consumer attorneys

NACBA25 Highlight


Another Awesome Session at NACBA25!

This panel consisting of Sarah Bolling Mancini, Michelle Kainen with moderator Greta LaMountain Biagi will delve into the most recent case law enforcing and interpreting Rule 3002.1 to deal with mortgage cure issues, including the PHH Mortgage decision (litigated by panelist Michelle Kainen) in which the Bankruptcy Court of Vermont imposed a $375,000 sanction for the creditor’s repeated failure to comply with Rule 3002.1 in three chapter 13 cases. We will also discuss recent cases in which chapter 13 trustees have sought denial of the discharge based on post-petition mortgage payment defaults identified through Rule 3002.1 notices. The panel will also highlight recent (and proposed) changes to the rule.
avatar for Michelle Kainen
Michelle Kainen was admitted to practice in Vermont in 2003 and in New Hampshire in 2008. Michelle has been a solo practitioner since 2007. She practices in the areas of tax, criminal defense and bankruptcy law (debtor representation). Michelle received her B.A. in Psychology from San Diego State University. Michelle received her Masters Degrees in Social Work and Accounting also from San Diego State University. She completed Vermont’s Four-Year Law Office Study Program in lieu of a traditional law school program. From 2008 – 2012 Michelle served as the chairperson of the Bankruptcy Section of the Vermont Bar Association. She is the NACBA State Chairperson for Vermont. Michelle also teaches Accounting and Psychology courses at the Community College of Vermont. Michelle has a number of published decisions on pivotal issues impacting the rights of debtors in bankruptcy.
avatar for Sarah Mancini
Sarah Bolling Mancini is Of Counsel for NCLC half-time, focusing on foreclosures and mortgage lending, and works half-time as an attorney in the Home Defense Program of Atlanta Legal Aid. She has experience representing homeowners in bankruptcy cases and litigating in state, federal district, and bankruptcy courts. She also clerked for the Honorable Amy Totenberg, U.S. District Court for the Northern District of Georgia. Sarah is a member of the Georgia Bar. She received her B.A. in public policy from Princeton University and her J.D. from Harvard Law School.

#NACBA25 Highlight


Do you enjoy a challenge? Then #NACBA25 will not disappoint you! Our convention planning committee has scheduled  advanced topics presented by distinguished speakers to challenge and inform even the most seasoned bankruptcy practitioner. Here’s a look at the Advanced Topics that you’ll have the opportunity to attend:

  • Regulation X & Z Enforcement: New Tools for Consumer Attorneys:  Provides an overview of federal Regulation X and Regulation Z and demonstrates how these laws can empower consumers and their counsel. The presentation outlines specific errors prohibited by these regulations. Presenters will walk participants through examples of actual Requests for Information and Notices of Error used daily by The Dann Law Firm.
  • Getting Paid Hourly Fee vs. No Look Fees:  This panel will discuss when to use the “No-Look” fees and when not to, how to challenge Court assumptions about fees, and the best strategies to maximize your fees.
  • Know the Codes, Nuances, & Strategies of Taxes in Bankruptcy: A deep dive look into the complexities of taxes in bankruptcy.
  • Student Loans in Chapter 13:This panel will explore means of combining alternative,  non-bankruptcy relief, including claims objections, administrative discharges and income driven repayment plans with your Chapter 13 practice to provide additional assistance for your clients and additional sources of revenue for attorneys.

Take a look at the full  Schedule and start planning your days at #NACBA25!

#NACBA25 Highlight


Thursday, May 4th 5:00-5:50 PM 

Make Marketing Work For You & Your Clients!

Join Chelsey Lambert as she discusses, “They’re Not Buying What I’m Selling: Marketing is Fun When It’s About Helping Others.”  Marketing is  important to the success of your law firm, but learning how to effectively market to your clients will not only save you time and money, but give them a clear picture of what you can offer. In this session you will learn how to:

  • How to build a marketing plan.
  • The TWO main jobs of marketing.
  • The right marketing for your business … choosing the right kind of marketing for where you are.
  • Funnel management

Make an impact on your firm and get potential clients to start buying what you’re selling!


avatar for Chelsey Lambert

Chelsey Lambert

How To Manage A Small Law Firm
VP Marketing

With over a decade of experience in the legal space, Chelsey is a passionate and seasoned small law firm expert. A technology fanatic, author, and CLE accredited speaker, Chelsey is driven to help attorneys understand the components of their practice and how the right processes, skills training and marketing can impact their business, client relationships and bottom line. So Chelsey teaches every chance she can get. Delivering fresh, focused education, tailored to address the challenges and concerns of today’s practicing attorney.

In her words; the legal space has changed, and will continue to move at a rapid pace, despite regulatory efforts or the confines of a paper system. Why? Because consumers are driving the change, and she believes that attorneys who are properly educated and equipped to keep up, will not only survive but ride the crest of this wave to the top.

#NACBA25 Highlight


Thursday, May 4th, 8:30 AM- 3:30 PM

Register Today!


You already know the importance of understanding student loans for your bankruptcy practice. This one-day, learning intense workshop will cover the basics, the complex and many topics in-between. The end result will allow you to make sense of your clients’ student loan situation and how to work it into your bankruptcy practice.

Learn where to find the information needed by your client, how to use that information and how to make mole hills out of mountains. This special pre-convention session will cover administrative discharges, all the repayment plans, the forgiveness plans and how to deal with private student loans as well. Take a look at this lineup:


Agenda (subject to change without notice)

  • 8:30 – 9:00 Student Loan Industry Entities & Their Roles
  • 9:00 – 9:30 Types of Federal Loans
  • 9:30 – 10:00 Administrative Discharges
  • 10:00 – 10:15 Break
  • 10:15 – 10:45 Default Consequences
  • 10:45 – 11:15 Curing the Default
  • 11:15 – 11:30 Balance Based Repayment
  • 11:30 – 12:30 Lunch on your own
  • 12:30 – 1:00 Income Driven Repayment
  • 1:00 – 1:30 Forgiveness
  • 1:30 – 2:00 Repayment Plans During
  • 2:00 – 2:15 Break
  • 2:15 – 2:45 Private Student Loan Defense (in and out of 13)
  • 2:45 – 3:30 Review of 523a(8) with Analysis.

Please note, Pre-Convention sessions take place before the convention.These sessions are NOT included with your convention registration. These sessions are add-on sessions that take place on Thursday, May 4, 2017 Register Today!

Save $100 on Your NACBA 2017 Convention Registration


2017 is NACBA’s 25th Anniversary. To get in the spirit of #NACBA25 (hashtag for 2017 Annual Convention), we thought we’d kick off Giving Tuesday back on November 29th and decided that we would extend it to the whole month of December with a way to save NACBA members a few bucks and support the efforts of NCBRC.

Make a donation to NCBRC by 12/31/16 using the below levels and you can receive a discount off your 2017 Annual Convention Registration + receive a fun convention experience.

  • Donate $100 to NCBRC before 12/31/16 and receive $25 discount coupon on 2017 convention registration
  • Donate $500 to NCBRC before 12/31/16 and receive $50 discount coupon on convention registration and front-of-the-line pass for commemorative photo with Mickey and Minnie Mouse on Saturday, May 6, 2017, Orlando, Florida.
  • Donate $1,000 to NCBRC before 12/31/16 and receive $100 discount coupon on convention registration and two (2) tickets to attend NACBA President’s Dessert Reception & VIP Illuminations Fireworks at Epcot “Eau de France” Viewing on Saturday, May 6, 2017, 8:00 PM to 9:30 PM Orlando, Florida. Tickets also include two (2) hours of Epcot park access.


To receive the convention discount, you must:

1) Make NCBRC Donation at designated level.

2) Register for convention via EMAIL, PHONE or FAX and include copy of donation receipt.

2017 NACBA Annual Convention Registration is Open!

Questions: email


2016 Virtual Bankruptcy Workshop Session Highlight


Friday, December 16th

1:00 PM-2:00 PM ET

“Anchoring your Divorce and Bankruptcy Practice: There’s a Hole in My Boat! The Stay Doesn’t Stay Everything”
Presented by: Hon. Sandy Karlan (Ret.) & Ian Falcone Esq.

Don’t miss this informative and relevant session on divorce and bankruptcy. Make sure your client stays anchored! Check out the topics that will be discussed to ensure sure the boat doesn’t sink:

  • Keep it above board. Reviewing divorce forms to protect your client from committing bankruptcy fraud.
  • Over a Barrel: Dischargeability Issues
  • Any port in a storm: Who determines whether an award is a dischargeable?
  • Dead Reckoning: What determines whether an award is dischargeable?
  • Give me some slack: Learn the importance of language contained in the divorce decree
  • Batten down the hatches: Protecting attorney’s fees in discharge proceedings.

Didn’t catch Session 1? No problem, Register today for Session 2 to receive the recordings and material for both sessions!

About Our Presenters:

Ian Falcone

avatar for Ian Falcone

Ian M. Falcone is a Senior Attorney with more than 20 years of legal experience with TheFalcone Law Firm, P.C. located in Marietta, Georgia. The practice focuses on complexbankruptcy matters involving intertwined corporate and personal debt situations, tax liabilitiesand divorce related obligations. Mr. Falcone also handles contested and uncontested divorces,child support modifications, contempt cases, as well as small business representation andlitigation.Mr. Falcone received his Bachelor of Science degree from the College of Engineering at TuftsUniversity in 1989 and his Juris Doctor from Albany Law School in 1992. He has served asPresident of the Bankruptcy Section of the Cobb County Bar, President of the Solo and SmallFirm Section of the Cobb County Bar, is a member of the Family Law Section of the Cobb County Bar, a member of the National Association of Consumer Bankruptcy Attorneys(NACBA), and a member of the Metro Atlanta Consumer Bankruptcy Attorney Group. He maintains a bankruptcy blog: BK Beyond the Basics which can be found at


Sandy Karlan

avatar for Sandy Karlan

Sandy Karlan is certified by The Florida Supreme Court as a family court mediator and is board certified by The Florida Bar in Marital and Family Law.  She is the author of a chapter on Bankruptcy for the Matthew Bender six-volume series on Florida Family Law and is currently a commentator on bankruptcy law for The Florida Family Law Reporter published by Matthew Bender.  She has also written numerous articles and lectured on bankruptcy and family law, and is regularly invited to teach at Judicial College.

Sandy Karlan was appointed by Governor Lawton Chiles to the Circuit Court in the Eleventh Judicial Circuit Court of Miami-Dade County where she served for almost 20 years until December 2014. During that time, she also served as the Administrative Judge of the Family Division. As Administrative Judge of the Eleventh Judicial Circuit’s Family Division, Sandy Karlan was responsible for projects including coordination between the Court and Department of Revenue regarding child support matters.  She also helped to develop KidSide, Inc., a 501(c)(3) organization dedicated to providing funding for Family Court Services.

For several years, Sandy Karlan was a member of the Florida Supreme Court’s Family Court Steering Committee, which developed the model family court and the Florida Supreme Court adopted the model in May 2001.  She was Chair of the Florida Bar Commission on the Legal Needs of Children, which studied the needs of children who appear in all divisions of Florida courts and produced a comprehensive report documenting the unmet legal needs of children, including recommendations to meet those needs in areas such as representation and confidentiality.  That report provided a blueprint for changes that have subsequently been implemented.

Her recent appointment, as a member of the Florida Children and Youth Cabinet was made by Governor Rick Scott. The Cabinet’s statutory purpose is to ensure that services for children and youth are coordinated between state agencies and delivered to improve the quality of life for Florida’s children.

Sandy Karlan received her Juris Doctor degree in 1978 with honors from the Shepard Broad Law Center at Nova Southeastern University.  In private practice for 17 years, she specialized in bankruptcy and family law.

Sandy Karlan received numerous awards throughout her career including the Greater Miami Jewish Federation Community Service Award and Legal Services of Greater Miami has created the Judge Sandy Karlan Law Student Fellowship in her honor.  She is currently a board member and past President of the Florida Chapter of the Association of Family & Conciliation Courts (FLAFCC) and a member of the International Women’s Forum.