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	<title>Bankruptcy Law Network &#187; Jonathan Ginsberg, Atlanta Bankruptcy Attorney</title>
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	<link>http://www.bankruptcylawnetwork.com</link>
	<description>Real Lawyers, Real Solutions</description>
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		<title>Who Decides About Reaffirming a Mortgage?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/11/14/who-decides-about-reaffirming-a-mortgage/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/11/14/who-decides-about-reaffirming-a-mortgage/#comments</comments>
		<pubDate>Sat, 14 Nov 2009 21:08:13 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Automatic Stay In Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Exemptions In Bankruptcy]]></category>
		<category><![CDATA[Your Bankruptcy Attorney & You]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=11426</guid>
		<description><![CDATA[Much has been written on this blog about &#8220;reaffirmation&#8221; &#8211; the process by which a Chapter 7 debtor formally and in writing agrees to opt out of the protections inherent to a bankruptcy discharge and assume again contractual liability for secured (or unsecured) debts like mortgages and vehicle loans.
You should always speak to your lawyer [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Should My Schedule I Income Always Match my Means Test Income Numbers?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/26/should-my-schedule-i-income-always-match-my-means-test-income-numbers/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/26/should-my-schedule-i-income-always-match-my-means-test-income-numbers/#comments</comments>
		<pubDate>Mon, 26 Oct 2009 16:34:36 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Means Testing]]></category>
		<category><![CDATA[atlanta bankruptcy]]></category>
		<category><![CDATA[bankruptcy budget]]></category>
		<category><![CDATA[form 22]]></category>
		<category><![CDATA[georgia bankruptcy]]></category>
		<category><![CDATA[Jonathan Ginsberg]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[Northern District of Georgia]]></category>
		<category><![CDATA[schedule I]]></category>
		<category><![CDATA[Schedule J]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=10249</guid>
		<description><![CDATA[Although it has been in effect for several years, the median income/means test provisions of the Bankruptcy Code continue to confuse potential bankruptcy filers.
In my Atlanta, Georgia bankruptcy practice, I regularly get questions from new clients about the two &#8220;budgets&#8221; that are filed in Chapter 7 and Chapter 13 cases.  The first &#8220;budget&#8221; is the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Does the Payment in my Chapter 13 Plan Ever Change?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/24/does-the-payment-in-my-chapter-13-plan-ever-change/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/24/does-the-payment-in-my-chapter-13-plan-ever-change/#comments</comments>
		<pubDate>Sat, 24 Oct 2009 15:41:33 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[atlanta bankruptcy]]></category>
		<category><![CDATA[chapter 13 plans]]></category>
		<category><![CDATA[georgia bankruptcy attorney]]></category>
		<category><![CDATA[Jonathan Ginsberg]]></category>
		<category><![CDATA[modify chapter 13]]></category>
		<category><![CDATA[step plan]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=10247</guid>
		<description><![CDATA[As you may know the Bankruptcy Code provides that Chapter 13 plans must last at least three years but no more than five years.  As a practical matter, most of the Chapter 13 plans I file in my Atlanta area bankruptcy practice end up as five year plans (this is because the disposable income calculations [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can a Debt Collector Leave a Dunning Message on my Answering Machine?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/18/can-a-debt-collector-leave-a-dunning-message-on-my-answering-machine/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/18/can-a-debt-collector-leave-a-dunning-message-on-my-answering-machine/#comments</comments>
		<pubDate>Sun, 18 Oct 2009 22:21:26 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[dunning calls on answering machines]]></category>
		<category><![CDATA[Edwards v. Niagara Credit Solutions]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[lawsuits against collection agencies]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=358</guid>
		<description><![CDATA[
As you may know, bill collectors are subject to more regulation than actual creditors.  In other words, an employee of MasterCard or Visa can call you and say certain things legally, whereas an outside bill collection agency hired by the credit card issuing bank would be in violation of the law for saying or doing [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/10/18/can-a-debt-collector-leave-a-dunning-message-on-my-answering-machine/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Median Household Income Numbers in Georgia Reduced after Nov. 1, 2009</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/13/median-household-income-numbers-in-georgia-reduced-after-nov-1-2009/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/13/median-household-income-numbers-in-georgia-reduced-after-nov-1-2009/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 16:58:19 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Means Testing]]></category>
		<category><![CDATA[atlanta bankruptcy]]></category>
		<category><![CDATA[georgia bankruptcy]]></category>
		<category><![CDATA[median income table]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=10019</guid>
		<description><![CDATA[For the first time since means testing was introduced in 2005, several of the median income numbers for Georgia families have gone down.  This means that the presumption of abuse is more likely to arise for Georgia filers.
Here is an example:  if you have a family of 4 and file Chapter 7 on October 31 [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>100 Tips to Help You Save</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/29/100-tips-to-help-you-save/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/29/100-tips-to-help-you-save/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 19:30:51 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Family Debt Problems]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[money saving tips]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=396</guid>
		<description><![CDATA[I wanted to call your attention to a useful article that appeared on the FoxBusiness website &#8211; a reprint of an article from Bankrate.com called &#8220;100 Tips to Help You Save.&#8221;  Some of the tips refer to &#8220;big ticket&#8221; decisions like choosing light colored roof to save energy, but many of the tips discuss changes [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/29/100-tips-to-help-you-save/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can My Ex-Spouse Use Bankruptcy to Discharge Debts Arising from a Divorce Order?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/15/can-my-ex-spouse-use-bankruptcy-to-discharge-debts-arising-from-a-divorce-order/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/15/can-my-ex-spouse-use-bankruptcy-to-discharge-debts-arising-from-a-divorce-order/#comments</comments>
		<pubDate>Tue, 15 Sep 2009 19:49:10 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Debts Not Dischargeable]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Marriage and Debt]]></category>
		<category><![CDATA[bankruptcy and alimony]]></category>
		<category><![CDATA[bankruptcy and child support]]></category>
		<category><![CDATA[treatment of domestic debts in bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9308</guid>
		<description><![CDATA[From time to time I receive emails from men or women who have gone through a divorce and whose ex-spouse has filed a bankruptcy.  They usually want to know if their ex-spouse&#8217;s bankruptcy can eliminate obligations set out in a divorce order.
In general, Bankruptcy Code Section 523(a)(5) and 523(a)(15) except from discharge debts arising from [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/15/can-my-ex-spouse-use-bankruptcy-to-discharge-debts-arising-from-a-divorce-order/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Game Show Winnings Subject of Tug-of-War Between Trustee and a Charity</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/20/game-show-winnings-subject-of-tug-of-war-between-trustee-and-a-charity/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/20/game-show-winnings-subject-of-tug-of-war-between-trustee-and-a-charity/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 16:34:45 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8767</guid>
		<description><![CDATA[This past November, I reported about a high profile bankruptcy case filed in the Northern District of Georgia, just outside Atlanta.  State School Superintendent Kathy Cox and her husband, a homebuilder, filed for Chapter 7 bankruptcy.  According to news reports the filing was triggered by over $3.5 million in losses incurred by John Cox&#8217; failed [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/08/20/game-show-winnings-subject-of-tug-of-war-between-trustee-and-a-charity/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Parade Magazine Publishes Article About &quot;Bouncing Back from Bankruptcy&quot;</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/16/parade-magazine-publishes-article-about-bouncing-back-from-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/16/parade-magazine-publishes-article-about-bouncing-back-from-bankruptcy/#comments</comments>
		<pubDate>Sun, 16 Aug 2009 22:47:25 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bounce back from bankruptcy]]></category>
		<category><![CDATA[credit restoration]]></category>
		<category><![CDATA[recovering from bankruptcy]]></category>
		<category><![CDATA[unsecured credit card]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=335</guid>
		<description><![CDATA[This weekend&#8217;s Parade Magazine (the free insert that you can find in most Sunday papers around the country) has published an article entitled &#8220;How to Bounce Back from Bankruptcy.&#8221;   Parade notes that over 1 million people filed for bankruptcy in 2008, which constitutes a 30% increase from 2007.
One of the Parade suggestions especially resonates with [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/08/16/parade-magazine-publishes-article-about-bouncing-back-from-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Abuse Emergency Bankruptcy Filing Process</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/16/dont-abuse-emergency-bankruptcy-filing-process/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/16/dont-abuse-emergency-bankruptcy-filing-process/#comments</comments>
		<pubDate>Sun, 16 Aug 2009 15:21:26 +0000</pubDate>
		<dc:creator>Jonathan Ginsberg, Atlanta Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Automatic Stay In Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Your Bankruptcy Attorney & You]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8642</guid>
		<description><![CDATA[Last year on this blog, my colleague Pam Stewart wrote a post that explains the emergency bankruptcy filing process.  As Pam notes, situations do arise in which an individual needs to file bankruptcy immediately but does not have time to gather all of the documentation needed for a complete filing.  An emergency filing allows a [...]]]></description>
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		<slash:comments>0</slash:comments>
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