<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Bankruptcy Law Network &#187; Nicholas Ortiz, Boston Bankruptcy Attorney</title>
	<atom:link href="http://www.bankruptcylawnetwork.com/author/nfortiz/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.bankruptcylawnetwork.com</link>
	<description>Real Lawyers, Real Solutions</description>
	<lastBuildDate>Sun, 22 Nov 2009 06:37:51 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8.6</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>Rhode Island Court Endorses Hybrid Plans</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/29/rhode-island-court-endorses-hybrid-plans/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/29/rhode-island-court-endorses-hybrid-plans/#comments</comments>
		<pubDate>Thu, 29 Oct 2009 14:39:17 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=10449</guid>
		<description><![CDATA[Rhode Island Bankruptcy Court gives key support to certain mortgage modifications.]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/10/29/rhode-island-court-endorses-hybrid-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Court Invalidates Foreclosure Sale for Defective Documents</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/18/key-massachusetts-land-court-foreclosure-case/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/18/key-massachusetts-land-court-foreclosure-case/#comments</comments>
		<pubDate>Sun, 18 Oct 2009 20:46:06 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Cases & Legislation]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=10152</guid>
		<description><![CDATA[Judge Long of the Massachusetts Land Court recently reaffirmed his groundbreaking May decision (Ibanez) invalidating a foreclosure sale due to a lack of properly-recorded proof of assignment.  The assignment issue boiled down to this.  Due to the bundling of mortgages for sale and trading on Wall Street, mortgages have been transfered more and [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/10/18/key-massachusetts-land-court-foreclosure-case/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy and Utility Shut-off</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/30/bankruptcy-and-utility-shut-off/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/30/bankruptcy-and-utility-shut-off/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 19:18:26 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Automatic Stay In Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9731</guid>
		<description><![CDATA[Automatic stay prevents utility companies from shutting off bankruptcy debtors&#8217; utility services on the basis of outstanding debts owed prior to the bankruptcy filing.
If a debtor&#8217;s utilities have been shut-off prior to the bankruptcy, the debtor, upon the filing of her case, should provide evidence of the bankruptcy proceeding to the company and demand that [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/30/bankruptcy-and-utility-shut-off/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Does a Court Judgment Affect my Real Estate and What can I Do about It?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/30/how-does-a-court-judgment-affect-my-real-estate-and-what-can-i-do-about-it/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/30/how-does-a-court-judgment-affect-my-real-estate-and-what-can-i-do-about-it/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 15:41:09 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Exemptions In Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9729</guid>
		<description><![CDATA[If a creditor sues you and obtains a court judgment for an outstanding debt, it most states (including here in Massachusetts) they then have the right to obtain an &#8220;execution&#8221; on the judgment.  This execution can be recorded at a registry of deeds to create judicial lien on real estate.  
This lien gives [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/30/how-does-a-court-judgment-affect-my-real-estate-and-what-can-i-do-about-it/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is the Statute of Limitations for Debt Lawsuits in Massachusetts?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/29/what-is-the-statute-of-limitations-for-debt-lawsuits-in-massachusetts/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/29/what-is-the-statute-of-limitations-for-debt-lawsuits-in-massachusetts/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 17:40:50 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Debt Collection Laws]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=395</guid>
		<description><![CDATA[Generally speaking, the statute of limitations for a creditor to bring a lawsuit to collect a typical unsecured debt (like a credit card) in Massachusetts is six years from the date of the original breach, or failure to pay. This six-year period, however, is subject to a number of limitations. For instance, a subsequent payment [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/29/what-is-the-statute-of-limitations-for-debt-lawsuits-in-massachusetts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Nicholas Ortiz Speaks at Boston Bar Association</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/28/nicholas-ortiz-speaks-at-boston-bar-association/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/28/nicholas-ortiz-speaks-at-boston-bar-association/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 20:30:08 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9670</guid>
		<description><![CDATA[Nicholas F. Ortiz, a Boston bankruptcy lawyer specializing in debtor-side issues, and John S. McNicholas, a creditor-side attorney with Korde and Associates, spoke together recently at the Boston Bar Association about bankruptcy case law developments in the First Circuit.
Highlights included a discussion of the recent decision by the United States Court of Appeals for the [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/28/nicholas-ortiz-speaks-at-boston-bar-association/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware of Fake Debt Collectors</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/28/beware-of-fake-debt-collectors/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/28/beware-of-fake-debt-collectors/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 19:33:59 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Debt Collection Laws]]></category>
		<category><![CDATA[Debt Collector Abuse]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=392</guid>
		<description><![CDATA[A perfect scam&#8230;.someone purporting to be a debt collector calls demanding payment.  He has your bank account information, social security number, information about your relatives.  He demands payment by wire transfer within the hour .  Only the debt is fake and the caller is a scammer.  Could this happen.  Unfortunately, yes.  It is a problem [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/28/beware-of-fake-debt-collectors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>1st Circuit Affirms Means Test Decision</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/05/1st-circuit-affirms-means-test-decision/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/05/1st-circuit-affirms-means-test-decision/#comments</comments>
		<pubDate>Wed, 05 Aug 2009 20:39:26 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Means Testing]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8441</guid>
		<description><![CDATA[The U.S. Court of Appeals for the First Circuit today affirmed in re Rudler, a case in which both the Bankruptcy Court and the Bankruptcy Appellate Panel for the First Circuit allowed a means test deduction for a car payment when then car was being surrendering in the course of the bankruptcy case.  The [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/08/05/1st-circuit-affirms-means-test-decision/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Not to do When Preparing to File Bankruptcy?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/07/25/what-not-to-do-when-preparing-to-file-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/07/25/what-not-to-do-when-preparing-to-file-bankruptcy/#comments</comments>
		<pubDate>Sat, 25 Jul 2009 19:07:10 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=7953</guid>
		<description><![CDATA[Certain actions prior to a filing can cause problems in a bankruptcy case.  These problems can range anywhere from having certain debts be declared non-dischargeable, having a general discharge denied, having payments or transfers reversed, among other things. Once you have made the decision to file bankruptcy, there are a number of things you [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/07/25/what-not-to-do-when-preparing-to-file-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Debts are Dischargeable?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/07/23/what-debts-are-dischargeable/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/07/23/what-debts-are-dischargeable/#comments</comments>
		<pubDate>Thu, 23 Jul 2009 19:06:15 +0000</pubDate>
		<dc:creator>Nicholas Ortiz, Boston Bankruptcy Attorney</dc:creator>
				<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=7951</guid>
		<description><![CDATA[Debts that are generally dischargeable in bankruptcy include credit card debts, unsecured personal loans, outstanding medical bills, overdue utility bills and other types of unsecured obligations owed by a debtor.  With secured debts, liens are generally discharged in special circumstances, via special proceedings.  However, a debtor’s personal liability on the secured debt is [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/07/23/what-debts-are-dischargeable/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
