Article: Bankruptcy by the numbers: Sources of variability in Chapter 13 performance

Lawyers, trustees and judges who work regularly with chapter 13 consumer cases understand the chapter's operation very well. The norms and practices in each judicial district have been thoroughly rehearsed by these participants, who repeat their parts of the chapter 13 process hundreds if not thousands of times each year. If one were to conduct surveys of satisfaction with the ways chapter 13 operates in the more than 90 judicial districts, we believe that the operations would receive generally favorable report cards from the local participants.

From a national perspective, the most noticeable feature of chapter 13 performance is its variability. There is great variance among districts in ...

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