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	<title>National Bankruptcy Forum &#187; Bankruptcy Procedure</title>
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	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<title>The “341 Hearing” – What Should I expect?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-%e2%80%9c341-hearing%e2%80%9d-%e2%80%93-what-should-i-expect/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-%e2%80%9c341-hearing%e2%80%9d-%e2%80%93-what-should-i-expect/#comments</comments>
		<pubDate>Sun, 02 Oct 2011 15:23:51 +0000</pubDate>
		<dc:creator>David M. Green</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Preparing for bankruptcy]]></category>
		<category><![CDATA[341 Hearing; Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[filing bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7962</guid>
		<description><![CDATA[The creditors’ meeting, otherwise known as 341 meeting, is a procedural step in every Chapter 7 and Chapter 13 bankruptcy. In a typical 341 meeting, the debtor will be asked questions under oath by the bankruptcy trustee with respect to his or her financial affairs. Most debtors are apprehensive of the 341 meeting. While 341 [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-%e2%80%9c341-hearing%e2%80%9d-%e2%80%93-what-should-i-expect/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>San Jose Bankruptcy Lawyers Raise Concerns over Perceived Trustee Abuses</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/san-jose-bankruptcy-lawyers-raise-concerns-over-perceived-trustee-abuses/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/san-jose-bankruptcy-lawyers-raise-concerns-over-perceived-trustee-abuses/#comments</comments>
		<pubDate>Sun, 28 Aug 2011 02:39:25 +0000</pubDate>
		<dc:creator>Jon G. Brooks</dc:creator>
				<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Bankruptcy Practice Management]]></category>
		<category><![CDATA[California Bankruptcy Laws]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Ethics of Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[filing bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7249</guid>
		<description><![CDATA[At a recent meeting of our Chapter 13 Committee meeting, a group of Bay Area bankruptcy attorneys who meet monthly to discuss recent developments in consumer bankruptcy law, a lively discussion erupted among a group of 40-50 local practitioners over Bay Area Chapter 7 panel trustees’ increased reliance upon lengthy questionnaires and blanket document requests [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/san-jose-bankruptcy-lawyers-raise-concerns-over-perceived-trustee-abuses/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Should I Convert My Chapter 13 to Chapter 7?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/should-i-convert-my-chapter-13-to-chapter-7/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/should-i-convert-my-chapter-13-to-chapter-7/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 06:36:29 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Preparing for bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Convert bankruptcy]]></category>
		<category><![CDATA[discharge]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7188</guid>
		<description><![CDATA[Most Chapter 13 cases are not successfully completed and discharged.  This means that there are many individuals who file for Chapter 13 and find themselves unable or unwilling to continue.  Can these filers convert to Chapter 7?  Should they? If you are eligible for Chapter 7 bankruptcy, section 1307(a) of the Bankruptcy Code permits you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Bankruptcy Process</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-bankruptcy-process/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-bankruptcy-process/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 03:23:22 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Discharge]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Preparing for bankruptcy]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Bankruptcy process]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[exemptions]]></category>
		<category><![CDATA[filing bankruptcy]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6887</guid>
		<description><![CDATA[What steps need to be taken when you file for bankruptcy?  How will the thing pan out?  To avoid the fear of the unknown, here is a general run-down of the basic steps of filing for bankruptcy and receiving a discharge. Before you file your petition, you are required to complete the credit counseling requirement.  [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Banks Foreclose on Homes With No Mortgage!</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/banks-foreclose-on-homes-with-no-mortgage/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/banks-foreclose-on-homes-with-no-mortgage/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 14:28:00 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Coping with Stress]]></category>
		<category><![CDATA[Debt Collector Harassment]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Mortgage Problems]]></category>
		<category><![CDATA[stop foreclosure]]></category>
		<category><![CDATA[stopping foreclosure through bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6795</guid>
		<description><![CDATA[ In the current home foreclosure crisis, it seems some banks have become trigger happy.   It has become a bit of a recent anomaly why banks have suddenly and mistakenly gone after some homeowners with whom they have no claim.  Recently, Bank of America mistakenly brought a foreclosure action against a couple who had bought their [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/banks-foreclose-on-homes-with-no-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Liquidation Analysis/Best Interests of the Creditors Test for Chapter 13</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-13/chapter-13-bankruptcy-best-interest-of-creditors-test/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-13/chapter-13-bankruptcy-best-interest-of-creditors-test/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 02:57:29 +0000</pubDate>
		<dc:creator>Jon G. Brooks</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[California Bankruptcy Laws]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Payment Plan]]></category>
		<category><![CDATA[chapter 13 plan]]></category>
		<category><![CDATA[exemptions]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6783</guid>
		<description><![CDATA[When considering a Chapter 13 Bankruptcy, one of the first questions that every debtor wants to know is how much their monthly Chapter 13 Plan payment will be. As with most legal questions, the answer is that it depends. One of the ways to determine how much this payment will be is to perform a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a straw buyer and what are the consequences?  Is this an option to consider if I can’t qualify the home I want?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-is-a-straw-buyer-and-what-are-the-consequences-is-this-an-option-to-consider-if-i-can%e2%80%99t-qualify-the-home-i-want/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-is-a-straw-buyer-and-what-are-the-consequences-is-this-an-option-to-consider-if-i-can%e2%80%99t-qualify-the-home-i-want/#comments</comments>
		<pubDate>Thu, 30 Jun 2011 18:02:57 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Ethics of Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Foreclosure Defense]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy fraud]]></category>
		<category><![CDATA[bankruptcy options]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[letting go of a home in bankruptcy]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[straw buyer]]></category>
		<category><![CDATA[surrendering real estate]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6097</guid>
		<description><![CDATA[A straw buyer is a fake buyer set up to defraud the mortgage company.  If an individual cannot qualify for a loan for a particular home, due to bad credit or some other reason, it may seem like a solution to ask a relative or friend to purchase the home and pay them.  However, this [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-is-a-straw-buyer-and-what-are-the-consequences-is-this-an-option-to-consider-if-i-can%e2%80%99t-qualify-the-home-i-want/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Filing Bankruptcy Without an Attorney</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/filing-bankruptcy-without-an-attorney/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/filing-bankruptcy-without-an-attorney/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 22:11:51 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Bankruptcy Means Test]]></category>
		<category><![CDATA[Chapter 11 Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Coping with Stress]]></category>
		<category><![CDATA[Hiring a Bankruptcy Lawyer]]></category>
		<category><![CDATA[bankrupt]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[filing bankruptcy]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6033</guid>
		<description><![CDATA[According to the state bar, 40-50% of Arizona bankruptcy filings occur without an attorney (“pro se” in legalese).  Most individuals who file for bankruptcy are at rock bottom, and do not believe they can afford an attorney, or that it will be necessary to a successful outcome of the proceedings. However, the importance of an [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/filing-bankruptcy-without-an-attorney/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Billionaire Bankruptcies?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/billionaire-bankruptcies/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/billionaire-bankruptcies/#comments</comments>
		<pubDate>Mon, 27 Jun 2011 18:56:54 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Ethics of Bankruptcy]]></category>
		<category><![CDATA[Federal Bankruptcy Exemptions]]></category>
		<category><![CDATA[Hiring a Bankruptcy Lawyer]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[arizona bankruptcy]]></category>
		<category><![CDATA[Arizona bankruptcy attorney]]></category>
		<category><![CDATA[bankrupt]]></category>
		<category><![CDATA[Bankruptcy]]></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 7]]></category>
		<category><![CDATA[decision to file bankruptcy]]></category>
		<category><![CDATA[decisions about bankruptcy]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[National Bankruptcy Forum]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>
		<category><![CDATA[qaulifying for chapter 7]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5998</guid>
		<description><![CDATA[As reports surface that wealthy socialite Patricia Kluge has filed for Chapter 7 bankruptcy protection, many have wondered:  how can you file for bankruptcy when you are a billionaire? When United State bankruptcy laws were drafted, the focus was pro-debtor.  The idea was to provide a fresh start for people who had suffered under the [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/billionaire-bankruptcies/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Assessing Your Financial Situation Pre-Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/assessing-your-financial-situation-pre-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/assessing-your-financial-situation-pre-bankruptcy/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 23:53:45 +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 Means Test]]></category>
		<category><![CDATA[Chapter 11 Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Coping with Stress]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[Hiring a Bankruptcy Lawyer]]></category>
		<category><![CDATA[arizona bankruptcy]]></category>
		<category><![CDATA[Arizona bankruptcy attorney]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy exemptions]]></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[emotions of bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5870</guid>
		<description><![CDATA[Often, people wait too long to file bankruptcy.  Considering bankruptcy to be a last resort is probably a wise thing to do, and there are often many things an individual can do to prevent bankruptcy.  However, waiting too long can mean that bankruptcy protects less of your assets than it might otherwise be able to, [...]]]></description>
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		<slash:comments>0</slash:comments>
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