Firm Update No. 2024-03本所动态 2024-03 号
In re Chapter 7 Debtor, Case No. XXXX4863 (Bankr. E.D.N.Y.): Discharging a Personal Guaranty of an SBA Loan After a Trustee Inquiry第7章债务人一案（纽约东区破产法院，案号XXXX4863）：受托人调查后免除SBA贷款个人担保责任
- Practice领域
- Bankruptcy破产法
- Jurisdiction管辖
- U.S. Bankruptcy Court, E.D.N.Y.美国纽约东区破产法院
- Our role本所角色
- Counsel to the debtor债务人律师
- Status进展
- Discharge and final decree Apr. 10, 20242024年4月10日获得免除并结案
IFacts事实
The debtor had owned a small spa business and had personally guaranteed the company's U.S. Small Business Administration loan. When the business failed, the guaranty became the debtor's largest exposure, and the firm filed a Chapter 7 petition for the debtor individually. Before the § 341 meeting the trustee wrote to request a written explanation of, and 24 months of statements for, a bank account the trustee believed the debtor might hold. The meeting was adjourned to March 2024 at the trustee's request.债务人曾经营一家小型水疗店，并为公司的美国小企业管理局（SBA）贷款提供个人担保。生意失败后，该担保成为债务人最大的负债。本所以债务人个人名义提交第7章破产申请。第341条会议前，受托人去函要求债务人就其认为可能存在的一个银行账户作出书面说明，并提供24个月的对账单。应受托人要求，会议延至2024年3月。
IIQuestions Presented争议问题
(1) Is an owner's personal guaranty of an SBA loan dischargeable in the owner's individual Chapter 7 case, and what is the effect on the business? (2) How should a debtor respond when the trustee questions an account that may not appear in the schedules?（一）企业主为SBA贷款提供的个人担保，能否在其个人第7章案件中获得免除？对企业有何影响？（二）受托人质询可能未列入清单的账户时，债务人应如何回应？
IIIRelevant Law相关法律
11 U.S.C. §§ 521(a)(3)-(4), 524(a), 524(e), 727(a)(3), (a)(5): debtor's duty to cooperate; discharge injunction; co-obligor liability; failure to keep records; unexplained loss of assets11 U.S.C. §§ 521(a)(3)-(4), 524(a), 524(e), 727(a)(3), (a)(5)：债务人配合义务；免责禁令；共同债务人责任；未保存账簿记录；资产损失无合理解释
Fed. R. Bankr. P. 4004: objection to discharge; bar date; entry of dischargeFed. R. Bankr. P. 4004：免责异议；异议期限；免责令的签发
In re Chalasani, 92 F.3d 1300 (2d Cir. 1996): denial of discharge as extreme remedy; strict construction against objector; liberal construction in favor of debtorIn re Chalasani, 92 F.3d 1300 (2d Cir. 1996)：拒绝免责为极端救济；对异议方严格解释；对债务人从宽解释
IVDisposition结果
The court entered the order discharging the debtor and the final decree on April 10, 2024, and the case was closed.法院于2024年4月10日裁定免除债务人债务并发出终结令，案件已结案。
Client details are withheld to protect confidentiality. Prior results do not guarantee a similar outcome.为保护客户隐私，相关信息已隐去。过往结果不保证类似案件的结果。