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	<title>National Bankruptcy Forum &#187; Richard Stokan</title>
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	<link>http://www.nationalbankruptcyforum.com</link>
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		<item>
		<title>How Property is Distributed to Creditors</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/how-property-is-distributed-to-creditors/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/how-property-is-distributed-to-creditors/#comments</comments>
		<pubDate>Tue, 19 Oct 2010 12:18:42 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[how does bankruptcy work?]]></category>
		<category><![CDATA[order of trustee distribution]]></category>
		<category><![CDATA[Trustee distribution of assets in bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2603</guid>
		<description><![CDATA[Tweet When a trustee determines that a bankruptcy estate has assets which need to be distributed to creditors, the trustee is required to file a final report and account of the administration of the case pursuant to 11 U.S.C. § 704(a)(9). In the final report, the trustee sets forth the proposed distribution of assets to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Do I Have To Reaffirm My Mortgage To Keep My Home?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/do-i-have-to-reaffirm-my-mortgage-to-keep-my-home/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/do-i-have-to-reaffirm-my-mortgage-to-keep-my-home/#comments</comments>
		<pubDate>Mon, 20 Sep 2010 12:56:15 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Automatic Stay Protection]]></category>
		<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[do i have to reaffirm?]]></category>
		<category><![CDATA[legal impact of reaffirmation agreement]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[reaffirmation agreement]]></category>
		<category><![CDATA[surrendering real estate]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2435</guid>
		<description><![CDATA[Tweet When you file for bankruptcy protection, you must identify your intention with regard to secured property. When it comes to real property, it can be surrendered, redeemed or reaffirmed. Surrendering is self explanatory. Redemption occurs when a debtor purchases the property for the amount of the secured claim. When you &#8220;reaffirm&#8221; a mortgage, you [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What is a Bankruptcy Estate?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/what-is-a-bankruptcy-estate/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/what-is-a-bankruptcy-estate/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 12:47:07 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Bankruptcy and Your Career]]></category>
		<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy estate questions]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2336</guid>
		<description><![CDATA[Tweet &#160; When you file bankruptcy, all of your property becomes part of the bankruptcy estate. The property is then subject to the supervision of the Court and trustee while your case is open. Disclosure of ALL property is required if you expect to be relieved of your debts. When a debtor files a bankruptcy [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/what-is-a-bankruptcy-estate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Executory Contracts and Unexpired Leases</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/executory-contracts-and-unexpired-leases/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/executory-contracts-and-unexpired-leases/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 13:22:44 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[bankruptcy petition]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[bankruptcy schedules]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[gym membership]]></category>
		<category><![CDATA[unexpired leases]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2184</guid>
		<description><![CDATA[Tweet The bankruptcy petition includes a section for executory contracts and unexpired leases. I have been asked by several debtors what is an executory contract and unexpired lease? The simple answer is that an executory contract is an agreement between two parties where neither party has fulfilled its obligations under the contract. An unexpired lease [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What if I forgot to list a creditor on my bankruptcy petition? Can I Amend?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-if-i-forgot-to-list-a-creditor/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-if-i-forgot-to-list-a-creditor/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 13:55:18 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[amendment]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[list creditors]]></category>
		<category><![CDATA[listing assets]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2061</guid>
		<description><![CDATA[Tweet It is common for debtors with numerous creditors to forget to list a creditor on a bankruptcy petition. This could happen with an old account that has remained open but unused for several years or a forgotten joint account from a former spouse. Just because a debt was not listed on the petition does [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When is a Bankruptcy Case Over?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/when-is-a-bankruptcy-case-over/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/when-is-a-bankruptcy-case-over/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 20:05:51 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[bankruptcy filing timeline after 341 meeting of creditors]]></category>
		<category><![CDATA[Chapter 7 case closed timeline]]></category>
		<category><![CDATA[Chapter 7 timeline]]></category>
		<category><![CDATA[close case]]></category>
		<category><![CDATA[closing bankruptcy case]]></category>
		<category><![CDATA[deadline for closing bankruptcy case]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[Does the trustee have to close my bankruptcy case?]]></category>
		<category><![CDATA[end of bankruptcy]]></category>
		<category><![CDATA[time of close case]]></category>
		<category><![CDATA[When is my bankruptcy case over?]]></category>
		<category><![CDATA[Why is my bankruptcy case not closed?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2034</guid>
		<description><![CDATA[Tweet Receiving a discharge of debts does not close the bankruptcy case Once a bankruptcy trustee’s duties are complete, preference and fraudulent transfers recovered and all nonexempt assets liquidated and distributed to creditors, the bankruptcy estate is fully administered and can be closed by the Bankruptcy Court. If a trustee gives notice of no dividends [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-myths/when-is-a-bankruptcy-case-over/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Conversion to Chapter 13 to Avoid Dismissal on Presumption of Abuse</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/conversion-to-chapter-13-to-avoid-dismissal-on-presumption-of-abuse/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/conversion-to-chapter-13-to-avoid-dismissal-on-presumption-of-abuse/#comments</comments>
		<pubDate>Tue, 03 Aug 2010 13:09:15 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2023</guid>
		<description><![CDATA[Tweet I recently discussed involuntary dismissals of Chapter 7 petitions under 11 U.S.C. § 707(b) where the Court determines that a presumption of abuse exists. If faced with an inevitable dismissal under 11 U.S.C.§ 707(b), a debtor can convert to a Chapter 13 bankruptcy. See 11 U.S.C.§ 706. This requires the debtor to file a [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/uncategorized/conversion-to-chapter-13-to-avoid-dismissal-on-presumption-of-abuse/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Presumption of Abuse Dismissal &#8211; Failing the Means Test</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/presumption-of-abuse-dismissal-failing-the-means-test/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/presumption-of-abuse-dismissal-failing-the-means-test/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 13:40:18 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[chapter 7 eligibility]]></category>
		<category><![CDATA[disposable income]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[qaulifying for chapter 7]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1991</guid>
		<description><![CDATA[Tweet The quickest way to have your Chapter 7 bankruptcy petition dismissed is to fail the means test.  A debtor who fails the means test raises a rebuttable presumption of abuse. In the event a presumption of abuse exists, 11 U.S.C. § 707(b)(2) authorizes the court, US trustee or any part in interest to file a [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/presumption-of-abuse-dismissal-failing-the-means-test/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy and Back Taxes</title>
		<link>http://www.nationalbankruptcyforum.com/tax-issues/bankruptcy-and-taxes/</link>
		<comments>http://www.nationalbankruptcyforum.com/tax-issues/bankruptcy-and-taxes/#comments</comments>
		<pubDate>Mon, 19 Jul 2010 13:13:08 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Tax advantages of bankruptcy]]></category>
		<category><![CDATA[tax issues]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1948</guid>
		<description><![CDATA[Tweet As a general rule, you cannot discharge back taxes in bankruptcy. Certain income taxes, however, can be discharged under limited circumstances. When filing for Chapter 7 bankruptcy protection, taxes can be discharged under the following circumstances: (1) the taxes are limited to taxes on income. Taxes levied for fraud, payroll taxes or sales taxes [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/tax-issues/bankruptcy-and-taxes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Can Be Involuntary</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/bankruptcy-can-be-involuntary/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/bankruptcy-can-be-involuntary/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 13:27:16 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[Chapter 11 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 7]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1920</guid>
		<description><![CDATA[Tweet Although most people are familiar with voluntary bankruptcy, a debtor can be forced into an involuntary bankruptcy. Under certain circumstances, creditors can initiate a Chapter 7 or Chapter 11 bankruptcy case by filing an involuntary petition against the debtor. Before creditors can initiate an involuntary bankruptcy, a debtor must have 12 or more creditors, [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-practice-management/bankruptcy-can-be-involuntary/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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