Fixing Broke: Consumer Bankruptcy Diary

Latest Episodes:

The Successful Debtor Project: Conversations with Chapter 13 Trustees - Part 1 Dave Ruskin Oct 21, 2026

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In a new series we partner with guest host Jen Lee in a project dubbed *The Successful Debtor Project: Conversations with Chapter 13 Trustees.* In this first episode, Jen sits down with veteran Detroit Chapter 13 Trustee David Ruskin to discuss the human side of bankruptcy, behavioral economics, and how proactive communication can completely change a debtor's trajectory.

Tune in as they break down why keeping debtors engaged through milestone updates lead to higher success rates, increased attorney profitability, and a smoother road to financial discharge.

Fulton Tried to Put 13 in the Hospital, Falkner Tried to Put It in the Morgue.mp3 Jun 06, 2026

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What is a city to do when so much of its annual operating budget relies on fines, forfeitures and parking tickets (yes, parking tickets) when pesky debtors and their attorneys file chapter 13 and wind up paying little or nothing on those claims? The answer appears to be clear. Go after the attorney’s life blood – their fees.

Join Jody Bledsoe, host with his special guest, Mike Miller, to see how the City attacked the attorneys’ fees and how the 7th Circuit responded. Mike represented the appellees in the appeal where the question was clearly presented: Can an attorney be paid fees from a chapter 13 for the work done before unsecured creditors receive all of the debtor’s projected disposable income.

You won’t want to miss the drama and learn how the future of chapter 13 in Chicago was clearly on the chopping block.

Come to NACTT and Discover the Hidden Gem in Plain Sight! Apr 19, 2026

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Join Jody Bledsoe and Andrea Celli as they explore why the NACTT conference stands out as a premier event for bankruptcy professionals, offering unmatched networking for trustees, debtor attorneys, and creditor attorneys, along with practical insights you can immediately apply to your practice, all set in the vibrant backdrop of New York City

In this episode, Andrea shares insider tips on making the most of your trip—from iconic landmarks and unique tours to hidden gems and efficient ways to explore the city, helping you turn a business trip into a memorable experience, especially with conference room rates available at $290 per night (plus taxes and fees), making this an opportunity you won’t want to miss.

Program Link : https://nactt.com/resources/Seminar_Program_Registration.pdf

Registration Link : https://nactt.com/event-4867637/Registration

Questions or Comments click here.

Get Off the Beaten Path and Don’t Eat Your Pizza With a Fork! Apr 11, 2026

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In this episode, Jody Bledsoe sits down with Pat Schaefer to share insider tips on experiencing New York City during the NACTT conference. They go beyond Times Square, highlighting vibrant neighborhoods, local food spots, and authentic New York experiences, from classic pizza and delis to hidden gems across the city.

They also touch on must see landmarks like Fraunces Tavern, where George Washington met with his officers in the historic Long Room.

It is the perfect quick guide to making the most of your time in the city while attending the conference.

From Central Park views to walking across the Brooklyn Bridge, you will discover why every neighborhood offers a completely different New York experience.

Program Link : https://nactt.com/resources/Seminar_Program_Registration.pdf

Registration Link : https://nactt.com/event-4867637/Registration

3002.1 – Debtor Attorneys Were Gobsmacked Part 2 Jan 22, 2026

Show notes

A deep dive into the October 2024 In re Del Rocio Cruz decision, with essential practice tips for debtor and creditor attorneys navigating Bankruptcy Rule 3002.1. Podcasters are veteran bankruptcy nerds Chapter 13 Trustee Jody Bledsoe and Hilary Bonial, an attorney representing various creditors.

3002.1 – Debtor Attorneys Were Gobsmacked Part 1 Jan 22, 2026

Show notes

When does Bankruptcy Rule 3002.1 apply? To which creditors? Objections? And a look at In re Sciba – what are reasonable fees and costs?? Podcasters are veteran bankruptcy nerds Chapter 13 Trustee Jody Bledsoe and Hilary Bonial, an attorney representing various creditors.

[Repost]

The Bankruptcy Code Is Not a Cafeteria Plan, But Bacon Is Good!! Jan 16, 2026

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In this episode, Jody Bledsoe sits down with Mike McCormick, a seasoned creditor bankruptcy attorney, to explore the intricacies of bankruptcy law and the personal journey that led Mike from Toronto to the heart of the American South. They delve into the challenges and nuances of bankruptcy practice, the importance of understanding both debtor and creditor perspectives, and the evolving landscape of multi-state legal representation. With engaging anecdotes and expert insights, this conversation offers a unique glimpse into the world of bankruptcy law and the personal stories behind the professionals who navigate it.

You Are Not Broken Dec 12, 2025

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In this episode, former Chapter 13 trustee and longtime bankruptcy attorney Jody Bledsoe sits down with licensed clinical social worker and addiction specialist Karen Walters to discuss mental health—not just in the legal field, but for anyone dealing with stress, emotional issues and being overwhelmed.

3004 Can Save the Day (a/k/a House) Sep 29, 2025

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In this episode, our host Jody Bledsoe sits down with Keith Rucinski, a Chapter 13 trustee, shares his insights on the challenges of managing bankruptcy cases, focusing on late-filed claims and the responsibilities of debtors and trustees. Alongside Molly Simons, a senior attorney at MDK, they discuss the impact of rule changes and the importance of timely claim filings in the bankruptcy process.

The Current and Future Bankruptcy Rule 3002.1 May 01, 2025

Show notes

In this, our SIXTH episode, Host Jody Bledsoe does an outstanding job of expertly interviewing bankruptcy “rock” star Ed Boltz on Rule 3002.1. They cover the parenthetical alphabet (b) through (h) and then some! Cases of note include: In re Saeed, No. 10-10303, 2010 WL 3745641; In re Howard, 563 B.R. 308, 315 (Bankr. N.D. Cal. 2016); Specialized Loan Servicing, LLC v. Devita (In re Devita), 610 B.R. 513 (E.D.N.C. 2019); In re Greene, Case No. 18-04747-5-PWM (Bankr. E.D.N.C. May 24, 2024); and Hot Off the Press In re Peach, Case No. 21-30390 (Bankr. W.D.N.C.).

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