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	<title>Chapter 7 and 13 Bankruptcy Blog &#187; Chapter 13 Training and Info</title>
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	<description>Articles written by Victoria Ring, a Certified Paralegal and Bankruptcy Training Instructor</description>
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		<title>A Quick Tip for Qualifying a Chapter 13</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/1094</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/1094#comments</comments>
		<pubDate>Wed, 29 Jun 2011 21:48:00 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Petition Tips]]></category>
		<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[arrearage]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy petition]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 13 training]]></category>
		<category><![CDATA[CLE]]></category>
		<category><![CDATA[lawyer training]]></category>
		<category><![CDATA[petition preparation]]></category>
		<category><![CDATA[quick tip]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=1094</guid>
		<description><![CDATA[I just got off the phone with an attorney in Florida regarding a case he was working on.  Believe it or not, these debtors actually had equity in their home (which is rare to find in this day and age.)  Their home was appraised at $400,000 and they owed $387,000. Originally the attorney filed a [...]]]></description>
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		<title>Cram Downs Are Now Permitted in Ohio</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/1072</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/1072#comments</comments>
		<pubDate>Mon, 20 Jun 2011 20:19:31 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Petition Tips]]></category>
		<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[attorney cle]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[chapter 13 education]]></category>
		<category><![CDATA[Chapter 13 training]]></category>
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		<category><![CDATA[cram down]]></category>
		<category><![CDATA[cramdown]]></category>
		<category><![CDATA[lawyer training]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[mortgage strip down]]></category>
		<category><![CDATA[online training]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=1072</guid>
		<description><![CDATA[After sending out my last article, I received an email from Michael Warren, an experienced bankruptcy attorney in Chillicothe, Ohio.  He informed me that cram downs are now permitted in Ohio. This is a major breakthrough.  Below is the email I received from Attorney Warren: &#8220;Cram down and strip off are slightly different things.  Cram [...]]]></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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		<title>Is There Such a Thing as an Easy Chapter 13?</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/1060</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/1060#comments</comments>
		<pubDate>Mon, 06 Jun 2011 18:06:27 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy attorney training]]></category>
		<category><![CDATA[bankruptcy petition preparation]]></category>
		<category><![CDATA[bankruptcy petition review]]></category>
		<category><![CDATA[bankruptcy training]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[lawyer training]]></category>
		<category><![CDATA[online training]]></category>
		<category><![CDATA[virtual assistant]]></category>
		<category><![CDATA[virtual legal assistant]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=1060</guid>
		<description><![CDATA[&#8211; by Victoria Ring, Certified Paralegal and Bankruptcy Specialist I consider it a pleasure and an honor to work with many new bankruptcy attorneys. On Friday I received an email from a new attorney in New York who was in a desperate bind.  In the initial interview, he had told the clients that their Chapter [...]]]></description>
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		<title>New Chapter 13 Training Materials Added</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/985</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/985#comments</comments>
		<pubDate>Mon, 14 Mar 2011 03:51:01 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy school]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 plan]]></category>
		<category><![CDATA[Chapter 13 training]]></category>
		<category><![CDATA[CLE]]></category>
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		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=985</guid>
		<description><![CDATA[A total of 78 new pages of Chapter 13 documentation was added to My Bankruptcy School today at: http://www.mybankruptcyschool.com This new documentation includes two exercises, complete with computer screen shots to assist you in advancing your knowledge of Chapter 13s. In addition, an entire section provided by the Chapter 13 Trustee&#8217;s office is provided to [...]]]></description>
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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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		<title>Believe it Or Not &#8211; The Bankruptcy Trustee Could Be Wrong</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/895</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/895#comments</comments>
		<pubDate>Wed, 01 Dec 2010 05:07:42 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Training Articles]]></category>
		<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[341 meeting]]></category>
		<category><![CDATA[answering trustee]]></category>
		<category><![CDATA[attorney training]]></category>
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		<category><![CDATA[bankruptcy training]]></category>
		<category><![CDATA[bankruptcy training article]]></category>
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		<category><![CDATA[trustee recommendations]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=895</guid>
		<description><![CDATA[Many of the attorneys that we prepare petitions for are shocked when they go to their 341 Meeting and receive a list of Trustee Recommendations.  Because we provide paralegal services to our attorneys through confirmation of the plan or discharge of the Chapter 7 they will call us back to review the issues addressed by [...]]]></description>
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		<title>What to Do When a Debtor Wants to File a Chapter 7 but the Means Test Qualifies Them for a Chapter 13</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/510</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/510#comments</comments>
		<pubDate>Sat, 07 Aug 2010 21:53:27 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy Petition Tips]]></category>
		<category><![CDATA[Bankruptcy Training Articles]]></category>
		<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[attorney marketing]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy petition]]></category>
		<category><![CDATA[bankruptcy training]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[qualify for chapter 13]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=510</guid>
		<description><![CDATA[&#8211; Victoria Ring, Colorado Bankruptcy Training For those of you just entering the field of debtor bankruptcy, this article will be very helpful to you because it addresses a very common problem that occurs when working with debtors.  The common problem is that debtors want their cake and eat it too. This statement may sound [...]]]></description>
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		<title>Steps for Changing a Chapter 7 Petition Into a Chapter 13</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/152</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/152#comments</comments>
		<pubDate>Thu, 13 May 2010 23:10:15 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy petition preparation]]></category>
		<category><![CDATA[change chapter 7 to 13]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 petition]]></category>
		<category><![CDATA[chapter 13 skills training]]></category>
		<category><![CDATA[legal skills]]></category>
		<category><![CDATA[paralegal]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=152</guid>
		<description><![CDATA[STEPS FOR CHANGING A CHAPTER 7 PETITION TO A CHAPTER 13 1.   Prepare the petition as you would a Chapter 7. 2.   Complete the Means Test to make sure the debtor qualifies for a Chapter 13. Additional qualifications of debtor to be eligible to file a Chapter 13: a.   an individual (no corporations or partnerships); [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Free Chapter 13 Plans and Local Forms</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/139</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/139#comments</comments>
		<pubDate>Thu, 13 May 2010 04:52:47 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Chapter 13 Training and Info]]></category>
		<category><![CDATA[bankruptcy court forms]]></category>
		<category><![CDATA[Chapter 13 Plans]]></category>
		<category><![CDATA[federal forms]]></category>
		<category><![CDATA[free federal forms]]></category>
		<category><![CDATA[how to file chapter 13 plan]]></category>
		<category><![CDATA[local forms]]></category>
		<category><![CDATA[PACER]]></category>
		<category><![CDATA[PDF forms]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=139</guid>
		<description><![CDATA[Note: This article is not written with the intent of taking business away from bankruptcy software companies who sell Local Forms and Chapter 13 Plans as “add on” packages. Instead, I am writing this article because I personally do not believe that anyone should be forced to buy something simply because they lack knowledge of [...]]]></description>
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