Christopher C. Carr

I am a Federally designated Debt Relief Agency Attorney, with experience in Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Mortgage Modification, Debt Settlement, Fair Debt Collection/Debtors Rights. I also work in Small Business, Intellectual Property (including software licensing and entertainment law) and Elder Law.

I take a compassionate view on all problems presented to me and many of my clients past and present have become personal friends.

I am also an MBA with several years of practical experience as a Financial Planning Analyst with the NCR Corporation and this background provides me with unique insights into the economics of law which most attorneys simply do not have.

Pennsylvania State University - Great Valley

CERT/MIS (2000) | Mgmt. of Information Systems

1998 - 2000

Post MBA Certificate

Ohio State University - Columbus

J.D.

1976 - 1980

Ohio State University - Columbus

MBA | Finance

1979 - 1980

Honors: Beta Gamma Sigma

Ripon College

B.A. | Philosophy

Honors: Phi Beta Kappa

Boston University

Corporate Counsel & Secretary

1991 - 1998

Sanchez Computer Assoc. Malvern, PA (merged into Fiserv Corp.) A worldwide provider of integrated e-commerce financial services. ? Developed, reviewed, negotiated, and drafted comprehensive software contracts for global banks and other financial institutions worldwide. ? Closed $5-15MM licensing and services deals with Banker’s Trust Company, Sumitomo Bank, and the Federal Home Loan Bank of Pittsburgh. ? In course of a single year, structured and negotiated legal/contractual aspects of 10 or more licensing/services packages with banking organizations in eight countries, including Citibank and ING Direct Bank Canada, for core retail and Internet bank production system, each worth $5-15MM. ? Ensured positioning for late-1996 initial public offering (IPO) by resolving several highly sensitive contractual disputes with customers on three continents. ? Formed master relationship agreements and deal-specific arrangements with strategic partners, including IBM, DEC, HP & Oracle,.

Cert/MIS

Penn State University

Inductee

wHO'S wHO IN AMERICA SINCE 2022

2022

Selected for Inclusion

Lawyers of Excellence

2022

iNDUCTEE

wHO'S wHO IN aMERICAN lAW SINCE 1990

1990

iNDUCTEE

wHO'S wHO IN THE EAST SINCE 1990

1990

Outstanding Employee Oscar

NCR Corp.

1984

Shared wit boss: Paul Thurman for work on USPS Automation Project.

Pennsylvania State Bar  # 46249

Member

Current

Ohio

Since 1991

Pennsylvania

Since 1994

3rd Circuit

Since 1996

• Credit Cards Accepted

Q. Im in my 4th year of a chapter 13 & plan & arrears on mortgage are current. can i keep my escrow surplus check?

April 29, 2012

A: Dear Reader: Since you are four years into the plan, it is obvious that the overpayment is a post petition asset. This being so, it is derived from property of the bankruptcy estate and your post-petition income. That income constitutes property of the estate under 11 U.S.C. § 1306(a)(2).

The question which then arises is "who is entitled to the property interest so created: the Trustee or you?" 11 U.S.C. § 1306(b)makes it quite clear that unless otherwise treated in your confirmed plan (unlikely), you as the debtor in possession are entitled to the property.

Should you consult legal counsel or the standing trustee to assist you with this matter?. Well, it is always your choice to do so but were I you, I would not: the former course would involve payment of legal fees to get to the same answer as above and the latter is at best unnecessary.

Your hard earned money funded the escrow in the first place so now enjoy the refund! ... Read More