Inside this issue: Board of Directors 2018 Election Results, NACBA Legislative Committee Advocates in DC, Be Wary of Private Tax Collectors, Brunner Test Does Not Require that Debtor Take Advantage of IBR, Court Rejects No Seal No Deal Argument, Cram Down That Old Home Loan, Debtor’s Attorney Fees Were Properly Paid Before Creditors in Chapter 13, IRS Shakedown Happening in Bankruptcy Court, Initial Steps to Take When You Receive a Discharge Complaint, Guarantor May Contest Dischargeability Plus