About
In the complex landscape of consumer bankruptcy, the "Chapter 20" strategy remains one of the most powerful tools for debtors—provided it is executed with precision. By strategically filing a Chapter 7 to secure a personal discharge before immediately following with a Chapter 13 to address mortgage arrears, practitioners can provide clients with a fresh start while saving their homes.
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Join Daniel Staeven and Alon Nager on April 23 at 3 PM for a closer look into the practical application of this strategy, with a specific focus on important implications following the Saenz decision in the Tenth Circuit.
When
Thursday, April 23, 2026 · 3:00 p.m. Eastern Time (US & Canada) (GMT -4:00)
WEBINAR ENDED
Agenda
  • Explain how Fourth Circuit case law dictates feasibility & good faith requirements of sequential filings
  • Identify mechanics of "Chapter 20" and how to transition from Chapter 7 discharge to Chapter 13 filing
  • Discuss common challenges from trustees & creditors, ways to navigate them
  • Evaluate Chapter 13 plan to protect primary residence after personal liability is extinguished
Presenters
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Daniel Staeven
Dan works with distressed individuals and businesses. His insolvency-based bankruptcy practice does workouts, restructuring, negotiations, and bankruptcy for consumers and entities. Dan also works on real estate transactions representing the buyer or banking institution in a property transaction or properties in distress.

The experience and knowledge of dealing with loan documents supports all different kinds of parties to a transaction. Dan’s practice has intersected many times in federal tax and state tax areas.

Dan regularly files bankruptcy cases for individuals to work with tax debt. These workouts take many forms and one size does not fit all. It is Dan’s experience to craft a resolution for each individual case. He has been on the cutting edge of the new small business bankruptcy law practice. He has filed many cases in Maryland, Virginia, and the District of Columbia under Chapter 11, Subchapter V. Recently several have been confirmed as consensual plans.
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Alon Nager
Alon Nager serves as a Director at Frost Law, bringing over 22 years of consumer bankruptcy experience, including extensive work in Chapter 7 and Chapter 13 cases. He previously founded and led Nager Law Group, providing clients in the Baltimore-Washington area with strategic, goal-oriented solutions in bankruptcy, insolvency, debt settlement, and foreclosure defense. He also previously held senior roles at several regional law firms, where he honed his skills in bankruptcy law and client advocacy.

An active member of the Maryland State Bar Association and the Maryland Bankruptcy Bar Association, Alon has served in leadership roles within the Consumer Bankruptcy Section. His commitment to mentoring, client-focused solutions, and the legal profession continues to define his work at Frost Law.

Alon earned his J.D. from the University of Pittsburgh School of Law in 2003, where he contributed to the Pittsburgh Journal of Technology Law and Policy, and his B.A. in Philosophy and Psychology from Binghamton University. He is admitted to practice in Maryland and Pennsylvania, as well as in the U.S. District Court for the District of Maryland and the Eastern and Western Districts of Pennsylvania.

Outside the office, Alon is a proud father of twins and an avid marathon runner.