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1 Sept/Oct 2009 Volume 24 Issue 3 Findings & Conclusions Contents President's Corner 1 Managment Directory 2 Governor’s Proclamation 3 Managment Reports 4 NW Chapter Snohomish County Membership Pro Bono 7 Military Paralegal Military Paralegals Updates Pro Bono Report NFPA Happenings 12 Guest Article Motor Vehicle Values 13 2009 CLE Brochure 16 President's Corner by Brian Haberly, RP www.wspaonline.org Index to Advertisers Advertiser Page 2009 CLE Sponsor Appreciation 15 MedRecs Northwest Medical Experts Naegeli Reporting Lexis 713 Training 10 CourtsOnline 14 Premier Reporting and Video 10 T-Scan Corporation 11 Watkins Court Reporters 14 Advertising rates and information: page 4 I hope you have made plans to attend the WSPA Fall CLE Conference which will be held at Seattle University Law School on Friday, October 23 rd . This is Washington’s biggest Paralegal Conference of the Year, and a chance for you to hear from some terrific attorney and paralegal presenters on a variety of legal topics. This year, we are featur- ing 12 different CLE sessions in three concurrently running tracks, so there is something for every- one. We are especially pleased to have Seattle University Prof. Mimi Samuel leading a session on Effective Legal Writing, and visiting us from Colorado, Ms. Victoria Ring speaking on Bankruptcy Law and what paralegals should know about the Creditors’ perspective. King County e-Filing tips and tricks should be a popular session, as well as a panel discussion on the Paralegal Profession and today’s tough job market, led by two law firm legal administrators, Barbara Paige from Dorsey Whitney and Lynda Mathews from Perkins Coie, and joined by Legal Recruiter Will Chargualaf from Law Dawgs placement agency. Washington State Paralegal Week, October 19-23, 2009 will be highlighted via the presentation of a Proclamation signed by Gover- nor Gregoire (see page 3) during the 8:30 am opening session. Our Special Luncheon Speaker will be Joanna Plichta Boisen, Pro Bono Counsel with Foster Pepper, speaking on the ABA’s Na- tional Celebrate Pro Bono Week effort. After lunch, attendees will have a chance to network and visit with several vendors and legal service providers. Don’t Miss It! WSPA LinkedIn Group and Facebook page Are you involved with Social Networking yet? If not, why not? Re- cruiters are doing more and more of their research using online sites like LinkedIn and Facebook to speed their search process. If you haven’t set up a free LinkedIn page yet, do so today! Then join the free WSPA Group on LinkedIn, to get frequent updates about WSPA events, Chapter news, job postings, and Discussion Topics. Post questions to your fellow paralegals and gain new perspectives from others you may not yet have met, but that you share a common bond with. Our WSPA LinkedIn Group’s free User Guide is available right from our website homepage (www.wspaonline.org). Brian Haberly

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Sept/Oct 2009 Volume 24 Issue 3

1

Sept/Oct 2009 Volume 24 Issue 3

Findings & Conclusions

ContentsPresident's Corner 1

Managment Directory 2

Governor’s Proclamation 3

Managment Reports 4NW ChapterSnohomish CountyMembership

Pro Bono 7Military ParalegalMilitary Paralegals UpdatesPro Bono Report

NFPA Happenings 12

Guest ArticleMotor Vehicle Values 13

2009 CLE Brochure 16

President's Cornerby Brian Haberly, RP

www.wspaonline.org

Index to Advertisers Advertiser Page

2009 CLE Sponsor Appreciation 15

MedRecs

Northwest Medical Experts

Naegeli Reporting

Lexis

713 Training 10CourtsOnline 14Premier Reporting and Video10T-Scan Corporation 11Watkins Court Reporters 14Advertising rates and information: page 4

I hope you have made plans to attend the WSPAFall CLE Conference which will be held at SeattleUniversity Law School on Friday, October 23rd.This is Washington’s biggest Paralegal Conferenceof the Year, and a chance for you to hear fromsome terrific attorney and paralegal presenters ona variety of legal topics. This year, we are featur-ing 12 different CLE sessions in three concurrentlyrunning tracks, so there is something for every-

one.

We are especially pleased to have Seattle University Prof. MimiSamuel leading a session on Effective Legal Writing, and visitingus from Colorado, Ms. Victoria Ring speaking on Bankruptcy Lawand what paralegals should know about the Creditors’ perspective.King County e-Filing tips and tricks should be a popular session, aswell as a panel discussion on the Paralegal Profession and today’stough job market, led by two law firm legal administrators, BarbaraPaige from Dorsey Whitney and Lynda Mathews from PerkinsCoie, and joined by Legal Recruiter Will Chargualaf from Law Dawgsplacement agency.

Washington State Paralegal Week, October 19-23, 2009 will behighlighted via the presentation of a Proclamation signed by Gover-nor Gregoire (see page 3) during the 8:30 am opening session. OurSpecial Luncheon Speaker will be Joanna Plichta Boisen,Pro Bono Counsel with Foster Pepper, speaking on the ABA’s Na-tional Celebrate Pro Bono Week effort. After lunch, attendees willhave a chance to network and visit with several vendors and legalservice providers. Don’t Miss It!

WSPA LinkedIn Group and Facebook pageAre you involved with Social Networking yet? If not, why not? Re-cruiters are doing more and more of their research using online siteslike LinkedIn and Facebook to speed their search process. If youhaven’t set up a free LinkedIn page yet, do so today! Then join thefree WSPA Group on LinkedIn, to get frequent updates about WSPAevents, Chapter news, job postings, and Discussion Topics. Postquestions to your fellow paralegals and gain new perspectives fromothers you may not yet have met, but that you share a commonbond with. Our WSPA LinkedIn Group’s free User Guide is availableright from our website homepage (www.wspaonline.org).

Brian Haberly

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2009 - 2010MANAGEMENT DIRECTORY

In-State: (800) 288-WSPA (9772)E-Mail: [email protected]

Web Site: http://www.wspaonline.org

OFFICERS

PresidentBrian Haberly [email protected] & AdministrationSue [email protected] DevelopmentNancy [email protected] [email protected] [email protected] Past PresidentTheda Yandell RP

NFPA REPRESENTATIVESNFPA Primary RepresentativeTheda Yandell [email protected] RepresentativeSue [email protected] AppointeeBrian Haberly [email protected] AmbassadorLaura [email protected]

DIRECTORS

East King Co. DirectorTami [email protected] DirectorMichelle [email protected] DirectorJeanenne [email protected] Puget Sound DirectorBarbara [email protected] DirectorAmanda [email protected] WA. Chapter [email protected] Co. InterimChapter DirectorSarah [email protected] King CountyDouglas [email protected] Chapter [email protected] At-Large, [email protected] At-Large, WestBrenda [email protected]

COMMITTEE CHAIRS

CLE Approval CommitteeChairStephanie [email protected] Bank Committee ChairTami [email protected] Program ChairJennifer [email protected]/Issues [email protected] Bono CoordinatorDebbie [email protected] Coordinator/EditorJay [email protected] Paralegal CoordinatorJeanenne Rutherfordmilitary-paralegal-support@[email protected]

ADMINISTRATORDiane BevinsAssociation Services, Inc.P.O. Box 58530Seattle, WA 98138-1530(206) [email protected]

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Management Reports

Northwest Chapter ReportMichelle J. Snow-Walt, Northwest Chapter Director

Although the weather is unseasonably warm and sunny, the leaves are changing and fall isdefinitely in the air. The NW Chapter held a brown bag CLE in September at the offices of BarryM. Meyers. Scott Railton of Chang & Boos presented a general practice paralegal’s primer onImmigration and Naturalization. A lot of information to cover in less than an hour, but Scott wasable to give us most of the basics and he invited us to contact him if we have any questions.(Now that’s my idea of a great speaker!)

We are all looking forward to the events planned for the latter part of October, too. On October22 we are holding our first fall social at Pacioni’s Pizza in Mount Vernon. This is an evening

event designed to include those paralegals and students who have a hard time getting to our noon brown bags.There will be time for networking and socializing, and we’ll make sure there is plenty of pizza and soft drinks foreveryone who attends.

October 23 is the WSPA Fall CLE and we are hoping for a good turn out in Seattle from our chapter membership.

October 24 is National Make a Difference Day. As we have in the past few years, our chapter is collecting officesupplies for Skagit Volunteer Lawyers and LawAdvocates of Whatcom County. We are asking all the local paralegalsand lawyers to clean out their supply closets, hit their local office supply store, or just buy a gift card to the localCostco – all donations are welcome, and both organizations need all the help they can get in these days ofshrinking budgets.

The NFPA conference is being held in Portland, Oregon, at the end of the month, and some of our members will bethere to see first hand what a national paralegal conference is like. Our November Brown Bag CLE is scheduled forBellingham on November 18. We are stilling firming up plans for that event, so stay tuned.

Michelle J. Snow-Waltz, DirectorOriginal items printed here are the property of WSPA.We ask that National Federation of Paralegal Associa-tions (NFPA) member associations who reprint articlesfrom Findings and Conclusions, credit the article andprovide WSPA with a copy as reprinted. Others may notreproduce original material for any purpose without prior,written consent of the WSPA Newsletter Editor.Publication of any advertisement does not imply endorse-ment of the product/services offered. WSPA reservesthe right to reject advertisement due to content or spaceconsiderations.

Disclaimer

Unless otherwise indicated, the authors of the submissionscontained in Findings & Conclusions are paralegals. All reports,profiles, summaries, checklists, articles, or other submissionsare provided for informational purposes only, and are notintended as legal advice and should not be relied upon forthat purpose. All opinions expressed in any submission arethe authors’ sole opinion and should not be taken as theopinion or position of the Washington State ParalegalAssociation.ADVERTISING RATES:

Dimensions Month to Month Pre-Paid One Year(6 Issues)

1/8 page $ 50.00 20% discount1/4 page $100.00 20% discount1/2 page $150.00 20% discountFull page $200.00 25% discount

Contact [email protected] for ad-ditional advertising information.

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Snohomish County Chapter ReportBrian Haberly, WSPA President

The Snohomish County Chapter held its most recent meeting on Thursday, August 27th at theMountlake Terrace Library. Our special guest speaker was WSPAs PACE Ambassador, LauraJordan.

Laura described her experience at the NFPA National PACE Ambassadors’ Convention, andshe gave us an update on what’s been happening around the nation. Laura pointed out thatWashington State has had some great success in brining several new PACE RegisteredParalegals (RPs) along, via successful PACE study groups. She noted that other states havebeen seeking her out to find out why we are so successful, and to borrow from our model.

Laura noted that the Northwest Chapter had recently completed a PACE study group, and that three or four moreWashington RPs were expected to come out of that group in the coming months. She noted too that all RPs areinvited and encouraged to attend the NFPA annual convention taking place in Portland, Oregon at the end ofOctober, so that they can stand and walk across the stage and receive recognition from their peers.

She shared that employers are beginning to recognize the PACE credential more and more, and that it has nowstarted showing up as a desired attribute of paralegal candidates in some job listings. In time, NFPA believes thatthe RP credential will help advanced paralegals better distinguish their paralegal competency from their competi-tors in the workplace, and perhaps result in greater salaries and rewards, just as other professions credit advancedcertifications.

I would also like to use this issue’s Chapter report to express my sincere thanks and appreciation to MonicaRoberts who has recently had to step down as Chapter Director due to competing interests of a new job, her family,and caring for a parent that resides in the area. Monica has been a terrific Chapter Director for the past year or so,and has helped get the Snohomish Chapter meeting regularly every few months with a wide variety of speakers andtopics. We wish Monica well in her new position, and know that she will still attend future Chapter meetings as herschedule will allow.

I am also pleased and excited to announce that Snohomish Chapter member Sarah Eisenhauer has agreed tostep up and serve as our interim Snohomish Chapter Coordinator until such time as a permanent successor toMonica has been identified. Brian, Sarah, and our At-Large Director Brenda Cothary, will be working together tobring Sarah up to speed quickly on what it takes to keep a WSPA Chapter strong and growing. Please give Sarahyour full support, and dont be shy about volunteering your time and efforts to help make her and the Chapter assuccessful as Monica was able to do. You can reach Sarah at [email protected].

WSPA's Mission: To enthusiastically support and promote the paralegal profession in the State ofWashington.

We are dedicated to the enhancement of the paralegal profession.We strive for personal and professional development.

We will encourage increased utilization of paralegals to broaden employment opportunities statewide.

We advocate high quality paralegal educational programs in preparation for entry into the profession.

We hold our members to high standards by requiring 10 Continuing Legal Education credits per year to retain full votingstatus or to hold an office in the Association.

We will monitor proposed state and federal legislation affecting paralegals and will participate in the legislative andregulatory process to represent our Members' views.

Management Reports

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Management Reports

Membership ReportSue Beichley, Vice-President, Membership

I hope you’ve been enjoyed your summer. As we head into fall please check the WSPA calendarfor upcoming events. WSPA’s individual chapters will continue to offer many superb social andeducational opportunities throughout the year. Contact your local chapter director for moreinformation.

Renewal time is fast approaching. Please look for renewal information in your email box and onthe website in the middle of October. This will be a great time to refer a friend. One of the manybenefits when you join WSPA is you automatically become a member of NFPA (National Federa-tion of Paralegals Associations). As a part of NFPA’s member benefits you receive The NationalParalegal Reporter, their bi-monthly publication, Also, you receive access to all of the resourceson their website (www.paralegals.org), besides continuing education benefits, you get access to

a nationwide job bank, regular updates on national affairs. NFPA is hosting its National convention PortlandOctober 29 –November 1, 2009. This is a wonderful opportunity to get involved and see how NFPA operates. TheOregon Paralegal Association is sponsoring this event which will not be on the West Coast again for many years.I hope to see many of you there. WSPA offers you so many wonderful benefits and a solid base of social network-ing.

We currently have 111 voting members; 85 Associate members; 23 Nonprofit members; 72 student members and7 Sustaining members.

I would like to welcome the following new members who joined WSPA during August and September.

Rebecca Dotson Valerie SpencerSusan Peterson Lenita TraderRisa Collins Mary HughsMichelle Allred Staci BlackLorrie Cardoso Troy MundingerRachael Perluhn Jennifer WilsonAnne Elliot Catherine MitchellJayna Paradise Kristina AndersPamela Young Brenda StauchMelissa McLain

Findings and Conclusions is the official publication of the Washington StateParalegal Association and is published six times per year. Letters to the Editor,articles, advertisements or correspondence should be submitted to:

WSPA Newsletter EditorP.O. Box 58530Seattle, WA 98138Email: [email protected] Email: [email protected]

All submissions are due the 20th of each odd numbered month for publication thefollowing month. Articles may be submitted on disk in Word format or via Email.

The Editor reserves the right to edit material for clarity, space or advertising.Thearticles published herein express the opinions of their authors and, unless ex-pressly stated, do not necessarily reflect those of WSPA

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Pro Bono

HELP WSPA SUPPORTWe are pleased to now be sponsoring LN1 Claudia Hodgeboom, stationed in Iraq

and LN2 Lesley A. Cruce, stationed in Afghanistan.

The Washington State Paralegal Association is a founding member of the NFPA Military Paralegal Outreach program. Thisprogram seeks to unite paralegals serving overseas in the US Armed Forces with local paralegal associations by sendingperiodic “Care Packages” of non-perishable food, snack, hygiene and other miscellaneous items (books, games, stationery,etc.) to bring them a little bit of home while away from their loved ones.

WSPA was one of the original 8 paralegal associations across the country that participated in the very first group mailing to activeduty Military Paralegals serving overseas back in February 2006. In the first year of this program, NFPA member associationssupported 29 Navy Legalmen and Military Paralegals. WSPA is proud to have supported six military paralegals since thisprogram was first begun. We are pleased to now be sponsoring LN1 Claudia Hodgeboom, who is stationed in Iraq andLN2 Lesley A. Cruce, stationed in Afghanistan. Jeanenne Rutherford is now accepting donations (cash and food items)in the Seattle area. You can reach her at [email protected].

Suggested Items:

Hygiene: Food:Antibiotic Ointment Single Serving Pasta LicoriceChapstick/lip balm/Carmex Ready to Heat Soups Sunflower SeedsSunscreen (Bull Frog is good) Lunchables Aqua DropsBug Repellent (with deet) Ramon Noodles GumFace cleaner Powdered Power-Aide/Gator-Aide/ Peanuts in a shellEye drops/Saline Koolaid/Tang Rice Krispy TreatsLiquid hand sanitizer/Baby wipes Granola Bars/Cereal Bars Snack CakesFoot/body powder (Gold Bond) Fruit Roll-ups Misc:Misc:Misc:Misc:Misc:Deodorant Raisins CondimentsShampoo/Conditioner Beef Jerky (no pork) Lemonade/Ice Tea MixTooth Brush/Toothpaste Applesauce Cough DropsNose spray/nose drops Fruit/Pudding Cups Stationery/envelopesHand/Body Lotion Cereal (individual Servings) Stamps/PensBand-aids, Mole Skin Chex Mix Dice/Travel GamesSoap Tuna Kits Individual Instant CoffeeMouth Wash Snacks:Snacks:Snacks:Snacks:Snacks: Books/MagazinesNail Clippers Hard Candy (no chocolate-it melts) Tylenol/IbuprofenDental Floss Snack Mix Allergy MedicineTums/Rolaids Chips/Cookies/Crackers/Microwave Ziploc BagsTylenol/Aspirin Popcorn/Pretzels Instant CamerasQ-Tips Pop Tarts RainX

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Pro Bono

After a long wait we now have two Navy Legalman to support.. Legalman Perform paralegalduties under the direction and supervision of Judge Advocates in providing and administeringlegal services, including matters concerned with military justice, administrative discharges,claims, admiralty law and legal assistance. The purpose of our project, is to provide supportand comfort, along with information and news regarding the civilian paralegal profession, to ourmilitary paralegal counterparts.We are pleased to now be sponsoring LN1 Claudia Hodgeboom, who is stationed in Iraq andLN2 Lesley A. Cruce, stationed in Afghanistan.Jeanenne Rutherford is now accepting donations (cash and food items) in the Seattle area. Youcan reach her at [email protected].

Care Packages to Iraq and Afghanistan:

LN1 James Richardson, of the OJAG, 004 recommends:1. Do not send any drinks containing alcohol in any care packages. Alcohol is illegal.

3. Do not send anything that will not withstand intense heat. Chocolate, cookies containing chocolate or any otherfood item that cannot take intense heat will melt.

4. Do not send anything that comes in an aerosol can such as deodorant or shaving cream.

5. Send items such as sour patch kids, hard candies, hard cookies, chips, crackers, beef jerky and other driedmeats and hard cheeses that do not require refrigeration.

6. Send novelty items. Troops get a kick out of little items that remind them of home. For example a holiday itemlike a 4th of July sparkle garland with a flag from the dollar store or miniature Christmas tree or a pumpkin notepad.Any holiday item can be chosen for that period. [Dollar stores are a great source!]

7. Send personal items they can use such as dental floss, shaving cream in a tube, disposable razors or stickdeodorant.

8. Send items to fill in time like a book, or a crossword puzzle book, or word find or soduku puzzles, or a drawingpad. Do not forget to include a pen or drawing pencils.

9. Send a recent newspaper even if they are not from your area. If they are not related, send an upbeat note to themand thank them for their service.

For more suggestions go to http://wspaonline.org/index.php?option=com_content&view=article&id=120:military-

Military Support Program Update!Jeanenne Rutherford, Military Paralegal Coordinator

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Pro Bono

Paralegals can get involved in Community Legal Services’ pro bono efforts through on-goingvolunteerism with the Housing Justice Project.

The Housing Justice Project (HJP) is a homelessness prevention program providing accessible,volunteer-based legal services to low-income, residential tenants facing eviction in King County.Legal assistance is provided through counsel and advice, negotiated settlements, limited repre-sentation at Show Cause hearings, and/or referrals depending on tenants’ needs and financialeligibility.

HJP has morning walk-in hours at offices in the King County Courthouse (Seattle) and RegionalJustice Center (Kent). HJP PM has afternoon hours on Mondays and Thursdays in Seattle only

in Room West 314 of the King County Courthouse.

Responsibilities include opening and closing the respective project office, conducting client interviews (intake),providing administrative support and limited research for volunteer attorneys, and interacting with courthouse staff.Volunteers must be comfortable working with clients from diverse cultural, social, and economic backgrounds aswell as those with mental health issues.

This information and additional resource material can be found on the King County Bar web site. Here is that link:http://www.kcba.org/volunteer/HJP/volunteer.aspx

Ready to volunteer?

To begin volunteering, complete and return the appropriate application from the King County Bar Web Site [email protected] with the subject line HJP Volunteer.

For questions about HJP Kent, contact Sandi at 206.267.7056. For questions about HJP Seattle or HJP PM,contact Yurij at 206.267.7028 (Kent currently has a greater need for volunteers than does Seattle.

Please check back next month about a new program through the Tacoma-Pierce County Bar Association providinglegal assistance (with attorney supervision) to domestic violence victims. Family law experience may be required.

Pro Bono ReportDebbie Aubrey, Pro Bono Coordinator

Definition of a Paralegal – as defined by NFPA and WSPA

A Paralegal is a person, qualified through education, training or work experience toperform substantive legal work that requires knowledge of legal concepts and iscustomarily, but not exclusively, performed by a lawyer. This person may be retained oremployed by a lawyer, law office, governmental agency or other entity or may beauthorized by administrative, statutory or court authority to perform this work.Substantive shall mean work requiring recognition, evaluation, organization, analysis, andcommunication of relevant facts and legal concepts.

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“The Washington State ParalegalAssociation would like to thankPremiere Realtime LitigationServices for their generousdonation of Video ProductionServices in creating a video to beshown at the Pro BonoConference at Seattle Universityon October 30th, in conjunctionwith the ABA’s National Pro BonoCelebration Week”

Advertisers

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Advertisers

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Sponsored by the Oregon Paralegal AssociationOctober 29-November 1, 2009

Portland, ORJoin the Expedition and Come to Oregon, Be a Paralegal Pioneer!

* Learn existing and future trends how they will impact you and your employer.

* Return to your job more knowledgeable and enhance your success and satisfaction as aparalegal.

* Network with numerous industry suppliers and colleagues.

* Learn how to asses reactions to the presentation of evidence at trial.

* Discuss issues facing employers and employees in dealing with private information andsecurity in the workplace.

* Learn why Electronic Data Discovery (EDD) is a major concern in litigation.

* Learn about the amendments to the Federal Rules of Civil Procedure.

Register Online at: www.paralegals.org

NFPA Happenings

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An attorney emailed me a Chapter 13 petition todayfor a bankruptcy petition review. He had balancedout Schedule I and J and had a remaining excess of$2,822.55. However, when the attorney proposed aChapter 13 Plan payment of $2,822.55; the Chapter13 Plan calculator said the payment needed to behigher to cover the debts. An amount of $3,750.16was suggested by the software program.

In many circumstances, when a law firm is faced witha similar scenario, they will immediately start trying toreduce expenses on Schedule J. This line of reasoningis NOT protecting the debtor. Before you reduceexpenses and take money out of the debtors pocket(which should be a strategy that is used as a last resort),go over Schedule A and B with a fine tooth comb. You may be able to find an error you made or theattorney may be able to reduce the interest rates,calculate a different monthly payment, do a cramdown, strip a mortgage lien or any other number ofoptions to protect the debtor.

However, the petition I reviewed for my attorneytoday was caused by a very simple error that isimpossible to see on the surface. I wanted to passthis important information on to you as soon as ithappened so you can recognize the problem and dealwith it on a future case to avoid this same problem. Allow me to explain the process I went through tosolve this issue so you will have a better understandingof what I am talking about:

1. I began my analysis by reviewing Schedule A andB to understand how the debts were classified.Attorneys and their assistants often do not classifydebts correctly and this will throw off the Chapter 13calculation.

2. Next, I review Schedule I and J to see if any of thefigures seemed out of line. (Note: If you are abeginner in this field, you will not be able to do thiswhen you begin your career because it is a skill youneed to learn over time.) For this particular petition,nothing was out of line so I had to dig a little deeper.

3. Next, I reduced the claim amount on the motorvehicles to the market value. This is called a CRAMDOWN. Because the claim amount was reduced,the monthly payment was reduced. However, thisreduction still did not make any dent into loweringthe Chapter 13 Plan payment from $3,750.16 to the$2,822.55 the debtors could afford. To read the articleI wrote concerning cram downs visit:

http://www.713bankruptcy.com/archives/203

4. Next, I double and triple checked every piece ofinformation on Schedule A and B. When I wasreviewing the motor vehicles on Schedule B anddetermining if they could be crammed down anyfurther I decided to check the Kelly Blue Book valueon a 2008 Lexus. The attorney had a market value of$27,450 but Kelly Blue Book showed only $16,200.

I asked myself: Why was there an $11,000 differenceon this one vehicle and the other vehicles matchedtheir Kelly Blue Book values? I called the legalassistant at the law firm and asked her to get theclient file and tell me what the year, make and modelof the 2008 Lexus was. When she reviewed the cartitle she found that the model was different from theinformation the debtor provided on the Client IntakeForms. When the change to the market value onthe 2008 Lexus was made on Schedule B, the Chapter13 Plan balanced out perfectly with the $2,822.55proposed monthly payment.

Think about this for a moment; this one tiny, simplelittle error could have cost the debtor almost$1,000.00 per month. I was so thankful that a ladyin our office helped me to discover the problem sothat it could be fixed before it went to court. Notonly did this simple change save the debtor $1,000per month, it also saved the attorney money andtime because eventually they will discover the problemand need to fix it. Or, in the worst case scenario, thedebtor stops paying into the Chapter 13 Plan and thecase is dismissed for non-payment. However, makingthis minor adjustment prior to filing the bankruptcypetition, problems like these are eliminated.

(continued next page)

Motor Vehicle ValuesBankruptcy Case Review by Victoria Ring (reposting from http://www.713bankruptcy.com)

Guest Articles

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(continued from previous page)

Summary

Although this article centers around a Chapter 13scenario; the information is essential for any otherbankruptcy chapters also. It is EXTREMELYimportant to make sure you have the correct marketvalue of ALL assets as well as ALL motor vehicles.Whether you use Nada Guides or Kelly to obtainmotor vehicle values, when you obtain the [trade in]value dollar amount, PRINT the webpage to a PDFor paper so the attorney has it with him or her whenattending the 341 Meeting. This print out providesthe verification the attorney needs to negotiatesettlements with the lender or aide in allowing theTrustee to accept the cram down dollar amount forthe motor vehicle debt.

For a list of links specifically to help you whenpreparing bankruptcy petitions, visit:

h t t p : / / w w w. 7 1 3 a t t o r n e y . c o m / l i n k s /prepare_petitions.html

Do you need a petition reviewed?

h t t p : / / w w w. 7 1 3 t r a i n i n g . c o m / s h o p /cart.php?m=product_detail&p=86

or http://www.713training.com/shop/ and click onTRAINING to view all the training products andservices we offer to attorneys, paralegals and virtualbankruptcy assistants

NOTICE: Victoria Ring, the author of this article isnot an attorney and has never attended law school.She has worked in the legal field since 1977 andobtained her Certified Paralegal Certificate in 2001.Victoria is also a Bankruptcy Specialist and obtainedher certification testing through the Association ofBankruptcy Judicial Assistants. Victoria is also aspeaker, training instructor and developer of all theproducts sold by the parent company713Training.Com. To contact Victoria Ring directlyvisit: http://www.713attorney.com/contact.html

Guest Articles

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2009 Fall CLE Conference

Washington State Paralegal Association sincerely thanks thefollowing Sponsors for supporting and attending the 2009Fall CLE, October 23rd, 2009. It is with their generoussupport WSPA is able to present extraordinary educationalopportunities. Please visit these supporting sponsors whileat the CLE:

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2009 Fall CLE Conference

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2009 Fall CLE Conference

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2009 Fall CLE Conference

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2009 Fall CLE Conference

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2009 Fall CLE Conference

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2009 Fall CLE Conference

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2009 Fall CLE Conference

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2009 Fall CLE Conference

Patrick Inouye, Esq. is a partner at The Cascadia Intellectual Property® and he is aregistered patent attorney. He received his Juris Doctorate degree with Certificate in BusinessLaw in 1994, Master of Science degree in Computer Science in 1989, and Bachelor ofScience degree in Computer Science in 1984. His patent work spans all major technologies,with a specialization in the software, hardware, medical device, and mechanical arts. Mr.Inouye has taught continuing legal education courses and lectured at university. He recentlyretired from the U.S. Air Force Reserve. Mr. Inouye is licensed in California, Oregon, andWashington state and is registered to practice before the U.S. Patent & Trademark Office.