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	<title>Chapter 7 and 13 Bankruptcy Blog &#187; Bankruptcy Case Reviews</title>
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	<link>http://chapter7and13bankruptcyblog.com</link>
	<description>Articles written by Victoria Ring, a Certified Paralegal and Bankruptcy Training Instructor</description>
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		<title>Would This Cause a Creditor to Object to a Chapter 13 Plan?</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/1070</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/1070#comments</comments>
		<pubDate>Mon, 20 Jun 2011 17:17:13 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[california attorney training]]></category>
		<category><![CDATA[central district bankruptcy]]></category>
		<category><![CDATA[Chapter 13 training]]></category>
		<category><![CDATA[CLE training]]></category>
		<category><![CDATA[lawyer training]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[mortgage underwater]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=1070</guid>
		<description><![CDATA[I worked on a case this past week with a California attorney, practicing in the Riverside Division of the Central District.  The client had a home that carried a mortgage of $402,500; however, the home was appraised at only $178,000.  This is a common occurrence in California.  Although the real estate market crash has affected [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Mid-Week Bankruptcy Case Review &#8211; Issue 7</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/931</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/931#comments</comments>
		<pubDate>Thu, 27 Jan 2011 19:53:10 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[attorney tool]]></category>
		<category><![CDATA[bankruptcy law firms.]]></category>
		<category><![CDATA[chapter 13 plan]]></category>
		<category><![CDATA[cram down]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[free attorney tool]]></category>
		<category><![CDATA[fund a chapter 13 plan]]></category>
		<category><![CDATA[how bankruptcy attorneys can save money]]></category>
		<category><![CDATA[law firms save money]]></category>
		<category><![CDATA[real estate cram down]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=931</guid>
		<description><![CDATA[Issue 07 &#8211; January 27, 2011 RE:  HOW AN ATTORNEY COULD HAVE SAVED $250 AND A GREAT DEAL OF TIME In this issue I am going to discuss a problem with a Chapter 13 client that has happened twice during the past month. Perhaps this article will help so that the same thing does not [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mid-Week Bankruptcy Case Review &#8211; Issue 6</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/909</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/909#comments</comments>
		<pubDate>Fri, 17 Dec 2010 23:16:02 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[Bankruptcy Petition Tips]]></category>
		<category><![CDATA[asset search]]></category>
		<category><![CDATA[bankground search]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[criminal records]]></category>
		<category><![CDATA[debtor background]]></category>
		<category><![CDATA[independent paralegal]]></category>
		<category><![CDATA[intake tips]]></category>
		<category><![CDATA[PACER]]></category>
		<category><![CDATA[petition tips]]></category>
		<category><![CDATA[post bankruptcy procedures]]></category>
		<category><![CDATA[public records search]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=909</guid>
		<description><![CDATA[Issue 06 &#8211; December 18, 2010 RE: THE IMPORTANCE OF A THOROUGH ASSET SEARCH As an independent paralegal I am often approached by people who want to file bankruptcy but have no clue how to start the process. This is an opportunity for me to provide them with the names of two or three attorneys [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mid Week Bankruptcy Case Review &#8211; Issue 6</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/904</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/904#comments</comments>
		<pubDate>Sat, 11 Dec 2010 03:05:40 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy attorney help line]]></category>
		<category><![CDATA[bankruptcy case review]]></category>
		<category><![CDATA[case review]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[filing Chaptger 13 to keep home]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[legal case review]]></category>
		<category><![CDATA[means test]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=904</guid>
		<description><![CDATA[Issue 06 &#8211; December 11, 2010 RE: THE TRIED AND TRUE METHOD OF BUILDING YOUR LAW PRACTICE We had a couple who originally wanted to file a Chapter 13 so they could keep their home. However, they were unable to pass the Means Test. Is this a problem? You bet it is.  Many attorneys who [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Mid-Week Bankruptcy Case Review &#8211; Issue 5</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/902</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/902#comments</comments>
		<pubDate>Sun, 05 Dec 2010 03:23:03 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankrujptcy]]></category>
		<category><![CDATA[bankruptcy case review]]></category>
		<category><![CDATA[bankruptcy training]]></category>
		<category><![CDATA[debtor]]></category>
		<category><![CDATA[keep credit card]]></category>
		<category><![CDATA[lawyer training]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=902</guid>
		<description><![CDATA[When Donny Debtor came into the office to review his bankruptcy petition before filing, we asked him if he had any other credit cards that were not listed on Schedule F.  He said he had a JC Penny and Macy card but wanted to keep them in case of an emergency.

This is a typical situation that is played out in law firms thousands of times per day. In fact, it happens so frequently that debts are often left out of petitions; thus creating major problems. Therefore, if you learn anything from this article, learn to always ask debtors these questions before filing the bankruptcy petition:]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Mid-Week Bankruptcy Case Review &#8211; Issue 4</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/874</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/874#comments</comments>
		<pubDate>Mon, 15 Nov 2010 03:04:08 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[attorney education]]></category>
		<category><![CDATA[attorneys]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy case review]]></category>
		<category><![CDATA[case review]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[chapter 7 unexempt equity]]></category>
		<category><![CDATA[consumer bankruptcy]]></category>
		<category><![CDATA[lawyer school]]></category>
		<category><![CDATA[lawyers]]></category>
		<category><![CDATA[online legal education]]></category>
		<category><![CDATA[unexempt equity]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=874</guid>
		<description><![CDATA[Issue 04 &#8211; November 15, 2010 RE: UNEXEMPT EQUITY IN A CHAPTER 7 When Mary Doe (fictitious name) filed her Chapter 7 bankruptcy petition, the attorney used the Kelly Blue Book TRADE IN value for her car on Schedule B; which was $5,200.  The attorney was not aware that the local Trustee used the PRIVATE [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homeowners = Losers and Lenders = Winners</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/868</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/868#comments</comments>
		<pubDate>Tue, 09 Nov 2010 04:17:59 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[Cram Downs and Strip Downs]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[mortgage crisis]]></category>
		<category><![CDATA[mortgage in bankruptcy]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[mortgage strip down]]></category>
		<category><![CDATA[private mortgage insurance]]></category>
		<category><![CDATA[renting vs buying]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=868</guid>
		<description><![CDATA[Many bankruptcy attorneys that we prepare petitions for are normally apprehensive regarding cram downs and strips downs of mortgages.  Although I have written many articles about these topics, one angle I have not covered before is the angle of NOT proposing cram downs or strip downs at all. This is great news for those bankruptcy attorney practicing in states where they encounter problems with the courts when they try to propose cram downs and strip downs to help their debtors.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Mid-Week Bankruptcy Case Review &#8211; Issue 3</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/856</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/856#comments</comments>
		<pubDate>Wed, 03 Nov 2010 02:51:27 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[attorney case review]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy case review]]></category>
		<category><![CDATA[bankruptcy schedule c]]></category>
		<category><![CDATA[compliance with schedule c]]></category>
		<category><![CDATA[exemptions]]></category>
		<category><![CDATA[reside in state 730 days]]></category>
		<category><![CDATA[schedule c]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=856</guid>
		<description><![CDATA[Issue 03 &#8211; November 3, 2010 COMPLIANCE WITH SCHEDULE C EXEMPTIONS One very confusing fact for attorneys new to bankruptcy is that the debtor(s) need to reside in the state they are filing bankruptcy in for a period of 730 days (2.3 years) in order to be entitled to use that particular state’s exemption allowances [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mid Week Bankruptcy Case Review &#8211; Issue 02</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/851</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/851#comments</comments>
		<pubDate>Wed, 27 Oct 2010 02:00:17 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[adversary proceeding]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy case review]]></category>
		<category><![CDATA[bankruptcy fraud]]></category>
		<category><![CDATA[law firm training]]></category>
		<category><![CDATA[lawyer training]]></category>
		<category><![CDATA[paralegal training]]></category>
		<category><![CDATA[prequalifying debtors]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=851</guid>
		<description><![CDATA[The case review this week is a clear indication of why attorneys need to pre-qualify their debtors before accepting them as clients. Not only do you need to protect yourself from accepting fraudulent cases but also from cases that cost you a great deal of time and money. This is necessary to build a strong law firm that is not only profitable but beneficial to the community it serves.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mid-Week Bankruptcy Case Review &#8211; Issue 01</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/823</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/823#comments</comments>
		<pubDate>Wed, 20 Oct 2010 03:01:24 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Case Reviews]]></category>
		<category><![CDATA[Cram Downs and Strip Downs]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy petition]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[proposing cram downs]]></category>
		<category><![CDATA[Sonya Banks]]></category>
		<category><![CDATA[strip down mortgage]]></category>
		<category><![CDATA[virtual petitions]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=823</guid>
		<description><![CDATA[Issue 01 &#8211; October 20, 2010 This is the first issue of a new publication I plan to publish each week.  The information in this publication is made possible by the Chapter 7 and 13 bankruptcy petition reviews we do for attorneys nationwide.  We felt by sharing this information with other attorneys and law firms, [...]]]></description>
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