Law Review (Economics Policy): Hanks, Angela, Canchola Bañez, Aissa & Nilaj, Eduard - Power Failure: Rising Energy Debt Is Climbing into the Middle Class | Your North Carolina Bankruptcy Expert

Available at: Power Failure: Rising Energy Debt Is Climbing into the Middle Class[/] (The Century Foundation, July 21, 2026)

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4th Cir.: Bristol Springs Custom Homes. v. Argo Group- Bankruptcy Filing Complicated Settlement—but Didn't Create Bad Faith | Your North Carolina Bankruptcy Expert

This is the third and final pirate-themed case I've written about this week. I'll admit this one has the weakest connection. Unlike the Black Pearl and Blackbeard cases, there are no pirates in the op...

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Bankr. E.D.N.C.: In re Blackbeard's Triple Play- Court Trebles Damages for Post-Petition Hold on Credit Card Receivables | Your North Carolina Bankruptcy Expert

This is the second of three pirate-themed cases I'll be blogging about this week. After beginning with Black Pearl Vision v. G & G Funding, we now turn to Blackbeard's Triple Play. It seems that even ...

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Bankr. W.D.N.C: Black Pearl Vision v. G&G Funding: Merchant Cash Advance Lender Cannot Use State Court Judgment to Escape Bankruptcy Fraudulent Transfer Claims | Your North Carolina Bankruptcy Expert

Before getting to today's opinion, a brief programming note. Because the debtor in this case is Black Pearl Vision, I couldn't resist the obvious association with the legendary Black Pearl from the Pi...

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W.D.N.C.: Murray v. Trans Union- Court Dismisses (without prejudice) Trans Union Case for Failure to Allege a Material Inaccuracy | Your North Carolina Bankruptcy Expert

Summary: A recent decision from the Western District of North Carolina serves as another reminder that the Fair Credit Reporting Act (FCRA) is ultimately about the accuracy of the information being re...

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4th Cir.: Golden Corral v. Illinois Union Insurance- Fourth Circuit Reinforces the Finality of Judgments Despite Later Changes in State Law | Your North Carolina Bankruptcy Expert

Summary: In Golden Corral Corp. v. Illinois Union Insurance Co., the Fourth Circuit held that a subsequent change in state law—even one directly undermining a federal court's earlier prediction of tha...

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W.D.N.C.: Williams & Dantzler v. PHH Mortgage- Class Action Settlement Approved—But the Court Delivers a Sharp Lesson on Attorney's Fees | Your North Carolina Bankruptcy Expert

Summary: A recent decision from the Western District of North Carolina approving the settlement in Williams & Dantzler v. PHH Mortgage Corp. is worth reading for anyone who litigates consumer class ac...

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4th Cir.: Schultz v. Gold- The Fourth Circuit Puts an End to Serial Bankruptcy Appeals | Your North Carolina Bankruptcy Expert

Summary: The Fourth Circuit has issued an unpublished opinion disposing of eight consolidated appeals arising from a contentious Chapter 11 bankruptcy filed by debtor Paul Schultz. While the opinion i...

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Law Review (Economics): Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, 2026:Q1. | Your North Carolina Bankruptcy Expert

Available at: https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2026Q1

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W.D.N.C.: Hammond v. Bank of America- Missing Credit Card Application Keeps FCRA Claims Alive | Your North Carolina Bankruptcy Expert

Hammond v. Bank of America: Can a Creditor Keep Reporting You as Liable Without Proof You Ever Agreed to the Debt? A recent decision from the Western District of North Carolina provides an important r...

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Law Review: Christopher D. Hampson, The Defamation-to-Bankruptcy Pipeline in the United States and Around the World, Oxford Business Law Blog (Sept. 30, 2025). ​ | Your North Carolina Bankruptcy Exper...

Available at: https://www.journaloffreespeechlaw.org/hampson.pdf http://blogs.law.ox.ac.uk/oblb/blog-post/2025/09/defamation-bankruptcy-pipeline-united-states-and-around-world

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Law Review (Note): Juzgenbayev, Alisher -The Vanishing Enforcer: Consumer Protection in an Era of Dual Retrenchment, 120 Nw. U. L. Rev. 1449 (2026) | Your North Carolina Bankruptcy Expert

Available at: https://scholarlycommons.law.northwestern.edu/nulr/vol120/iss5/6

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Law Review (ABI Journal Article): Slack, John & Treacy, David- Post-Petition Wages and Attorneys’ Fees in a Post-Harris World | Your North Carolina Bankruptcy Expert

Available at: Post-Petition Wages and Attorneys' Fees in a Post-Harris World: Protecting Debtors' Counsel from Going Unpaid (ABI membership required)

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Buy Now, Pay Later Has Bankruptcy Attorneys Adjusting Tactics

Kristen Paras wanted to hop on the Peloton craze in 2020. So the Ohio resident used a buy now, pay later loan to split the purchase into equal installments.

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E.D.N.C. : Fivehouse v. US Department of Defense- AI Hallucinations Come to the Eastern District of North Carolina: A Warning for Every Lawyer | Your North Carolina Bankruptcy Expert

Summary: Generative artificial intelligence has now reached the Eastern District of North Carolina in a published sanctions decision, and the resulting opinion should be required reading for every pra...

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Law Review (ABI Journal Article): Tien, Wendy & Daniels-Hill, Alicia- When Chapter 11 Meets Consumer Protection: Navigating the Limits of § 363(o) | Your North Carolina Bankruptcy Expert

Available at: When Chapter 11 Meets Consumer Protection: Navigating the Limits of § 363(o) (ABI Membership Required) When Chapter 11 Meets Consumer Protection: Is § 363(o) Becoming an Empty Promise?

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W.D.N.C.: Jackson v. Trans Union (I & II): When Does a Credit Bureau Have "Reason to Believe" Under the FCRA? | Your North Carolina Bankruptcy Expert

Two opinions issued the same day by Judge Matthew E. Orso of the Western District of North Carolina represent an important development under the Fair Credit Reporting Act ("FCRA"). In the first, Judge...

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Summary of the 2nd Annual NC Consumer Bankruptcy Attorney Fee Roundtable | Your North Carolina Bankruptcy Expert

June 18, 2026

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Koustas, Dmitri and Weber, Michael and Yannelis, Constantine, Beliefs and Actions under Government Policy Uncertainty: Evidence from Student Loan Forgiveness (June 15, 2026). University of Chicago, Be...

Available at SSRN: https://ssrn.com/abstract=6954401 Abstract:

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W.D.N.C.: Montgomery v. Goodleap: Bad Leap for Arbitration Bid Falls Flat | Your North Carolina Bankruptcy Expert

Summary: In another reminder that arbitration clauses remain powerful—but not limitless—Chief Judge Martin Reidinger of the Western District of North Carolina largely rejected GoodLeap's attempt to fo...

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Law Review (ABI Journal Article): Sternberg, Howard- Proofs of Claim: Reevaluating Requirements for Setting forth a Claim | Your North Carolina Bankruptcy Expert

Commentary Professor Steinberg correctly identifies a genuine problem: bankruptcy courts have struggled for years with determining how much factual detail is necessary before a proof of claim should e...

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S. Ct.: Pung v. Isabella County-Auction Value, Not Fair Market Value, Is the Constitutional Baseline in Tax Foreclosure Sales — And Why Bankruptcy Lawyers Should Take Notice | Your North Carolina Bank...

Summary: The Supreme Court issued an important property-rights decision today in Pung v. Isabella County, Michigan, holding that when a government forecloses on real property for unpaid taxes and cond...

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4th Cir.: Rock Spring Plaza II, LLC v. Investors Warranty of America, LLC — The “Maryland Twerk” Fails: You Can’t Fraudulently Dance Away from a 99-Year Lease | Your North Carolina Bankruptcy Expert

The Fourth Circuit’s unpublished decision in Rock Spring Plaza II, LLC v. Investors Warranty of America, LLC is ostensibly a Maryland commercial lease case. But consumer bankruptcy lawyers will recogn...

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Law Review (Policy Paper): Zhang, Jennifer, Deep Dive: The Hidden Costs of Delinquency: Subprime Credit, Predatory Loans, and Debt Traps (June 26, 2025). Protect Borrowers Research Paper, | Your North...

Available at: https://ssrn.com/abstract=6361458

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4th Cir.: Sessoms v. USHealth Advisors- Lead Generators and Marketing Partners Can Enforce Arbitration Clauses in TCPA Litigation | Your North Carolina Bankruptcy Expert

In Sessoms v. USHealth Advisors, LLC, the Fourth Circuit reversed the Eastern District of North Carolina and held that USHealth Advisors, LLC could enforce an arbitration clause contained in a lead-ge...

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M.D.N.C.: Peoples v. Experian- Iqbal/Twombly Inapplicable to Affirmative Defenses but "Fair Notice" Standard does Apply | Your North Carolina Bankruptcy Expert

n Peoples v. Experian , Judge Thomas D. Schroeder of the United States District Court for the Middle District of North Carolina takes up one of those procedural questions that federal litigators have ...

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Law Review (Note): Abby Ponder, Comment, The Bankruptcy Code's Missing Link: How the Undefined "Executory Contract" Quandary is Leaving Land Sales and Bankruptcy Courts in Limbo, 46 N. Ill. Univ. L. R...

Available at: https://huskiecommons.lib.niu.edu/niulr/vol46/iss2/6/

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Law Review: Palermo, Anthony and Bruce, Kara J. and Coordes, Laura, An Open Letter to Law School Deans About the Importance of Commercial Law Education (April 20, 2026) | Your North Carolina Bankruptc...

Available at SSRN: https://ssrn.com/abstract=6615598 Abstract: The American Bar Association's Commercial Law Education Task Force was formed to bring renewed attention to the importance of commercial ...

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Law Review: Coordes, Laura- Whose Problem is it, Anyway? Some Thoughts on § 541(b)(7)’s Hanging Paragraph | Your North Carolina Bankruptcy Expert

Available: SSRN – “Whose Problem is it, Anyway? Some Thoughts on § 541(b)(7)’s Hanging Paragraph”

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Bankr. W.D.N.C.: Official Committee of Asbestos Personal Injury Claimants v. DBMP III: Clarification of Prior Orders and Rejection of “Preclusive Effect” Arguments, Retention of the Texas Two-Step Fin...

Summary: In the United States Bankruptcy Court for the Western District of North Carolina, through Judge Ashley Austin Edwards, partially granted and partially denied motions for reconsideration filed...

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