Order Denying Debtor’s Late-Filed Motion to Continue the Automatic Stay [ECF No. SI]
JOHN K. OLSON, Bankruptcy Judge.
The automatic stay terminated in this case thirty days post-petition by operation of 11 U.S.C. § 362(c)(3)(A). The Debtor did not file a § 362(c)(3)(B) motion to continue the stay until ninety-four days post-petition. The Debtor now asks this court to use its equitable power under § 105(a) to impose the automatic stay nunc pro [912]*912tunc to the petition date. For the following reasons, the motion is denied.
Background
The Debtor filed a pro se Chapter 13 petition on October 8, 2010 which initiated Case No. 10-41685-RBR. That case was dismissed on November 5, 2010 with prejudice to refiling for 180 days because the Debtor did not file complete Chapter 13 schedules, a Chapter 13 plan, a statement of current monthly income, payment advices, or a credit counseling certificate.
On May 20, 2011, after the expiration of the first ease’s 180-day prejudice period, the Debtor filed a second pro se Chapter 13 petition which initiated this case. Because the Debtor’s first case was pending and dismissed during the year preceding this second case, the automatic stay of 11 U.S.C. § 362(a) went into effect on May 20, 2011 but, pursuant to § 362(c)(3)(A), was scheduled to expire thirty days thereafter. The Debtor did not file a motion to extend the automatic stay under § 362(c)(3)(B) and the stay expired on June 19, 2011.
On August 2, 2011, the Debtor retained counsel who filed a § 362(c)(3)(B) motion to continue the automatic stay on August 22, 2011. The motion was filed ninety-four days post-petition, twenty days after counsel was retained. Subsection (c)(3)(B) requires that such motions be noticed and heard within the first thirty days of case. For purposes of this motion, because the Debtor’s first case was dismissed for failure to file substantial documentation, this second case is presumptively not filed in good faith pursuant to § 362(c)(3)(C)(i)(II)(aa). The Debtor has not offered clear and convincing evidence to rebut this presumption under § 362(c)(3)(C).
Discussion
Bankruptcy Code § 362(a) creates a stay for “a broad range of actions against the debtor, property of the debtor, or property of the estate” when a bankruptcy petition is filed under 11 U.S.C. § 301, § 302, or § 303. In re Barr, 318 B.R. 592 (Bankr.M.D.Fla.2004). “It is well established that the stay created by § 362(a) is self-executing, or ‘automatic,’ upon the filing of the petition, and actions taken in violation of the stay are generally considered to be void.” In re Barr, 318 B.R. 592 (Bankr.M.D.Fla.2004). However, when a debtor has had a prior bankruptcy case dismissed within a year of a subsequent bankruptcy filing, a different result follows:
(c) Except as provided in subsections (d), (e), (f), and (h) of this section—
(3) if a single or joint case is filed by or against debtor who is an individual in a case under chapter 7, 11, or 13, and if a single or joint case of the debtor was pending within the preceding 1-year period but was dismissed, other than a case refilled under a chapter other than chapter 7 after dismissal under section 707(b)—
(A) the stay under subsection (a) with respect to any action taken with respect to a debt or property securing such debt or with respect to any lease shall terminate with respect to the debtor on the 30th day after the filing of the later case;
(B) on the motion of a party in interest for continuation of the automatic stay and upon notice and a hearing, the court may extend the stay in particular cases as to any or all creditors (subject to such conditions or limitations as the court may then impose) after notice and a hearing completed before the expiration of the 30-day period only if the party in interest [913]*913demonstrates that the filing of the later case is in good faith as to the creditors to be stayed ...”
11 U.S.C. § 362(c)(3) (emphasis added). The automatic stay is only effective for the first thirty days of the debtor’s second bankruptcy case when the first case was pending and dismissed within the previous year. To continue the stay beyond that initial 30-day period, a debtor must: “(1) file a motion for continuation; (2) there must be notice and a hearing on debtor’s motion; (3) the hearing must be completed within thirty days of the date of the petition; and (4) debtor must prove that the filing of the new case is in good faith.” In re Franzese, 2007 WL 2083650, *2-3, 2007 Bankr.LEXIS 2490, *5-6 (Bankr.S.D.Fla. July 19, 2007) (citing In re Garrett, 357 B.R. 128, 130 (Bankr.C.D.Ill.2006)); see also In re Toro-Arcila, 334 B.R. 224, 225-226 (Bankr.S.D.Tex.2005). “If the notice and hearing are not completed within this [30-day] period, the automatic stay terminates by operation of law pursuant to § 362(c)(3)(A).” Garrett, 357 B.R. at 131; see also Toro-Arcila, 334 B.R. at 226 (“Relief under § 362(c)(3)(B) may only be granted after notice and a hearing completed before the expiration of the 30-day period.”).
Because termination of the automatic stay on the 30th day of the second case could subject the bankruptcy estate to irreparable injury, some courts have used 11 U.S.C. § 105 to continue the stay even when a properly noticed hearing did not occur within the 30-day period of § 362(c)(3)(B). See Whitaker v. Baxter (In re Whitaker), 341 B.R. 336, 348 (Bankr.S.D.Ga.2006). In Whitaker, the debtor’s § 362(c)(3)(B) motion was not filed timely due to “inadvertence of counsel” and the stay terminated under subsection (c)(3)(A). The debtor’s assets became susceptible to creditor action, and the Whitaker court concluded that the balance of hardship weighed in the debtor’s favor. Because the debtor’s plan provided for a 100% dividend to unsecured creditors, and because the automatic stay was needed to ensure orderly repayment, the court relied on § 105(a) in reimpose the automatic stay as to all creditors. Id. at 341, 348 (“before they filed this [chapter 13] case, both debtors established steady employment [and] because the debtors’ plan provides a 100% dividend to unsecured creditors, imposing the stay will permit the orderly payment of claims in full”).
Utilizing the Whitaker analysis, Judge Ray identified three factors to address when determining whether § 105(a) may be properly used to override stay termination under § 362(c)(3)(A). See In re Franzese, 2007 WL 2083650, at *2-3, 2007 Bankr.LEXIS 2490, at *5-6 (Bankr. S.D.Fla. July 19, 2007) (citing Whitaker, 341 B.R. at 347). The factors are: (1) whether the filing by the debtor was in good faith; (2) the lack of objection by creditors; and (3) whether “... the inability to obtain a hearing date within the thirty day time frame was caused by the inadvertence of counsel.” Id. (citing Whitaker, 341 B.R. at 347). The
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Order Denying Debtor’s Late-Filed Motion to Continue the Automatic Stay [ECF No. SI]
JOHN K. OLSON, Bankruptcy Judge.
The automatic stay terminated in this case thirty days post-petition by operation of 11 U.S.C. § 362(c)(3)(A). The Debtor did not file a § 362(c)(3)(B) motion to continue the stay until ninety-four days post-petition. The Debtor now asks this court to use its equitable power under § 105(a) to impose the automatic stay nunc pro [912]*912tunc to the petition date. For the following reasons, the motion is denied.
Background
The Debtor filed a pro se Chapter 13 petition on October 8, 2010 which initiated Case No. 10-41685-RBR. That case was dismissed on November 5, 2010 with prejudice to refiling for 180 days because the Debtor did not file complete Chapter 13 schedules, a Chapter 13 plan, a statement of current monthly income, payment advices, or a credit counseling certificate.
On May 20, 2011, after the expiration of the first ease’s 180-day prejudice period, the Debtor filed a second pro se Chapter 13 petition which initiated this case. Because the Debtor’s first case was pending and dismissed during the year preceding this second case, the automatic stay of 11 U.S.C. § 362(a) went into effect on May 20, 2011 but, pursuant to § 362(c)(3)(A), was scheduled to expire thirty days thereafter. The Debtor did not file a motion to extend the automatic stay under § 362(c)(3)(B) and the stay expired on June 19, 2011.
On August 2, 2011, the Debtor retained counsel who filed a § 362(c)(3)(B) motion to continue the automatic stay on August 22, 2011. The motion was filed ninety-four days post-petition, twenty days after counsel was retained. Subsection (c)(3)(B) requires that such motions be noticed and heard within the first thirty days of case. For purposes of this motion, because the Debtor’s first case was dismissed for failure to file substantial documentation, this second case is presumptively not filed in good faith pursuant to § 362(c)(3)(C)(i)(II)(aa). The Debtor has not offered clear and convincing evidence to rebut this presumption under § 362(c)(3)(C).
Discussion
Bankruptcy Code § 362(a) creates a stay for “a broad range of actions against the debtor, property of the debtor, or property of the estate” when a bankruptcy petition is filed under 11 U.S.C. § 301, § 302, or § 303. In re Barr, 318 B.R. 592 (Bankr.M.D.Fla.2004). “It is well established that the stay created by § 362(a) is self-executing, or ‘automatic,’ upon the filing of the petition, and actions taken in violation of the stay are generally considered to be void.” In re Barr, 318 B.R. 592 (Bankr.M.D.Fla.2004). However, when a debtor has had a prior bankruptcy case dismissed within a year of a subsequent bankruptcy filing, a different result follows:
(c) Except as provided in subsections (d), (e), (f), and (h) of this section—
(3) if a single or joint case is filed by or against debtor who is an individual in a case under chapter 7, 11, or 13, and if a single or joint case of the debtor was pending within the preceding 1-year period but was dismissed, other than a case refilled under a chapter other than chapter 7 after dismissal under section 707(b)—
(A) the stay under subsection (a) with respect to any action taken with respect to a debt or property securing such debt or with respect to any lease shall terminate with respect to the debtor on the 30th day after the filing of the later case;
(B) on the motion of a party in interest for continuation of the automatic stay and upon notice and a hearing, the court may extend the stay in particular cases as to any or all creditors (subject to such conditions or limitations as the court may then impose) after notice and a hearing completed before the expiration of the 30-day period only if the party in interest [913]*913demonstrates that the filing of the later case is in good faith as to the creditors to be stayed ...”
11 U.S.C. § 362(c)(3) (emphasis added). The automatic stay is only effective for the first thirty days of the debtor’s second bankruptcy case when the first case was pending and dismissed within the previous year. To continue the stay beyond that initial 30-day period, a debtor must: “(1) file a motion for continuation; (2) there must be notice and a hearing on debtor’s motion; (3) the hearing must be completed within thirty days of the date of the petition; and (4) debtor must prove that the filing of the new case is in good faith.” In re Franzese, 2007 WL 2083650, *2-3, 2007 Bankr.LEXIS 2490, *5-6 (Bankr.S.D.Fla. July 19, 2007) (citing In re Garrett, 357 B.R. 128, 130 (Bankr.C.D.Ill.2006)); see also In re Toro-Arcila, 334 B.R. 224, 225-226 (Bankr.S.D.Tex.2005). “If the notice and hearing are not completed within this [30-day] period, the automatic stay terminates by operation of law pursuant to § 362(c)(3)(A).” Garrett, 357 B.R. at 131; see also Toro-Arcila, 334 B.R. at 226 (“Relief under § 362(c)(3)(B) may only be granted after notice and a hearing completed before the expiration of the 30-day period.”).
Because termination of the automatic stay on the 30th day of the second case could subject the bankruptcy estate to irreparable injury, some courts have used 11 U.S.C. § 105 to continue the stay even when a properly noticed hearing did not occur within the 30-day period of § 362(c)(3)(B). See Whitaker v. Baxter (In re Whitaker), 341 B.R. 336, 348 (Bankr.S.D.Ga.2006). In Whitaker, the debtor’s § 362(c)(3)(B) motion was not filed timely due to “inadvertence of counsel” and the stay terminated under subsection (c)(3)(A). The debtor’s assets became susceptible to creditor action, and the Whitaker court concluded that the balance of hardship weighed in the debtor’s favor. Because the debtor’s plan provided for a 100% dividend to unsecured creditors, and because the automatic stay was needed to ensure orderly repayment, the court relied on § 105(a) in reimpose the automatic stay as to all creditors. Id. at 341, 348 (“before they filed this [chapter 13] case, both debtors established steady employment [and] because the debtors’ plan provides a 100% dividend to unsecured creditors, imposing the stay will permit the orderly payment of claims in full”).
Utilizing the Whitaker analysis, Judge Ray identified three factors to address when determining whether § 105(a) may be properly used to override stay termination under § 362(c)(3)(A). See In re Franzese, 2007 WL 2083650, at *2-3, 2007 Bankr.LEXIS 2490, at *5-6 (Bankr. S.D.Fla. July 19, 2007) (citing Whitaker, 341 B.R. at 347). The factors are: (1) whether the filing by the debtor was in good faith; (2) the lack of objection by creditors; and (3) whether “... the inability to obtain a hearing date within the thirty day time frame was caused by the inadvertence of counsel.” Id. (citing Whitaker, 341 B.R. at 347). The Franzese order agreed with Whitaker’s holding that “making a party suffer because of the inadvertence of counsel is inequitable.” Id. at *3, 2007 Bankr.LEXIS 2490, at *7.
Applying the Whitaker/Franzese factor analysis to the facts of this case, the late-filed motion to continue the automatic stay cannot be granted. The Debtor’s first case was dismissed for failure to file substantial documentation such that this second case is presumptively not filed in good faith under § 362(c)(3)(C)(i)(II)(aa). The Debtor has not offered clear and convincing evidence to rebut this presumption under § 362(c)(3)(C), and the first Whitaker/Franzese factor accordingly weighs in favor of denying the motion. The second factor also weighs in favor of denying the [914]*914motion because this matter did not proceed on the Chapter 13 consent calendar without objection. And finally, the failure to obtain a hearing date within the first thirty days of this case was not due to the inadvertence of counsel. The Debtor did not hire counsel until long after the automatic stay terminated. The § 362(c)(3)(B) motion was filed ninety-four days post-petition and twenty days after counsel was retained. Subsection (c)(3)(B) requires that such motions be noticed and heard within the first thirty days of the second case. It appears that there is inadvertence of counsel here (by not filing the motion for twenty days after being retained), but counsels mistake is far overshadowed by the mistakes of his client. Congressional policy has determined that those mistakes are fatal.
Conclusion
While § 105(a) has been used by bankruptcy courts to ameliorate the harsh policy enacted in § 362(c)(3)(A), restraint must be shown when applying that equitable power. See In re Scrivner, 535 F.3d 1258, 1261 (10th Cir.2008). In Whitaker, Judge Dalis explained that “I do not employ § 105 lightly, but only to ‘prevent an abuse of process’ that is impermissibly severe.” Whitaker, 341 B.R. at 338. Applying the three Whitaker/Franzese factors to the facts of this case, the late-filed motion for continuation of the automatic stay cannot be granted. It is accordingly ORDERED that the Debtor’s late-filed motion to continue the automatic stay [ECF No. 31] is DENIED.