Local Rule RULE 4001-3: CHAPTERS 12 AND 13 – OBTAINING CREDIT
Bankr. N.D.N.Y. — General rule
RULE 4001-3 CHAPTERS 12 AND 13 – OBTAINING CREDIT
(a) Application. The debtor shall make written application to the trustee for approval to incur any non-emergency consumer debt in excess of $1,500.00 that does not involve a material modification of the debtor's budget. The debtor shall not file the application.
(1) Trustee Approval. If approved by the trustee, the trustee shall file the approval and the application.
(2) Trustee Denial. If denied by the trustee, the debtor may file a motion to incur non-emergency consumer debt. The motion shall contain as an attachment the trustee's denial. If a motion is required, the motion shall be on notice to the trustee, the United States trustee, and all creditors.