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	<title>Bankruptcy Law Network &#187; Andy Miofsky, Illinois Bankruptcy Attorney</title>
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		<title>Payoff High Interest Credit Cards In 7 Easy Steps</title>
		<link>http://www.bankruptcylawnetwork.com/2009/11/06/payoff-high-interest-credit-cards-in-7-easy-steps/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/11/06/payoff-high-interest-credit-cards-in-7-easy-steps/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 20:27:01 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Eliminate Credit Card Debt]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=10618</guid>
		<description><![CDATA[Here are seven easy steps to pay off high interest rate credit cards.  In fact these tips show you how to eliminate high interest accounts entirely and how to perform simple regular maintenance adjustments to keep your credit accounts within reasonable limits.
1.  Fingerprint your credit cards.  On a simple word document or piece of paper [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Top 10 Tax Records To Keep</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/03/top-10-tax-records-to-keep/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/03/top-10-tax-records-to-keep/#comments</comments>
		<pubDate>Sat, 03 Oct 2009 10:07:10 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Tax Debt]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[record keeping]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=399</guid>
		<description><![CDATA[Here is a list of the top 10 types of documents you should keep for tax purposes.
Proof of income can  be established by a W-2 form or a 1099.
Bank account statements and credit card statements show a history of account transactions.
Invoices and payment receipts and canceled checks show how much is owed and who was [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Balance Transfer Tips &amp; Traps</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/29/5-balance-transfer-tips-traps/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/29/5-balance-transfer-tips-traps/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 09:29:17 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[zero per cent credit card]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=355</guid>
		<description><![CDATA[Save hundreds of dollars and avoid these traps when transferring your high credit card balances to lower interest accounts.
Walecia Konrad published these tips to Bankrate.com.
1.  Keep track of time as special offers usually expire in 6 or 9 months.
2.  Determine what interest rate applies to balance transfers and what rate applies to purchases, often these [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Consumer Counseling Service Exposes Banking Industry: Finds Top Causes of Debt</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/29/consumer-counseling-service-exposes-banking-industry-finds-top-causes-of-debt/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/29/consumer-counseling-service-exposes-banking-industry-finds-top-causes-of-debt/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 08:58:17 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy Reform]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[Job Loss]]></category>
		<category><![CDATA[Medical Bills]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9701</guid>
		<description><![CDATA[In an article placed online with Bankrate.com,  Steve Bucci of the Consumer Credit Counseling Service of Southern New England lists his Top Ten Causes of Debt.   Conspicuously absent is fraud, abuse, intent and extravagance.
Bucci&#8217;s list does not include scammers, tricksters, credit card abusers.  No, Bucci finds debt accrues from ordinary life experiences, hardly reasons [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Bankruptcy Law: Time Deadlines</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/21/new-bankruptcy-law-time-deadlines/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/21/new-bankruptcy-law-time-deadlines/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 17:26:59 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[filing deadline]]></category>
		<category><![CDATA[new law]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9391</guid>
		<description><![CDATA[New bankruptcy time deadlines take effect December 1, 2009.  Time will now be computed in multiples of 7.  This change will minimize situations where deadlines come due on weekends.
Bankruptcy has many different deadlines based on multiples of 5 &#8211; 5 days to submit documents, 10 days to appeal, 15 days to file pleadings, 20 or [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Number One Tip to Avoid Debt</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/15/number-one-tip-to-avoid-debt/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/15/number-one-tip-to-avoid-debt/#comments</comments>
		<pubDate>Tue, 15 Sep 2009 22:17:59 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit card applications]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=343</guid>
		<description><![CDATA[The best way to stay out of  debt is to refuse unsolicited credit offers.  Be they blank checks or credit card applications, just say no.  Tear up the envelope before you open it.
I received a letter from American Express.  Printed on the outside is &#8221; You&#8217;ve been selected&#8221;.  To me, that means I have [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Lower Credit Card Interest and Balance to Avoid Default</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/12/lower-credit-card-interest-and-balance-to-avoid-default/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/12/lower-credit-card-interest-and-balance-to-avoid-default/#comments</comments>
		<pubDate>Sat, 12 Sep 2009 11:19:21 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9117</guid>
		<description><![CDATA[Negotiate a lower payment on your credit card.  Call customer service and ask for a better rate.   &#8220;Just work with me.&#8221;  These proven common sense tips could save you money on your credit card accounts and help you avoid bankruptcy.
More than one out of 10 accounts went 6 months in default last month and that [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Negoitiate A Better Credit Card Rate</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/11/negoitiate-a-better-credit-card-rate/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/11/negoitiate-a-better-credit-card-rate/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 12:35:01 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Experiences]]></category>
		<category><![CDATA[Family Debt Problems]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[default]]></category>
		<category><![CDATA[negotiate]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=382</guid>
		<description><![CDATA[Here is a tip I picked up from Jacksonville FL bankruptcy lawyer Bobby Shinedown Wilbert that could save you thousands of dollars on your credit card debt.  Call your credit card bank and ask for a lower interest rate and a lower principal balance.  You might get a zero interest rate if you are willing [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is it Safe to Fly on an Airline that is in Bankruptcy?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/10/is-it-safe-to-fly-on-an-airline-that-is-in-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/10/is-it-safe-to-fly-on-an-airline-that-is-in-bankruptcy/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 01:49:07 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 11 Bankruptcy]]></category>
		<category><![CDATA[General Bankruptcy Information]]></category>
		<category><![CDATA[Airline Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/2009/09/10/is-it-safe-to-fly-on-an-airline-that-is-in-bankruptcy/</guid>
		<description><![CDATA[Pay attention to these 5 tips to safely fly on an airline that is in bankruptcy.  During the past 8 years these airlines filed bankruptcy: Aloha Airlines, America West, ATA Airlines, Braniff International, Continental Airlines, Delta Air Lines, Eastern Airlines, Frontier, Hawaiian Airlines, Northwest Airlines, TWA, United Airlines, and US Air.  You can [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Stimulus Plan</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/16/bankruptcy-stimulus-plan/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/16/bankruptcy-stimulus-plan/#comments</comments>
		<pubDate>Sun, 16 Aug 2009 15:22:05 +0000</pubDate>
		<dc:creator>Andy Miofsky, Illinois Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Benefits of Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8643</guid>
		<description><![CDATA[Save more money, spend it on your self, and stimulate your local economy.  Here is how to do it.
Many people are in a credit card rut, paying minimum payments each month while the balance grows beyond control.  Those fortunate to have jobs struggle paycheck to paycheck as  credit cards gobble up take home pay.  [...]]]></description>
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