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	<title>Bankruptcy Law Network &#187; Discharge of Debt</title>
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		<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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		<title>Pamela Stewart speaks at The People&#8217;s Law School</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/12/pamela-stewart-speaks-at-the-peoples-law-school/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/12/pamela-stewart-speaks-at-the-peoples-law-school/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 00:50:25 +0000</pubDate>
		<dc:creator>Pamela Stewart, Attorney at Law</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[Exemptions In Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=10017</guid>
		<description><![CDATA[Pamela Stewart, a Houston/Victoria (Texas) consumer bankruptcy lawyer spoke recently about bankruptcy at The People&#8217;s Law School sponsored by The University of Houston Law Center  &#8211; Center for Consumer Law.
Highlights of the session included discussion of the different chapters of bankruptcy, who is eligible to file a Chapter 7 or Chapter 13 bankruptcy, the meeting of creditors that all [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Frequently Asked Questions About Bankruptcy-Part Four</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/29/frequently-asked-questions-about-bankruptcy-part-four/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/29/frequently-asked-questions-about-bankruptcy-part-four/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 23:36:35 +0000</pubDate>
		<dc:creator>Däna Wilkinson, Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Benefits of Bankruptcy]]></category>
		<category><![CDATA[Debts Not Dischargeable]]></category>
		<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9661</guid>
		<description><![CDATA[I&#8217;ve been posting about bankruptcy questions asked most frequently by my clients, and I&#8217;ve dealt with questions about the pre-bankruptcy process, procedural issues, and Chapter 13 issues.  But almost all my clients want to know about life after bankruptcy.  Once again, I cannot over-emphasize the importance of consulting your own bankruptcy lawyer because circumstances can [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/29/frequently-asked-questions-about-bankruptcy-part-four/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>I Need to File Bankruptcy Again, Can I?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/28/i-need-to-file-bankruptcy-again-can-i/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/28/i-need-to-file-bankruptcy-again-can-i/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 20:21:00 +0000</pubDate>
		<dc:creator>Jill Michaux, Kansas Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Automatic Stay In Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Discharge of Debt]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9628</guid>
		<description><![CDATA[If you have filed for bankruptcy before, you may be able to file again if you need to.  But, to determine if you can get another discharge in bankruptcy, you need to know the petition date and chapter of your previous case.
There is a myth that you can only file bankruptcy every seven years.  That [...]]]></description>
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		<title>Frequently Asked Questions About Bankruptcy-Part One</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/24/most-frequently-asked-questions-about-bankruptcy-part-one/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/24/most-frequently-asked-questions-about-bankruptcy-part-one/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 19:32:19 +0000</pubDate>
		<dc:creator>Däna Wilkinson, Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Crimes]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[Exemptions In Bankruptcy]]></category>
		<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9479</guid>
		<description><![CDATA[Most people want simple, clear, answers to a few simple questions about bankruptcy.  Sometimes the answer depends on your circumstances.  Most bankruptcy lawyers, however, turn the tables and ask a whole lot of questions before answering the client&#8217;s questions.
Because every case is different, it&#8217;s dangerous to generalize without some factual background.  While it is no [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/24/most-frequently-asked-questions-about-bankruptcy-part-one/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Be Careful Which Debts You Reaffirm</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/21/be-careful-which-debts-you-reaffirm/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/21/be-careful-which-debts-you-reaffirm/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 19:17:50 +0000</pubDate>
		<dc:creator>Pam Stewart</dc:creator>
				<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Your Bankruptcy Attorney & You]]></category>
		<category><![CDATA[reaffirmation agreement]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9402</guid>
		<description><![CDATA[A tire company sent a reaffirmation agreement to me for one of my clients to sign.  A reaffirmation agreement is a new contract to pay an old debt that is included in your bankruptcy filing.
I laughed when I saw who it was from but I laughed even harder when I discovered it was for a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>More Student Loans, School Expenses Not Discharged in Bankruptcy</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/12/more-student-loans-expenses-not-discharged-in-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/12/more-student-loans-expenses-not-discharged-in-bankruptcy/#comments</comments>
		<pubDate>Sat, 12 Sep 2009 22:34:21 +0000</pubDate>
		<dc:creator>Jill Michaux, Kansas Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Debts Not Dischargeable]]></category>
		<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[not discharged in bankruptcy]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9146</guid>
		<description><![CDATA[More student loans are not dischargeable in bankruptcy than ever before and the definition of student loan has been expanded to include private loans and expenses that are not &#8220;loans&#8221; in the traditional sense of the word loan.
The changes came after Congress passed the s0-called bankruptcy reform act in 2005 known as the Bankruptcy Abuse [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Valuation of Assets in Bankruptcy: Does it Really Matter?  (Part One)</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/31/valuation-of-assets-in-bankruptcy-does-it-really-matter-part-one/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/31/valuation-of-assets-in-bankruptcy-does-it-really-matter-part-one/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 21:53:54 +0000</pubDate>
		<dc:creator>Russell A. DeMott, Charleston Bankruptcy Lawyer</dc:creator>
				<category><![CDATA[Bankruptcy Crimes]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8910</guid>
		<description><![CDATA[The new bankruptcy law, BAPCPA (&#8221;Bankruptcy Abuse Prevention and Consumer Protection Act&#8221;) requires that a debtor&#8217;s assets must be valued at &#8220;replacement cost.&#8221;  In fact, if you meet with your attorney, he will give you a notice required by section 527(c) of the Bankruptcy Code, which probably explains valuation similar to this section from the [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/08/31/valuation-of-assets-in-bankruptcy-does-it-really-matter-part-one/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt-Settlement Companies: Promises, Promises</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/15/debt-settlement-companies-promises-promises/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/15/debt-settlement-companies-promises-promises/#comments</comments>
		<pubDate>Sat, 15 Aug 2009 11:17:19 +0000</pubDate>
		<dc:creator>Mark Buckley, Rhode Island Bankruptcy Lawyer</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Benefits of Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[Your Bankruptcy Attorney & You]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8547</guid>
		<description><![CDATA[I just returned to Rhode Island from a weeks’ vacation in Maine.  While away, I was bombarded by a whole new batch of debt settlement commercials.
Who wouldn’t want to settle their debt for pennies on the dollar?  If you can avoid bankruptcy and still make all your debts disappear, what’s not to like?  These debt-relief [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/08/15/debt-settlement-companies-promises-promises/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How long to complete a Chapter 7 bankruptcy?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/07/how-long-to-complete-a-chapter-7-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/07/how-long-to-complete-a-chapter-7-bankruptcy/#comments</comments>
		<pubDate>Fri, 07 Aug 2009 13:30:47 +0000</pubDate>
		<dc:creator>Mark Buckley, Rhode Island Bankruptcy Lawyer</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Discharge of Debt]]></category>
		<category><![CDATA[Means Testing]]></category>
		<category><![CDATA[Your Bankruptcy Attorney & You]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8455</guid>
		<description><![CDATA[The most common form of consumer bankruptcy, a Chapter 7 filing, takes about 90 days to complete.  For each case filed, the court assigns a trustee and schedules a date for a meeting of creditors.  This meeting occurs about 30 days into the process.   (And it does NOT take place in a courtroom.)
At the meeting of creditors, the bankruptcy trustee [...]]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/08/07/how-long-to-complete-a-chapter-7-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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