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	<title>National Bankruptcy Forum &#187; Cars and Bankruptcy</title>
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	<link>http://www.nationalbankruptcyforum.com</link>
	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<title>In re Penrod, 611 F.3d 1158 (9th Cir. 2010)  An Opportunity for California Bankruptcy Attorneys &#8212; But Maybe Not For Long</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/penrod-an-opportunity-for-california-bankruptcy-attorneys-but-maybe-not-for-long/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/penrod-an-opportunity-for-california-bankruptcy-attorneys-but-maybe-not-for-long/#comments</comments>
		<pubDate>Sun, 21 Aug 2011 16:46:27 +0000</pubDate>
		<dc:creator>Raymond Schimmel</dc:creator>
				<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[California Bankruptcy Laws]]></category>
		<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Hanging Paragraph]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7109</guid>
		<description><![CDATA[The 9th Circuit has ruled that to the extent that an automobile lender rolls the negative equity from a trade-in into a new acquisition loan that part of the loan is not a purchase money security interest.  In re Penrod, 611 F.3d 1158 (9th Cir. 2010).   The ruling in Penrod is in apparent contrast to [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/penrod-an-opportunity-for-california-bankruptcy-attorneys-but-maybe-not-for-long/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Can Keep Your Car During Chapter 7 Bankruptcy, But Should You Sign a Reaffirmation Agreement?</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/you-can-keep-your-car-during-chapter-7-bankruptcy-but-should-you-sign-a-reaffirmation-agreement/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/you-can-keep-your-car-during-chapter-7-bankruptcy-but-should-you-sign-a-reaffirmation-agreement/#comments</comments>
		<pubDate>Sat, 06 Aug 2011 05:59:30 +0000</pubDate>
		<dc:creator>Jon G. Brooks</dc:creator>
				<category><![CDATA[Automatic Stay Protection]]></category>
		<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[California Bankruptcy Laws]]></category>
		<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[Can I keep my property if I file bankruptcy?]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[deficiency judgments]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6826</guid>
		<description><![CDATA[You Can Keep a Car in Bankruptcy, But Under What Terms? In our current tenuous economic climate, more and more normal, honest, hardworking people are turning to bankruptcy for relief from overwhelming debt. In fact, most people who file for bankruptcy are perfectly responsible citizens who have lost homes, lost law suits, incurred unexpected medical [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/you-can-keep-your-car-during-chapter-7-bankruptcy-but-should-you-sign-a-reaffirmation-agreement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Strip Down a Vehicle Loan in Chapter 13?</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/can-you-strip-down-a-vehicle-loan-in-chapter-13/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/can-you-strip-down-a-vehicle-loan-in-chapter-13/#comments</comments>
		<pubDate>Thu, 14 Jul 2011 00:22:18 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[arizona bankruptcy]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 plan]]></category>
		<category><![CDATA[exemptions]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[strip car lein]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6284</guid>
		<description><![CDATA[I heard that you can keep your vehicle in Chapter 13 and pay less than your vehicle’s outstanding loan balance. Is this true? Get Caught Up on Car Payments In all situations filing a Chapter 13 bankruptcy petition will allow you to keep your vehicle. Even if you are behind on your vehicle payments by [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>To reaffirm, or not to reaffirm</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/to-reaffirm-or-not-to-reaffirm/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/to-reaffirm-or-not-to-reaffirm/#comments</comments>
		<pubDate>Thu, 26 May 2011 18:44:38 +0000</pubDate>
		<dc:creator>Jason Witt</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[North Carolina Bankruptcy Laws]]></category>
		<category><![CDATA[cars]]></category>
		<category><![CDATA[reaffirmation]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5341</guid>
		<description><![CDATA[Should I Reaffirm My Car Loan? Since Bankruptcy Reform in 2005 Reaffirmation of debts has become a much bigger issue than before.  Under the old law debtors often had the option to not reaffirm vehicle debt yet keep the car.  This was referred to as “ride though” where debtors could continue the regular payment on [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Buy Your Underwater Car for its Fair Market Value (You&#8217;ll Have to File Bankruptcy First)</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/how-to-buy-your-underwater-car-for-its-fair-market-value-youll-have-to-file-bankruptcy-first/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/how-to-buy-your-underwater-car-for-its-fair-market-value-youll-have-to-file-bankruptcy-first/#comments</comments>
		<pubDate>Fri, 29 Apr 2011 03:00:14 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[722 Redemption]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4786</guid>
		<description><![CDATA[722 Redemption in Chapter 7 Bankruptcy News flash: cars are depreciating assets. No matter how shiny or fast or leather trimmed, the minute you drive the sucker off the lot, it goes down in value. It should come as no surprise then that the bankruptcy courts are full of debtors saddled with car payments they [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/how-to-buy-your-underwater-car-for-its-fair-market-value-youll-have-to-file-bankruptcy-first/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Two Reasons Owning a Car Free and Clear Can Cause Problems in Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/two-reasons-owning-a-car-outright-can-cause-problems-in-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/two-reasons-owning-a-car-outright-can-cause-problems-in-bankruptcy/#comments</comments>
		<pubDate>Tue, 12 Apr 2011 13:53:51 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[Own Car Free and Clear]]></category>
		<category><![CDATA[Ransom vs. FIA Card Services]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4477</guid>
		<description><![CDATA[So, your car is bought and paid for, big relief. No loans, no car payments to worry about. In the real world that&#8217;s a nice thing. Not so much if you&#8217;re contemplating bankruptcy. Owning your car outright can cause two major problems when you step into the weird world of bankruptcy: Problem #1. The damn [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/two-reasons-owning-a-car-outright-can-cause-problems-in-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What are Exemptions? What are the Exemptions in Arizona? How do I take advantage of these Exemptions?</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/what-are-exemptions-what-are-the-exemptions-in-arizona-how-do-i-take-advantage-of-these-exemptions/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/what-are-exemptions-what-are-the-exemptions-in-arizona-how-do-i-take-advantage-of-these-exemptions/#comments</comments>
		<pubDate>Fri, 11 Mar 2011 21:45:41 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[Federal Bankruptcy Exemptions]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[exemptions]]></category>
		<category><![CDATA[filing bankruptcy]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4110</guid>
		<description><![CDATA[Exemptions allow you to protect certain assets, up to a certain dollar value, from being taken and sold by your creditors. In Arizona, we have a wide variety of exemptions.  The following list does NOT include every single Arizona exemption, but lists some of the most common and important ones. (1)    The Homestead Exemption In [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/what-are-exemptions-what-are-the-exemptions-in-arizona-how-do-i-take-advantage-of-these-exemptions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting a Car Loan After Bankruptcy &#8212; 10 Tips</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/getting-a-car-loan-after-bankruptcy-10-tips/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/getting-a-car-loan-after-bankruptcy-10-tips/#comments</comments>
		<pubDate>Mon, 07 Mar 2011 20:08:38 +0000</pubDate>
		<dc:creator>Craig Robins</dc:creator>
				<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4036</guid>
		<description><![CDATA[Here's a complete guide to getting a car loan after emerging from a consumer bankruptcy.

The ability to get credit after bankruptcy is a major concern that I regularly hear about from my bankruptcy clients.  I recently wrote about Getting Credit After Bankruptcy in 2011  in which I highlighted how credit card companies were increasing the solicitation of consumers to open new accounts. 
 
But where do debtors stand as far as being able to get auto financing after emerging from a consumer bankruptcy case?  Here’s some information about getting a bankruptcy car loan.
 
Car Lenders Becoming More Aggressive with Lending
 
It now seems that auto makers are eager to increase sales by greatly expanding the pool of loan applicants. 
Auto lenders scaled back their lending during the financial crisis of the past few years.  However, as. . .

]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/getting-a-car-loan-after-bankruptcy-10-tips/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I Recently Moved, Will My Bankruptcy be Affected?</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/i-moved-to-arizona-in-the-last-2-years-how-does-this-affect-my-bankruptcy-are-there-any-other-exemption-limitations-i-should-be-aware-of/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/i-moved-to-arizona-in-the-last-2-years-how-does-this-affect-my-bankruptcy-are-there-any-other-exemption-limitations-i-should-be-aware-of/#comments</comments>
		<pubDate>Thu, 10 Feb 2011 22:31:33 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[Federal Bankruptcy Exemptions]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Bankruptcy Laws]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Moving]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3728</guid>
		<description><![CDATA[Yes! Amendments to the Bankruptcy code in 2005 affect which State’s exemption law applies in your bankruptcy case. The law says that if you have not lived in your current State for 730 days or more (2 years), then the exemption law of the State where you lived in the last 180 days prior to [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/i-moved-to-arizona-in-the-last-2-years-how-does-this-affect-my-bankruptcy-are-there-any-other-exemption-limitations-i-should-be-aware-of/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I Absolutely Cannot Lose My Car in Bankruptcy. Can I Buy it For Less Than What I Owe?</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/i-absolutely-cannot-lose-my-car-in-bankruptcy-i%e2%80%99ve-heard-that-bankruptcy-will-allow-me-to-pay-a-creditor-the-remaining-value-of-property-subject-to-a-lien-in-order-to-keep-that-property-is/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/i-absolutely-cannot-lose-my-car-in-bankruptcy-i%e2%80%99ve-heard-that-bankruptcy-will-allow-me-to-pay-a-creditor-the-remaining-value-of-property-subject-to-a-lien-in-order-to-keep-that-property-is/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 21:54:05 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[Buy Out Car Loan]]></category>
		<category><![CDATA[Can I keep my property if I file bankruptcy?]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[Redemption]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3614</guid>
		<description><![CDATA[This right to purchase certain property for what it&#8217;s actually worth in bankruptcy is known as the “right of redemption.” It&#8217;s available only in certain circumstances and can work to your advantage in some situations.  This is a right only available to individual debtors in a Chapter 7 bankruptcy proceeding.  It is further limited to [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/i-absolutely-cannot-lose-my-car-in-bankruptcy-i%e2%80%99ve-heard-that-bankruptcy-will-allow-me-to-pay-a-creditor-the-remaining-value-of-property-subject-to-a-lien-in-order-to-keep-that-property-is/feed/</wfw:commentRss>
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