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	<title>National Bankruptcy Forum &#187; John C. Colwell</title>
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	<link>http://www.nationalbankruptcyforum.com</link>
	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<title>Feds For Foreclosures into Rentals, Hey! How About Stopping Foreclosures?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/feds-for-foreclosures-into-rentals-hey-how-about-stopping-foreclosures/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/feds-for-foreclosures-into-rentals-hey-how-about-stopping-foreclosures/#comments</comments>
		<pubDate>Thu, 11 Aug 2011 16:33:19 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[home value]]></category>
		<category><![CDATA[rental]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6906</guid>
		<description><![CDATA[Tweet Today was a most interesting read of the newspaper. Financial stories abound each day, the news is filled with tales of the stock market crash and the double dip recession (was there ever a rise to double dip?). Here are a smattering of headlines that caught my eye: Student Loans: A Crisis in Waiting? [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Depression, Financial Ills and Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/depression-financial-ills-and-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/depression-financial-ills-and-bankruptcy/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 14:43:28 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy and Your Career]]></category>
		<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Coping with Stress]]></category>
		<category><![CDATA[Creditor Harassment]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[depression]]></category>
		<category><![CDATA[financial stress]]></category>
		<category><![CDATA[Fresh Start]]></category>
		<category><![CDATA[hope]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5926</guid>
		<description><![CDATA[Tweet Recently in San Diego, two extreme examples of apparent financial woes have led to tragic ends. http://www.signonsandiego.com/news/2011/jun/07/services-held-two-families-separate-murder-suicide/ http://www.signonsandiego.com/news/2011/jun/22/court-documents-show/ I am not trained in the matters of the impact of financial burdens on one&#8217;s mental health. I am a counselor, however, a counselor at law. As such, one of my primary duties is to listen [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Exemptions, 401k plans, IRAs and common liquidating mistakes by well meaning debtors.</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/exemptions-401k-plans-iras-and-common-liquidating-mistakes-by-well-meaning-debtors/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/exemptions-401k-plans-iras-and-common-liquidating-mistakes-by-well-meaning-debtors/#comments</comments>
		<pubDate>Wed, 18 May 2011 01:25:23 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy and Your Career]]></category>
		<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Coping with Stress]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3093</guid>
		<description><![CDATA[Tweet Prologue: When contemplating this blog, I had thought to list this problem as one of my pet peeves. I decided that I would not classify this subject in that fashion, but I still mention it prominently here, since the issue troubles me greatly. Blog: Time and time again, I will counsel with well meaning [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Another true life inquiry. Does this sound familiar? If so, seek out the assisance of a qualified bankruptcy attorney!</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/another-true-life-inquiry-does-this-sound-familiar-if-so-seek-out-the-assisance-of-a-qualified-bankruptcy-attorney/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/another-true-life-inquiry-does-this-sound-familiar-if-so-seek-out-the-assisance-of-a-qualified-bankruptcy-attorney/#comments</comments>
		<pubDate>Wed, 17 Nov 2010 00:27:31 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy and Your Career]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[consolidation of debt]]></category>
		<category><![CDATA[disability]]></category>
		<category><![CDATA[reduce monthly payments]]></category>
		<category><![CDATA[significant debt]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2947</guid>
		<description><![CDATA[You are not alone, we deal with this kind of problem each day and have so for many years.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Congressman Filner (D-San Diego) helps stop an eviction, helps 150 others with &#8216;loan modifications&#8217;.</title>
		<link>http://www.nationalbankruptcyforum.com/mortgage-modification/congressman-filner-d-san-diego-helps-stop-an-eviction-helps-150-others-with-loan-modifications/</link>
		<comments>http://www.nationalbankruptcyforum.com/mortgage-modification/congressman-filner-d-san-diego-helps-stop-an-eviction-helps-150-others-with-loan-modifications/#comments</comments>
		<pubDate>Mon, 25 Oct 2010 20:29:23 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Debt Relief Legal Clinic]]></category>
		<category><![CDATA[filing bankruptcy in San Diego]]></category>
		<category><![CDATA[John Colwell NACBA Board of Directors]]></category>
		<category><![CDATA[San Diego bankruptcy attorney]]></category>
		<category><![CDATA[San Diego bankruptcy news]]></category>
		<category><![CDATA[stopping eviction]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2356</guid>
		<description><![CDATA[Tweet Last month, one of our local Congressmen, Bob Filner, took the extraordinary step to assist one of the many troubled San Diego homeowners, by helping to prevent an eviction after a foreclosure. Prior to this action, Congressman Filner had been attempting to help the homeowner with her own loan modification, as he continues to help [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/mortgage-modification/congressman-filner-d-san-diego-helps-stop-an-eviction-helps-150-others-with-loan-modifications/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Military Centric Credit Unions to Merge</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/military-centric-credit-unions-to-merge/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/military-centric-credit-unions-to-merge/#comments</comments>
		<pubDate>Thu, 16 Sep 2010 15:05:25 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[consumer loans]]></category>
		<category><![CDATA[credit union]]></category>
		<category><![CDATA[merge]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2325</guid>
		<description><![CDATA[Navy Federal Credit Union is a well known major provider of consumer loans. And, as suggested by its title, a significant number of its members are in the Navy or other branches of the military.
NavyFed, as it is commonly known, will be taking over another well known credit union, USA Federal Credit Union, which entity has 5 branches in San Diego county.]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/military-centric-credit-unions-to-merge/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get your Free Credit Report. No, I really mean Free!</title>
		<link>http://www.nationalbankruptcyforum.com/real-life-stories/get-your-free-credit-report-no-i-really-mean-free/</link>
		<comments>http://www.nationalbankruptcyforum.com/real-life-stories/get-your-free-credit-report-no-i-really-mean-free/#comments</comments>
		<pubDate>Sun, 12 Sep 2010 17:22:45 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[annual credit report]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[how can I get a free credit report?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2323</guid>
		<description><![CDATA[We've all seen the blaring TV ads touting a free credit report. How many thousands have 'bitten' the hook, taken the bait, and signed up, only to find out there are multiple hidden fees and costs associated with the 'free' credit report. It is another form of bait and switch that should be banned in its entirety, but we tolerate the claims as 'puffery'. Buyer Beware, Indeed! Point your browser to www.ftc.gov/freereports for more information about this benefit for us all. ]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/real-life-stories/get-your-free-credit-report-no-i-really-mean-free/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health Care Reform Has Some Help For Small Businesses</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/health-care-reform-has-some-help-for-small-businesses/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/health-care-reform-has-some-help-for-small-businesses/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 15:16:00 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Entrepreneurship]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Tax Issues]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1951</guid>
		<description><![CDATA[It was of particular interest to me, since my business likely qualifies for this tax credit. My office is comprised of 3 locations, with 4 attorneys and 6 support staff. According to this article, the tax credit will apply to business of 25 employees or less, along with other requirements. We happily provide Kaiser-Permanente health HMO to our employees, and it appears that our firm will enjoy a 35% deduction of our health care premiums by way of a tax credit this year, and each year, until 2014, when the tax credit is increased.]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/health-care-reform-has-some-help-for-small-businesses/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Scores and Bankruptcy Bump</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/credit-scores-and-bankruptcy-bump/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/credit-scores-and-bankruptcy-bump/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 05:05:36 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[AP]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy bump]]></category>
		<category><![CDATA[consumer bankruptcy]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[FICO]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1922</guid>
		<description><![CDATA[Tweet Today, the AP is reporting a general downturn in the all important FICO score, which score is used primarily to determine loan eligibility. Many, if not all of our clients will, at some point, consider the impact an impending bankruptcy will have upon this score. Oddly enough, credit scores after bankruptcy, notwithstanding this report, [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-myths/credit-scores-and-bankruptcy-bump/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A cheaper bankruptcy attorney is a better bankruptcy attorney, right?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/a-cheaper-bankruptcy-attorney-is-a-better-bankruptcy-attorney-right/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/a-cheaper-bankruptcy-attorney-is-a-better-bankruptcy-attorney-right/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 15:33:43 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[attorney's fees]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[cheap attorney]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[low cost]]></category>
		<category><![CDATA[shopping attorneys]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1869</guid>
		<description><![CDATA[Shopping for an attorney by price is a 'loss leader' in our view.Sure, you may 'save' a few hundred here or there, but at what actual cost?]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-myths/a-cheaper-bankruptcy-attorney-is-a-better-bankruptcy-attorney-right/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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