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	<title>National Bankruptcy Forum &#187; Consumer Alerts</title>
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	<link>http://www.nationalbankruptcyforum.com</link>
	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<item>
		<title>I’m Not Current on May Car Payments, Do I Have Options in Chapter 13?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/im-not-current-on-may-car-payments-do-i-have-options-in-chapter-13/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/im-not-current-on-may-car-payments-do-i-have-options-in-chapter-13/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 22:22:38 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Bankruptcy Discharge]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Creditor Harassment]]></category>
		<category><![CDATA[Debt Collector Harassment]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Can I keep my property if I file bankruptcy?]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 plan]]></category>
		<category><![CDATA[decisions about bankruptcy]]></category>
		<category><![CDATA[Phoenix bankruptcy]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=9775</guid>
		<description><![CDATA[Can Bankruptcy Help When You&#8217;re Behind on Your Car Payments? When you are considering bankruptcy, you have often been behind on payments for months.  You have run up credit card debt, and missed payments on your car and mortgage.  And now, perhaps your lender is threatening to repossess your car.  What are your options in [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>SHOW ME THE BANKRUPTCYYYYYYYYYY!</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/show-me-the-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/show-me-the-bankruptcy/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 22:06:00 +0000</pubDate>
		<dc:creator>James McGuire</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[decision to file bankruptcy]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=9617</guid>
		<description><![CDATA[You probably are more familiar with that line in its original form, “Show me the moneyyyyyyyyyyy!” as screamed over the phone by “Jerry Maguire” the sports agent played by Tom Cruise in the movie of the same name.  Well, now the real life sports agent that inspired the Jerry Maguire character, Leigh Steinberg has declared [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Refund Loans … Bye, Bye ! … and Good Riddance !</title>
		<link>http://www.nationalbankruptcyforum.com/consumer-alerts/tax-refund-loans-bye-bye-and-good-riddance/</link>
		<comments>http://www.nationalbankruptcyforum.com/consumer-alerts/tax-refund-loans-bye-bye-and-good-riddance/#comments</comments>
		<pubDate>Sat, 21 Jan 2012 16:21:28 +0000</pubDate>
		<dc:creator>John Rogers</dc:creator>
				<category><![CDATA[Consumer Alerts]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=9588</guid>
		<description><![CDATA[Republic Bank and Trust Company of Louisville, Kentucky is the final bank in the country to be forced to eliminate their super high interest tax refund loans that prey on the financially strapped.  The bank, in conjunction with Jackson Hewitt tax service,  have conspired for years to convince needy tax filers to pay up to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is Bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/what-is-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/what-is-bankruptcy/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 15:08:46 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy Trustee]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Ethics of Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[History]]></category>
		<category><![CDATA[Policy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=8919</guid>
		<description><![CDATA[Bankruptcy Relief Hasn&#8217;t Always Been Available Bankruptcy is a process under federal law whereby individuals and businesses can shed unmanageable debt and start over. Under the right circumstances, filing for bankruptcy can provide tremendous relief, however, for much of history, the concept of discharging debt was quite foreign. Historically, individuals who could not pay their [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why Filing for Bankruptcy is a Better Choice than Credit Counseling</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/why-filing-for-bankruptcy-is-a-better-choice-than-credit-counseling/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/why-filing-for-bankruptcy-is-a-better-choice-than-credit-counseling/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 03:36:09 +0000</pubDate>
		<dc:creator>Tobias Licker</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Counseling]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=8280</guid>
		<description><![CDATA[Is Credit Counseling a Step in the Right Direction? Credit counseling most often involves consolidating outstanding debts as much as possible and then developing a negotiated repayment plan for a reduced payment over time to all of your creditors. Credit counseling is often a first step taken by those who have significant debt due to [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/why-filing-for-bankruptcy-is-a-better-choice-than-credit-counseling/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Think Twice About Payday Loans</title>
		<link>http://www.nationalbankruptcyforum.com/protecting-your-property/think-twice-about-payday-loans/</link>
		<comments>http://www.nationalbankruptcyforum.com/protecting-your-property/think-twice-about-payday-loans/#comments</comments>
		<pubDate>Fri, 07 Oct 2011 14:56:42 +0000</pubDate>
		<dc:creator>leebankruptcy</dc:creator>
				<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Payday loans]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=8027</guid>
		<description><![CDATA[As a Dallas bankruptcy attorney, I warn my clients to think twice about payday loans. Not only do they carry poor interest rates that will cost you much more in the end, if you default on the loan you could end up in serious financial trouble. The Secured Debt Trap Most people don&#8217;t realize the [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/protecting-your-property/think-twice-about-payday-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Shocking (and Costly!) Facts About Consumer Credit Counseling</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/7-shocking-and-costly-facts-about-consumer-credit-counseling/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/7-shocking-and-costly-facts-about-consumer-credit-counseling/#comments</comments>
		<pubDate>Mon, 03 Oct 2011 04:15:02 +0000</pubDate>
		<dc:creator>Richard Fonfrias</dc:creator>
				<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7980</guid>
		<description><![CDATA[(NOTE: This information refers to credit counseling other than what is required for bankruptcy pre-filing credit counseling. Talk to the Fonfrias Law Group for approved agencies.) SHOCKING FACT #1: Credit counselors work for your creditors, not for you. A former Assistant Attorney General for the state of Texas said this about Consumer Credit Counseling Services: [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/uncategorized/7-shocking-and-costly-facts-about-consumer-credit-counseling/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Countrywide Home Loans Will Pay $108,000,000 to Customers Affected by its Unfair Lending Practices</title>
		<link>http://www.nationalbankruptcyforum.com/foreclosure/countrywide-home-loans-will-pay-108000000-to-customers-affected-by-its-unfair-lending-practices/</link>
		<comments>http://www.nationalbankruptcyforum.com/foreclosure/countrywide-home-loans-will-pay-108000000-to-customers-affected-by-its-unfair-lending-practices/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 06:13:22 +0000</pubDate>
		<dc:creator>Richard Fonfrias</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Foreclosure Defense]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7182</guid>
		<description><![CDATA[Countrywide Home Loans Will Pay $108,000,000 to Customers Affected by its Unfair Lending Practices – and Give Adequate Notice of its Charges to Debtors in Bankruptcy &#160; This Department of Justice News Release is Reprinted Here as an Educational Service It is always prudent for homeowners to check with a lawyer specializing in financial rescue [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/foreclosure/countrywide-home-loans-will-pay-108000000-to-customers-affected-by-its-unfair-lending-practices/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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[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? Americans [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/feds-for-foreclosures-into-rentals-hey-how-about-stopping-foreclosures/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Congressional Budget Office Report: National Debt to Exceed GDP</title>
		<link>http://www.nationalbankruptcyforum.com/consumer-alerts/congressional-budget-office-report-national-debt-to-exceed-gdp/</link>
		<comments>http://www.nationalbankruptcyforum.com/consumer-alerts/congressional-budget-office-report-national-debt-to-exceed-gdp/#comments</comments>
		<pubDate>Tue, 26 Jul 2011 15:59:24 +0000</pubDate>
		<dc:creator>John O'Connor</dc:creator>
				<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Congressional Budget Office]]></category>
		<category><![CDATA[GDP]]></category>
		<category><![CDATA[National Debt]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6542</guid>
		<description><![CDATA[It&#8217;s amazing how bad things have gotten. There is real talk of the federal government defaulting on its debts and the rating agencies will very likely downgrade U.S. Treasuries as a result. Just how dire is the economic outlook if we continue on our current deficit spending course? Ask the folks at the Congressional Budget [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/consumer-alerts/congressional-budget-office-report-national-debt-to-exceed-gdp/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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