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	<title>National Bankruptcy Forum &#187; emotions 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>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>
		</item>
		<item>
		<title>The Clients&#8217; Fear of the Meeting of Creditors&#8230;Is It An Interrogation?</title>
		<link>http://www.nationalbankruptcyforum.com/coping-with-stress/the-clients-fear-of-the-meeting-of-creditors-is-it-an-interrogation/</link>
		<comments>http://www.nationalbankruptcyforum.com/coping-with-stress/the-clients-fear-of-the-meeting-of-creditors-is-it-an-interrogation/#comments</comments>
		<pubDate>Fri, 10 Jun 2011 16:38:59 +0000</pubDate>
		<dc:creator>Aaron Huff</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Coping with Stress]]></category>
		<category><![CDATA[Aaron Huff]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>
		<category><![CDATA[Kentucky Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5595</guid>
		<description><![CDATA[By: G. Aaron Huff The average client who comes into the office has no idea how the bankruptcy process works.  They are entering unknown territory and many fear not only the filing of a bankruptcy in general, but also the actual process involved.  Bankruptcy involves going to court!  There will be judges!  There will be [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/coping-with-stress/the-clients-fear-of-the-meeting-of-creditors-is-it-an-interrogation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When can you file another bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/5531/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/5531/#comments</comments>
		<pubDate>Mon, 06 Jun 2011 16:22:30 +0000</pubDate>
		<dc:creator>Aaron Huff</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[Aaron Huff]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>
		<category><![CDATA[Kentucky Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5531</guid>
		<description><![CDATA[By: G. Aaron Huff In my time as an attorney practicing bankruptcy law, I have consistently seen one question arise with potential clients – “if I have filed a bankruptcy in the past, when am I allowed to file another?” In a world filled with economic uncertainties, it is a question that is asked more [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Exemptions, 401k plans, IRAs and common liquidating mistakes by well meaning debtors.</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/exemptions-401k-plans-iras-and-common-liquidating-mistakes-by-well-meaning-debtors/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/exemptions-401k-plans-iras-and-common-liquidating-mistakes-by-well-meaning-debtors/#comments</comments>
		<pubDate>Wed, 18 May 2011 01:25:23 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Bankruptcy and Your Career]]></category>
		<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Coping with Stress]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3093</guid>
		<description><![CDATA[Prologue: When contemplating this blog, I had thought to list this problem as one of my pet peeves. I decided that I would not classify this subject in that fashion, but I still mention it prominently here, since the issue troubles me greatly. Blog: Time and time again, I will counsel with well meaning debtors [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/exemptions-401k-plans-iras-and-common-liquidating-mistakes-by-well-meaning-debtors/feed/</wfw:commentRss>
		<slash:comments>1</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>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/automatic-stay-protection/the-good-news-about-bankruptcy-the-automatic-stay/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Make Paying Credit Card Debt a Low Priority in Rough Financial Times</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/make-paying-credit-card-debt-a-low-priority-in-rough-financial-times/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/make-paying-credit-card-debt-a-low-priority-in-rough-financial-times/#comments</comments>
		<pubDate>Wed, 27 Oct 2010 16:06:24 +0000</pubDate>
		<dc:creator>Jason Witt</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Can I keep my property if I file bankruptcy?]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[chapter 7 credit cards and filing bankruptcy to relieve debt]]></category>
		<category><![CDATA[chapter 7 means test]]></category>
		<category><![CDATA[decision to file bankruptcy]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>
		<category><![CDATA[letting go of a home in bankruptcy]]></category>
		<category><![CDATA[pay the mortgage not the credit cards]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>
		<category><![CDATA[qaulifying for chapter 7]]></category>
		<category><![CDATA[reduce house payments in chapter 13 bankruptcy]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>
		<category><![CDATA[unsecured creditors lawsuit]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2706</guid>
		<description><![CDATA[Should I Pay My Credit Card Bills? The recent economic downturn has caused people from all walks of life to turn to their credit cards as a life raft, hoping that they can keep bills current with the plastic until a new job comes around. Thankfully, sometimes that new job does pop up and the [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/make-paying-credit-card-debt-a-low-priority-in-rough-financial-times/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why you need to file bankruptcy. . .</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/why-you-need-to-file-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/why-you-need-to-file-bankruptcy/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 18:50:10 +0000</pubDate>
		<dc:creator>Jay Jump</dc:creator>
				<category><![CDATA[Bankruptcy and Your Career]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Marriage and Bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Anti-deficiency legislation]]></category>
		<category><![CDATA[Anti-deficiency legislation Anti-deficiency legislation BACPA Bankruptcy bankruptcy and divorce bankruptcy attorney bankruptcy discharge bankruptcy exemptions bankruptcy reform Chapter 7 Chapter 13 ba]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy and divorce]]></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[credit card debt]]></category>
		<category><![CDATA[deficiency judgments]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>
		<category><![CDATA[homestead exemption]]></category>
		<category><![CDATA[Jay Jump]]></category>
		<category><![CDATA[letting go of a home in bankruptcy]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sale tax consequences]]></category>
		<category><![CDATA[student loans and bankruptcy]]></category>
		<category><![CDATA[taxes and bankruptcy]]></category>
		<category><![CDATA[underwater home]]></category>
		<category><![CDATA[wage garnishment]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1341</guid>
		<description><![CDATA[You can villify me later. For now, I need you to read and get some perspective. Pay attention because we&#8217;re going to move fast. You need to file for bankruptcy. Let me say it again for those of you who are still shaking your head. YOU NEED to file for bankruptcy! There, I gave you [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/why-you-need-to-file-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Is my 401(k) part of the bankruptcy estate?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/is-my-401k-part-of-the-bankruptcy-estate/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/is-my-401k-part-of-the-bankruptcy-estate/#comments</comments>
		<pubDate>Tue, 01 Dec 2009 16:41:13 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[401(k) in bankruptcy]]></category>
		<category><![CDATA[cost of filing bankruptcy by state]]></category>
		<category><![CDATA[decision to file bankruptcy]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>
		<category><![CDATA[filing bankruptcy]]></category>
		<category><![CDATA[hard decision to file bankruptcy: lose retirement savings?]]></category>
		<category><![CDATA[liquidate 401(k)]]></category>
		<category><![CDATA[should I liquidate 401(k) to avoid chapter 7 bankruptcy?]]></category>
		<category><![CDATA[Supreme court Rules on 401(k) in bankruptcy]]></category>
		<category><![CDATA[Trustee liquidate 401(k)?]]></category>
		<category><![CDATA[Will I Lose retirement account to bankruptcy trustee?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=628</guid>
		<description><![CDATA[The Supreme court has ruled that transfer restrictions contained in ERISA qaulified pension plans remove the accounts from the bankruptcy estate pursuant to section 541(c)(2) of the Bankruptcy Code. Upon filing a bankruptcy case, a bankruptcy estate is created. The bankruptcy estate becomes the &#8220;owner&#8221; of all property owned by the debtor when the petition [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/is-my-401k-part-of-the-bankruptcy-estate/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Emotions and Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/emotions-and-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/emotions-and-bankruptcy/#comments</comments>
		<pubDate>Wed, 23 Sep 2009 10:17:00 +0000</pubDate>
		<dc:creator>Jay Jump</dc:creator>
				<category><![CDATA[Bankruptcy and Your Career]]></category>
		<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 11 Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Entrepreneurship]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Marriage and Bankruptcy]]></category>
		<category><![CDATA[decision to file bankruptcy]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com.php5-8.dfw1-1.websitetestlink.com/?page_id=130</guid>
		<description><![CDATA[Emotions and Bankruptcy - Jay S. Jump &#8211; Jump Law Group &#8211; Washington State &#8211; www.jumplawgroup.com One of the statements I hear most often when doing an initial client interview is &#8216;I never thought I would end up here.  I&#8217;m a complete failure.&#8217; I cringe everytime I hear it because it isn&#8217;t true.  Life is [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-and-your-career/emotions-and-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Tip: Tax Refunds Must be Disclosed Before Receipt</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/protecting-your-tax-refund-through-the-bankruptcy-process/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/protecting-your-tax-refund-through-the-bankruptcy-process/#comments</comments>
		<pubDate>Thu, 16 Jul 2009 08:50:00 +0000</pubDate>
		<dc:creator>John O'Connor</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Tax Issues]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[emotions of bankruptcy]]></category>
		<category><![CDATA[tax refunds in bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com.php5-8.dfw1-1.websitetestlink.com/?page_id=80</guid>
		<description><![CDATA[Ahh, tax season everyone&#8217;s favorite time of the year. While no one enjoys paying their taxes, most look forward to receiving their tax refund. It never hurts to have a little extra cash in the wallet. If you are considering filing for bankruptcy after January 1, it is important that you discuss how best to [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/protecting-your-tax-refund-through-the-bankruptcy-process/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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