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	<title>Bankruptcy Law Network &#187; Peter Orville, Attorney at Law</title>
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	<link>http://www.bankruptcylawnetwork.com</link>
	<description>Real Lawyers, Real Solutions</description>
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		<title>Can I Keep My Non-Exempt Assets in Bankruptcy?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/30/can-i-keep-my-non-exempt-assets-in-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/30/can-i-keep-my-non-exempt-assets-in-bankruptcy/#comments</comments>
		<pubDate>Thu, 01 Oct 2009 03:59:54 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Exemptions In Bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy court]]></category>
		<category><![CDATA[bankruptcy lawyer]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[exempt]]></category>
		<category><![CDATA[exemption]]></category>
		<category><![CDATA[Federal Bankrutpcy Law]]></category>
		<category><![CDATA[keep assets]]></category>
		<category><![CDATA[trustee]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9740</guid>
		<description><![CDATA[You can keep property when you file bankruptcy in Chapter 7 in some situations, but usually always in Chapter 13 bankruptcy.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Be Wary of Your &quot;Friends&quot;</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/30/be-wary-of-your-friends/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/30/be-wary-of-your-friends/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 23:45:51 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[Debt Collection Laws]]></category>
		<category><![CDATA[Debt Collector Abuse]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[collect bad debts]]></category>
		<category><![CDATA[creditor harassment]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[debtor]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[Myspace]]></category>
		<category><![CDATA[social networking]]></category>
		<category><![CDATA[Twitter]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=397</guid>
		<description><![CDATA[Debt collectors have joined the social networking craze in an attempt to collect bad debt.  Facebook, Myspace and Twitter are being infiltrated by debt collectors.  Posing as a &#8220;friend&#8221; they simply send a &#8220;friend request&#8221; to the delinquent debtor, who will often accept.  This could have serious consequences.
Once the debt collector has access to your [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Can I File Bankruptcy if My Only Income is Social Security?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/29/can-i-file-bankruptcy-if-my-only-income-is-social-security/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/29/can-i-file-bankruptcy-if-my-only-income-is-social-security/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 02:31:58 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[Benefits of Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Exemptions In Bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[car payment]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[consumer bankruptcy attorney]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[exempt]]></category>
		<category><![CDATA[judgment]]></category>
		<category><![CDATA[judgment proof]]></category>
		<category><![CDATA[medical debt]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[personal property]]></category>
		<category><![CDATA[real property]]></category>
		<category><![CDATA[secured debt]]></category>
		<category><![CDATA[Social Security income]]></category>
		<category><![CDATA[SSD]]></category>
		<category><![CDATA[stop phone calls]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9722</guid>
		<description><![CDATA[If your only income is Social Security or SSD, you can file bankruptcy.  But you may not have to. 
If you do not plan on going back to work, you may not need to file bankruptcy because you are considered to be &#8220;judgment proof&#8221;.  That means that while your creditors can sue you and obtain a [...]]]></description>
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		<title>REMINDER: New Credit Card Rules Go into Effect in 2010</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/29/reminder-new-credit-card-rules-go-into-effect-in-2010/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/29/reminder-new-credit-card-rules-go-into-effect-in-2010/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 02:05:37 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[30 days late]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[billing statement]]></category>
		<category><![CDATA[borrow]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card debts]]></category>
		<category><![CDATA[credit card users]]></category>
		<category><![CDATA[deferred interest]]></category>
		<category><![CDATA[Federal Reserve Board]]></category>
		<category><![CDATA[higher interest]]></category>
		<category><![CDATA[higher rates]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[late fee]]></category>
		<category><![CDATA[late payments]]></category>
		<category><![CDATA[minimum payment]]></category>
		<category><![CDATA[new rules]]></category>
		<category><![CDATA[two-cycle billing]]></category>
		<category><![CDATA[unfair collection]]></category>
		<category><![CDATA[unfair practice]]></category>
		<category><![CDATA[variable rate]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=356</guid>
		<description><![CDATA[New rules prohibiting unfair collection acts and practices will go into effect in 2010.  The Federal Reserve Board announced last December the approval of these new rules to better protect credit card users.  
In the meantime, credit card companies are positioning themselves to try to lessen the impact on them of the new rules.
For instance, credit card companies are taking advantage [...]]]></description>
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		</item>
		<item>
		<title>Can I Fight Back Against Harassing Bill Collectors?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/28/can-i-fight-back-against-harassing-bill-collectors/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/28/can-i-fight-back-against-harassing-bill-collectors/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 23:36:07 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[Attorney General]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bill collectors]]></category>
		<category><![CDATA[certified letter]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[creditor harassment]]></category>
		<category><![CDATA[Fair Debt Collection Practices Act]]></category>
		<category><![CDATA[fight back]]></category>
		<category><![CDATA[old debt]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=353</guid>
		<description><![CDATA[



You can fight back against bill collectors.  One man, from Parsons, Tennessee got so mad at a collection agency trying to collect an old debt that he decided to use some of their own tactics against the bill collectors themselves. 





Newschannel 5 in Nashville reports that Randy Falkner fought back.  First Faulkner sent the collection agency a certified letter asking [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Homestead Exemption in Bankruptcy is Hard to Lose</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/25/the-homestead-exemption-in-bankruptcy-is-hard-to-lose/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/25/the-homestead-exemption-in-bankruptcy-is-hard-to-lose/#comments</comments>
		<pubDate>Fri, 25 Sep 2009 14:57:39 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Cases & Legislation]]></category>
		<category><![CDATA[Exemptions In Bankruptcy]]></category>
		<category><![CDATA[bad faith]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[homestead exemption]]></category>
		<category><![CDATA[New York]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9569</guid>
		<description><![CDATA[I recently blogged the question &#8220;Is it possible to lose my homestead exemption in bankruptcy court?&#8221;    This is an important question because people who file bankruptcy want to be sure that their homes will be safe.   
That question has now been clearly answered in the Northern District of New York.   Bankruptcy Court Judge Diane [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Collection Agencies are Prohibited From Using Harassing or Abusive Practices</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/31/debt-collection-agencies-are-prohibited-from-using-harassing-or-abusive-practices/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/31/debt-collection-agencies-are-prohibited-from-using-harassing-or-abusive-practices/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 23:38:13 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[Debt Collection Laws]]></category>
		<category><![CDATA[Debt Collector Abuse]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[Seize property; threaten violence; creditor harassment;]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=381</guid>
		<description><![CDATA[The New York State Attorney General’s office has issued warnings that certain tactics will not be tolerated by debt collectors in New York State.  These include:
Harassing or Abusive Tactics – threatening the use of violence; continuously calling you with intent to annoy or harass; using obscene language; or not disclosing their identity when they call.
False [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/08/31/debt-collection-agencies-are-prohibited-from-using-harassing-or-abusive-practices/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Credit Card Arbitration Fair and Impartial?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/07/31/is-credit-card-arbitration-fair-and-impartial/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/07/31/is-credit-card-arbitration-fair-and-impartial/#comments</comments>
		<pubDate>Fri, 31 Jul 2009 22:00:15 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=332</guid>
		<description><![CDATA[For many years consumer advocates have claimed that the arbitration provided in credit card disputes was not fair to the consumer.  It seemed that the arbitrators always just rubber stamped the claims made by the credit card companies.
Two weeks ago, Minnesota Attorney General Lori Swanson filed a complaint against one of the biggest Arbitration companies, the [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/07/31/is-credit-card-arbitration-fair-and-impartial/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My Town Can&#8217;t Pay It&#8217;s Bills&#8230;Can It File Bankruptcy?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/07/31/my-town-cant-pay-its-billscan-it-file-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/07/31/my-town-cant-pay-its-billscan-it-file-bankruptcy/#comments</comments>
		<pubDate>Fri, 31 Jul 2009 21:33:31 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8318</guid>
		<description><![CDATA[States, cities, towns and villages all over the country are in financial distress.  Some, like the village of Johnson City in Broome County, New York are considering merging into the surrounding town of Union.  Others are not paying their payrolls on time, or drastically cutting back on essential services.  At least one town in Indiana is [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/07/31/my-town-cant-pay-its-billscan-it-file-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>US Health Care Financing System is Broken &#8211; Most Bankruptcies Due To Medical Debt</title>
		<link>http://www.bankruptcylawnetwork.com/2009/06/30/us-health-care-financing-system-is-broken-most-bankruptcies-due-to-medical-debt/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/06/30/us-health-care-financing-system-is-broken-most-bankruptcies-due-to-medical-debt/#comments</comments>
		<pubDate>Wed, 01 Jul 2009 03:45:35 +0000</pubDate>
		<dc:creator>Peter Orville, Attorney at Law</dc:creator>
				<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=7774</guid>
		<description><![CDATA[&#8220;The US health care financing system is broken, and not only for the poor and uninsured&#8221;  According to a recent study in The American Journal of Medicine, middle-class families are collapsing under the strain of &#8220;a health care system that treats physical wounds, but often inflicts fiscal ones&#8221;.
The study, (http://pnhp.org/new_bankruptcy_study/Bankruptcy-2009.pdf) claims that 62.1% of all bankruptcies filed [...]]]></description>
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