In re: Collective Concepts LLC d/b/a Coll Concepts, LLC; Collective Concepts LLC v. PennyMac Loan Services, LLC

CourtUnited States Bankruptcy Court, N.D. Georgia
DecidedDecember 30, 2025
Docket25-62743
StatusUnknown

This text of In re: Collective Concepts LLC d/b/a Coll Concepts, LLC; Collective Concepts LLC v. PennyMac Loan Services, LLC (In re: Collective Concepts LLC d/b/a Coll Concepts, LLC; Collective Concepts LLC v. PennyMac Loan Services, LLC) is published on Counsel Stack Legal Research, covering United States Bankruptcy Court, N.D. Georgia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
In re: Collective Concepts LLC d/b/a Coll Concepts, LLC; Collective Concepts LLC v. PennyMac Loan Services, LLC, (Ga. 2025).

Opinion

geRUPI Cre

Bs im xf IT IS ORDERED as set forth below: Se iy □□□ T

Date: December 30, 2025 Jel bon yf Paul W. Bonapfel U.S. Bankruptcy Court Judge

UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA ATLANTA DIVISION IN RE: COLLECTIVE CONCEPTS LLC D/B/A ! CASE NO. 25-62743-PWB COLL CONCEPTS, LLC, : Debtor. ! | CHAPTER 11 COLLECTIVE CONCEPTS LLC, Movant,

PENNYMAC LOAN SERVICES, LLC, ! | CONTESTED MATTER Respondent.

ORDER DENYING MOTION TO VACATE ORDER AS VOID Three bankruptcy cases filed by different debtors in the past thirteen months have prevented PennyMac Loan Services, LLC (“PennyMac”) from foreclosing on real

property at 7354 Watonga Way, Riverdale, GA 30296 (the Property”). The third bankruptcy case was filed pro se by Collective Concepts, LLC (“Collective”). After a hearing on December 11, 2025, the Court entered an order granting “in rem” relief to PennyMac pursuant to 11 U.S.C. § 362(d)(4) . [Doc. 23]. Collective requests that the Court vacate its Order granting in rem relief pursuant

to FED. R. CIV. P. 60(b)(4), made applicable by FED. R. BANKR. P. 9024, on the theory it is void for four reasons: (1) PennyMac is not a creditor of Collective and the property on which PennyMac holds a lien is not property of its estate; (2) Collective did not, as a matter of fact and law, engage in a scheme to delay, hinder, or defraud creditors; (3) the Court dismissed Collective’s case before considering PennyMac’s motion, thus

removing the Court’s authority to grant PennyMac’s motion; and (4) the Court violated Collective’s due process rights. [Doc. 25]. The Court has thoroughly reviewed the record in this case and two previous bankruptcy cases filed by Rene Solomon, Collective’s owner, the record of the hearing, and Collective’s arguments. For the reasons stated herein, the Debtor’s motion is

denied. I. Factual Background Rene Solomon, individually, and Collective, a limited liability company that Mr. Solomon owns and operates, have filed a combination of three pro se bankruptcy cases

in the past thirteen months. Mr. Solomon filed pro se the first case, 24-61754-pwb, on November 4, 2024 (the “First Case”). The case started under chapter 7 and converted to chapter 13 on Mr. Solomon’s request on December 19, 2024. After a hearing on confirmation of the Debtor’s chapter 13 plan, the Court dismissed the case on March 14, 2025 because the

Debtor failed to fund his plan. The Chapter 13 Trustee’s final report shows that the Debtor made no plan payments during the pendency of the case. Mr. Solomon filed his next bankruptcy case under chapter 13 on June 2, 2025 (the “Second Case”). PennyMac and others objected to confirmation of Mr. Solomon’s chapter 13 plan, and Mr. Solomon filed several adversary proceedings raising legal

challenges to creditors’ claims, filed responses to objections to confirmation, and sought withdrawal of the reference to District Court, which denied withdrawal. After a hearing at which the Court heard from Mr. Solomon and others, the Court denied confirmation and dismissed his case on August 25, 2025. Again, the Chapter 13 Trustee’s final report shows that Mr. Solomon made no chapter 13 plan payments

during the pendency of the Second Case. Two dismissed cases within such a short period of time triggers a drastic result. If Mr. Solomon were to refile any time before March 15, 2026, no stay would go into effect pursuant to 11 U.S.C. § 362(c)(4). This is because Mr. Solomon is an individual who had two previous cases pending within the past year that were dismissed. § 362(c)(4)(A)(i). The filing of a third case within a one year period places the burden on the debtor to seek the imposition of a stay by demonstrating that the filing of the

case “is in good faith as to the creditors to be stayed.” § 362(c)(4)(B). Mr. Solomon did not file a third case. Instead, as the owner of Collective, he filed a chapter 11 petition on Collective’s behalf on November 3, 2025, the day before a scheduled foreclosure sale of the Property. 1 Notwithstanding the fact Collective is a limited liability company that cannot represent itself, it filed its petition without an

attorney. Collective listed two creditors, American Express and the Small Business Administration, in the petition. It listed no ownership interest in the Property. It did, however, state that it was a party to a lease of “office space and basement rental at [the address of the Property] used for business operations and vacation rental management.”

[Doc. 1 at 17, Schedule G]. Collective listed the lessor of the Property as Rene P. Solomon and the RP Solomon Living TR IRRV. Id. Collective also listed the Property as its mailing address. [Doc. 1 at 1]. In an email, Mr. Solomon advised PennyMac’s law firm of the filing of Collective’s petition and asserted that continuation of the scheduled foreclose sale of

the Property would be a violation of the automatic stay.

1 Mr. Solomon signed the petition as Collective Concepts’ owner and delivered the petition for filing in person. [Doc. 1 at 4, 23]. Ten days after filing, Collective sought dismissal of its case. Because § 1112(b) requires notice and a hearing on a motion to dismiss a chapter 11 case, the Court scheduled the motion for a hearing on December 11, 2025.

Shortly thereafter, PennyMac filed its Motion for In Rem Relief from the Automatic Stay pursuant to § 362(d)(4) [Doc. 18, the “In Rem Motion”]. PennyMac contends that the three cases in the past year – two by Mr. Solomon and one by Collective – constitute a scheme to “delay, hinder, or defraud” creditors that warrants a bar to the imposition of an automatic stay in any later bankruptcy case of any entity

claiming an interest in the Property. On December 11, 2025, the Court held a hearing on both motions at which Mr. Solomon, counsel for PennyMac, counsel for the Subchapter V Trustee, and counsel for the United States Trustee appeared. In support of its In Rem Motion, at the hearing, PennyMac’s counsel explained

that, notwithstanding the fact that PennyMac is not a creditor of Collective, Mr. Solomon emailed her law firm to notify it of Collective’s bankruptcy filing in an attempt to stop the November 4 foreclosure sale. The email, attached as Exhibit F to the In Rem Motion, reads: This message serves as formal notice that Collective Concepts LLC, the business holding beneficial interest in the property located at 7354 Watonga Way, has filed a Chapter 11 bankruptcy in the U.S. Bankruptcy Court for the Northern District of Georgia, Case No. 25-62743. The filed petition is attached. Under U.S.C. § 362(a), the automatic stay is now in full effect. Any action to proceed with, advertise, or call the scheduled foreclosure sale would constitute a willful violation of federal law and subject all responsible parties to sanctions, actual damages, and attorney's fees under § 362(k). Demand is hereby made for: 1. Immediate cancellation of the foreclosure sale scheduled for November 4, 2025. 2. Written confirmation thatthe sale has been withdrawn from the county’s call list and that all related activity has ceased. Please confirm receipt of this notice and provide written confirmation of compliance today. Rene P. Solomon for Collective Concepts LLC (Beneficial Interest Holder) 646-294-3455 Attachment: Voluntary Petition - Bankruptcy Case No. 25-62743 (NDGA)

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Cite This Page — Counsel Stack

Bluebook (online)
In re: Collective Concepts LLC d/b/a Coll Concepts, LLC; Collective Concepts LLC v. PennyMac Loan Services, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/in-re-collective-concepts-llc-dba-coll-concepts-llc-collective-ganb-2025.