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	<title>National Bankruptcy Forum &#187; underwater home</title>
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	<link>http://www.nationalbankruptcyforum.com</link>
	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<title>Solyndra, Inc.: The Bay Area Didn&#8217;t Need Another Fremont Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-13/solyndra-inc-the-bay-area-didnt-need-another-fremont-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-13/solyndra-inc-the-bay-area-didnt-need-another-fremont-bankruptcy/#comments</comments>
		<pubDate>Thu, 01 Sep 2011 01:15:46 +0000</pubDate>
		<dc:creator>Jon G. Brooks</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[California Bankruptcy Laws]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[lien stripping]]></category>
		<category><![CDATA[stripping second mortgage lien in bankruptcy]]></category>
		<category><![CDATA[underwater home]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7347</guid>
		<description><![CDATA[Today, Solyndra, Inc., a private Fremont, California, company that had raised more than 1 billion dollars in venture capital and had also secured a $535 million federal loan guarantee to build its new manufacturing facilities in Fremont, California, announced that it will immediately lay off 1,100 workers, shutter its brand new plant, and file for [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-13/solyndra-inc-the-bay-area-didnt-need-another-fremont-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
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		<title>Nevada Bankruptcy and Your Home</title>
		<link>http://www.nationalbankruptcyforum.com/foreclosure/nevada-bankruptcy-and-your-home/</link>
		<comments>http://www.nationalbankruptcyforum.com/foreclosure/nevada-bankruptcy-and-your-home/#comments</comments>
		<pubDate>Thu, 25 Nov 2010 20:48:31 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Nevada Bankruptcy Laws]]></category>
		<category><![CDATA[homestead exemption]]></category>
		<category><![CDATA[keep Las Vegas home in bankruptcy]]></category>
		<category><![CDATA[Las Vegas housing market]]></category>
		<category><![CDATA[letting go of a home in bankruptcy]]></category>
		<category><![CDATA[Nevada bankruptcy information]]></category>
		<category><![CDATA[Nevada housing market]]></category>
		<category><![CDATA[surrendering home]]></category>
		<category><![CDATA[surrendering real estate]]></category>
		<category><![CDATA[underwater home]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3000</guid>
		<description><![CDATA[Nevada Homestead Exemption The Nevada housing market has been especially hard hit by the Great Recession. As a result, home equity has become somewhat of a foreign concept for many Nevadans, making the state&#8217;s generous $550,000 homestead exemption a bit ironic. Nevertheless, it is possible to file bankruptcy in Nevada and keep your home if [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>If I walk away from my underwater house, can I be sued for the deficiency?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/if-i-walk-away-from-my-underwater-house-can-i-be-sued-for-the-deficiency/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/if-i-walk-away-from-my-underwater-house-can-i-be-sued-for-the-deficiency/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 21:49:45 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[deficiency judgment]]></category>
		<category><![CDATA[Mortgage Modification]]></category>
		<category><![CDATA[underwater home]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1960</guid>
		<description><![CDATA[With the current housing market in shambles, more and more people find themselves on the verge of foreclosure.  Many people find themselves in a situation where the property value is lower than it was when the property was first purchased.  This is what is referred to as an underwater mortgage, meaning that there is negative [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/bankruptcy-myths/if-i-walk-away-from-my-underwater-house-can-i-be-sued-for-the-deficiency/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>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>I Surrendered My House in Bankruptcy, You Mean To Tell Me I Still Own It?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/i-surrendered-my-house-in-bankruptcy-you-mean-to-tell-me-i-still-own-it/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/i-surrendered-my-house-in-bankruptcy-you-mean-to-tell-me-i-still-own-it/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 18:32:44 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[surrender home in bankruptcy]]></category>
		<category><![CDATA[underwater home]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=1272</guid>
		<description><![CDATA[Surrendering a Home in Bankruptcy Does Not Clear Title Well not exactly as you may picture it, but yes, you will still technically own title to your home until the bank clears the title through foreclosure. National Bankruptcy Forum contributor Jay Jump wrote an excellent post a few weeks ago explaining how a Home Owners [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/i-surrendered-my-house-in-bankruptcy-you-mean-to-tell-me-i-still-own-it/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>I&#8217;ve decided to file for bankruptcy, do I need to go through with my short sale?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/ive-decided-to-file-for-bankruptcy-do-i-need-to-go-through-with-my-short-sale/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/ive-decided-to-file-for-bankruptcy-do-i-need-to-go-through-with-my-short-sale/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 19:30:28 +0000</pubDate>
		<dc:creator>John O'Connor</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Consumer Alerts]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[modification of mortgage]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[underwater home]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=594</guid>
		<description><![CDATA[The benefit of continuing with a short sale after you&#8217;ve decided to file for bankruptcy will hinge on the type of bankruptcy you plan on filing. If you have decided to file for chapter 7 bankruptcy and are currently trying to sell a home via short sale, there is no reason to continue with the [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/ive-decided-to-file-for-bankruptcy-do-i-need-to-go-through-with-my-short-sale/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The difficult decision of whether to keep an undervalued home.</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-difficult-decision-of-whether-to-keep-an-undervalued-home/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-difficult-decision-of-whether-to-keep-an-undervalued-home/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 21:19:20 +0000</pubDate>
		<dc:creator>John C. Colwell</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[letting go of a home in bankruptcy]]></category>
		<category><![CDATA[short sale and credit]]></category>
		<category><![CDATA[underwater home]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=572</guid>
		<description><![CDATA[Attorney John C. Colwell counsels that the decision of whether and when to give up an undervalued home, should only be undertaken after speaking with a bankruptcy attorney first.]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/the-difficult-decision-of-whether-to-keep-an-undervalued-home/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Homeowners Association Dues and Foreclosure</title>
		<link>http://www.nationalbankruptcyforum.com/foreclosure/homeowners-association-dues-and-foreclosure/</link>
		<comments>http://www.nationalbankruptcyforum.com/foreclosure/homeowners-association-dues-and-foreclosure/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 11:31:00 +0000</pubDate>
		<dc:creator>Jay Jump</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Washington State Bankruptcy Law]]></category>
		<category><![CDATA[hidden cost of foreclosure]]></category>
		<category><![CDATA[HOA]]></category>
		<category><![CDATA[letting go of a home in bankruptcy]]></category>
		<category><![CDATA[underwater home]]></category>
		<category><![CDATA[Washington state]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com.php5-8.dfw1-1.websitetestlink.com/?page_id=145</guid>
		<description><![CDATA[HOA Liability and Foreclosure One of the many things we advise clients about when they come in to see us is whether or not they should walk away from their home.  Often we get client&#8217;s who are underwater with negative equity or their Adjustable Rate Mortgage is going to increase drastically and the monthly payment [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/foreclosure/homeowners-association-dues-and-foreclosure/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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