IN RE Elda C. ROMERO and Luis Romero-Banda, Debtors [2015]

539 B.R. 557 · United States Bankruptcy Court, E.D. Wisconsin · United States

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Issue

What Bankruptcy Law issue does the source record raise, and how should a student verify the rule, holding, and factual trigger from the linked opinion?

Held

Source-linked holding checkpoint: the search record does not safely provide the full dispositive holding. Confirm the judgment in the linked source before using this case as controlling authority.

Exam use

In an exam or course outline, do not cite this case from memory. Open the source URL, confirm the holding, and write a one-sentence rule in your own words. Then add the material facts and one contrast case. If the issue is only loosely connected to Bankruptcy Law, treat it as a research lead rather than a core authority. This prevents hallucinated citations and helps you build a defensible case bank for revision.

Summary

IN RE Elda C. ROMERO and Luis Romero-Banda, Debtors is a source-linked LawConquer case brief checkpoint for Bankruptcy Law. The verified public record identifies the case name, citation or docket reference, court, filing date, and source URL. The source excerpt states: DECISION AND ORDER SUSTAINING WELLS FARGO'S OBJECTION TO CONFIRMATION Susan V. Kelley, Chief United States Bankruptcy Judge Under Bankruptcy Code § 1325(a)(5)(B)(iii)(I), the holders of certain secured claims are. entitled to receive "equal monthly payments." Wells Fargo Bank, N.A. d/b/a Wells Fargo Dealer Services ('Wehs Fargo") holds such a claim. The Debtors' Chapter 13 plan proposes to pay post-confir Students should use this record to locate the original opinion and confirm the precise holding before relying on it in formal work. For exam revision, the case is useful as an authority-finding and issue-mapping prompt within Bankruptcy Law.

Facts

The verified metadata places IN RE Elda C. ROMERO and Luis Romero-Banda, Debtors before United States Bankruptcy Court, E.D. Wisconsin. Filed 2015-10-09. Docket/reference: Case No. 15-26763-svk. Judge or panel signal: Kelley. The available source excerpt is limited, so this brief does not invent party background, evidential details, or disputed facts beyond the public record. Instead, candidates should open the linked source, identify the operative facts, and note which facts the court treated as legally material. In revision, record the parties, transaction or dispute type, procedural posture, and the facts that triggered the doctrinal issue in Bankruptcy Law.

Procedural History

The source record links this matter to United States Bankruptcy Court, E.D. Wisconsin and provides the public case page or downloadable opinion. The excerpt does not always disclose every lower-court step, so students should verify appeals, motions, and remands in the source before citing the procedural history.

Issue

What Bankruptcy Law issue does the source record raise, and how should a student verify the rule, holding, and factual trigger from the linked opinion?

Held

Source-linked holding checkpoint: the search record does not safely provide the full dispositive holding. Confirm the judgment in the linked source before using this case as controlling authority.

Ratio Decidendi

Use this case as a source-verified research checkpoint rather than an invented rule statement. The ratio should be extracted from the linked opinion by identifying the legal test applied, the facts treated as decisive, and the court's stated reason for the outcome.

Reasoning

For reasoning, begin with the court, date, docket or citation, and source excerpt. Then read the linked opinion and separate the rule, application, policy rationale, and remedy. This record is useful for building a case table because it supplies a real authority with a public source, but it should not be treated as a complete doctrinal summary until the judgment has been checked. In Bankruptcy Law, compare the verified reasoning with adjacent authorities and flag whether the court was applying settled law, distinguishing earlier cases, or resolving a procedural point.

Plain-English Explanation

Think of this entry as a verified doorway into the case. LawConquer has confirmed the case exists in a public legal database and has captured the searchable metadata. Your job as a candidate is to read the source, extract the rule, and decide whether it belongs in your answer. That workflow is slower than memorising a quote, but it is much safer for exams, coursework, and interviews.

Essay-Ready Explanation Generator

Version 1 of 4

Reference to IN RE Elda C. ROMERO and Luis Romero-Banda, Debtors (539 B.R. 557) strengthens a Bankruptcy Law answer because the case reflects the principle that Use this case as a source-verified research checkpoint rather than an invented rule statement. The ratio should be extracted from the linked opinion by identifying the legal test applied, the facts treated as decisive, and the court's stated reason for the outcome. Applied to a problem question, the case should be used after identifying the issue as What Bankruptcy Law issue does the source record raise, and how should a student verify the rule, holding, and factual trigger from the linked opinion? The stronger essay move is to connect the material facts to the court's holding, then explain whether the present facts support the same conclusion or justify distinguishing the authority.

Underlying Concepts

  • bankruptcy-law
  • Bankruptcy Law
  • source verification
  • case research
  • exam authority table

Key Passages

  • Verify exact wording in the linked source.

Significance

IN RE Elda C. ROMERO and Luis Romero-Banda, Debtors helps students practise source-led case research in Bankruptcy Law. Its value is that the case is tied to a real public record, so the student can verify the citation, court, and text instead of relying on unsourced summaries. Use it to expand a revision table, locate related authorities, and decide whether the case is central, illustrative, procedural, or merely background authority for the topic.

Related Cases

No related cases listed.

Exam Tips

In an exam or course outline, do not cite this case from memory. Open the source URL, confirm the holding, and write a one-sentence rule in your own words. Then add the material facts and one contrast case. If the issue is only loosely connected to Bankruptcy Law, treat it as a research lead rather than a core authority. This prevents hallucinated citations and helps you build a defensible case bank for revision.

Revision Checklist

  • Name the issue before discussing facts so the marker sees the legal question immediately.
  • State the holding in one sentence, then use the ratio to explain why the court reached that result.
  • Use the citation and jurisdiction to show why this authority matters for the problem you are answering.
  • Pair this case with one supporting or contrasting authority if the question tests limits, policy, or exceptions.

Problem Question Use

Use this case in a problem question only after confirming the full judgment. If the verified holding matches the fact pattern, state the rule, apply the facts, and explain any limits. If the source shows a procedural or specialist point, use it to support jurisdiction, standard of review, remedy, or evidential analysis rather than a broad substantive proposition.

Common Pitfalls

  • Citing the case without reading the linked source
  • Treating a thin search excerpt as a full holding
  • Ignoring jurisdiction and procedural posture

Sources