Mr. Herman is a certified bankruptcy mediator. He was trained under Bankruptcy Judge Thomas Baynes, (now retired) In an innovative pilot program in the Bankruptcy Court for the Middle District of Florida approximately 15 years ago. Prior to this pilot program there was no organized procedure for mediation in bankruptcy.
The pilot program was very successful and now bankruptcy mediation Is commonly available and widely utilized nationwide.
Mr. Herman is one of the original ten (10) mediators first trained to start this program.
In addition to the questions of monetary return through the bankruptcy case, there are other essential issues creditors may engage. Debtors can be ineligible for certain Chapters of bankruptcy. Their income and living expenses may disqualify them from eligibility for Chapter 7. There are specific dollar limits on the debt that may be reorganized in Chapter 13. Debts that have been incurred through forms of bad behavior such as fraud, theft, embezzlement, willful and malicious injury, and other such forms of behavior may not be subject to be proactive in effectively asserting this non-dischargeability.
