The debtors own and occupy two adjacent lots and houses. One debtor resides in the second house to care for her father-in-law, although all family members regularly use both houses. The debtors may claim their homestead exemption in the second house.

The debtor trained in the electrical trade through a union-sponsored program in exchange for an agreement to work for a union employer. This is a form of student loan that falls under § 523(a)(8). The matter of undue hardship was a fact issue for trial.

The court ordered the bank, which had executed on a judgment pre-petition and was holding the debtor's livestock and other personal property, to release the execution and return the property to the debtors, with no need to pay adequate protection.

Cause existed under § 362(d)(1) to annul the automatic stay and ratify a foreclosure sale of the debtor's property that was unintentionally conducted post-petition. There was no evidence that a new sale would produce a greater benefit to the estate.

An unsecured junior lien on debtor's residential real estate may be avoided after the debtor completes Chapter 13 plan payments. The bankruptcy court's Sanders decision, interpreting Nobelman, permits wholly unsecured liens to be stripped off.

The debtor did not qualify for a waiver of the filing fee to appeal the court's denial of her application to waive the Chapter 7 filing fee because she did not fall below the poverty line and because she had assets available from which the fee could be pa

Service on a corporation should be made by mailing the summons and complaint to an officer or agent, not to the company itself or its law firm. If the defendant is an insured depository institution, service should be made by certified mail to an officer.

The parties' divorce decree and property settlement agreement created a non-dischargeable obligation for the debtor to hold his ex-wife harmless on any amounts owed to the bank, including the repayment of a loan from her parents to pay off the bank.

A trade union advanced funds to debtor for training. The loan became due when the debtor took a non-union job. Because debtor's household expenses exceeded income, repayment would be an undue hardship, so the loan is dischargeable under § 523(a)(8).

Fluctuations in income are simply a fact of life for those paid on a commission basis. Absent a dramatic increase in current monthly income due to the commission, it is not a special circumstance that would rebut the presumed abuse under § 707(b)(2).