Opinion
No. 10-15198-BKC-JKO.
04-02-2010
In re Michael S. PATASNIK, Debtor.
Michael S. Patasnik, Raiford, FL, pro se.
Michael S. Patasnik, Raiford, FL, pro se.
ORDER: (1) Finding That Incarceration Is Not A "Disability" under 11 U.S.C. § 109(h)(4); (2) Extending Deadline to Obtain Credit Counseling to April 15, 2010; (3) Directing Prison Authorities to Give Debtor Limited Telephone or Internet Access
JOHN K. OLSON, Bankruptcy Judge.
On March 1, 2010, Michael S. Patasnik filed a Chapter 13 Voluntary Petition which, in Exhibit D, requested waiver of the 11 U.S.C. § 109(h)(1) credit counseling requirement because he is incarcerated and cannot "call out." See DE 1, at 5. A hearing was conducted on March 31, 2010 to determine whether incarceration renders Mr. Patasnik "so physically impaired as to be unable, after reasonable effort, to participate in an in person, telephone, or Internet briefing" developed by BAPCPA to counsel bankrupts to trim budgets rather than file for bankruptcy protection. See § 109(h)(1), (h)(4). I took the matter under advisement.
While a common sense understanding of the language of § 109(h)(4) might lead one to conclude that incarceration (in a facility which restricts telephone and internet access) renders a prisoner "so physically impaired as to be unable, after reasonable effort, to participate in an in person, telephone, or Internet briefing" — the overwhelming majority of courts have held that incarceration does not excuse a debtor from the § 109(h)(1) credit counseling requirement. See, e.g., In re Anderson, 397 B.R. 363 (6th Cir. BAP 2008); In re Denger, 417 B.R. 485 (Bankr.N.D.Ohio 2009); In re Larsen, 399 B.R. 634 (Bankr. E.D.Wis.2009); In re Hubel, 395 B.R. 823 (N.D.N.Y.2008); In re Goodwin, Case No. 08-82704, 2009 Bankr.LEXIS 1362 (Bankr. N.D.Ga. Mar. 11, 2009); In re Cox, Case No. 07-10787-JDW, 2007 WL 4355254, 2007 Bankr.LEXIS 4162 (Bankr.M.D.Ga. Nov. 29, 2007). One of the key facts in Anderson was that the prisoner could obtain a court order directing prison officials to allow a telephone call to a credit counseling agency. Anderson, 397 B.R. at 367. I therefore conclude that my discretion is limited to giving Mr. Patasnik such a court order and extending the deadline to April 15, 2010. See § 109(h)(3).
It is therefore ORDERED that:
(1) Mr. Patasnik is not excused from the § 109(h)(1) credit counseling requirement because incarceration is not a "disability" under § 109(h)(4);
(2) the deadline to obtain the required credit counseling is now April 15, 2010;
(3) prison officials holding Michael S. Patasnik are directed to give Mr. Patasnik limited telephone or internet
access so that Mr. Patasnik may complete his required credit counseling course no later than April 15, 2010.