williams v. Penny Mac- A Dim View of Pay-to-Pay Mortgage Fees dlvr.it/TPzZpf
Bankr. M.D.N.C.- In re Bryant I-V: When a Pro Se Chapter 7 Becomes a Procedural Stress Test for the Bankruptcy System dlvr.it/TPyc6k
Bankr. M.D.N.C.- In re Bryant I-V: When a Pro Se Chapter 7 Becomes a Procedural Stress Test for the Bankruptcy System | Your North Carolina Bankruptcy Expert
The Chapter 7 case of James and Sharon Bryant and the related adversary proceeding brought by Eastwood Construction Partners, LLC is not notable because it breaks new doctrinal ground. It is notable b...
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January 2, 2026 at 2:32 PM
Bankr. M.D.N.C.- In re Bryant I-V: When a Pro Se Chapter 7 Becomes a Procedural Stress Test for the Bankruptcy System dlvr.it/TPyc6k
4th Cir.: DiStefano v. Tasty Baking Co. — A Contract Means a Contract, A Notice of Default means Default dlvr.it/TPj88m
4th Cir.: DiStefano v. Tasty Baking Co. — A Contract Means a Contract, A Notice of Default means Default | Your North Carolina Bankruptcy Expert
Summary: The Fourth Circuit affirmed summary judgment against DiStefano, a TastyKake distributor terminated after receiving three breach notices in three months for leaving expired product on shelves ...
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December 31, 2025 at 6:55 PM
4th Cir.: DiStefano v. Tasty Baking Co. — A Contract Means a Contract, A Notice of Default means Default dlvr.it/TPj88m
4th Cir.: Al-Sabah v. World Business Lenders, No. 24-1345 & 24-1382 (4th Cir. Nov. 26, 2025)- Willful Blindness Is Not Mere Sloppiness dlvr.it/TPfhGd
4th Cir.: Al-Sabah v. World Business Lenders, No. 24-1345 & 24-1382 (4th Cir. Nov. 26, 2025)- Willful Blindness Is Not Mere Sloppiness | Your North Carolina Bankruptcy Expert
Summary: In a case that reads like The Wolf of Wall Street meets Fixer Upper, the Fourth Circuit waded into an international fraud, a botched lis pendens, and a high-cost lender accused of acting as t...
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December 31, 2025 at 6:55 PM
4th Cir.: Al-Sabah v. World Business Lenders, No. 24-1345 & 24-1382 (4th Cir. Nov. 26, 2025)- Willful Blindness Is Not Mere Sloppiness dlvr.it/TPfhGd
Law Review: Andrea Freeman, The Roots of Credit Inequality, 49 SEATTLE U. L. REV. 25 (2025). dlvr.it/TPdTz2
Law Review: Andrea Freeman, The Roots of Credit Inequality, 49 SEATTLE U. L. REV. 25 (2025). | Your North Carolina Bankruptcy Expert
Available at: https://digitalcommons.law.seattleu.edu/sulr/vol49/iss1/4/
dlvr.it
December 31, 2025 at 6:55 PM
Law Review: Andrea Freeman, The Roots of Credit Inequality, 49 SEATTLE U. L. REV. 25 (2025). dlvr.it/TPdTz2
W.D.N.C.: Asbestos Claimants v. Semian - Interlocutory Appeal Denied dlvr.it/TPcKKj
W.D.N.C.: Asbestos Claimants v. Semian - Interlocutory Appeal Denied | Your North Carolina Bankruptcy Expert
Summary: The Western District of North Carolina (Judge Volk, sitting by designation) issued a consolidated Memorandum Opinion and Order denying attempts by asbestos claimants in Bestwall and Aldrich P...
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December 31, 2025 at 6:54 PM
W.D.N.C.: Asbestos Claimants v. Semian - Interlocutory Appeal Denied dlvr.it/TPcKKj
Law Review: Janger, Edward J., Consumer Bankruptcy, Household Debt, and the Big Picture -- Pamela Foohey, Bob Lawless and Deborah Thorne, Debt’s Grip (November 24, 2025). Brooklyn Law School, Legal Studies Paper No. 806, American Bankruptcy Law Journal... dlvr.it/TPb877
Law Review: Janger, Edward J., Consumer Bankruptcy, Household Debt, and the Big Picture -- Pamela Foohey, Bob Lawless and Deborah Thorne, Debt’s Grip (November 24, 2025). Brooklyn Law School, Legal St...
Available at: https://ssrn.com/abstract=5798042 Abstract:
dlvr.it
December 31, 2025 at 6:54 PM
Law Review: Janger, Edward J., Consumer Bankruptcy, Household Debt, and the Big Picture -- Pamela Foohey, Bob Lawless and Deborah Thorne, Debt’s Grip (November 24, 2025). Brooklyn Law School, Legal Studies Paper No. 806, American Bankruptcy Law Journal... dlvr.it/TPb877
M.D.N.C.: Custer v. Simmons Bank & DMI: Cause of Action for Loss-Mitigation Fees Survive, Bad Threats Don’t — A Middle District Tune-Up on Servicing Litigation dlvr.it/TPP4bD
M.D.N.C.: Custer v. Simmons Bank & DMI: Cause of Action for Loss-Mitigation Fees Survive, Bad Threats Don’t — A Middle District Tune-Up on Servicing Litigation | Your North Carolina Bankruptcy Expert
Summary: In a detailed but pragmatic opinion, Chief Judge Catherine Eagles offers a tidy roadmap for mortgage-servicing litigation in the Middle District — clarifying what sticks at the pleading stage...
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November 24, 2025 at 5:52 PM
M.D.N.C.: Custer v. Simmons Bank & DMI: Cause of Action for Loss-Mitigation Fees Survive, Bad Threats Don’t — A Middle District Tune-Up on Servicing Litigation dlvr.it/TPP4bD
Bankr. M.D.N.C.: In re Lombrano- No Automatic Stay for 3rd Filing dlvr.it/TPN0TV
Bankr. M.D.N.C.: In re Lombrano- No Automatic Stay for 3rd Filing | Your North Carolina Bankruptcy Expert
Summary: In In re Lombrano, Judge Kahn confronted the all-too-common BAPCPA problem of repeat filings colliding head-on with the automatic stay provisions. Ms. Lombrano—pro se—had filed three bankrupt...
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November 24, 2025 at 5:51 PM
Bankr. M.D.N.C.: In re Lombrano- No Automatic Stay for 3rd Filing dlvr.it/TPN0TV
Bankr. E.D.N.C.: In re Williams- Yet another Forged Bankruptcy Court Order dlvr.it/TPM3GC
Bankr. E.D.N.C.: In re Williams- Yet another Forged Bankruptcy Court Order | Your North Carolina Bankruptcy Expert
Summary: Judge Warren’s latest sanctions order reads like a greatest-hits compilation of the Eastern District’s prior encounters with bankruptcy document forgery—Wilds, Purdy, and now Williams—but wit...
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November 19, 2025 at 8:24 PM
Bankr. E.D.N.C.: In re Williams- Yet another Forged Bankruptcy Court Order dlvr.it/TPM3GC