In re: Kirk Eugene Frantz AND Mary Elizabeth Frantz

CourtUnited States Bankruptcy Appellate Panel for the Ninth Circuit
DecidedDecember 29, 2023
Docket23-1112
StatusPublished

This text of In re: Kirk Eugene Frantz AND Mary Elizabeth Frantz (In re: Kirk Eugene Frantz AND Mary Elizabeth Frantz) is published on Counsel Stack Legal Research, covering United States Bankruptcy Appellate Panel for the Ninth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
In re: Kirk Eugene Frantz AND Mary Elizabeth Frantz, (bap9 2023).

Opinion

FILED DEC 29 2023 ORDERED PUBLISHED SUSAN M. SPRAUL, CLERK U.S. BKCY. APP. PANEL OF THE NINTH CIRCUIT UNITED STATES BANKRUPTCY APPELLATE PANEL OF THE NINTH CIRCUIT

In re: BAP No. CC‐23‐1112‐FLG KIRK EUGENE FRANTZ and MARY ELIZABETH FRANTZ, Bk. No. 6:15-bk-19432-MH Debtors.

JENNY L. DOLING, Appellant. OPINION

Appeal from the United States Bankruptcy Court for the Central District of California Mark D. Houle, Bankruptcy Judge, Presiding

APPEARANCES Appellant Jenny L. Doling argued pro se.

Before: FARIS, LAFFERTY, and GAN, Bankruptcy Judges.

FARIS, Bankruptcy Judge:

INTRODUCTION

Appellant Jenny L. Doling represented debtors Kirk Eugene Frantz

and Mary Elizabeth Frantz during their chapter 131 bankruptcy case. At the

1Unless specified otherwise, all chapter and section references are to the Bankruptcy Code, 11 U.S.C. §§ 101-1532, all “Rule” references are to the Federal Rules of Bankruptcy Procedure, all “Civil Rule” references are to the Federal Rules of Civil Procedure, and all “LBR” references are to the Local Bankruptcy Rules of the United end of the plan term, the chapter 13 trustee sought to dismiss the case

because the Debtors were over $50,000 delinquent on direct mortgage

payments. Ms. Doling nevertheless told the bankruptcy court that the

Debtors had completed their chapter 13 plan. The bankruptcy court found

that the statement was knowingly false and intended to mislead the court

because the Debtors could not have completed the plan if they were

delinquent on their direct mortgage payments. The court sanctioned her

and denied her motion for reconsideration.

On appeal, Ms. Doling argues that the bankruptcy court clearly erred

in finding that she intentionally made a false statement to deceive the court

and that the sanction was excessive. Although we recognize the

bankruptcy court’s frustration with Ms. Doling’s substandard performance,

her statement ultimately was not frivolous as a matter of law because her

position had some basis in law. We therefore REVERSE the bankruptcy

court’s imposition of sanctions.

We publish to highlight the standards for and limitations of Rule

9011 sanctions, particularly when the court initiates the sanctions process.

FACTS

A. The Debtors’ chapter 13 petition, plan, and motion to avoid lien

In September 2015, the Debtors, represented by Ms. Doling, filed a

chapter 13 petition. They scheduled their residence located in Big River,

States Bankruptcy Court for the Central District of California.

2 California (the “Property”) with a value of $360,000 that was subject to a

first mortgage lien in favor of Ditech Financial LLC. Ditech Financial filed a

proof of claim for $503,423.38.

The Debtors also scheduled a $100,000 lien against the Property held

by John Irving, Trustee of the Irving Family Trust (the “Irving Lien”).

In 2015, the bankruptcy court confirmed the Debtors’ plan. The plan

required the Debtors to make payments to the trustee for five years (which

the Trustee would use in part to cure the prepetition arrears on the first

mortgage) and to make the regular contractual postpetition payments on

the first mortgage directly to Ditech Financial.

While plan confirmation was pending, the Debtors filed a motion to

avoid the Irving Lien (the “Lien Avoidance Motion”). They argued that the

amount of the first mortgage lien exceeded the value of the Property,

which rendered the Irving Lien wholly unsecured and avoidable. The

bankruptcy court granted the Lien Avoidance Motion and provided that

the avoidance was effective upon “completion of the chapter 13 plan.”

The Debtors had great difficulty carrying out their plan. The trustee

filed fourteen motions to dismiss because the Debtors failed to make their

payments to the trustee. The Debtors modified their plan multiple times,

including extending the plan term from five years to seventy-eight

months.2

2 Under current law, the maximum duration of a chapter 13 plan is five years from the due date of the first plan payment. Section 1329(d) (which has since expired) 3 B. The trustee’s motion to dismiss

In May 2022, the trustee filed his notice of intent to file a final report,

indicating that the Debtors had made all of the required payments to the

trustee, that the prepetition arrears on the first mortgage had been paid in

full, and that the case was nearing its end. The Bank of New York Mellon

(“BNYM”), which had since acquired the first mortgage, responded that

the Debtors were $52,439.58 delinquent on their postpetition, direct

mortgage payments.

Shortly thereafter, the trustee filed a motion to dismiss the case (the

“Motion to Dismiss”). The trustee argued that, pursuant to Derham-Burk v.

Mrdutt (In re Mrdutt), 600 B.R. 72 (9th Cir. BAP 2019), and In re Evans, 543

B.R. 213 (Bankr. E.D. Va. Jan. 5, 2016), “direct payments made by a debtor

in a chapter 13 plan constitute ‘payments under the plan’ for purposes of

eligibility for discharge under . . . § 1328(a).” The trustee contended that the

failure to make those payments constituted a material default under the

plan.

The Debtors did not file an opposition to the Motion to Dismiss, but

Ms. Doling appeared at the hearing on the motion. She did not contest the

legal basis of the Motion to Dismiss but instead argued that a pending loan

modification would eliminate the postpetition mortgage arrears. The

allowed chapter 13 debtors who were experiencing financial hardship due to the COVID-19 pandemic to modify confirmed plans by (among other things) extending the life of the plan to seven years. 4 bankruptcy court granted her request for a four-week continuance to

resolve the matter with BNYM. It explicitly directed her to file a declaration

if the matter was not resolved prior to the hearing.

Ms. Doling ignored the court’s directive to file a declaration. But she

did file a local form document, “Debtor’s Certificate of Compliance Under

11 U.S.C. § 1328(a) and Application for Entry of Discharge,” for each of the

Debtors. She checked the box indicating: “I have completed all payments

required by my confirmed plan.” By the time she filed these papers for the

Debtors, Ms. Doling knew that the Debtors had not made their direct

mortgage payments, that the trustee and the court believed that dismissal

was appropriate because the plan required them to make those payments,

and that she had not argued otherwise.

At the second hearing, the Debtors had not cured the mortgage loan

default or filed the required declaration. Counsel for the trustee

represented that the mortgage servicer had approved a loan modification.

Ms. Doling apologized for not filing the declaration as directed by the

court, but she maintained her belief that BNYM would amend its response

to indicate that the Debtors were current on their direct payments and that

the trustee would withdraw the Motion to Dismiss.

The bankruptcy court expressed frustration with the case and

skepticism of Ms. Doling’s position.

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