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<title>Finance:Bankruptcy-Tips-Advice Articles from EzineArticles.com</title>
<link>http://EzineArticles.com/?cat=Finance:Bankruptcy-Tips-Advice</link>
<pubDate>Wed, 15 Feb 2012 05:19:20 -0600</pubDate>
<image><title>Finance:Bankruptcy-Tips-Advice from EzineArticles.com</title>
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<title>Rebuilding Credit After A Bankruptcy Filing Is Possible</title>
<link>http://EzineArticles.com/6864899</link>
<guid>http://EzineArticles.com/6864899</guid>
<pubDate>Tue, 14 Feb 2012 08:59:01 -0600</pubDate>
<description><![CDATA[It is important for debtors to know that the major credit reporting agencies should remove a bankruptcy filing from an individual's credit after 10 years for a Chapter 7 bankruptcy and after 7 years for a Chapter 13 bankruptcy. Debtors who have faithfully complied with court ordered repayment plans and/or bankruptcy proceedings can rest easy knowing that a once tarnished credit report will no longer hinder them from reestablishing buying power and future credit. As stated, a Chapter 13 bankruptcy proceeding vanishes from the debtor's credit report after 7 years while a Chapter 7 vanishes after 10 years as if...]]></description>
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<item>
<title>Why The 2008 Financial Crisis Is A Warm Up For The Horrific Collapse Coming</title>
<link>http://EzineArticles.com/6872651</link>
<guid>http://EzineArticles.com/6872651</guid>
<pubDate>Mon, 13 Feb 2012 15:53:38 -0600</pubDate>
<description><![CDATA[Anyone who thinks the US economy is entering stages of a recovery in 2012, defiantly needs their head checked. As you read this, what is occurring is what could be termed a "hopium" phase where we are stuck in the middle of two financial crashes.]]></description>
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<title>Common Bankruptcy Myths and Misconceptions</title>
<link>http://EzineArticles.com/6867245</link>
<guid>http://EzineArticles.com/6867245</guid>
<pubDate>Mon, 13 Feb 2012 10:57:34 -0600</pubDate>
<description><![CDATA[When overwhelmed with debt, for many people, bankruptcy can be a solution towards regaining financial solvency. Unfortunately, this can often be overlooked due to the confusion and misconceptions people harbor about the process. Here, we aim to debunk some of these most common and persistent myths.]]></description>
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<item>
<title>Will Chapter 13 Bankruptcy Save My Home?</title>
<link>http://EzineArticles.com/6826410</link>
<guid>http://EzineArticles.com/6826410</guid>
<pubDate>Thu, 09 Feb 2012 15:34:34 -0600</pubDate>
<description><![CDATA[With millions of Americans facing foreclosure every year, all options should be explored to determine how to save a home. Chapter 13 bankruptcy may be such an option.]]></description>
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<item>
<title>Bankruptcy Or Unpaid Debt Can Ruin Your Life</title>
<link>http://EzineArticles.com/6845070</link>
<guid>http://EzineArticles.com/6845070</guid>
<pubDate>Tue, 07 Feb 2012 10:43:24 -0600</pubDate>
<description><![CDATA[Looking for a job and or a promotion and you filed bankruptcy in the recent past? Let's say within the last 7-10 years. First and foremost it is illegal for an employer not to hire or promote a possible employee or current employee because this person has filed and been discharged or is currently paying back debt within a bankruptcy. This is illegal, but it is legal to consider bad credit, which usually comes before a bankruptcy.]]></description>
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<item>
<title>Choosing a Bankruptcy Trustee</title>
<link>http://EzineArticles.com/6854586</link>
<guid>http://EzineArticles.com/6854586</guid>
<pubDate>Fri, 03 Feb 2012 16:20:39 -0600</pubDate>
<description><![CDATA[In times of financial difficulty, one of the most common mistakes is to delay seeking professional advice. Seeking the advice of the right bankruptcy trustee is often a determining factor in solving debt problems efficiently and as painlessly as possible. Choosing the right trustee is an important part of debt resolution.]]></description>
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<title>Should You Continue To Pay Your Bills After Filing Chapter 7 Bankruptcy?</title>
<link>http://EzineArticles.com/6840954</link>
<guid>http://EzineArticles.com/6840954</guid>
<pubDate>Fri, 03 Feb 2012 08:59:01 -0600</pubDate>
<description><![CDATA[It is not uncommon for a person who is preparing to file Chapter 7 bankruptcy to question whether or not they should continue to try and pay their bills. Most people that are in the position of filing bankruptcy are already behind on many of their bills. They may only pay the bills they feel are the priority while letting the other ones fall behind.]]></description>
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<title>Where to Learn More About Bankruptcy in Maryland</title>
<link>http://EzineArticles.com/6857500</link>
<guid>http://EzineArticles.com/6857500</guid>
<pubDate>Thu, 02 Feb 2012 17:08:48 -0600</pubDate>
<description><![CDATA[Before you hire bankruptcy lawyers in Maryland, you need to know everything that you can so you can completely understand this procedure and what it will mean for your future. Use this guide to find a collection of resources to help you learn more about filing bankruptcy in Maryland.]]></description>
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<item>
<title>Filing for Chapter 7 Bankruptcy in Maryland</title>
<link>http://EzineArticles.com/6857467</link>
<guid>http://EzineArticles.com/6857467</guid>
<pubDate>Thu, 02 Feb 2012 16:22:24 -0600</pubDate>
<description><![CDATA[If you've been considering filing for chapter 7 bankruptcy in Maryland, then you need to know what to expect, what the guidelines are, and whether or not you'll be eligible. Use this guide to learn more from an experience bankruptcy attorney in Maryland.]]></description>
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<item>
<title>Why Working With a Local Bankruptcy Attorney Is So Important</title>
<link>http://EzineArticles.com/6857426</link>
<guid>http://EzineArticles.com/6857426</guid>
<pubDate>Thu, 02 Feb 2012 15:23:43 -0600</pubDate>
<description><![CDATA[If you are considering filing for bankruptcy, then you need to know what to expect, and what you can do. Working with a local bankruptcy attorney will be crucial for your success.]]></description>
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<item>
<title>What To Expect At Your Chapter 7 Bankruptcy Meeting</title>
<link>http://EzineArticles.com/6848279</link>
<guid>http://EzineArticles.com/6848279</guid>
<pubDate>Wed, 01 Feb 2012 15:41:54 -0600</pubDate>
<description><![CDATA[Getting to know more about bankruptcy information is very important especially if you don't want to be cheated in any issue. If you're getting set to attend a Chapter 7 Bankruptcy meeting, there are certain points and conditions you need to expect. You'll always succeed in securing the right information when you know the right steps to take.]]></description>
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<title>Can I Get Rid of a Judgment Lien When Filing a Chapter 7 Bankruptcy?</title>
<link>http://EzineArticles.com/6847951</link>
<guid>http://EzineArticles.com/6847951</guid>
<pubDate>Mon, 30 Jan 2012 13:53:46 -0600</pubDate>
<description><![CDATA[In a Chapter 7 bankruptcy you are not be able to avoid junior mortgages or equity lines of credit (considered to be consensual liens) on your property even if your house is underwater. Treatment of underwater liens is different in a Chapter 7 case then a Chapter 13 case. However, the good news is that you can avoid a judgment lien in a Chapter 7, thereby removing the judgment lien from your real property.]]></description>
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<title>Ten Things You Should Do Before Filing Bankruptcy</title>
<link>http://EzineArticles.com/6836097</link>
<guid>http://EzineArticles.com/6836097</guid>
<pubDate>Thu, 26 Jan 2012 08:10:27 -0600</pubDate>
<description><![CDATA[In order to file bankruptcy, there are several steps that need to be taken and certain information you should obtain prior to filing for bankruptcy. This will expedite the process and make everything much easier for you. Please find the ten most important things to do before you file bankruptcy in this article.]]></description>
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<title>What Are the Different Chapters of the Bankruptcy Code?</title>
<link>http://EzineArticles.com/6833030</link>
<guid>http://EzineArticles.com/6833030</guid>
<pubDate>Wed, 25 Jan 2012 08:00:08 -0600</pubDate>
<description><![CDATA[The Bankruptcy Code is found in Title 11 of the United States Code. There are nine chapters of the Bankruptcy Code (Chapter 1 General Provisions; Chapter 3 Case Administration; Chapter 5 Creditors, the Debtor, and the Estate; Chapter 7 Liquidation; Chapter 9 Adjustment of Debts of a Municipality; Chapter 11 Reorganization; Chapter 12 Adjustment of Debts of a Family Farmer or Fisherman with Regular Annual Income; Chapter 13 Adjustment of Debts of Individual with Regular Income and Chapter 15 Ancillary and Other Cross-Border Cases.]]></description>
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<title>What Is a Bankruptcy Preference and How Can I Defend Against a Preference Claim?</title>
<link>http://EzineArticles.com/6833038</link>
<guid>http://EzineArticles.com/6833038</guid>
<pubDate>Wed, 25 Jan 2012 07:59:18 -0600</pubDate>
<description><![CDATA[A preference is basically a payment made by a debtor to a creditor prior to the debtor filing for bankruptcy protection. Yes, even though you are owed the money the debtor or trustee in the bankruptcy case can request and sue you for the return of the payment you received from the debtor during the 90 days prior to the case being filed. The theory is that you were preferred over another creditor given that you were paid and they were not. To make things fair you should have to return the payment and all creditors then share the money instead of you receiving it entirely.]]></description>
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<title>Duties of the Debtor and Federal Rule of Bankruptcy Procedure 4002</title>
<link>http://EzineArticles.com/6833027</link>
<guid>http://EzineArticles.com/6833027</guid>
<pubDate>Wed, 25 Jan 2012 07:57:05 -0600</pubDate>
<description><![CDATA[There are a number of duties a debtor must comply with when filing bankruptcy. Federal Rule of Bankruptcy Procedure (FRBP) 4002 provides in detail some of the duties of a debtor once a bankruptcy petition for relief is filed.]]></description>
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<title>Should I Fear The Chapter 7 Bankruptcy Trustee?</title>
<link>http://EzineArticles.com/6817503</link>
<guid>http://EzineArticles.com/6817503</guid>
<pubDate>Tue, 24 Jan 2012 08:59:01 -0600</pubDate>
<description><![CDATA[Many people filing Chapter 7 bankruptcy fear meeting with the bankruptcy trustee. There has been a lot of misinformation floating around out there about how tough and uncaring the bankruptcy trustee is when it comes to hearing an individual's bankruptcy case at the 341 meeting, or meeting of the creditors as it is also called. The debtor's also fear coming face to face with their creditors who will also be at this meeting to interrogate them about neglecting to pay their bills.]]></description>
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<title>7 Scary Facts You May Not Know About Filing Bankruptcy</title>
<link>http://EzineArticles.com/6818365</link>
<guid>http://EzineArticles.com/6818365</guid>
<pubDate>Mon, 16 Jan 2012 15:59:49 -0600</pubDate>
<description><![CDATA[Some people may think that once you file for bankruptcy all your debt simply goes away. This is not true. If your debt is simply more than you can handle, you need to know these 7 facts. Filing Bankruptcy Will Cost You More Than You Think.]]></description>
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<title>What Debts Cannot Be Discharged In Bankruptcy?</title>
<link>http://EzineArticles.com/6801089</link>
<guid>http://EzineArticles.com/6801089</guid>
<pubDate>Tue, 10 Jan 2012 19:00:47 -0600</pubDate>
<description><![CDATA[The good news is that most debts are usually dischargeable. A discharge eliminates the legal obligation to pay the debt that was discharged and prohibits any and all collection actions to attempt to collect the discharged debt.]]></description>
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<title>How to Avoid Bankruptcy and Negotiate a Good Debt Settlement</title>
<link>http://EzineArticles.com/6793753</link>
<guid>http://EzineArticles.com/6793753</guid>
<pubDate>Thu, 05 Jan 2012 19:02:08 -0600</pubDate>
<description><![CDATA[Although everyone that is in serious debt would like to avoid bankruptcy, like never before, Americans are experiencing immense financial burdens. And unfortunately, many think bankruptcy is the only way out of their debt crisis.]]></description>
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<title>When Is It A Good Time To File Bankruptcy?</title>
<link>http://EzineArticles.com/6765069</link>
<guid>http://EzineArticles.com/6765069</guid>
<pubDate>Mon, 26 Dec 2011 09:59:01 -0600</pubDate>
<description><![CDATA[Over the last couple years the topic of filing bankruptcy has become front and center. Many corporations and small businesses alike have had to face the facts and file for bankruptcy. Today, most Americans are severely in debt, mostly to credit card companies.]]></description>
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<title>Bankruptcy? Don't Even Think About It! Listen to the Presettlement Funding Companies</title>
<link>http://EzineArticles.com/6605061</link>
<guid>http://EzineArticles.com/6605061</guid>
<pubDate>Fri, 23 Dec 2011 10:11:12 -0600</pubDate>
<description><![CDATA[Bankruptcy is a problem that many people struggle with every day, whether you know it or not. There are certain ways to take care of it, and some are much better than others. You can't just stand on a chair in the middle of your office and shout, "I declare bankruptcy!]]></description>
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<title>Does The Bankruptcy Attorney Have To Include All My Debts?</title>
<link>http://EzineArticles.com/6759051</link>
<guid>http://EzineArticles.com/6759051</guid>
<pubDate>Thu, 22 Dec 2011 09:59:01 -0600</pubDate>
<description><![CDATA[Most people that are filing bankruptcy usually have a large number of credit cards in addition to their other debts. In many cases, the interest from credit card debt is what pushed them over the edge into the bankruptcy filing. People that are addicted to using their credit cards usually have one favorite credit card that they try to keep a lower balance so they don't lose the ability to charge on that account.]]></description>
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<title>Overspent During The Holidays? Hire A Bankruptcy Attorney For A New Year's Resolution</title>
<link>http://EzineArticles.com/6756264</link>
<guid>http://EzineArticles.com/6756264</guid>
<pubDate>Tue, 20 Dec 2011 08:59:01 -0600</pubDate>
<description><![CDATA[Once again, the holiday season is in full swing with the malls packed with individual's spending money they don't have. What's interesting is the early holiday sales reports shows an increase in business and it seems that everything is getting back to normal. Or is it just that Americans are spending money they don't have by charging it.]]></description>
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<title>5 Easy Tips in Handling Financial Crisis</title>
<link>http://EzineArticles.com/6764624</link>
<guid>http://EzineArticles.com/6764624</guid>
<pubDate>Mon, 19 Dec 2011 14:28:00 -0600</pubDate>
<description><![CDATA[No matter how deep in trouble you are in terms of your finances, there are proven ways to help you get out of your difficult situation. Some experts consider these as the most common and the easiest methods that any person can try.]]></description>
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<title>Using A Bankruptcy Attorney To Budget</title>
<link>http://EzineArticles.com/6747736</link>
<guid>http://EzineArticles.com/6747736</guid>
<pubDate>Fri, 16 Dec 2011 08:59:01 -0600</pubDate>
<description><![CDATA[In today's tough economy, many Americans are forced to live on their credit cards as a way to make ends meet. This type of lifestyle with no obvious budgeting only will lead to bankruptcy. It's only a matter of time before the balance on the credit cards get so high that it will be impossible to ever pay them off.]]></description>
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<title>Trying To Avoid Filing Bankruptcy? Ask A Bankruptcy Attorney First</title>
<link>http://EzineArticles.com/6739967</link>
<guid>http://EzineArticles.com/6739967</guid>
<pubDate>Thu, 15 Dec 2011 09:59:01 -0600</pubDate>
<description><![CDATA[As the US economy continues to slide down a slippery slope, more and more individuals are facing the fact that filing bankruptcy might be in their future or even in the future of their employer. When used correctly, a bankruptcy filing can be a lifesaver allowing an individual to protect their home and household assets from creditors. Although it should be used as a last option, many times people wait until it's too late to file for bankruptcy costing them the loss of property and finances that could've been protected if they filed in a timely manner.]]></description>
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<title>Filing Bankruptcy? Besides A Bankruptcy Attorney What Else Do I Need?</title>
<link>http://EzineArticles.com/6739944</link>
<guid>http://EzineArticles.com/6739944</guid>
<pubDate>Tue, 13 Dec 2011 08:59:01 -0600</pubDate>
<description><![CDATA[It's becoming inevitable that many Americans are going to end up filing bankruptcy in the next few years. Even if an individual feels the bankruptcy is going to pass over their household, it's a good idea to be prepared. Recently, even the mainstream media is picking up on the debt crisis that's happening in Europe.]]></description>
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<title>Today, Filing Bankruptcy Might Be A Great Investment</title>
<link>http://EzineArticles.com/6737297</link>
<guid>http://EzineArticles.com/6737297</guid>
<pubDate>Mon, 12 Dec 2011 09:59:01 -0600</pubDate>
<description><![CDATA[Spending money to file for bankruptcy almost sounds counterproductive, but it could be the best investment your family ever made. In today's economy, banks are only paying barely 1% for money in one's savings account. The volatility of the stock market makes it a terrible investment for anyone that needs a long-term return.]]></description>
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<title>Are You Behind on Your Mortgage Payments?</title>
<link>http://EzineArticles.com/6729994</link>
<guid>http://EzineArticles.com/6729994</guid>
<pubDate>Tue, 06 Dec 2011 15:48:36 -0600</pubDate>
<description><![CDATA[If you are behind on your mortgage payments bankruptcy can help. If you can afford to pay back the arrears over time in a chapter 13 plan of reorganization, one of the questions you may have is whether you will have to pay interest on the arrears in your Chapter 13 plan.]]></description>
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<title>A Bankruptcy Attorney Can Advise Clients On Proper Documentation</title>
<link>http://EzineArticles.com/6724830</link>
<guid>http://EzineArticles.com/6724830</guid>
<pubDate>Tue, 06 Dec 2011 08:59:01 -0600</pubDate>
<description><![CDATA[Ever since Congress passed the Bankruptcy Abuse Prevention And Consumer Protection Act it has become a lot more complicated to file for bankruptcy. Many people filing bankruptcy after being inundated with questions and having to gather up documentation have come up with the conclusion that the BAPCPA was created by Congress to discourage Americans from filing bankruptcy. Although, the changes made it more complicated, individuals in financial trouble should not get discouraged and just grind it out with the help of a bankruptcy lawyer.]]></description>
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<title>Moving Out Of State And Filing Bankruptcy</title>
<link>http://EzineArticles.com/6717468</link>
<guid>http://EzineArticles.com/6717468</guid>
<pubDate>Fri, 02 Dec 2011 08:59:01 -0600</pubDate>
<description><![CDATA[Ever since the financial meltdown in 2008, the rest of the economy has continued to slide down the slippery slope. Over the last few years real estate has continued to drop in value sending many Americans into foreclosure. When real estate goes into the tank, the rest of the economy follows.]]></description>
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<title>Shaking Bankruptcy Off Of You</title>
<link>http://EzineArticles.com/6709760</link>
<guid>http://EzineArticles.com/6709760</guid>
<pubDate>Wed, 23 Nov 2011 17:06:20 -0600</pubDate>
<description><![CDATA[There are better options other than bankruptcy. Chapter 7 and Chapter 13 bankruptcies are not necessary. You just need to know your options better and be equipped with the right set of knowledge.]]></description>
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<title>Discharging Student Loans As Part of a Bankruptcy</title>
<link>http://EzineArticles.com/6704624</link>
<guid>http://EzineArticles.com/6704624</guid>
<pubDate>Wed, 23 Nov 2011 09:29:25 -0600</pubDate>
<description><![CDATA[If you owe student loans, bankruptcy will not provide you with much help. But given the economic climate I predict this will change in the next 5-10 years.]]></description>
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<title>Declaring Bankruptcy Means Living Within Your Budget</title>
<link>http://EzineArticles.com/6707713</link>
<guid>http://EzineArticles.com/6707713</guid>
<pubDate>Tue, 22 Nov 2011 10:23:26 -0600</pubDate>
<description><![CDATA[You've heard the words over and over: if you've declared bankruptcy, you need to learn how to live within a budget. Like with most things, a budget looks great on paper - yet can be one of the hardest things to follow, especially if you have a family. Fortunately, living within your means isn't impossible; with practice, you can make your budget work for your lifestyle, and even have some leftover income to put towards your savings.]]></description>
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<item>
<title>Tips in Avoiding Bankruptcy</title>
<link>http://EzineArticles.com/6703693</link>
<guid>http://EzineArticles.com/6703693</guid>
<pubDate>Mon, 21 Nov 2011 17:29:47 -0600</pubDate>
<description><![CDATA[If you want your debts to all be settled, you can just file for bankruptcy. But, this is not as pleasant as it seems. Arriving at a bankrupt state means that you no longer have other options that you can use to pay off your debt. So, as much as possible, not one company or individual will want to be in this situation.]]></description>
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<title>Should You Negotiate A Credit Card Debt Settlement Outside Of Bankruptcy?</title>
<link>http://EzineArticles.com/6700656</link>
<guid>http://EzineArticles.com/6700656</guid>
<pubDate>Fri, 18 Nov 2011 12:17:30 -0600</pubDate>
<description><![CDATA[Some debtors considering bankruptcy are also considering whether it's in their best interest to negotiate a credit card settlement outside of bankruptcy instead. Below are a few things each debtor should consider before they take the leap into a credit card debt settlement: Where Are You In The Collections Process? If a debtor has only just recently defaulted on their credit card debt and they have very little or no other debts to speak of, then filing bankruptcy might not be the best option.]]></description>
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<item>
<title>What Happens During Bankruptcy?</title>
<link>http://EzineArticles.com/6692897</link>
<guid>http://EzineArticles.com/6692897</guid>
<pubDate>Thu, 17 Nov 2011 09:56:39 -0600</pubDate>
<description><![CDATA[What happens during bankruptcy depends primarily on the chapter of the bankruptcy code you file under. The most common bankruptcy is the filing of a consumer no asset chapter 7 bankruptcy. The next most common cases are consumer chapter 13 reorganizations and asset chapter 7 bankruptcy cases.]]></description>
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<item>
<title>The Top 10 Things To Do Before Filing Bankruptcy</title>
<link>http://EzineArticles.com/6690098</link>
<guid>http://EzineArticles.com/6690098</guid>
<pubDate>Wed, 16 Nov 2011 15:02:46 -0600</pubDate>
<description><![CDATA[After meeting with hundreds and hundreds of potential clients during our free consultations the same issues arise over and over again. The following are the top ten most common issues that should be addressed or followed prior to filing either a chapter 7 bankruptcy or chapter 13 bankruptcy case.]]></description>
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<item>
<title>How to Select a Trustee for Bankruptcy</title>
<link>http://EzineArticles.com/6686759</link>
<guid>http://EzineArticles.com/6686759</guid>
<pubDate>Mon, 14 Nov 2011 15:21:42 -0600</pubDate>
<description><![CDATA[Choosing the right bankruptcy trustee is important to ensure that you are aware of all your options and that you get the best settlement at the end of the process. A bankruptcy trustee does not work either for you or for your creditors. Instead, they act as sort of a mediator or referee between the different parties involved in the bankruptcy case.]]></description>
</item>
<item>
<title>How Do Social Security Benefits Affect My Bankruptcy Case?</title>
<link>http://EzineArticles.com/6681824</link>
<guid>http://EzineArticles.com/6681824</guid>
<pubDate>Fri, 11 Nov 2011 13:10:52 -0600</pubDate>
<description><![CDATA[These days, most Americans use credit cards in one form or another and carry a balance each month. Everyone has been affected by the economic meltdown. People living off social security benefits are no exception. If you are in over your head and in a lot of debt, and receive social security benefits, you may be wondering if receiving social security benefits will affect your ability to file a bankruptcy case. The answer depends on your specific financial situation.]]></description>
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<item>
<title>On The Road To Being Debt Free - Your Credit Life After Bankruptcy</title>
<link>http://EzineArticles.com/6676732</link>
<guid>http://EzineArticles.com/6676732</guid>
<pubDate>Fri, 11 Nov 2011 08:59:01 -0600</pubDate>
<description><![CDATA[With the tough economic climate these days, there are over 1.5 million people expected to file for bankruptcy this year alone. For many people the decision to file for bankruptcy is a hard one.]]></description>
</item>
<item>
<title>Mistakes to Avoid When Filing for Bankruptcy</title>
<link>http://EzineArticles.com/6681236</link>
<guid>http://EzineArticles.com/6681236</guid>
<pubDate>Wed, 09 Nov 2011 13:29:21 -0600</pubDate>
<description><![CDATA[Bankruptcy is a very serious court proceeding, one that will affect your life for the next ten years. Understanding what takes place during a bankruptcy, and knowing what each Chapter of bankruptcy means for you and your creditors will help you avoid some of the most common mistakes that take place during these proceedings.]]></description>
</item>
<item>
<title>Filing Bankruptcy And Credit Counseling</title>
<link>http://EzineArticles.com/6673405</link>
<guid>http://EzineArticles.com/6673405</guid>
<pubDate>Tue, 08 Nov 2011 08:59:01 -0600</pubDate>
<description><![CDATA[In 2005 Congress passed new legislation that changed the existing bankruptcy system. The basic idea was to make filing bankruptcy harder to qualify for, particularly Chapter 7, and push more debtors into Chapter 13 bankruptcy. A Chapter 7 is basically where an individual can wipe out all unsecured debt with little or no cost to the debtor other than filing and attorneys fees.]]></description>
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<item>
<title>What Expenditure Can Be Put Down in a Bankruptcy Statement of Affairs</title>
<link>http://EzineArticles.com/6660893</link>
<guid>http://EzineArticles.com/6660893</guid>
<pubDate>Tue, 01 Nov 2011 10:09:17 -0500</pubDate>
<description><![CDATA[I am often asked what expenditure can be included in a statements of affairs. Quite rightly someone going bankrupt wants to be able to include in their list of outgoings everything that they spend each month. Actually this is also very important because the Official Receiver is entitled to take any money that is deemed as surplus to an individual's requirement for the benefit of creditors.]]></description>
</item>
<item>
<title>Making Monthly Payments During Bankruptcy</title>
<link>http://EzineArticles.com/6651548</link>
<guid>http://EzineArticles.com/6651548</guid>
<pubDate>Fri, 28 Oct 2011 15:34:47 -0500</pubDate>
<description><![CDATA[Automatic payments are a convenient way to pay your bills. An automatic payment is an arrangement for a specific amount of money to go from your bank account to the recipient's bank account. Automatic payments are useful to pay monthly bills that do not change, like a monthly car or mortgage payment.]]></description>
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<title>Bankruptcy Filing Fees Increase As of November 1, 2011</title>
<link>http://EzineArticles.com/6644245</link>
<guid>http://EzineArticles.com/6644245</guid>
<pubDate>Thu, 27 Oct 2011 09:07:39 -0500</pubDate>
<description><![CDATA[Due to the increased cost of living, you have already experienced increased prices everywhere - from the price of gas to the price of food and the overall increase of prices for all items. Well, it appears that the bankruptcy courts are no different. Starting November 1, 2011, a lot of the fees related to filing documents in your bankruptcy case will be increasing.]]></description>
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<item>
<title>Selling Abandoned Corporate Assets in Bankruptcy</title>
<link>http://EzineArticles.com/6639870</link>
<guid>http://EzineArticles.com/6639870</guid>
<pubDate>Wed, 26 Oct 2011 14:42:57 -0500</pubDate>
<description><![CDATA[What happens if the Trustee makes the decision not to go after old accounts receivable and in fact abandons those particular assets? Your company has ceased operations and the bankruptcy has effectively closed the business forever. Yet there are companies or individuals out there, who still owe money to products or services received. Who now has the right to try and collect those debts? What can happen now is that the business owners do have the right to try and collect.]]></description>
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<item>
<title>Avoiding Bankruptcy During Divorce: How to Protect Your Finances</title>
<link>http://EzineArticles.com/6639993</link>
<guid>http://EzineArticles.com/6639993</guid>
<pubDate>Thu, 20 Oct 2011 16:18:56 -0500</pubDate>
<description><![CDATA[No matter how friendly - or acrimonious - the relationship, going through divorce proceedings is a massive red flag for bankruptcy. Not only is your way of life at risk (after all, your income is essentially divided by half), but your finances are at risk as well. As your credit cards, bank accounts and other financial statements are accessible by your ex-spouse, it's important to take steps to protect your credit.]]></description>
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<item>
<title>Repair Your Credit Score After Bankruptcy</title>
<link>http://EzineArticles.com/6626799</link>
<guid>http://EzineArticles.com/6626799</guid>
<pubDate>Tue, 18 Oct 2011 11:44:42 -0500</pubDate>
<description><![CDATA[Have a bankruptcy on your credit report? You might be surprised to discover how YOU can rebuild your credit!]]></description>
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<item>
<title>Managing Student Loan Debt Outside Of Bankruptcy</title>
<link>http://EzineArticles.com/6631616</link>
<guid>http://EzineArticles.com/6631616</guid>
<pubDate>Mon, 17 Oct 2011 12:37:58 -0500</pubDate>
<description><![CDATA[Student loan debt is becoming one of the fastest growing sources of debt among young adults today. The struggling economy has yet to provide the influx of entry-level positions graduates were promised in exchange for getting their education. With few employment options and overwhelming student loan debt, many graduates have been forced to seek debt relief solutions such as bankruptcy.]]></description>
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<item>
<title>Garnishment Laws</title>
<link>http://EzineArticles.com/6614618</link>
<guid>http://EzineArticles.com/6614618</guid>
<pubDate>Thu, 13 Oct 2011 15:09:19 -0500</pubDate>
<description><![CDATA[Garnishment is the result of a lawsuit and the enforcement of the judgment obtained in the lawsuit. The good news is that filing for bankruptcy protection will stop the wage garnishment and get rid of the lawsuit forever.]]></description>
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<item>
<title>What About After a Chapter 7 or Chapter 13 Bankruptcy Discharge?</title>
<link>http://EzineArticles.com/6614614</link>
<guid>http://EzineArticles.com/6614614</guid>
<pubDate>Thu, 13 Oct 2011 15:01:48 -0500</pubDate>
<description><![CDATA[Once your debts are discharged in your bankruptcy case and the case is closed, you would think that it is all over and you can start fresh. Most of the time, this is definitely true. However, once in a while, your creditors pretend they have never heard of the bankruptcy code and try to collect from you. So what do you do to protect yourself?]]></description>
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<item>
<title>Chapter 13 Can Help Defeat The Foreclosure Crisis</title>
<link>http://EzineArticles.com/6611557</link>
<guid>http://EzineArticles.com/6611557</guid>
<pubDate>Wed, 12 Oct 2011 13:49:31 -0500</pubDate>
<description><![CDATA[Many of today's homeowners have more than one mortgage on their home and are struggling to pay multiple mortgages. Some people are simply "walking away" from their homes because the value of their home is significantly less than the balances of their mortgages. However, I am convinced that thousands of homeowners would be in a position to keep their homes if these second and other junior mortgages were eliminated.]]></description>
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<item>
<title>I Can't Afford to File Bankruptcy, So Why Should I Bother?</title>
<link>http://EzineArticles.com/6620218</link>
<guid>http://EzineArticles.com/6620218</guid>
<pubDate>Wed, 12 Oct 2011 09:19:43 -0500</pubDate>
<description><![CDATA[For many of us, the term "financial hardship" is just the politically correct way to say "I'm broke!" No one plans to be broke, no one plans to stay broke. When things get that difficult the only planning that should be done is working on those things that are going to improve the situation. When a person has reached a point where considering bankruptcy is off the table because it's simply unaffordable, you might hear them say something like, "if I could afford to pay for bankruptcy, I could probably afford to pay my bills." This statement may sound sensible at first glance, but it is something that needs realistic examination.]]></description>
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<item>
<title>12 Reasons Why Chapter 7 Bankruptcy Isn't Sexy Debt Relief</title>
<link>http://EzineArticles.com/6579234</link>
<guid>http://EzineArticles.com/6579234</guid>
<pubDate>Mon, 10 Oct 2011 14:03:52 -0500</pubDate>
<description><![CDATA[Chapter 7 may the right solution to completely wipe out debt if you're struggling to pay your bills. But, the ugly truths of this bankruptcy solution suggest that you get to know your bankruptcy alternatives. Being informed is the key to finding debt relief that won't sink you deeper in the hole.]]></description>
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<item>
<title>Married And Filing Bankruptcy - What To Do?</title>
<link>http://EzineArticles.com/6612581</link>
<guid>http://EzineArticles.com/6612581</guid>
<pubDate>Mon, 10 Oct 2011 09:59:02 -0500</pubDate>
<description><![CDATA[When filing bankruptcy, it's pretty common to have a married couple filed jointly. Many times, it's not in the best interest of the couple to file for bankruptcy jointly. That's why it's important to meet with a bankruptcy attorney when a couple is filing Chapter 7 bankruptcy.]]></description>
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<item>
<title>Borrowing From Friends Before Filing Bankruptcy</title>
<link>http://EzineArticles.com/6610137</link>
<guid>http://EzineArticles.com/6610137</guid>
<pubDate>Sat, 08 Oct 2011 08:59:01 -0500</pubDate>
<description><![CDATA[You can't turn on the news these days without hearing something about the economic crisis. It seems that Europe is on the verge of collapse and different governments are scrambling to plug holes in a sinking ship. It seems failure of the euro is becoming inevitable.]]></description>
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<item>
<title>Cram Downs In Bankruptcy</title>
<link>http://EzineArticles.com/6598563</link>
<guid>http://EzineArticles.com/6598563</guid>
<pubDate>Thu, 06 Oct 2011 08:09:23 -0500</pubDate>
<description><![CDATA[One of the most useful tools is bankruptcy is called the "cram down." This allows debtors using Chapter 13 bankruptcy, with a car loan, to pay the value of the car instead of the amount owing on the loan. Learn about how this works and about potential caveats with this article.]]></description>
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<item>
<title>Can I Live in Eire and Go Bankrupt in Northern Ireland?</title>
<link>http://EzineArticles.com/6601757</link>
<guid>http://EzineArticles.com/6601757</guid>
<pubDate>Tue, 04 Oct 2011 16:30:45 -0500</pubDate>
<description><![CDATA[The fact is that that if you have lived in the UK for less than 12 months, the OR can look into whether you are living here. It doesn't mean he will. If you have settled and there is evidence of that you are entitled to present your petition to the court in which you reside after three months. From there it is all about evidence and fact.]]></description>
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<item>
<title>Yes, There Is Life After Bankruptcy</title>
<link>http://EzineArticles.com/6602054</link>
<guid>http://EzineArticles.com/6602054</guid>
<pubDate>Tue, 04 Oct 2011 15:05:59 -0500</pubDate>
<description><![CDATA[Many people who had no other choice but to declare bankruptcy despair that maybe they will no longer have a life after bankruptcy. Unfortunately, many people take the easy way out, leaving a grieving family behind without support and without their loved one.]]></description>
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<item>
<title>Is It Important How Expenses Are Calculated When Filing Bankruptcy?</title>
<link>http://EzineArticles.com/6592246</link>
<guid>http://EzineArticles.com/6592246</guid>
<pubDate>Fri, 30 Sep 2011 12:40:39 -0500</pubDate>
<description><![CDATA[So you just withdrew $100 from your bank account, and by the end of the day you have $12 left, but you have nothing to show for it. Where did you spend your $88? What did you spend it on? If you're like most people you probably have no idea. Most people do not have a clue how much they actually spend on their monthly expenses. If you don't know how much you're spending, how do you know how much you should be budgeting?]]></description>
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<item>
<title>How to File Bankruptcy For Free</title>
<link>http://EzineArticles.com/6559268</link>
<guid>http://EzineArticles.com/6559268</guid>
<pubDate>Fri, 30 Sep 2011 11:54:13 -0500</pubDate>
<description><![CDATA[Can I file bankruptcy for free is a very common question. After lots of research, I have decided to write this article to try and answer this question.]]></description>
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<item>
<title>Will Chapter 7 Bankruptcy Debt Forgiveness End My Consumer Debt?</title>
<link>http://EzineArticles.com/6551855</link>
<guid>http://EzineArticles.com/6551855</guid>
<pubDate>Fri, 30 Sep 2011 09:32:20 -0500</pubDate>
<description><![CDATA[If you need debt forgiveness, don't be surprised if chapter 7 bankruptcy can't totally wipe out your consumer debt. The United States Bankruptcy Code lists a sizable amount of debts you won't be able to discharge. Learn the surprising facts.]]></description>
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<item>
<title>9 Reasons Why Chapter 13 Bankruptcy Isn't Sexy Debt Consolidation</title>
<link>http://EzineArticles.com/6562330</link>
<guid>http://EzineArticles.com/6562330</guid>
<pubDate>Fri, 30 Sep 2011 09:14:18 -0500</pubDate>
<description><![CDATA[In finding strong debt relief, you should know all the pros and cons of chapter 13 bankruptcy. The cons may make you think twice about this option for debt consolidation. Knowing your bankruptcy alternatives will help you make a sound financial decision.]]></description>
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<item>
<title>Revesting of Property of the Estate Upon Confirmation of the Chapter 13 Plan and the Automatic Stay</title>
<link>http://EzineArticles.com/6581909</link>
<guid>http://EzineArticles.com/6581909</guid>
<pubDate>Wed, 28 Sep 2011 10:12:28 -0500</pubDate>
<description><![CDATA[Usually one of the normal plan provisions is that the debtor elects to have the property of the bankruptcy estate revest in the person who files bankruptcy, the debtor, at the time the chapter 13 plan is confirmed. Right, why not? The Chapter 13 Trustee does not want the liability of the property continuing to be in bankruptcy estate. The debtor should have the right to sell or refinance real and personal property after the chapter 13 plan is confirmed. It is their property.]]></description>
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<item>
<title>Is Avoiding Bankruptcy Good Advice?</title>
<link>http://EzineArticles.com/6577215</link>
<guid>http://EzineArticles.com/6577215</guid>
<pubDate>Fri, 23 Sep 2011 10:13:28 -0500</pubDate>
<description><![CDATA[I know that seems like an illogical title. Of course, avoiding bankruptcy is a great idea! However, the time to avoid bankruptcy is before you find yourself struggling with crushing debt. No one wants to file bankruptcy, no one plans to file bankruptcy, and certainly we should do everything in our power to avoid bankruptcy. It seems however, that the only time so much emphasis is placed on avoiding bankruptcy is at a point in time when we have reached a financial crisis.]]></description>
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<item>
<title>What Happens If You Have Gambling Debts Prior to Filing Bankruptcy?</title>
<link>http://EzineArticles.com/6569523</link>
<guid>http://EzineArticles.com/6569523</guid>
<pubDate>Thu, 22 Sep 2011 14:14:40 -0500</pubDate>
<description><![CDATA[Whether you suffered a huge loss because you have a gambling addiction, or just had bad luck in the casinos that one time, you now owe the casino money. The question is: what happens if you are unable to pay the casinos back? Can you file for bankruptcy to have the debt discharged? The answer depends on how the funds were obtained.]]></description>
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<item>
<title>Should I File Bankruptcy?</title>
<link>http://EzineArticles.com/6569737</link>
<guid>http://EzineArticles.com/6569737</guid>
<pubDate>Thu, 22 Sep 2011 13:57:52 -0500</pubDate>
<description><![CDATA[This is a common question, "Should I file bankruptcy?" Well, that depends upon many factors and only the person who is actually filing for bankruptcy protection can answer that. Bankruptcy is designed to provide an individual or business filing for bankruptcy relief from their creditors and discharge their eligible debts. After the discharge is entered by the court the individual or business can continue without the burdens of the discharged debts and lead a healthy productive life. Bankruptcy is designed to provide a fresh start.]]></description>
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<item>
<title>Taking Responsibility for Your Bankruptcy</title>
<link>http://EzineArticles.com/6547674</link>
<guid>http://EzineArticles.com/6547674</guid>
<pubDate>Thu, 22 Sep 2011 11:04:53 -0500</pubDate>
<description><![CDATA[If you've just become one of the 1.5 million Americans who file for bankruptcy each year, you're probably feeling that your finances are beyond your control. But despite this feeling, declaring bankruptcy doesn't mean that you have to turn over all responsibility for your finances to the court system.]]></description>
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<item>
<title>What Advice To Take About Filing Bankruptcy</title>
<link>http://EzineArticles.com/6568152</link>
<guid>http://EzineArticles.com/6568152</guid>
<pubDate>Tue, 20 Sep 2011 11:00:01 -0500</pubDate>
<description><![CDATA[The amount of misinformation about bankruptcy is truly astounding. We know that people who are experiencing extreme debt problems spend most of their time seeking information about how to get out of debt as quickly as possible, without doing damage to their credit, and most of all, without the need to file bankruptcy. There are no easy answers to complex problems. Seeking advice from others is a good thing to do, but be careful of the motives of person giving the advice.]]></description>
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<item>
<title>How Can Filing For Bankruptcy Help Release My DMV License Suspension?</title>
<link>http://EzineArticles.com/6556486</link>
<guid>http://EzineArticles.com/6556486</guid>
<pubDate>Thu, 15 Sep 2011 14:59:45 -0500</pubDate>
<description><![CDATA[There may be many reasons why the Department of Motor Vehicles ("DMV") may suspend your driver's license. If your license was suspended due to debt, you may be able to file for bankruptcy to eliminate the debt and have the DMV release your license. One of the most common examples of when the DMV may suspend your license is if you were in a car accident and you did not have insurance, or you were under-insured. If you were at fault and you do not have the funds to pay the other party's personal injuries or property claims, your license may be suspended until you are able to pay the funds in full.]]></description>
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<item>
<title>Fighting Bankruptcy: Understanding Bankruptcy Alternatives</title>
<link>http://EzineArticles.com/6551499</link>
<guid>http://EzineArticles.com/6551499</guid>
<pubDate>Wed, 14 Sep 2011 11:42:04 -0500</pubDate>
<description><![CDATA[Across America, bankruptcy is an eminent threat to many families and businesses. You may think that this is your only option when facing financial troubles, but there are many things you could do to avoid filing for bankruptcy.]]></description>
</item>
<item>
<title>Bankruptcy Pros and Cons - Should You File for Bankruptcy?</title>
<link>http://EzineArticles.com/6558127</link>
<guid>http://EzineArticles.com/6558127</guid>
<pubDate>Tue, 13 Sep 2011 15:37:49 -0500</pubDate>
<description><![CDATA[Are you considering bankruptcy due to job loss, home foreclosure, or other financial hardship? You're not alone; many thousands of Americans are experiencing financial pain in this economy. But should you go ahead and declare bankruptcy, knowing that it will haunt you for years and make getting your credit rating back very difficult?]]></description>
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<item>
<title>What to Expect Out of Your Bankruptcy</title>
<link>http://EzineArticles.com/6547657</link>
<guid>http://EzineArticles.com/6547657</guid>
<pubDate>Mon, 12 Sep 2011 13:30:14 -0500</pubDate>
<description><![CDATA[Most people in the United States carry debt. Whether it's a mortgage, an auto loan, or an outstanding credit card bill, debt is usually necessary to cover life's basic necessities. But allowing your debt to grow beyond the basic necessities can be the starting point for financial meltdown.]]></description>
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<item>
<title>Can Student Loans Be Discharged in Bankruptcy?</title>
<link>http://EzineArticles.com/6524968</link>
<guid>http://EzineArticles.com/6524968</guid>
<pubDate>Thu, 08 Sep 2011 13:05:59 -0500</pubDate>
<description><![CDATA[A common question for Bankruptcy Lawyers these days is, "can I discharge my student loans if I file Bankruptcy?" Here are some answers to that question.]]></description>
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<item>
<title>10 Ways to Know If You Should File Bankruptcy</title>
<link>http://EzineArticles.com/6540081</link>
<guid>http://EzineArticles.com/6540081</guid>
<pubDate>Wed, 07 Sep 2011 16:01:55 -0500</pubDate>
<description><![CDATA[The question "should I file bankruptcy" is a very important one. Some debtors financial situation is not bad enough to file bankruptcy. Here are some ways to figure out where you stand.]]></description>
</item>
<item>
<title>How to Choose a Good Bankruptcy Lawyer</title>
<link>http://EzineArticles.com/6541289</link>
<guid>http://EzineArticles.com/6541289</guid>
<pubDate>Mon, 05 Sep 2011 10:35:36 -0500</pubDate>
<description><![CDATA[Bankruptcy law is a highly technical area of law. Be wary of attorneys that practice in areas other than bankruptcy law, as staying on top of bankruptcy law changes and updates effectively is difficult enough without also trying to practice additional areas of law competently. Seek an attorney that practices exclusively in the area of consumer bankruptcy law.]]></description>
</item>
<item>
<title>Don't Short Sell If You're Filing Bankruptcy</title>
<link>http://EzineArticles.com/6535095</link>
<guid>http://EzineArticles.com/6535095</guid>
<pubDate>Fri, 02 Sep 2011 08:59:01 -0500</pubDate>
<description><![CDATA[There are large numbers of Americans that are filing for bankruptcy or considering it seriously. Many of these people have been pushed into this situation because of their house that they can't afford. With the lender breathing down their neck threatening foreclosure, these individuals throw their hands up in the air in wonder.]]></description>
</item>
<item>
<title>5 Things You Should Know About Credit Cards</title>
<link>http://EzineArticles.com/6522295</link>
<guid>http://EzineArticles.com/6522295</guid>
<pubDate>Mon, 29 Aug 2011 12:45:59 -0500</pubDate>
<description><![CDATA[Credit cards - Most of us have them, and most of us use them on a fairly regular basis. But a lot of the time, we don't realise how we are being taken advantage of. The more you know about your credit, the more you can survive the pitfalls and thrive financially.]]></description>
</item>
<item>
<title>Single Mom School Options</title>
<link>http://EzineArticles.com/6496426</link>
<guid>http://EzineArticles.com/6496426</guid>
<pubDate>Wed, 17 Aug 2011 15:24:38 -0500</pubDate>
<description><![CDATA[Going back to school can be a hard decision for single moms to make. They must decide if they want to take a leap into going back to school and still manage their full time job - being a mom. This can be a very touchy subject for single moms. There are many moms that desire a higher degree but they are too caught up with other obligations to actually make the jump back into school.]]></description>
</item>
<item>
<title>Loan Modifications and Bankruptcy</title>
<link>http://EzineArticles.com/6405737</link>
<guid>http://EzineArticles.com/6405737</guid>
<pubDate>Wed, 17 Aug 2011 14:05:03 -0500</pubDate>
<description><![CDATA[If you have a house that is underwater, and you have problems making your monthly payments, or you know you will have problems making your monthly payments in the future, chances are you have or will be trying to obtain a loan modification. For those of you that are seriously delinquent in your monthly payments, you may have tried to hire a loan modification company that promises to help you obtain a loan modification. Be sure you are hiring a reputable loan modification company.]]></description>
</item>
<item>
<title>City of Central Falls Seeks to Reject Collective Bargaining Agreements</title>
<link>http://EzineArticles.com/6485998</link>
<guid>http://EzineArticles.com/6485998</guid>
<pubDate>Tue, 16 Aug 2011 15:03:09 -0500</pubDate>
<description><![CDATA[On August 1, 2011, The City of Central Falls, Rhode Island, made history by joining the short list of municipalities to file for bankruptcy protection under Chapter 9, Bankruptcy Case No. 11-13105. Central Falls joins another recent municipal bankruptcy that is wrapping up, The City of Vallejo, California. Central Falls will have to rely upon some of the rulings from the City of Vallejo case given that few municipalities have actually filed under Chapter 9 of the bankruptcy code. This result in little case law or precedent to help guide Central Falls through this process.]]></description>
</item>
<item>
<title>Debt Settlement Prior to Filing Bankruptcy</title>
<link>http://EzineArticles.com/6480957</link>
<guid>http://EzineArticles.com/6480957</guid>
<pubDate>Mon, 15 Aug 2011 11:57:11 -0500</pubDate>
<description><![CDATA[Once you start missing payments to your creditors, chances are, after attempting to collect from you, your creditors will sell or transfer your debt to third party collection agency. The objective of these collection agencies is to try to get some sort of payment from you. Most of these agencies try to call you or send you letters indicating that they are willing to settle your debt for less than what you owe to the original creditors.]]></description>
</item>
<item>
<title>What Happens If I Cannot Afford to Continue Making My Chapter 13 Plan Payments?</title>
<link>http://EzineArticles.com/6470960</link>
<guid>http://EzineArticles.com/6470960</guid>
<pubDate>Fri, 12 Aug 2011 11:58:43 -0500</pubDate>
<description><![CDATA[Let's face it - the economy is unstable. If you're one of the lucky few people that are 100% certain that your job is secure, then you are in the minority. Most people don't know if they will still have a job a month from now. Therefore, it's not surprising that even if you file a Chapter 13 bankruptcy case, that doesn't mean your income will be the same throughout the term of your plan.]]></description>
</item>
<item>
<title>Do You Have Investment Property Problems in Ireland?</title>
<link>http://EzineArticles.com/6483264</link>
<guid>http://EzineArticles.com/6483264</guid>
<pubDate>Thu, 11 Aug 2011 08:35:38 -0500</pubDate>
<description><![CDATA[Do you live in Ireland? Were you one of the hundreds of thousands who tried to secure their future by investing in investment property? If so you will not need me to tell you that due to the collapse of the Irish economy and the property market, your investment, if you could sell it is liable to be worth only half of the value you purchased it for.]]></description>
</item>
<item>
<title>What to Expect From Your Experience With the Bankruptcy Court</title>
<link>http://EzineArticles.com/6482684</link>
<guid>http://EzineArticles.com/6482684</guid>
<pubDate>Tue, 09 Aug 2011 15:44:25 -0500</pubDate>
<description><![CDATA[If you are one of the millions who have been struggling with debt over the last three years then you may have considered a number of debt solutions. If you have settled upon bankruptcy, here is s synopsis of what you can expect with the court process.]]></description>
</item>
<item>
<title>How to File a Petition for Bankruptcy in England</title>
<link>http://EzineArticles.com/6480564</link>
<guid>http://EzineArticles.com/6480564</guid>
<pubDate>Tue, 09 Aug 2011 11:38:37 -0500</pubDate>
<description><![CDATA[In the last Quarterly survey carried out by the Insolvency Service, in excess of 30,000 individuals declared themselves bankrupt. This means that over 100,000 people a year are deciding to enter a process which will wipe their debt off and save in the case of a tiny minority of culpable bankrupts will mean that in 12 months or less they will be discharged from bankruptcy.]]></description>
</item>
<item>
<title>The Step by Step Process on How to File for Bankruptcy in England</title>
<link>http://EzineArticles.com/6480100</link>
<guid>http://EzineArticles.com/6480100</guid>
<pubDate>Tue, 09 Aug 2011 11:34:34 -0500</pubDate>
<description><![CDATA[Filing for bankruptcy is an option that is now being taken more often by those in debt here in the UK and also as an option by those in the EU who move to the UK and establish there centre of main interest here. Here I set out in a step by step approach, how to go bankrupt in England.]]></description>
</item>
<item>
<title>Can a State, County, or City Government File for Bankruptcy?</title>
<link>http://EzineArticles.com/6452118</link>
<guid>http://EzineArticles.com/6452118</guid>
<pubDate>Mon, 01 Aug 2011 16:23:41 -0500</pubDate>
<description><![CDATA[The answer is no, yes, and yes. During recent budget sessions in the California assembly a representative suggested that the State of California should file bankruptcy. It is not possible under the United States Constitution for a state to file for bankruptcy and discharge debts. County governments and municipal governments are able to file for bankruptcy and reorganize their debts in Chapter 9 of the bankruptcy code.]]></description>
</item>
<item>
<title>Student Loans - Bankruptcy Can Help With Some Student Loans</title>
<link>http://EzineArticles.com/6457454</link>
<guid>http://EzineArticles.com/6457454</guid>
<pubDate>Fri, 29 Jul 2011 13:44:20 -0500</pubDate>
<description><![CDATA[Canada student loans are rapidly becoming a national problem. In today's world most young people know a college education is a path to a sounder financial future but with the exploding costs of such an education borrowing money is the only way most Canadian students can pay for that education. And with an increase in economic uncertainty more and more graduates of Canadian centers of higher education cannot find jobs with high enough incomes to allow them to repay their loans without severe economic hardship.]]></description>
</item>
<item>
<title>Rebuilding Credit Before Bankruptcy</title>
<link>http://EzineArticles.com/6441091</link>
<guid>http://EzineArticles.com/6441091</guid>
<pubDate>Fri, 22 Jul 2011 16:01:12 -0500</pubDate>
<description><![CDATA[How much thought do you give to your credit score? If you haven't gone through bankruptcy, it may be low on the radar. You could be losing money and not even realize it. This article will show you good credit management practices for rebuilding credit before and after bankruptcy.]]></description>
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<title>How Can I Get Credit After Bankruptcy?</title>
<link>http://EzineArticles.com/6436721</link>
<guid>http://EzineArticles.com/6436721</guid>
<pubDate>Thu, 21 Jul 2011 08:59:02 -0500</pubDate>
<description><![CDATA[When you are looking to get credit after a bankruptcy filing, you are going to find that you are not going to have the lowest interest rates and incentives that many others have available to them. Instead, you will need to be prepared to go a more expensive route to start improving you credit and to get the credit lines you need after bankruptcy. One of the first choices you are going to have when you have completed the bankruptcy filing and are ready to get a line of credit is to get a secured credit card through your...]]></description>
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<title>A Bankruptcy Certificate Is the Way to Start Fresh for Entrepreneurs</title>
<link>http://EzineArticles.com/6423821</link>
<guid>http://EzineArticles.com/6423821</guid>
<pubDate>Wed, 20 Jul 2011 15:09:27 -0500</pubDate>
<description><![CDATA[Entrepreneurs sometimes have difficulties admitting that their business is in financial difficulty. Expert external advice made available at an early stage therefore enables earlier recognition of financial difficulties, thus improving the chances that restructuring and/or recovery measures will succeed. There is evidence that training courses for both new businesses and entrepreneurial advisers can play a key role in preventing bankruptcy.]]></description>
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<title>So Why Select a Trust Deed Over Liquidation? What's the Financial Gain?</title>
<link>http://EzineArticles.com/6424630</link>
<guid>http://EzineArticles.com/6424630</guid>
<pubDate>Mon, 18 Jul 2011 11:22:05 -0500</pubDate>
<description><![CDATA[It becomes a real question for lots of people that are looking at different ways to clear debts they have accrued and start again. However, the problem with bankruptcy is always that once you enter, you can forget about getting credit for some time. You realize you'll be indefinitely marked as "high risk", and no financial institution will want to supply you with credit for a financial loan or home loan. You'll even find it difficult to obtain a contract phone, broadband internet or a car lease contract. This is exactly what makes deciding on bankruptcy an exceptionally difficult option to take. For a lot of, they just have no choice and owe so much, that it seems impossible to think about everything else.]]></description>
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<title>What Income Must Be Included in the Means Test When Filing Bankruptcy?</title>
<link>http://EzineArticles.com/6405716</link>
<guid>http://EzineArticles.com/6405716</guid>
<pubDate>Thu, 14 Jul 2011 11:13:44 -0500</pubDate>
<description><![CDATA[In 2005 Congress reformed the Bankruptcy Code and created what is called the Means Test. One of the key components of the Means Test is the calculation of current monthly income to determination if someone has monthly disposable income. Disposable income is theoretically the amount of money someone can afford to pay back their debts each month. If there is disposable income, then that income should be paid to creditors in a Chapter 13 bankruptcy case and a Chapter 7 bankruptcy should not be filed. So what is income when filling out the Means Test?]]></description>
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<title>Pro Se Bankruptcy Tips For People At The Starting Stages Of Planning A Petition</title>
<link>http://EzineArticles.com/6417016</link>
<guid>http://EzineArticles.com/6417016</guid>
<pubDate>Tue, 12 Jul 2011 11:38:44 -0500</pubDate>
<description><![CDATA[Looking to file a bankruptcy petition on your own (without the help of a bankruptcy lawyer)? If so, your pro se bankruptcy petition process need not be as complicated as you might otherwise think. This brief article looks at three questions you should ask yourself before taking on the do-it-yourself (pro se) bankruptcy path.]]></description>
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<title>Now What: Recovering From the Negative Emotions of Bankruptcy</title>
<link>http://EzineArticles.com/6413537</link>
<guid>http://EzineArticles.com/6413537</guid>
<pubDate>Mon, 11 Jul 2011 14:14:13 -0500</pubDate>
<description><![CDATA[Once the negative emotions of bankruptcy are identified, learning how to cope with them is the next step. Bankruptcy can be a life changing event if you take the time to evaluate your situation.]]></description>
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<title>Surviving the Emotional Side of Bankruptcy</title>
<link>http://EzineArticles.com/6413535</link>
<guid>http://EzineArticles.com/6413535</guid>
<pubDate>Mon, 11 Jul 2011 14:09:26 -0500</pubDate>
<description><![CDATA[Filing for bankruptcy has not only financial consequences but emotional ones as well. Identifying the negative emotions associated with filing for bankruptcy can help to reduce the stress of this difficult time and keep you from feeling bankrupt.]]></description>
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<title>What To Know About Hiring a Bankruptcy Attorney</title>
<link>http://EzineArticles.com/6411545</link>
<guid>http://EzineArticles.com/6411545</guid>
<pubDate>Mon, 11 Jul 2011 08:59:01 -0500</pubDate>
<description><![CDATA[No one plans on filing for bankruptcy, although sometimes things happen in life that require them to do so. When you are getting ready to file for either Chapter 7 or Chapter 13, it will be important that you sit down and meet with a bankruptcy attorney. This individual is going to be able to provide you with an in depth look at this process and they will be able to sit down with you and go over your debts as they decide which style is going to be best for you.]]></description>
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