The Consumer Bankruptcy Fee Study: Final Report

176 Pages Posted: 21 Aug 2012

See all articles by Lois R. Lupica

Lois R. Lupica

University of Maine School of Law

Date Written: December 1, 2011


The Consumer Fee Study’s primary objective is to identify and monetize these costs of bankruptcy access through the analysis of quantitative and qualitative data gathered from court dockets and from professionals working within the bankruptcy system. We began the quantitative section with the hypothesis that following BAPCPA’s enactment, the cost of accessing the consumer bankruptcy system increased. We set out to determine the degree of increased costs, as well as to identify the specific policies and practices affecting these costs. Additionally, we endeavored to evaluate, with specificity, how diverse local procedures and guidelines impact the system’s processes and outcomes. Our focus throughout the Study was on the consumer bankruptcy system and its principal stakeholders. Until now, empirical study of BAPCPA’s impact has focused primarily on the system’s demand side, gathering and analyzing financial and sociological data with respect to debtor households. The effect of BAPCPA on debtors, however, cannot be fully assessed without an examination of the architecture that surrounds a consumer’s decision to file, coupled with an account of the complexity of factors that inform and influence the consumer’s experience in the bankruptcy system. This Study addresses issues related to the institutional framework of consumer bankruptcy by not only measuring and monetizing the cost of access, but by also examining the incentives and constraints imposed by the system.

Keywords: consumer bankruptcy, costs, attorney fees, Chapter 13 trustees, Chapter 7 trustees, panel trustees, empirical, debtor's counsel, cost of access, conusmer bankruptcy system, chapter 13, chapter 7, qualitative study, quantiative study, focus groups, survey instruments, no-look fees, presumptive fees

Suggested Citation

Lupica, Lois R., The Consumer Bankruptcy Fee Study: Final Report (December 1, 2011). Available at SSRN: or

Lois R. Lupica (Contact Author)

University of Maine School of Law ( email )

246 Deering Avenue
Portland, ME 04102
United States

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