Background:
Effective December 1, 2025, the District of Maryland updated its Local Bankruptcy Rules related to Proofs of Claim (POCs). LBR 3002-2 has been added to address joint debtors in a bankruptcy, and whether a creditor’s claim is against one or both.
Upcoming Changes and Recommendations:
LBR 3002-2 will now require POCs to indicate, for each joint debtor, whether the claim is being filed against one or both debtors. The rule is unclear as to the exact method for designating liability, stating only that creditors ‘must…clearly state whether the claim is against one or both debtors in the case.”
Though ambiguous, PLG will ensure compliance with this updated rule by placing one of the disclaimers below on our POCs near the caption, to make clear which debtor is obligated under the note/contract:
Disclaimers:
| Designation | Disclaimer |
| Both Debtors Obligated | Both Debtor 1 and Debtor 2 are jointly liable under the attached note or contract. |
| Only One Debtor Obligated | Debtor [1 or 2] is solely liable under the attached note or contract. |
| Third-Party | Debtor [1 or 2] is a third-party and not liable under the attached note or contract. |
Rule Attachment: (Ver. 25.01) LBR LBF Amendments