Municipal Bankruptcy Essay

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In Brief
Recent municipal bankruptcies show that cities can make cuts to public benefit payments after bankruptcy. This brief outlines the benefits at risk and the emerging case law in the municipal bankruptcies in Stockton, CA, Detroit, MI, and Central Falls, RI.

Introduction
Historically, it’s been a rare occurrence for a city to go bankrupt. Between 1980 and 2010, there were 89,500 municipalities in the United States; but in the same time, only 239 of these entities filed bankruptcy (link to: http://www.huffingtonpost.com/mike-barnhart/municipal-bankruptcy_b_2777010.html). In recent years, however, municipal bankruptcies have been on the rise; and, they have become highly visible cases hitting such cities as Stockton, CA, Detroit, MI and Central Falls, RI.

The increase in bankruptcies has led to a deep concern, shared by public employees, as to whether they will receive benefits following a municipality declaring bankruptcy. Given the rarity of such occurrences in the past, there is no clear answer to this issue. Bankruptcy judges are deciding cases with relatively little precedent to rely upon. If the recent increase in municipal bankruptcies continues, it’s uncertain as to what the future holds for: (1) …show more content…

This is because the payment of these benefits represents a debt that a municipality is obligated to pay. Depending on the specific facts of a Chapter 9 Bankruptcy case, this debt can be quite substantial. The creditors of this debt are retirees and workers. These creditors have likely worked for a municipality (pre-bankruptcy) with the expectation that they will receive benefits upon retirement. But once a municipality files for Chapter 9, an important question remains as to how a municipality will balance obligations and expectations. Employee benefits can either be honored in full, or, they could be cut to free up funds to pay other creditors (e.g., a municipality’s

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