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	<title>National Bankruptcy Forum &#187; History of Bankruptcy</title>
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	<link>http://www.nationalbankruptcyforum.com</link>
	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<title>Three Plans For Fixing the Mortgage Mess</title>
		<link>http://www.nationalbankruptcyforum.com/mortgage-modification/three-plans-for-fixing-the-mortgage-mess/</link>
		<comments>http://www.nationalbankruptcyforum.com/mortgage-modification/three-plans-for-fixing-the-mortgage-mess/#comments</comments>
		<pubDate>Fri, 12 Aug 2011 05:05:48 +0000</pubDate>
		<dc:creator>Raymond Schimmel</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[http://www.brookings.edu/opinions/2011/0719_housing_galston.aspx www.endbillcollections.com]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6916</guid>
		<description><![CDATA[While the finger pointing continues little is being done by the President and Congress to stem the tide of rising foreclosures.  The Brookings Institute examines three alternative plans on how the government might actually fix the mortgage mess. The first solution proposed by Eric Posner of the University of Chicago Law School and Luigi Zingales of the Booth School [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/mortgage-modification/three-plans-for-fixing-the-mortgage-mess/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Anna Nicole Smith Will Live Forever in Stunning New Supreme Court Decision in Stern v. Marshall</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/anna-nicole-smith-will-live-forever-in-stunning-new-supreme-court-decision-in-stern-v-marshall/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/anna-nicole-smith-will-live-forever-in-stunning-new-supreme-court-decision-in-stern-v-marshall/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 16:05:18 +0000</pubDate>
		<dc:creator>Thad Bartholow</dc:creator>
				<category><![CDATA[Adversary Proceeding]]></category>
		<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Anna Nicole Smith]]></category>
		<category><![CDATA[Armstrong Kellett Bartholow P.C.]]></category>
		<category><![CDATA[Bankruptcy Court]]></category>
		<category><![CDATA[Breach of Contract]]></category>
		<category><![CDATA[District Court]]></category>
		<category><![CDATA[DTPA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[jurisdiction]]></category>
		<category><![CDATA[Magistrate]]></category>
		<category><![CDATA[Marathon]]></category>
		<category><![CDATA[Supreme Court]]></category>
		<category><![CDATA[Texas Debt Collection Act]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5940</guid>
		<description><![CDATA[Stern vs. Marshall Shakes the Bankruptcy World The Supreme Court issued a second opinion arising from the seemingly endless litigation over claims against the estate of the late Pierce Marshall (Anna Nicole&#8217;s elderly husband of one year before his death).  In this 5-4 split opinion released yesterday (June 23, 2011), the Supreme Court significantly limited [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/anna-nicole-smith-will-live-forever-in-stunning-new-supreme-court-decision-in-stern-v-marshall/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The Hidden Cost of War: A Connection Between Afghanistan, Iraq, and the Rise of U.S. Personal Bankruptcies?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-hidden-cost-of-war-is-there-a-connection-between-afghanistan-iraq-and-the-rise-of-u-s-personal-bankruptcies/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-hidden-cost-of-war-is-there-a-connection-between-afghanistan-iraq-and-the-rise-of-u-s-personal-bankruptcies/#comments</comments>
		<pubDate>Fri, 11 Jun 2010 20:24:26 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[BACPA]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Chapter 7]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1786</guid>
		<description><![CDATA[It has widely been reported that, despite a budding recovery, personal bankruptcies are still on the rise in the United States.  (See, for example,  this blog entry).  Although Congress overhauled the nation&#8217;s bankruptcy laws in 2005 with the intention of limiting the ability of many individuals to get rid of their debt (see &#8220;How Important [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-hidden-cost-of-war-is-there-a-connection-between-afghanistan-iraq-and-the-rise-of-u-s-personal-bankruptcies/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Did Bankruptcy Reform Trigger the Housing Crisis?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/did-bankruptcy-reform-trigger-the-housing-crisis/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/did-bankruptcy-reform-trigger-the-housing-crisis/#comments</comments>
		<pubDate>Fri, 16 Apr 2010 13:01:29 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[BACPA]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>
		<category><![CDATA[underwater home]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1446</guid>
		<description><![CDATA[As discussed in John Colwell&#8217;s recent contribution here, housing &#8211; which seems to be at the center of the current economic downturn &#8211; is a long way from a rebound, and foreclosures may actually increase in the coming months.  After reading Mr. Colwell&#8217;s article, I decided to learn a little more about the subject and [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/did-bankruptcy-reform-trigger-the-housing-crisis/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>&#8220;Long Form&#8221; Means Testing: Qualifying for Chapter 7 When Your Income is Above the Median</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/long-form-means-testing-qualifying-for-chapter-7-when-your-income-is-above-the-median/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/long-form-means-testing-qualifying-for-chapter-7-when-your-income-is-above-the-median/#comments</comments>
		<pubDate>Fri, 09 Apr 2010 13:26:41 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[BACPA]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[bankruptcy reform]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[National Bankruptcy Forum]]></category>
		<category><![CDATA[short sale tax consequences]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1425</guid>
		<description><![CDATA[Much has been written about the means test since it was enacted as part of the 2005 amendments to the Bankruptcy Code (also known as the BAPCPA). (For an excellent explanation of what the means test is, see Lori Patton&#8217;s recent contribution here).  However, its application is often poorly understood by individuals who are considering [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-myths/long-form-means-testing-qualifying-for-chapter-7-when-your-income-is-above-the-median/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>I&#8217;ve found a new job, will I still be able to file for bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/ive-found-a-new-job-will-i-still-be-able-to-file-for-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/ive-found-a-new-job-will-i-still-be-able-to-file-for-bankruptcy/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 18:56:12 +0000</pubDate>
		<dc:creator>John O'Connor</dc:creator>
				<category><![CDATA[Bankruptcy and Your Career]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Entrepreneurship]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Marriage and Bankruptcy]]></category>
		<category><![CDATA[chapter 7 means test]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[qualifying for bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=520</guid>
		<description><![CDATA[I&#8217;ve found a new job, can I still file bankruptcy? If you&#8217;ve read this blog with any frequency, you&#8217;ve undoubtedly seen numerous posts about bankruptcy reform and the means test. Indeed, much has been written about the means test, the vaunted gatekeeper to chapter 7 bankruptcy protection implemented by Congress as part of BACPA in [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/ive-found-a-new-job-will-i-still-be-able-to-file-for-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Household Size and the Means Test</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/household-size-and-the-means-test/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/household-size-and-the-means-test/#comments</comments>
		<pubDate>Thu, 12 Nov 2009 16:07:29 +0000</pubDate>
		<dc:creator>Richard Stokan</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[State Specific Bankruptcy Issues]]></category>
		<category><![CDATA[BACPA]]></category>
		<category><![CDATA[bankruptcy reform]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[qaulifying for chapter 7]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com.php5-8.dfw1-1.websitetestlink.com/uncategorized/household-size-and-the-means-test/</guid>
		<description><![CDATA[The &#8220;Means Test&#8221; was implemented in 2005 as a way of preventing consumers with the ability to pay back their debts from filing for chapter 7 bankruptcy. Determining a household size for purposes of the Means Test can be simple or complicated depending on the family. The proper method for determining household size is an [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/household-size-and-the-means-test/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Chapter 15 &#8220;Cross-Border&#8221; Cases &#8211; Part 1 of 3</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/vchapter-15-cross-border-cases-part-1-of-3/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/vchapter-15-cross-border-cases-part-1-of-3/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 13:28:27 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 15]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com.php5-8.dfw1-1.websitetestlink.com/?p=423</guid>
		<description><![CDATA[Given our proximity to Canada, it is important for Detroit bankruptcy lawyers to have a familiarity with Chapter 15.  This is a new chapter added to the Bankruptcy Code by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. It is the U.S. domestic adoption of the Model Law on Cross-Border Insolvency promulgated by [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/vchapter-15-cross-border-cases-part-1-of-3/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What Does the Bible Say About Bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-does-the-bible-say-about-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-does-the-bible-say-about-bankruptcy/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 19:56:00 +0000</pubDate>
		<dc:creator>John O'Connor</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>
		<category><![CDATA[Bible and bankruptcy]]></category>
		<category><![CDATA[morality of bankruptcy]]></category>
		<category><![CDATA[religion and bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com.php5-8.dfw1-1.websitetestlink.com/?page_id=101</guid>
		<description><![CDATA[What Does the Bible Say About Bankruptcy? The Bible specifically addresses the topic of bankruptcy. The Old Testament calls for periodic forgiveness of debt. In a previous post on this forum, Andy Roth points out that Deuteronomy 15 calls for debts to be wiped clean every seven years: &#8216;At the end of every seven years [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-does-the-bible-say-about-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Credit Counseling Requirement</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/bankruptcy-credit-counseling-requirement/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/bankruptcy-credit-counseling-requirement/#comments</comments>
		<pubDate>Thu, 06 Aug 2009 19:14:00 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[History of Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com.php5-8.dfw1-1.websitetestlink.com/?page_id=94</guid>
		<description><![CDATA[As part of the 2005 Amendments to the Bankruptcy Code, people who plan to file for bankruptcy protection are now required to get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.&#160; With consumer bankruptcies on the rise and [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/bankruptcy-credit-counseling-requirement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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