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	<title>National Bankruptcy Forum &#187; credit card debt</title>
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		<title>Credit Card Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/credit-card-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/credit-card-bankruptcy/#comments</comments>
		<pubDate>Wed, 29 Jun 2011 13:25:02 +0000</pubDate>
		<dc:creator>Mark Aalam</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[San Diego Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5827</guid>
		<description><![CDATA[Credit Card Bankruptcy It’s no secret that the United States economy has been driven by consumer credit card spending. Credit card companies have spent billions of dollars each year aimed at convincing us to buy on credit. More than a billion credit card offers are mailed out each year in the United States each year. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Good News about Bankruptcy: The Automatic Stay</title>
		<link>http://www.nationalbankruptcyforum.com/automatic-stay-protection/the-good-news-about-bankruptcy-the-automatic-stay/</link>
		<comments>http://www.nationalbankruptcyforum.com/automatic-stay-protection/the-good-news-about-bankruptcy-the-automatic-stay/#comments</comments>
		<pubDate>Thu, 21 Apr 2011 19:58:02 +0000</pubDate>
		<dc:creator>James McGuire</dc:creator>
				<category><![CDATA[Automatic Stay Protection]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4673</guid>
		<description><![CDATA[The Automatic Stay Stops Collection Efforts In the majority of bankruptcy initial consultations I have conducted, I hear the same story. This story is about someone who has fallen on financial hard times. Many times, this story involves  the person recounting me about how they are paralyzed by the fear of impending lawsuits, garnishments, or foreclosure. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Can Chapter 13 Bankruptcy Get Rid of Credit Card Debt?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-13/can-chapter-13-bankruptcy-get-rid-of-credit-card-debt/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-13/can-chapter-13-bankruptcy-get-rid-of-credit-card-debt/#comments</comments>
		<pubDate>Sun, 10 Apr 2011 19:16:16 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[credit card debt]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4441</guid>
		<description><![CDATA[Yes, chapter 13 bankruptcy can get rid of credit card debt, just on a longer timeline than chapter 7 bankruptcy. Chapter 7 or &#8220;straight&#8221; bankruptcy usually lasts about three months. At the end of the process, the debtor&#8217;s unsecured debts such as credit cards and medical bills are totally eliminated. By contrast, chapter 13 bankruptcy [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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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		<title>Debt Collectors are threatening to take my property. Can they take it? What are my options?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/debt-collectors-are-threatening-to-take-my-property-can-they-take-it-what-are-my-options/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/debt-collectors-are-threatening-to-take-my-property-can-they-take-it-what-are-my-options/#comments</comments>
		<pubDate>Mon, 07 Mar 2011 20:50:06 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Creditor Harassment]]></category>
		<category><![CDATA[Debt Collector Harassment]]></category>
		<category><![CDATA[Hiring a Bankruptcy Lawyer]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[Arizona bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Can I keep my property if I file bankruptcy?]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[creditor harrasment]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Fair Debt Collection Practices Act]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[property]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[reposession]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4050</guid>
		<description><![CDATA[It is important to know that there are some situations where debt collectors may take your property and other situations where they are prohibited by law from doing so. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are barred not only from taking your property but also from making threats to take your [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Arizona Bankruptcy Attorney Answers: Can I Gamble Away My Money Before I File For Bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/arizona-bankruptcy-attorney-answers-can-i-gamble-away-my-money-before-i-file-for-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/arizona-bankruptcy-attorney-answers-can-i-gamble-away-my-money-before-i-file-for-bankruptcy/#comments</comments>
		<pubDate>Fri, 18 Feb 2011 23:16:06 +0000</pubDate>
		<dc:creator>James McGuire</dc:creator>
				<category><![CDATA[Adversary Proceeding]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[filing bankruptcy]]></category>
		<category><![CDATA[Gambling and Bankruptcy]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3877</guid>
		<description><![CDATA[Gamble Away Money Before Bankruptcy? It is not illegal to gamble.  You are certainly within your rights to gamble.  However, we have been involved in a few cases in which the issue of funds gambled away immediately before filing for bankruptcy has been brought up. Can you lose otherwise non-exempt funds gambling and then file [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I am receiving harassing phone calls from debt collectors; do I have to file bankruptcy to make them stop?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/i-am-receiving-harassing-phone-calls-from-debt-collectors-do-i-have-to-file-bankruptcy-to-make-them-stop/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/i-am-receiving-harassing-phone-calls-from-debt-collectors-do-i-have-to-file-bankruptcy-to-make-them-stop/#comments</comments>
		<pubDate>Tue, 18 Jan 2011 23:38:54 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Automatic Stay Protection]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Creditor harassment]]></category>
		<category><![CDATA[Creditor protection]]></category>
		<category><![CDATA[Harassment]]></category>
		<category><![CDATA[Phone calls]]></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=3428</guid>
		<description><![CDATA[Stop Debt Collection Calls No, you don&#8217;t need to file bankruptcy in order to put a stop to harassing phone calls from debt collectors.  It is important to know that there are federal laws in place to protect you from harassmentthrough phone calls, letters, e-mails and the like. Under the Fair Debt Collection Practices Act [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Debt in Bankruptcy Articles</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/credit-card-debt-in-bankruptcy-articles/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/credit-card-debt-in-bankruptcy-articles/#comments</comments>
		<pubDate>Sun, 14 Nov 2010 01:32:31 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[bankruptcy questions]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card debt and bankruptcy]]></category>
		<category><![CDATA[credit card debt chapter 7]]></category>
		<category><![CDATA[getting out of credit card debt]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2902</guid>
		<description><![CDATA[High Interest Credit Card Debt Is One Of The Leading Causes Of Bankruptcy Most bankruptcy attorneys will tell you: credit card debt is one of the biggest problems their clients face. Unfortunately, the convenience of paying with plastic often leads to insurmountable debt and absurdly high interest rates force many families into bankruptcy. Many are [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Qualifying For Chapter 7 Bankruptcy: Timing and the Means Test</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/qualifying-for-chapter-7-bankruptcy-timing-and-the-means-test/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/qualifying-for-chapter-7-bankruptcy-timing-and-the-means-test/#comments</comments>
		<pubDate>Wed, 13 Oct 2010 18:23:33 +0000</pubDate>
		<dc:creator>Jason Schrader</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[2005 Bankruptcy reform]]></category>
		<category><![CDATA[bankruptcy qualify]]></category>
		<category><![CDATA[CA bankruptcy attorney]]></category>
		<category><![CDATA[can I still file?]]></category>
		<category><![CDATA[chapter 7 eligibility]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[decision to file bankruptcy]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[means test preclude chapter 7?]]></category>
		<category><![CDATA[Riverside]]></category>
		<category><![CDATA[too much debt]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2468</guid>
		<description><![CDATA[If you are considering filing a Chapter 7 Bankruptcy case, you may be surprised to learn that the date you file may determine your eligibility for Chapter 7. This is because you must meet one of two requirements to file a Chapter 7 case: (1) you must be below the median income for your state [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Is My Credit Card Company Suing Me?</title>
		<link>http://www.nationalbankruptcyforum.com/protecting-your-property/why-is-my-credit-card-company-suing-me/</link>
		<comments>http://www.nationalbankruptcyforum.com/protecting-your-property/why-is-my-credit-card-company-suing-me/#comments</comments>
		<pubDate>Sun, 12 Sep 2010 20:44:47 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[avoiding judgment lien]]></category>
		<category><![CDATA[credit card company lawsuit]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card lawsuit]]></category>
		<category><![CDATA[getting out of credit card debt]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2317</guid>
		<description><![CDATA[Credit Card Lawsuits You&#8217;ve received a summons and complaint from your credit card company. What to do now? Should you file for bankruptcy? First, understand that credit card debt is a type of unsecured debt, meaning that if you can&#8217;t make payments, your credit card company cannot come after your property right away. However, this all changes [...]]]></description>
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		<slash:comments>0</slash:comments>
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