In re: Mack McKinley Hunt, III

CourtUnited States Bankruptcy Court, S.D. New York
DecidedDecember 27, 2025
Docket25-11694
StatusUnknown

This text of In re: Mack McKinley Hunt, III (In re: Mack McKinley Hunt, III) is published on Counsel Stack Legal Research, covering United States Bankruptcy Court, S.D. New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
In re: Mack McKinley Hunt, III, (N.Y. 2025).

Opinion

UNITED STATES BANKRUPTCY COURT NOT FOR PUBLICATION SOUTHERN DISTRICT OF NEW YORK ---------------------------------------------------------------x In re: : : Mack McKinley Hunt, III, : Case No. 25-11694 (JPM) : Chapter 7 Debtor. : ---------------------------------------------------------------x

MEMORANDUM DECISION AND ORDER DENYING MOTION TO VACATE ORDER DISMISSING CHAPTER 7 CASE

A P P E A R A N C E S :

MACK MCKINLEY HUNT, III Pro Se Debtor 1990 Lexington Ave., Apt. 26B New York, NY 10035

UNITED STATES TRUSTEE Alexander Hamilton Custom House One Bowling Green, Room 534 New York, NY 10004-1408 By: Andrea Schwartz

HON. JAMES L. GARRITY, JR. U.S. BANKRUPTCY JUDGE

INTRODUCTION1 Mack McKinley Hunt III (“Movant”) formerly was a pro se chapter 7 debtor herein. On November 6, 2025, the Court issued an order (the “Dismissal Order”)2 granting the United States Trustee’s (the “UST”) unopposed motion to dismiss the case (the “Motion to Dismiss”).3 The

1 Capitalized terms have the meanings ascribed to them herein. References to “ECF No. __” are references to documents filed on the electronic docket in the Chapter 7 Case, No. 25-11694. 2 Order Dismissing Chapter 7 Case, ECF No. 21. 3 Motion for (1) Dismissal of Chapter 7 Case, or, Alternatively, (2) Directing Debtor to Appear at Meeting of Creditors and Extending Time to Object to Debtor’s Discharge and Dischargeability of Debts, ECF No. 12. matter before the Court is Movant’s motion pursuant to Rule 60(b)(1) and (6) of the Federal Rules of Civil Procedure (“Rule 60”)4 to vacate the Dismissal Order, reinstate Movant’s bankruptcy case (the “Chapter 7 Case”), and restore the automatic stay (the “Amended Motion” or “Am. Mot.”).5 Movant filed a declaration in support of the Amended Motion.6 Movant also requests the Court to waive or defer payment of the reopening fee. The UST filed an objection to the Amended Motion

(the “Objection”).7 On December 23, 2025, the Court held a hearing on the Amended Motion. The UST appeared through counsel. Movant did not appear at the hearing.8 At the hearing, the UST rested on his papers. The Court will resolve the matter based on the parties’ papers. For the reasons discussed herein, the Court denies Movant’s request to vacate the Dismissal Order. The Court need not address the balance of Movant’s requests for relief in the Amended Motion. BACKGROUND

On July 31, 2025 (the “Petition Date”), Movant filed a voluntary petition for relief under chapter 7 of the Bankruptcy Code (the “Petition”).9 Movant filed the Petition without Schedules. On July 31, 2025, the Court issued a deficiency notice, among other things, advising Movant that pursuant to the automatic dismissal provisions of section 521(i) of the Bankruptcy Code, his case

4 With certain exceptions/modifications, Rule 9024 of the Federal Rules of Bankruptcy Procedure (“Bankruptcy Rule 9024”) makes Rule 60 applicable herein. See Fed. R. Bankr. P. 9024. 5 Amended Short-Form Motion to Vacate Dismissal, Reinstate Case, and Restore Automatic Stay, ECF No. 28. 6 Declaration of Excusable Neglect Regarding Late Service, ECF No. 29. 7 United States Trustee’s Objection to Debtor’s Amended Shortform Motion to Vacate Dismissal, Reinstate Case, and Restore Automatic Stay, ECF No. 30 8 Later that day, Movant advised Chambers that he mistakenly registered for a December 26, 2025 hearing. The Court did not schedule a hearing in this case for December 26. 9 Chapter 7 Voluntary Petition for Individuals, ECF No. 1. could be dismissed if he didn’t file the appropriate papers within 46 days of commencement of his case (here, September 15, 2025), including: • Statement of Your Current Monthly Income (Official Form 122A−1) due August 14, 2025; • Declaration About an Individual Debtor’s Schedules (Official Form 106Dec) due August 14, 2025; • Schedule A/B: Property (Official Form 106A/B) due August 14, 2025; • Schedule C: The Property You Claim as Exempt (Official Form 106C) due August 14, 2025; • Schedule D: Creditors Who Hold Claims Secured by Property (Official Form 106D) due August 14, 2025; • Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F) due August 14, 2025; • Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G) due August 14, 2025; • Schedule H: Your Codebtors (Official Form 106H) due August 14, 2025; • Schedule I: Your Income (Official Form 106I) due August 14, 2025; • Schedule J: Your Expenses (Official Form 106J) due August 14, 2025; • Statement of Intention due August 14, 2025; • Statement of Financial Affairs due August 14, 2025; • Summary of Assets and Liabilities due August 14, 2025; (collectively, the “Schedules”).10 Movant failed to file the Schedules. On the Petition Date, Alan Nisselson (the “Trustee”) was appointed as interim trustee of Movant’s estate, and the section 341(a) meeting of creditors (the “341(a) Meeting”) was scheduled to be held on September 11, 2025.11 Movant received notice of the 341(a) Meeting, but failed to appear at the meeting. On September 17, 2025, the UST filed the Motion to Dismiss. In it, the UST sought an order dismissing the Chapter 7 Case or, in the alternative, directing Movant to appear at the 341(a) Meeting, and extending time to object to discharge. Motion to Dismiss at 2. In support of the

10 See Deficiency Notice, ECF No. 7. 11 Notice of Chapter 7 Bankruptcy Case, ECF No. 4. motion, the UST annexed an affirmation of the Trustee (the “Trustee Affirmation”).12 In part, the Trustee stated (i) “[Movant] failed to appear and submit to examination at the initial Bankruptcy Code § 341(a) meeting of creditors on September 11, 2025, as required by Bankruptcy Code § 343,” and (ii) “[t]o date, [Movant] has not appeared at a Bankruptcy Code § 341(a) meeting of creditors and has not been examined by the Trustee.” Trustee Affirmation ¶¶ 3-4.

On October 1, 2025, while the Motion to Dismiss was pending, Westlake Financial Services (“Westlake”) filed a motion for relief from the automatic stay (the “Stay Relief Motion”),13 essentially seeking leave to repossess a 2018 Jeep Compass (the “Jeep”). The return date of the Stay Relief Motion was November 13, 2025. On October 28, 2025, Movant filed a motion pursuant to section 362(k) of the Bankruptcy Code for sanctions against American Airlines Federal Credit Union (“AAFCU”) for alleged violations of the automatic stay (the “Sanctions Motion”).14 Movant argued that on October 28,

2025, while on notice of the Chapter 7 Case, AAFCU willfully violated the automatic stay when it repossessed a 2017 Dodge Durango (the “Dodge”). Sanctions Motion ¶¶ 3, 6. Movant sought return of the Dodge, and payment of $12,500 in actual and punitive damages. Id. ¶¶ 7-8. On November 3, 2025, Movant opposed the Stay Relief Motion (the “Stay Relief Opposition”).15 He asked the Court to deny the Stay Relief Motion, order Westlake to produce all documents, records, and photographs related to the repossession of the Jeep, direct Westlake to

12 Affirmation in Support of Trustee’s Motion for (I) Dismissal of Case for Cause for Debtor’s Failure to Attend and be Examined at a Bankruptcy Code § 341(a) Meeting of Creditors, and (II) Pending a Hearing in this Matter, an Extension of Time to Object to Discharge of Debtor, ECF No. 12-2. 13 Motion for Relief from Automatic Stay Pursuant to 11 U.S.C. §362(d)(1), ECF No. 15.

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