BANKRUPTCY IN FLINT MI, BANKRUPTCY LAWYER TERRY BANKERT 235-1970

The Bankruptcy laws are on the books to protect you. Wall Street and the big banks got their bailout Chapter Seven Bankruptcy is yours. Call Flint Bankruptcy Lawyer Terry Bankert 235-1970

There are times when the economy is just too hard on us and we need a debt attorney.
http://attorneybankert.com

1. BANKRUPTCY FACTOID-In re Unruh, 2008 WL 341465 (5th Cir 2008):
2. “For purposes of denying an amended exemption, bad faith may be shown by a gross and deliberate understatement of the value of an asset, made in an attempt to deceive creditors or the bankruptcy court. See also In re Hannigan, 409 F.3d 480, 484 (1st Cir.2005) (affirming a finding of bad faith where debtor had intentionally undervalued property by listing value for only one of two parcels); In re Bauer, 298 B.R. 353, 356 (8th Cir.BAP2003) (affirming a finding of bad faith where debtors substantially undervalued their home in schedules).”

Terry Bankert is a Flint Bankruptcy Attorney that offers a free first appointment to talk about your needs.

http://terrybankert.blogspot.com

1. BANKRUPTCY FACTOID-In re McLain, 2008 WL 274403 (5th Cir 2008):
2. “Chapter 7 debtors who allegedly failed to disclose funds on hand when bankruptcy petition was filed and then used funds, or portion of funds, to make first premium payment on life insurance policy could not belatedly claim undisclosed funds as exempt, to prevent trustee from reaching policy proceeds for benefit of estate.”

There are many debt attorneys. There are few that offer our level of servcie.
http://dumpmycreditors.wordpress.com

1. BANKRUPTCY FACTOID-In re McKain, 325 B.R. 842, 851 (Bankr. D. Neb. 2005):
2. “Both the debtor and her attorney share the responsibility for the current situation. They each had a duty to make sure the schedules and statement of financial affairs were correct, and they each dropped the ball. This issue takes on even greater significance in light of the Bankruptcy Abuse Prevention & Consumer Protection Act of 2005, most of which takes effect in October 2005. Under the provisions of the new law, counsel’s signature on a petition constitutes a certification that the attorney has no knowledge, after an inquiry, that the information in the schedules filed with the petition is incorrect. 11 U.S.C. §707(b)(4)(D). Attorneys may be subject to assessment of a civil penalty for signing a document without conducting a reasonable inquiry into the underlying facts. §707(b)(4)(B).

The Flint Bankruptcy Court is located downtown.
http://goodmorningflint.blogspot.com

1. BANKRUPTCY FACTOID-In re Gutierrez, 356 B.R. 496 (Bankr. N.D. Cal. 2006) (attorney violated provision of the BAPCPA by failing, within three days after meeting with debtor-client to discuss possibility of filing bankruptcy petition, to provide debtor-client with Bankruptcy Truthfulness Notice.” Accordingly, disgorgement of fees was ordered.)

You may not find free attorney. But a good office will provide you with information to help you decide on Bankruptcy.
http://occupyflintlegal.wordpress.com

1. BANKRUPTCY FACTOID-In re Gordon, 2008 WL 2901583 at *3 (Bankr. D. Md. 2008) (The debtor’s attorney has a duty “that the [debtor’s] papers were to the best of Counsel’s knowledge, information and belief formed after an inquiry reasonable under the circumstances.”).

Terry Bankert is one of the bankruptcy lawyers in Flint Michigan
http://yoursocialmediasolution.com

1. BANKRUPTCY FACTOID-In re Barrows, 399 B.R. 506 (Bankr. D. Minn. 2009), aff’d, Barrows v. Christians (In re Barrows), 408 B.R. 239 (B.A.P. 8th Cir. 2009) (Trustee objected to debtors’ claim of exemption for money in checking account. Although the debtors knew they had $13,900 in the account they scheduled only $325. The court held the debtors acted in bad faith when they knowingly understated their accounts. The omissions were false and material and bar the exemption of the funds. The court found that neither the debtors nor their attorney made any attempt to ensure the schedules were accurate. Debtors bear an independent duty to provide accurate and complete information whether or not they have been assisted by counsel in preparing schedules. However, the court went on to find that the debtors’ attorney clearly contributed to the problem and could have avoided it. The attorney failed to ask the debtors questions that would have elicited the correct information, failed to verify the account balances and failed to stress the need to disclose changes to their financial situation. The attorney also allowed weeks to pass before filing. The attorney should have asked but ultimately the responsibility to be accurate falls on the debtors. )

If  you have additional questions please call 235-1970 or contact through http://attorneybankert.com

http://goodmorningflint.blogspot.com/

Chapter 7 Bankruptcy in Divorce 235-1970

How the the court decides to Dismiss or Convert your chapter seven.

DID YOU KNOW   11 USC 707 authorizes the dismissal or conversion of a Chapter 7 case under certain circumstances.

Posted here by Flint Bankruptcy Attorney Terry Bankert 235-1970. See Http://www.attorneybankert.com

YOU MUST FILE YOUR DOCUMENTS

In general, a case may be dismissed or converted for cause under 11 USC 707(a), which may include failure to file documents in a timely manner, undue delay that is prejudicial to creditors, failure to pay statutory fees, or for abuse. See In re Zick, 931 F2d 1124 (6th Cir 1991).

IF YOU ABUSE THE SYSTEM YOUR BANKRUPTCY COULD BE DISMISSED.

The  court may also dismiss a bankruptcy case under 11 USC 707(b) if the case would be “an abuse of the provisions” of Chapter 7 and if the debtor’s obligations are primarily consumer debts.

THE BANKRUPTCY COURTY WILL TEST TO SEE IF YOU HAVE THE MEANS TO PAY YOURS BILLS.

The Bankruptcy Code contains an elaborate formula to determine whether a case is presumptively abusive, brought in by the Bankruptcy Reform Act of 2005, called the means test. 11 USC 707(b). The test is applied only if the debtor’s current monthly income, as defined in 11 USC 101, is above the safe harbor provision set forth in 11 USC 707(b)(7).

USING THEIR FORMULA IF YOUR NET INCOME IS TOO HIGH THE COURT WILL PRESUME YOUR FILING IS AN ABUSE OF DISCRETION.

 If it is, the debtor must perform a complicated set of calculations to determine whether the debtor’s income, minus certain standardized expense deductions, is above a certain threshold. If so, the case is presumed to be an abuse.

THE BANKRUPTCY TRUSTEE IS LOOKING TO MAKE SURE YOUR NET INCOME IS BELOW THE MEDIAN AMOUNT FOR A FAMILY YOUR SIZE.

 However, if the debtor’s income is less than the median income for a family the size of the debtor’s, the debtor meets the safe harbor provision and does not need to perform the means test calculations. Similarly, if the debtor’s debts are primarily business debts, the debtor need not perform the means test calculations.

HIGH INCOME WILL FORCE YOU FROM  CHAPTER 7 INTO CHAPTER 13

This test is designed to keep filers with higher incomes from filing Chapter 7 and instead force them into Chapter 13. The idea was to restrict access to Chapter 7 liquidations to those who are truly unable to pay their debts and to require people who have the ability to repay their debts to do so.

11 USC 707(b)(3) may be used to dismiss a case even if a debtor is found to be eligible for relief under 11 USC 707(b)(2)—the means test. In essence, if the court believes that it would be an abuse of the Bankruptcy Code to grant the debtor relief under Chapter 7, it may deny such relief under this provision.

Michigan Family Law ch 17 (Hon. Marilyn J. Kelly et al eds, ICLE 7th ed 2011), at
http://www.icle.org/modules/books/chapter.aspx/?lib=family&book=2011553510&chapter=17
(last updated 12/16/2011).

FLINT BANKRUPTCY CREDITOR OBJECTION JUDGES OPINION, 810-235-1970

OPINION SUSTAINING CREDITOR’S OBJECTION TO CONFIRMATION

The matter before the Court is Evangelical Christian Credit Union’s Objection to

Debtor’s Second Amended Combined Plan and Disclosure Statement (Docket No. 66). For the

indicated reasons, the Creditor’s Objection is sustained.

I. BACKGROUND

Christian Love Fellowship Ministries, International (“Debtor”) filed its Chapter 11

bankruptcy petition on November 12, 2010. On May 25, 2011, Debtor filed its Second Amended

Combined Plan and Disclosure Statement (Docket No. 61) and on May 27, 2011, the Court

entered an Order Granting Preliminary Approval (Docket No. 63) of such. On July 5, 2011,

Evangelical Christian Credit Union (“ECCU”) filed an Amended Objection to Debtor’s proposed

Plan (Docket No. 68). The Court held a confirmation hearing on July 7, 2011, at which it heard

that objection.

Debtor’s Plan is confirmable except for ECCU’s objection, which relates to its

classification in the Plan. ECCU holds mortgages on Debtor’s properties located at 1601

Stamford Road, Ypsilanti, Michigan and 3936 Palisades Boulevard, Ypsilanti, Michigan, with

reference to which it filed a secured proof of claim for $4,139,966.49. The secured portion of

ECCU’s debt is treated in the plan in a manner that payments thereon, slightly in excess of

accruing interest, would be paid monthly for five years, at which time the entire balance will

become due and payable – it being Debtor’s expectation that it will be able to refinance at that

time, notwithstanding the fact that the principal balance of the secured debt will be fairly close to

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what it is today. The unsecured portion of ECCU’s claim, representing its deficiency claim, is

approximately $2,671,966.49.

Debtor’s Plan contemplates the availability of $250,000 to be paid to all unsecured

creditors over the five-year life of the plan. Debtor classified the unsecured creditors as follows:

(1) Class II – all unsecured creditors other than ECCU, and (2) Class III – the unsecured

deficiency claim of ECCU. As originally filed, Debtor’s Schedule F listed some 20 unsecured

creditors, most, if not all of which could be called trade creditors, whose claims total $73,462.28.

On Debtor’s Schedule F, included in that group of unsecured creditors was a single claim of JP

Morgan Chase Bank covering an unsecured line of credit of $42,400.59. The post claims filing

deadline claims register shows eight filed claims, two of which are the secured claim of ECCU

and a secured claim filed by JP Morgan Chase Bank, and the remaining six claims are unsecured

and are essentially those of trade creditors, such as a lawn service provider, phone systems, and a

pest control provider, totaling some $24,785.39 (and included in that amount is some $10,000

owed to one creditor and some $13,000 owed to another, both appearing to cover leased office

equipment). ECCU argues that it is improper for its claim to be separately classified in Class III

and that it should be classified along with the other unsecured claims in Class II, the result of

which would be that ECCU would likely receive a materially larger distribution over the life of

the plan. The issue is whether ECCU’s claim can be separately classified from the other

unsecured claims under 11 U.S.C. § 1122.

II. DISCUSSION

A plan of reorganization may be confirmed if all of the requirements of 11 U.S.C. §

1129(a) have been met. Section 1129(a)(8) requires that all impaired classes vote in favor of the

plan. That requirement can be avoided if a Debtor proposes confirmation under § 1129(b),

which imposes the same requirements as § 1129(a), except for (a)(8), but requires that the plan:

(1) “not discriminate unfairly”; and (2) be “fair and equitable, with respect to each class of

claims or interests that is impaired under, and has not accepted, the plan,” and further requires

that at least one impaired class vote in favor of the plan. In this case, Class II as proposed voted

in favor of the plan.

11 U.S.C. § 1122 provides:

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(a) Except as provided in subsection (b) of this section, a plan may place a claim

or an interest in a particular class only if such claim or interest is substantially

similar to the other claims or interests of such class.

(b) A plan may designate a separate class of claims consisting only of every

unsecured claim that is less than or reduced to an amount that the court approves

as reasonable and necessary for administrative convenience.

The parties do not disagree with the proposition that “[i]n classifying claims, the general rules

are that ‘[d]issimilar claims may not be classified together; [and] similar claims may be

separately classified only for a legitimate reason.”

(Bankr. E.D. Mich. 2009) (quoting

“The proponent of the plan must demonstrate a justification for its classification scheme and that

the classification is not motivated by the purpose of gerrymandering an affirmative vote of an

impaired class.”

warrant having a separate classification of similar claims, the debtor must advance a legitimate

reason supported by credible proof.”

Debtor argues that its proposed separate classification is justified because Class II

consists of all of its trade creditors with which, during the course the plan period and thereafter,

it expects to continue to do business. Therefore, to justify a separate classification, it argues that

those claims are of a sufficiently different nature or character than ECCU’s deficiency claim.

To appreciate the practical ramifications of the issue in this case, it is noted that, based on

originally scheduled claims (1) Class II would consist of scheduled potential claims amounting

to some $73,462.28, one half of which ($36,731.14) would be paid in sixty equal monthly

payments; and (2) the Class III deficiency claim held by ECCU of some $2,671,966.49 would

receive a 5% payment, totaling $133,598.32, which would be paid in twenty equal quarterly

payments. Debtors have indicated that there is a total of $250,000 for distribution to unsecured

creditors. A calculation of the distribution to Class II and Class III under the express terms of

the proposed plan, based on the scheduled claims, would leave an additional $79,670.54 (out of

the total distribution of $250,000) to be distributed to unsecured creditors. It is clear that, at the

time the proposed plan was drafted, Debtor anticipated a higher total of general unsecured debt

in Class II. If those two classes were combined, based on the scheduled claims, the total amount

of claims would be $2,745,428.80, of which ECCU’S portion would be about 97%. That percent

of the available $250,000 would be approximately $242,500, which is substantially more (some

In re Griswold Bldg., LLC, 420 B.R. 666, 707In re Chateaugay Corp., 89 F.3d 942, 949 (2nd Cir. 1996).Id. (quoting In re Porcelli, 319 B.R. 8, 10 (Bankr. M.D. Fla. 2004). “[T]oId. (quoting In re Chateaugay Corp., 89 F.3d at 949).

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$108,901.68) than what ECCU would receive as a member of Class III under Debtor’s proposed

Plan. The remaining 3% of the available $250,000, totaling approximately $7,500, would go to

the other members of that class, and that is a sharp decrease from what they would receive as a

member of Class II under the Debtor’s proposed Plan.

To further fully appreciate the potential ramifications based on actually filed claims

opposed to originally scheduled claims): Class II would consist of actually filed unsecured

claims amounting to $24,785.39, one half of which ($12,392.70) would be paid in sixty equal

monthly payments; and (2) as noted, the Class III deficiency claim held by ECCU of some

$2,671,966.49 would receive a 5% payment, totaling $133,598.32, which would be paid in

twenty equal quarterly payments. A calculation of the distribution to Class II and Class III under

the express terms of the proposed plan, based on the filed claims, would leave an additional

$104,008.98 (out of the total distribution of $250,000) to be distributed to unsecured creditors.

As already noted above, it is clear that, at the time the proposed plan was drafted, Debtor

anticipated a higher total of general unsecured debt in Class II.

combined, based on the filed claims, the total amount of claims would be $2,696,751.90, of

which ECCU’S portion would be about 99%. That percent of the available $250,000 would be

approximately $247,500, which is substantially more (some $113,901.68) than what ECCU

would receive as a member of Class III under Debtor’s proposed Plan. The remaining 1% of the

available $250,000, totaling approximately $2,500, would go to the other members of that class,

and that is a sharp decrease from what they would receive as a member of Class II under the

Debtor’s proposed Plan.

As this Court views the unsecured claims classification law in this circuit, it is that (a)

section 1122(a) does not demand that all similar claims be in the same class; (b) the bankruptcy

court has substantial discretion to place similar claims in different classes if there is a reason to

do so; and (c) where it appears that the classification sought is primarily to create a class of

consenting creditors to be able to assure acceptance and confirmation, separate classification is

impermissible.

Co. (In re U.S. Truck Co.)

F.3d 648 (6th Cir. 2002). One commenter has stated that:

1 (as2 If those two classes wereSee Teamsters National Freight Industry Negotiating Committee v. U.S. Truck, 800 F.2d 581, 586 (6th Cir. 1986); In re Dow Corning Corp., 280

1

The claims bar date has passed.

2

5

It is clear that these plan provisions would need to be amended to account for these differences.

the clear trend in the courts of appeals is that the unsecured mortgage deficiency

claims of an undersecured mortgage lender cannot be classified separately from

unsecured trade creditors’ claims when the sole purpose for the separate

classification is to manipulate class voting and to create an impaired class of

unsecured claims willing to accept a proposed plan. These courts have held that

the mere fact that some claims arise as a result of undersecured portions of claims

does not distinguish such undersecured claims from other unsecured claims so as

to justify separate classification.

6 Norton Bankruptcy Law and Practice 3d § 109.4 (citations omitted). In the noted

U.S. Truck

case, the separate classification of a claim arising out of a collective bargaining agreement and

the debtor’s relationship with the union involved was justified because of the “virtually unique”

interest of the union employees in their ongoing relationship with the debtor and continuing

collective bargaining process.

anticipated ongoing relationship with its indicated trade creditors over the life of the plan is

likewise to be distinguished from its relationship to ECCU, justifying a different claim treatment

and consequent separate classification.

This Court disagrees for a number of reasons. First, there are trade creditors in most

Chapter 11 cases and in many, if not most, of those same cases there are also undersecured

claims giving rise to deficiency claims. If the separate classification were to be upheld in this

case, it would be the rare case where it would not be. Second, the facts with regard to the small

number and identity and type of the unsecured creditors and the amounts of their claims lend

credence to the argument that the proposed classification in this case is primarily for the purpose

of obtaining a consenting class which approves the proposed plan. Third, with respect to the

ECCU deficiency claim and the claims of the other unsecured creditors, there is little to

differentiate them other than by their source or how they arose, and there are not the kind of

“unique” differences as, for instance, justified the separate classification in the

It appears to be the case that the Debtor’s rationale for the difference is the potential of a

continuing relationship with the other unsecured creditors over the life of the plan. In this case,

Debtor has also built a continuing relationship with ECCU, one that the plan proposes will

continue for the life of the plan. If it wants to, Debtor can continue to do business with the small

number of other unsecured creditors, whose services are not unique and are readily available in

the market place, and, if the service providers want to continue to do business with the Debtor

(neither of which is required), they free to continue or discontinue any ongoing relationship

U.S. Truck, 800 F.2d at 586. In this case, Debtor argues that itsU.S. Truck case.

6

(unlike the continuing essentially mandated collective bargaining agreement relationship in

Truck

normal course of post-confirmation business and during the life of the plan militates against the

Debtor’s argument in this case, which would afford to the more certain continuing relationship

an inferior result. In any event, the differences, if any, between ECCU’s deficiency claim and

the other unsecured creditor’s claims, do not sufficiently justify either overcoming the

gerrymandering purpose (evident from the indicated claims analysis and other facts) in this case,

or the conclusion that whatever differences one can articulate are of insufficient substance and

materiality to justify distinguishing between them requiring or permitting dissimilar treatment.

U.S.). Indeed, the fact that some or all of those relationships may or could easily end during the

III. CONCLUSION

For those reasons, the Court concludes that ECCU’s objection to confirmation of

Debtor’s Second Amended Combined Plan must be sustained. In view of this result, a status

conference on the future of this case will be held on November 30, 2011 at 9:45 a.m.

.

Signed on November 09, 2011

UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF MICHIGAN

SOUTHERN DIVISION – DETROIT

In re:

Case No. 10-74467

Christian Love Fellowship Chapter 11

Ministries, International, Hon. Walter Shapero

Debtor.

____________________________________/

IS CIVIL DISOBEDIENCE INEVITABLY?

Terry Bankert of “OCCUPY FLINT”11/7/11

Civil disobedience inevitable in the Occupy FLINT  Movement? Yes! What do you think?

FYI the following.

Civil disobedience is the active, professed refusal to obey certain laws, demands, and commands of a government, or of an occupying international power. Civil disobedience is commonly, though not always,[1][2] defined as being nonviolent resistance. It is one form of civil resistance. In one view (in India, known asahimsa or satyagraha) it could be said that it is compassion in the form of respectful disagreement.
http://en.wikipedia.org/wiki/Civil_disobedience

OCCUPY MOVEMENT CAN WIN WITH NON VIOLENCE

Any effort by a tiny minority to break the unity of action of our movement must be repelled. Anything short of strict nonviolence will play into the hands of the right-wingers in the police department, and into the hands of Wall Street.
There is nothing Wall Street and right-wingers at all levels of government would love more than to have today's public anger against them turn into its very opposite.

When engaging in civil disobedience, let's employ non-violent tactics that will galvanize broad unity with the people of Oakland and nation.
Tactics that will win over even misguided working people and students influenced by Fox television and other media outlets at the service of Wall Street and the far right.


http://peoplesworld.org/occupy-movement-can-win-with-nonviolence/


Atlanta (CNN) -- Occupy protesters returned to the streets of Atlanta on Sunday night, a day after a police crackdown on a gathering organized by the movement resulted in the arrests of 19 people....Those arrested Saturday included two people who refused to leave Woodruff Park after the 11 p.m. closing time and 17 others charged with obstructing traffic after the crowd poured onto nearby streets, the Atlanta Police Department said
…..The group may change gears and use other ways to convere no people protesting, if banks start failing again because of Greece, they will come back to the government for a bailout. The government needs to know people are watching.".....New York has made 555 arrests in the Occupy Wall Street movement on charges ranging from minor vioy its message, including "occupying" banking facilities and homes facing foreclosure, according to Chidi.
….."The financial services industry is not being properly regulated or overseen," said the 38-year-old consultant. "We are cruising toward another 2008 meltdown."
And the protests will send a strong message, he said.
"We have not learned a lesson from the last catastrophe. If there alations to felonies, the district attorney's office said. New York City Police said last week they charged a 26-year-old Brooklyn man with sexual abuse for inappropriately touching an 18-year-old woman at Zuccotti Park, the home base for the protests. In Oakland, California, demonstrators and police clashed last week, prompting authorities to use tear gas on protesters who defied orders to disperse.
http://www.cnn.com/2011/11/06/us/georgia-occupy-arrests/?hpt=us_c2


ATLANTA -Atlanta police said one protester draped in an American flag inside Woodruff Park was arrested after refusing to leave by a Sunday night curfew, and four other people on bicycles were arrested near the park - three for traffic violations and one for obstruction of a law enforcement officer.

http://www.nydailynews.com/news/national/lone-atlanta-occupy-wall-street-protester-arrested-refusing-leave-park-article-1.973253

HPD arresting Occupy Honolulu Protestors from sidewalk. Beretania Street
http://www.youtube.com/watch?v=wSM86ZkQI8Q
Nov 6, 2011 by Euronews
http://www.euronews.net/ At least 20 people have been arrested after scuffles broke out during an Occupy Wall Street protest in New York.
http://www.youtube.com/watch?v=SZvvcpmxNSM
DISTRICT OF COLUMBIA
Police and Occupy DC protesters are offering conflicting accounts about a weekend incident in which a motorist struck three protesters near a downtown demonstration.
....
HAWAII
Police arrested roughly a half dozen protesters after organizers of the Occupy Honolulu movement attempted to establish an encampment at a local park.
Some 20 police officers arrived late Saturday at the city’s Thomas Square. Members of Occupy Honolulu had said earlier Saturday that they planned to begin camping at the park starting at its 10 p.m. closing time. About 40 protesters were gathered at the site when authorities began telling them to leave.
…..Honolulu organizers said they also stood “in solidarity” with the homeless who are being forced from the streets and parks as the city prepares this week to host the Asia-Pacific Economic Cooperation.
OREGON
Portland Police Bureau chief Mike Reese has told members of Occupy Portland that concerns about their security in camp and on marches are warranted, but says protesters must work more closely with police......
OHIO
The Occupy Wall Street movement has spurred demonstrators in Cincinnati to form their own political party.
Spokesman Tyrone Givens tells The Associated Press that he and other Cincinnati-based protesters traveled to New York’s Occupy site to pitch the idea. He says the party is vetting six potential candidates for local office from Ohio, New York and Kentucky.
Givens says the ultimate goal is to elect members of the “Occupation Party” to Congress.
CALIFORNIA
Several hundred protesters marched through the financial district in Los Angeles to protest the banking industry as part of “Bank Transfer Day,” a grassroots movement that has been championed by the Occupy Wall Street protests.
…..The march ended with a teach-in by former labor secretary Robert Reich.
Meanwhile, a downtown Oakland branch of Wells Fargo bank closed its doors for the day Saturday as immigrant rights protesters crowded the entrance to condemn the bank’s ties to private companies that run immigrant detention centers.

More than 100 protesters marched a block from the Occupy Oakland encampment to the bank branch Saturday morning. A few protesters briefly tussled with bank security guards who stood in front of the locked entrance. Police were on the scene but made no arrests.
.
INDIANA
Dozens of anti-Wall Street protesters marched Saturday through downtown Indianapolis, chanting slogans and holding signs berating the nation’s big banks after a rally where they urged people to transfer their money to local banks and credit unions.
About 80 protesters marched from the Indiana Statehouse to Monument Circle, where they stopped outside two banks and loudly chanted “This is democracy in action!” before continuing.
IDAHO
Fifteen campers set up tents Saturday at the Old Ada County Courthouse lawn in downtown Boise with some planning to stay for as long as they can.
The Idaho Statesman reports that the protesters met with state officials earlier in the week and agreed to ground rules limiting the number of campers to 15 until more services are put in place.
___
.
BRITAIN
About 200 protesters marched to Parliament on Guy Fawkes Day, the annual commemoration of the English revolutionary who tried to blow up the building in the 17th century.
Many of Saturday’s protesters in London were wearing a grinning, somewhat sinister mask of Guy Fawkes that has become an icon of the Occupy Movement around the world. The rally was largely peaceful, but the group was kept from getting close to Parliament by a heavy police presence.
…..Many of the demonstrators had marched from St. Paul’s Cathedral in London, where the Occupy movement has set up camp for weeks to protest social inequality and the excesses of the banking industry. Two protesters were arrested for suspected criminal damage and unlawful protest, police said.

http://www.washingtonpost.com/national/latest-developments-in-the-occupy-protests-occurring-in-places-around-the-world/2011/11/06/gIQA73ujrM_story.html