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	<title>Bankruptcy Law Network &#187; Kent Anderson, Oregon Bankruptcy Attorney</title>
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		<title>Official Bankruptcy Secret</title>
		<link>http://www.bankruptcylawnetwork.com/2009/11/15/official-bankruptcy-secret/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/11/15/official-bankruptcy-secret/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 15:34:26 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Your Bankruptcy Attorney & You]]></category>
		<category><![CDATA[Bankruptcy Code]]></category>
		<category><![CDATA[bapcpa]]></category>
		<category><![CDATA[means test]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=11441</guid>
		<description><![CDATA[Bankruptcy has an official secrets law and it is contained in §526 of the bankruptcy code.  A lawyer can not advise a client to take out a new loan before filing bankruptcy.  The Bankruptcy Abuse and Consumer Protection Act of 2005 includes this rule and I am going to break it legally.
Why would someone want [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Credit Card Rates Up, Consumer Confidence Down</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/13/credit-card-rates-up-consumer-confidence-down/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/13/credit-card-rates-up-consumer-confidence-down/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 22:16:03 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[Consumer Confidence Index]]></category>
		<category><![CDATA[Consumer Price Index]]></category>
		<category><![CDATA[Credit Card Rates]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9966</guid>
		<description><![CDATA[When will they figure it out?  Wells Fargo and Chase have announced they plan to kick consumers while they are down again.  Credit card rates are being increased, 3 percentage points by Wells following a similar increase by Chase, in the worst economic climate since the 1930s.
A Wells Fargo spokesman said that the bank waited [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Bank Overdraft Charges Increase 35%</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/06/bank-overdraft-charges-increase-35/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/06/bank-overdraft-charges-increase-35/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 19:25:12 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Bank Charges]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[Overdraft Charges]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=400</guid>
		<description><![CDATA[According to a report by the Center for Responsible Lending that was recently released, banks and credit unions have set up systems that intentionally drive up the costs of overdrafts for consumers.  Since over 50 million consumers overdrew their checking account at least once in the last 12 months, this practice has been generating a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>What if a Debtor in Bankruptcy Dies?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/06/what-if-a-debtor-in-bankruptcy-dies/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/06/what-if-a-debtor-in-bankruptcy-dies/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 18:32:12 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9750</guid>
		<description><![CDATA[What happens when the debtor in bankruptcy dies or becomes incompetent before the case is closed?
In the case of a Chapter 7, death or incompetency does not change anything.  Because the Chapter 7 trustee is in charge of administering the estate for the benefit of the unsecured creditors, it makes sense that the case be [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Supreme Court to Decide Three Bankruptcy Cases</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/01/supreme-court-to-decide-three-bankruptcy-cases/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/01/supreme-court-to-decide-three-bankruptcy-cases/#comments</comments>
		<pubDate>Thu, 01 Oct 2009 20:22:03 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Cases & Legislation]]></category>
		<category><![CDATA[Bankruptcy Exemptions]]></category>
		<category><![CDATA[Debt Relief Agency]]></category>
		<category><![CDATA[Free Speech]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9733</guid>
		<description><![CDATA[The US Supreme Court plans to hear oral argument on several important bankruptcy cases in its 2009/10 term.  One case, Milavetz Gallop v. U. S., deals with the relationship between bankruptcy lawyers and their clients.  The case of U. S. Student Aid Funds v. Espinosa will determine what type of procedural steps must be taken [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Oregon Declares Tax Amnesty if You Come Clean Now</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/25/oregon-declares-tax-amnesty-if-you-come-clean-now/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/25/oregon-declares-tax-amnesty-if-you-come-clean-now/#comments</comments>
		<pubDate>Sat, 26 Sep 2009 03:46:16 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Tax Issues In Bankruptcy]]></category>
		<category><![CDATA[Oregon Department of Revenue]]></category>
		<category><![CDATA[Oregon Tax]]></category>
		<category><![CDATA[Tax Amnesty]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9576</guid>
		<description><![CDATA[What is Oregon Tax Amnesty and how do I get some?   It is a special program to allow Oregonians and others who owe Oregon tax to come clean without financial punishment.  An Oregon tax scofflaw can qualify for the amnesty program on pre-2008 tax liability by filling out an application and submitting it to the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>IRS Extends Deadline To Disclose Secret Foreign Accounts</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/21/irs-extends-deadline-to-disclose-secret-foreign-accounts/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/21/irs-extends-deadline-to-disclose-secret-foreign-accounts/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 00:03:41 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Debt Collection Laws]]></category>
		<category><![CDATA[Tax Debt]]></category>
		<category><![CDATA[FBAR]]></category>
		<category><![CDATA[Foreign Bank Accounts]]></category>
		<category><![CDATA[UBS]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=385</guid>
		<description><![CDATA[The IRS program for voluntary disclosure of secret foreign bank accounts has been extended to October 15, 2009.  Several months ago the IRS announced a program to allow voluntary disclosure of foreign bank accounts by US Citizens who had failed to previously disclose them.  This program is important to some taxpayers since the failure to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Student Loan Forgiveness, Fact or Fantasy</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/21/student-loan-forgiveness-fact-or-fantasy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/21/student-loan-forgiveness-fact-or-fantasy/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 20:46:59 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Debts Not Dischargeable]]></category>
		<category><![CDATA[ICRB]]></category>
		<category><![CDATA[ICRP]]></category>
		<category><![CDATA[Student Loan Forgiveness]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9380</guid>
		<description><![CDATA[The College Cost Reduction &#38; Access Act went into effect July 1, 2009.  This legislation provides for forgiveness of federally-guaranteed student loans for individuals in certain public service occupations provided they meet certain conditions.
Eligible borrowers must consolidate the loans into an Income Contingent Repayment Plan (ICRP) or Income Based Repayment Plan (IBRP), make scheduled payments [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Free Access to Documents Stirs Up Court Administrators</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/21/free-access-to-documents-stirs-up-court-administrators/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/21/free-access-to-documents-stirs-up-court-administrators/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 05:55:58 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[CM/ECF]]></category>
		<category><![CDATA[Court Records]]></category>
		<category><![CDATA[Gov 2.0]]></category>
		<category><![CDATA[PACER]]></category>
		<category><![CDATA[RECAP]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9386</guid>
		<description><![CDATA[Federal court documents, including Bankruptcy Court filings, accessed through a new program called RECAP (PACER spelled backwards) can be viewed without cost.   RECAP is an add-on to the free internet browser Foxfire.  Because the courts generate revenue to operate their electronic record system called CM/ECF, a program that bypasses their ticket window causes some court [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/21/free-access-to-documents-stirs-up-court-administrators/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Convert Chapter 13 to Chapter 7 and Keep New Assets</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/29/convert-chapter-13-to-chapter-7-and-keep-new-assets/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/29/convert-chapter-13-to-chapter-7-and-keep-new-assets/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 23:48:02 +0000</pubDate>
		<dc:creator>Kent Anderson, Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8826</guid>
		<description><![CDATA[Debtors having trouble making monthly payments often consider conversion of their Chapter 13 case to a Chapter 7 case.  In general, a Chapter 13 case can be coverted or dismissed at the debtors&#8217; option.  However, if the plan has been in operation for several years, the debtor may have acquired new or different assets that were [...]]]></description>
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