"Really?? Because it doesn't look to me like that is what I said"
Whether the judge "makes" or merely "tells" the creditor what to do is both a quibble and entirely beside the point. Law, ethics and an oath of office require the judge to follow procedure, and to do so impartially. Furthermore he wants to get this junk off his desk with a minimum of fuss. Spend a day or three watching the calendar call in these cases. Then come back and tell me how many deals like yours got cut before judgment.
"By the way, WhatTheF, aka CalLawyer, if you are so concerned about people on this forum being given erroneous advice, why don't you become a member and help some of them out with some real legal advice?"
Because first, it's unethical for a lawyer to dispense legal advice without reviewing the client's file and speaking with her in a confidential setting. Second, I’ve spent many hours staffing local pro bono clinics, which is the proper place to help people, and I routinely give out free advice to people in these situations: all they have to do is call. And third, genuine advice isn't the true purpose of this place.
Look at this thing critically Alias: why would this board be so slow on a weekend, just when other forums all over the 'net are going gangbusters? Why don't these boards point debtors to the wealth of low and no-cost legal aid available in most U.S. cities, or the best self-help books and forms all available for free at the local library or on county court websites? Alias, who calls you back when you sign up for the consultations offered here, who pays their salaries, and where does the money come from?
Open your eyes Alias, and you’ll see that the truth is the same regardless how high your horse.