Local Rule 4001-2: SECURED CREDITOR DUTIES
Bankr. E.D.N.C. — General rule
Rule 4001-2 SECURED CREDITOR DUTIES
(a) A secured creditor may send all payment coupons or statements of account that the creditor provides to its non-bankruptcy customers as follows:
(1) To chapter 7 debtors who have indicated, in their statement of intention, their intent to retain the secured creditor's collateral by complying with the terms of the contract.
(2) To chapter 13 debtors who have indicated in their proposed chapter 13 plan their intent to retain the secured creditor's collateral by complying with the terms of the contract.
(b) The transmission of the payment coupons or statements of account shall not violate the automatic stay or the debtor's discharge injunction.
(c) If a secured creditor, in its ordinary course of business, does not provide payment coupons and statements of account, then upon request by the debtor, that secured creditor shall provide the debtor with a telephone number or other means to access account information that would normally be provided by the payment coupons or statements of account
(d) A secured creditor shall respond promptly to a trustee or debtor's reasonable requests for account information.