Welcome to the National Consumer Bankruptcy Rights Center (NCBRC). We are dedicated to protecting the rights of consumer debtors in bankruptcy appeals, ensuring fair and just treatment within the legal system. Our mission is to advocate for a balanced approach to bankruptcy law, providing support and resources for consumers and attorneys alike. Together, we strive to uphold the integrity of the bankruptcy process for individuals seeking a fresh financial start.
NCBRC Gratefully Acknowledges Our Most Generous Donors
Diamond Level (Over $10,000)
• AMERICAN COLLEGE OF BANKRUPTCY FOUNDATION
• HSF KRAMER
* QUINN EMMANUEL FOUNDATION
• LOWENSTEIN SANDLER LLP (CY PRES)
• REED ALLMAND
Latest Posts
Michigan Supreme Court Asked to Let Stand Court of Appeals Ruling Compelling Presentment to the Governor of Previously Passed Bankruptcy Exemption Modernization Bill
NACBA and NCBRC File Amicus Brief Urging Court to Deny Leave to Appeal In the latest development in the ongoing constitutional dispute over the Michigan Legislature’s failure to present nine duly enacted bills to the Governor—including the critical consumer-protection measure HB 4901—the National Association of Consumer Bankruptcy Attorneys (NACBA) and the National Consumer Bankruptcy Rights…
Fourth Circuit Holds In Chapter 13, Good-Faith Review May Consider Pre-Filing Accumulation of Secured Debt
In a published opinion, the Fourth Circuit affirmed the denial of confirmation of an above-median Chapter 13 debtor’s plan that proposed to pay off three recently purchased vehicles while paying unsecured creditors less than eight cents on the dollar. In Goddard v. Burnett, No. 25-1303 (4th Cir. Apr. 28, 2026), the court held that technical…
Ninth Circuit Allows Emotional Distress Damages for Violation of Section 524(i)
In an unpublished memorandum disposition, the Ninth Circuit affirmed a Bankruptcy Appellate Panel decision reviving Chapter 13 debtors’ claim that their mortgage creditors violated the discharge injunction by failing to properly credit payments made under their confirmed plan. In Valdellon v. PHH Mortgage Corp., No. 25-538 (9th Cir. Apr. 20, 2026), the court held that…