William Rivett, II v. Kyle Carlson

United States Bankruptcy Appellate Panel
For the Eighth Circuit
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No. 24-6012
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In re: WILLIAM LOUIS RIVETT, II,
Debtor.
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WILLIAM LOUIS RIVETT, II,
Debtor-Appellant
v.
KYLE LYNN CARLSON,
Trustee-Appellee
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Appeal from United States Bankruptcy Court
for the District of South Dakota
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Submitted: June 13, 2025
Filed: July 28, 2025
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Before SURRATT-STATES, CONSTANTINE, and JONES, Bankruptcy Judges.
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CONSTANTINE, Bankruptcy Judge.

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Debtor-Appellant William Louis Rivett, II (“Debtor”) appeals the bankruptcy
court’s1 order dismissing his chapter 13 case. For the following reasons, we affirm.
BACKGROUND
Debtor, appearing pro se, filed a chapter 13 voluntary petition on August 16,
2024. The bankruptcy court granted Debtor’s request to pay the filing fee in
installments. ECF No. 4, In Re William Louis Rivett, II, No. 24-50074 (Bankr.
D.S.D. Aug. 16, 2024).2 Four payments of $78.25 were required on or before
September 13, September 27, October 11, and October 25. Id.
Debtor represented in his bankruptcy petition that he had received credit
counseling from an approved agency within 180 days before filing his petition with
the court. ECF No. 1. Pursuant to Federal Rule of Bankruptcy Procedure 1007(c)(3),
a debtor must file a credit counseling certificate within fourteen days from the date
of the petition. Nevertheless, no certificate was filed. The bankruptcy court issued
an order compelling Debtor to file a certificate on or before October 11—forty-two
days beyond the statutory deadline. ECF No. 38. The court’s order provides that a
failure to comply may result in the Debtor’s case being dismissed without further
notice or hearing. Id.
The bankruptcy court dismissed Debtor’s case on October 15, 2024, for failure
to pay the installment payments due on September 27, and October 11, and for
failure to submit a credit counseling certificate. ECF No. 48.
Debtor filed a notice of appeal of this order on October 22, 2024, alleging that
his failure to pay the filing fee installment was due to unintentional delay.
ECF No. 58. Debtor states that he did in fact send payment for the September 27
installment through “regular mail,” but that the payment was “never received.” Id.
He also details his efforts to submit two payments on October 14 via FedEx
1 The Honorable Laura L. Kulm Ask, Chief Judge of the United States
Bankruptcy Court for the District of South Dakota.
2 All docket references cite to In Re William Louis Rivett, II, No. 24-50074
(Bankr. D.S.D. 2024).

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overnight delivery, which were not delivered until October 16. Id. Debtor ignores
his failure to file a credit counseling certificate and focuses solely on the bankruptcy
court’s decision to dismiss his case for failure to make filing fee payments. Id.
STANDARD OF REVIEW
We review the bankruptcy court’s decision to dismiss Debtor’s case for an
abuse of discretion, and we review its legal conclusions de novo. Marshall v.
McCarty (In re Marshall), 407 B.R. 359, 361 (B.A.P. 8th Cir. 2009) (citations
omitted).
A court abuses its discretion when a relevant factor that should have
been given significant weight is not considered; when an irrelevant or
improper factor is considered and given significant weight; or when all
proper factors and no improper ones are considered, but the court
commits a clear error of judgment in weighing those factors.
Steiner v. Wilmington Sav. Fund Soc’y (In re Steiner), 613 B.R. 176, 178 (B.A.P.
8th Cir. 2020) (quoting City of Duluth v. Fond du Lac Band of Lake Superior
Chippewa, 702 F.3d 1147, 1152 (8th Cir. 2013)).
DISCUSSION
The Trustee-Appellee contends that the bankruptcy court’s order should be
affirmed because Debtor’s brief on appeal does not comply with Federal Rule of
Bankruptcy Procedure 8014. In addition, the Trustee argues that the bankruptcy
court did not abuse its discretion in dismissing the case for failure to file a credit
counseling certificate and for a failure to make required installment payments.
In recognizing that dismissing an appeal for a failure to meet brief writing
requirements may seem severe, we will address both the failure to comply with the
appellate rules and the Debtor’s appeal on its merits.
A. 	Violation of Federal Rule of Bankruptcy Procedure 8014
On December 31, 2024, an order was entered compelling Debtor to submit a
brief for this Court’s review. Clerk's Ord., Dec. 31, 2024. Debtor redated and filed

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his “Notice of Appeal” as his Appellant Brief. Appellant's Br. 1. Both documents
are identical. Id.
Federal 	Rule 	of 	Bankruptcy 	Procedure 	8014 	governs 	appellate 	brief
requirements. These requirements include: a table of contents, a table of authorities,
a jurisdictional statement, a statement of issues presented, a statement of facts, a
summary of the argument, the argument with citations to authority, and a short
conclusion stating the precise relief sought. FED. R. BANKR. P. 8014(a).
The Eighth Circuit regularly declines to “consider cursory or summary
arguments that are unsupported by citations to legal authorities.” United States v.
Stuckey, 255 F.3d 528, 531 (8th Cir. 2001) (citations omitted); see also Doughty v.
Douglas (In re Doughty), 609 B.R. 203, 209 (B.A.P. 8th Cir. 2019) (“We will not
consider the Debtor's cursory argument concerning service as it is unsupported by
citations to legal authorities.”). “To be reviewable, an issue must be presented in the
brief with some specificity. Failure to do so can result in waiver.” Meyers v. Starke,
420 F.3d 738, 743 (8th Cir. 2005) (citing Sweet v. Delo, 125 F.3d 1144, 1159 (8th
Cir. 1997)). An appeal that fails to comply with the applicable rules governing brief
writing requirements is subject to summary dismissal. Slack v. St. Louis Cnty. Gov't,
919 F.2d 98, 99 (8th Cir. 1990) (citing United States v. 339.77 Acres of Land, Ark.,
420 F.2d 324, 325 (8th Cir. 1970)).
Debtor’s Appellant Brief disregards nearly all of this Court’s brief writing
requirements. Appellant's Br. 1–2. The redated “Notice of Appeal” not only fails to
discuss Debtor’s lack of credit counseling certification, but it also fails to include a
single citation—legal or otherwise. Id. With respect to the sole issue he asserts on
appeal, the failure to make fee payments, Debtor does not deny that the payments
were made late. Debtor instead attempts to argue that his payments were (1)
“unintentionally delayed,” and that his overall (2) “substantial compliance” with
bankruptcy requirements, coupled with his (3) “severe financial hardship,” should
result in the reinstatement of his case. Id.
Debtor’s request for the reinstatement of his case—liberally construed to be
his conclusion—marks the one and only brief requirement that he meaningfully

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satisfies. Accordingly, Debtor’s appeal may be dismissed, and the bankruptcy
court’s order affirmed, solely on the failure to comply with Federal Rule of
Bankruptcy Procedure 8014.
B. 	Failure to provide credit counseling certification
Even if Debtor had complied with every rule governing appellate briefs and
successfully argued that his failure to make timely payments should not have
resulted in the dismissal of his bankruptcy case, the order of the bankruptcy court is
appropriately affirmed.
11 U.S.C. § 1307(c) requires “cause” before a petition is dismissed. “A lack
of statutory eligibility to ‘be a debtor’ . . . is the very most fundamental ‘cause’ for
dismissal.” In re Wallert, 332 B.R. 884, 891 (Bankr. D. Minn. 2005) (discussing 11
U.S.C. § 707(a)). The sua sponte determination of ineligibility and subsequent
dismissal of a case under 11 U.S.C. § 109(h) has been previously permitted by the
B.A.P. In re Rendler, 368 B.R. 1, 3 (Bankr. D. Minn. 2007) (citing Dixon v. LaBarge
(In re Dixon), 338 B.R. 383, 389 (B.A.P. 8th Cir. 2006)). We find it appropriate here
as well.
Under Section 109(h)(1) an individual “may not be a debtor . . . unless such
individual” has received credit counseling within 180 days before filing his or her
bankruptcy petition. 11 U.S.C. § 109(h)(1). Federal Rule of Bankruptcy Procedure
1007(c)(3) requires that a credit counseling certificate be filed with the court “within
14 days after the order for relief is entered.” F ED. R. BANKR. P. 1007(c)(3).
There are three exceptions to this requirement, all governed by Section
109(h).3 None of these exceptions apply to Debtor. Despite that, the bankruptcy
court still provided Debtor with an additional forty-two days to file a certificate.
3 Section 109(h)(2) allows for an exception when the United States Trustee
determines that credit counseling is not needed. Section 109(h)(3) allows for an
exception when (1) the debtor submits to the court that exigent circumstances merit
a waiver of the requirement, (2) the debtor requested credit counseling but was
unable to receive services (in the appropriate time frame), and (3) the court is

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Although the requirements of Section 109(h) may create harsh results, those
requirements are mandatory. Hedquist v. Fokkena (In re Hedquist), 342 B.R. 295,
300 (B.A.P. 8th Cir. 2006). “[B]ankruptcy courts have no discretion but to dismiss
the case when the debtor fails to file a certification in compliance with its
provisions.” Id. The application of a mandatory provision cannot be an abuse of
discretion.
The statute is abundantly clear: “an individual may not be a debtor under this
title” unless he or she has received credit counseling. 11 U.S.C. § 109(h)(1)
(emphasis added). The order compelling Debtor to supply a credit counseling
certificate made it clear that “if Debtor fails to timely comply with this order, this
case may be dismissed by separate order, without further notice or hearing.” ECF
No. 38. The bankruptcy court had no choice but to dismiss Debtor’s case.
While we are sympathetic to Debtor’s claim that his untimely filing fee
payments should not result in dismissal, it is immaterial to his appeal. Even if Debtor
had made every payment on time, a lack of credit counseling certification renders
him ineligible to be a debtor.
CONCLUSION
Debtor’s noncompliance with Federal Rule of Bankruptcy Procedure 8014(a)
and failure to file a credit counseling certificate, each standing alone, are sufficient
to affirm the bankruptcy court’s order. Further review of the filing fee issue is
unnecessary.
The 	bankruptcy 	court 	did 	not 	err 	in 	determining 	that 	dismissal 	was
appropriate, nor did it abuse its discretion. Accordingly, the bankruptcy court’s order
is affirmed.
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satisfied with the explanation. Lastly, Section 109(h)(4) allows for an exception
when the court determines that a debtor “is unable to complete those requirements
because of incapacity, disability, or active military duty in a military combat zone.”
11 U.S.C. § 109(h)(4).