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	<title>National Bankruptcy Forum &#187; Uncategorized</title>
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	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<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>Iowa Bankruptcy Attorney, Sam Marks, Joins NBF</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/iowa-bankruptcy-attorney/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/iowa-bankruptcy-attorney/#comments</comments>
		<pubDate>Wed, 31 Aug 2011 15:17:06 +0000</pubDate>
		<dc:creator>Sam Marks</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7328</guid>
		<description><![CDATA[Hi, I&#8217;m Sam Marks of Marks Law Firm in Des Moines, Iowa. Marks Law specializes in consumer protection, foreclosure, and bankruptcy law. I personally handle the bulk of bankruptcy clients that our firm serves and I also maintain a blog on my website in an effort to demystify filing for bankruptcy in Des Moines to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When is Credit Card Debt Not Dischargeable In Bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/when-is-credit-card-debt-not-dischargeable-in-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/when-is-credit-card-debt-not-dischargeable-in-bankruptcy/#comments</comments>
		<pubDate>Fri, 01 Apr 2011 20:28:52 +0000</pubDate>
		<dc:creator>James McGuire</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Bankruptcy Discharge]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4342</guid>
		<description><![CDATA[Credit card debt is one of the most common types of debt discharged in a bankruptcy. In most cases, no creditor disputes the dischargeability of credit card debt and the debt is readily discharged in the bankruptcy. However, credit card users facing bankruptcy need to be aware that there circumstances which may except certain credit [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How does the “disposable income” test really work in Chapter 13?</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/how-does-the-%e2%80%9cdisposable-income%e2%80%9d-test-really-work-in-chapter-13/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/how-does-the-%e2%80%9cdisposable-income%e2%80%9d-test-really-work-in-chapter-13/#comments</comments>
		<pubDate>Mon, 21 Feb 2011 19:11:11 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Preparing for bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 plan]]></category>
		<category><![CDATA[decisions about bankruptcy]]></category>
		<category><![CDATA[disposable income]]></category>
		<category><![CDATA[how long is the plan payment]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[plan payment]]></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=3893</guid>
		<description><![CDATA[The “disposable income” test is the most important test in determining how much you will have to pay to your unsecured creditors in your chapter 13 bankruptcy. Although the process is complex, this article should give you a better understanding of WHY you are required to pay what you are, and HOW a court determines [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When Can Bankruptcy Stop Creditors From Taking My Property?</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/what-is-the-difference-between-unsecured-and-secured-creditors-when-and-how-can-creditors-take-my-property-can-bankruptcy-help-to-stop-this/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/what-is-the-difference-between-unsecured-and-secured-creditors-when-and-how-can-creditors-take-my-property-can-bankruptcy-help-to-stop-this/#comments</comments>
		<pubDate>Wed, 26 Jan 2011 23:53:45 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Automatic Stay Protection]]></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[Foreclosure]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Creditor protection]]></category>
		<category><![CDATA[exemptions]]></category>
		<category><![CDATA[Secured]]></category>
		<category><![CDATA[secured debt]]></category>
		<category><![CDATA[unsecured]]></category>
		<category><![CDATA[unsecured debt]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3516</guid>
		<description><![CDATA[No doubt you have heard the terms “unsecured” and “secured” creditors? But what do these terms really mean? In reality, the concepts are quite simple. First off, a creditor is generally someone who is owed money. A common example is when you take out a bank loan. Here you owe the bank a certain amount [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/uncategorized/what-is-the-difference-between-unsecured-and-secured-creditors-when-and-how-can-creditors-take-my-property-can-bankruptcy-help-to-stop-this/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Foreclosure in Arizona is usually done by a Trustee Sale.</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/home-foreclosure-in-arizona-is-usually-done-by-a-trustee-sale/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/home-foreclosure-in-arizona-is-usually-done-by-a-trustee-sale/#comments</comments>
		<pubDate>Tue, 30 Nov 2010 19:38:40 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Can I keep my property if I file bankruptcy?]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[Trustee Sale]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2988</guid>
		<description><![CDATA[          One of the many problems debtors are dealing with when they are facing filing for bankruptcy protection is foreclosure on their homes. When you borrow money from a bank to purchase a home you sign a promissory note and a deed of trust. The promissory note is a contract in which you promise to pay [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/uncategorized/home-foreclosure-in-arizona-is-usually-done-by-a-trustee-sale/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[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 petition [...]]]></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>What is &#8220;redemption&#8221; and how does that help me keep my property in Bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/what-is-redemption-and-how-does-that-help-me-keep-my-property-in-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/what-is-redemption-and-how-does-that-help-me-keep-my-property-in-bankruptcy/#comments</comments>
		<pubDate>Wed, 28 Jul 2010 20:58:37 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1998</guid>
		<description><![CDATA[In Bankruptcy, redemption is a type of relief, only available for consumer debt, which allows a debtor to pay a creditor’s secured debt.  What this means is that your creditor may relieve the lien on your personal property if you pay a lump sum equal to the current market value of the collateral.  For example, [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/uncategorized/what-is-redemption-and-how-does-that-help-me-keep-my-property-in-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I think that my Debt Collector is Harassing me. What can I do?</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/i-think-that-my-debt-collector-is-harassing-me-what-can-i-do/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/i-think-that-my-debt-collector-is-harassing-me-what-can-i-do/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 22:46:24 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[creditor harrassment]]></category>
		<category><![CDATA[debt collectors]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1929</guid>
		<description><![CDATA[In case you have filed for bankruptcy under any chapter, you are protected by the “automatic stay” provision which stops creditors from forms of collection action, including the continuation of a court case against you.  Think of the “automatic stay” as a firewall that is supposed to stop debt collectors from trying to collect debt [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/uncategorized/i-think-that-my-debt-collector-is-harassing-me-what-can-i-do/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Filing An Adversary Proceeding to Discharge Student Loan Debt</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/filing-an-adversary-proceeding-to-discharge-student-loan-debt/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/filing-an-adversary-proceeding-to-discharge-student-loan-debt/#comments</comments>
		<pubDate>Fri, 07 May 2010 12:32:24 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy discharge]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>
		<category><![CDATA[student loans and bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1554</guid>
		<description><![CDATA[Student loans are not usually discharged in Chapter 7 bankruptcy. It is difficult, but not impossible, to do so if you can show that payment of the debt “will impose an undue hardship on you and your dependents.”  See 11 U.S.C. § 523(a)(8). Whether a student loan is discharged based on hardship is not automatically [...]]]></description>
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		<slash:comments>1</slash:comments>
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