even though the debtor might get "investigated" for fraud, if they get subjected to an AP without good reason, whoever filed the AP pays the debtor's attorney's fees. that means that creditors have to be extremely careful before they decide to file against a debtor because they have more to lose than the debt itself. so unless they have hard proof of fraud, which is very difficult to have even when there *is* fraud (see how long it took to catch madoff??), they would never file. so i think that protects the debtor from unfair objections by the creditors.
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I am in complete shock......
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