<?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>Chapter 7 and 13 Bankruptcy Blog &#187; Cram Downs and Strip Downs</title>
	<atom:link href="http://chapter7and13bankruptcyblog.com/archives/category/cram-downs-and-strip-downs/feed" rel="self" type="application/rss+xml" />
	<link>http://chapter7and13bankruptcyblog.com</link>
	<description>Articles written by Victoria Ring, a Certified Paralegal and Bankruptcy Training Instructor</description>
	<lastBuildDate>Tue, 13 Sep 2011 20:55:32 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.2.1</generator>
		<item>
		<title>Mortgage Cram Down Report</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/1091</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/1091#comments</comments>
		<pubDate>Tue, 28 Jun 2011 22:21:48 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Cram Downs and Strip Downs]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[Chapter 13 training]]></category>
		<category><![CDATA[cramdown]]></category>
		<category><![CDATA[first mortgage cram down]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[strip down]]></category>
		<category><![CDATA[strip second mortgage]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=1091</guid>
		<description><![CDATA[Last week there was a great deal of controversy surrounding the topic of first mortgage cram downs based upon articles I had written about the subject.  Some attorneys became angry and upset while others researched the topic and sent me their comments which appear below. I hope this article helps to resolve the issue and [...]]]></description>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/1091/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How are cram downs handled in your jurisdiction?</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/1089</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/1089#comments</comments>
		<pubDate>Fri, 24 Jun 2011 19:21:23 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Cram Downs and Strip Downs]]></category>
		<category><![CDATA[bankruptcy attorney training]]></category>
		<category><![CDATA[bankruptcy education]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 13 cram down]]></category>
		<category><![CDATA[CLE]]></category>
		<category><![CDATA[cram down mortgage]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[mortgage strip down]]></category>
		<category><![CDATA[online training]]></category>
		<category><![CDATA[reduce mortgage payment]]></category>
		<category><![CDATA[strip mortgage]]></category>
		<category><![CDATA[strip second mortgage]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=1089</guid>
		<description><![CDATA[There have been a lot of conflicting stories regarding the treatment of mortgage cram downs and strip downs in the various bankruptcy courts. Some attorneys have proposed cram downs on first mortgages and those Chapter 13 Plans have been confirmed.  Other attorneys have only been successful in proposing second mortgage cram downs but unable to [...]]]></description>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/1089/feed</wfw:commentRss>
		<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>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/868/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="http://chapter7and13bankruptcyblog.com/audios/article111.mp3" length="10787932" type="audio/mpeg" />
		</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>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/823/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Good News for Bankruptcy Attorneys:  Loan Modifications May Be Automatic for Your Client When the Bankruptcy Petition is Filed</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/805</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/805#comments</comments>
		<pubDate>Sun, 10 Oct 2010 08:38:51 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Cram Downs and Strip Downs]]></category>
		<category><![CDATA[cram down mortgage]]></category>
		<category><![CDATA[deed in lieu]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[mortgage industry]]></category>
		<category><![CDATA[mortgage strip]]></category>
		<category><![CDATA[strip off mortgage]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=805</guid>
		<description><![CDATA[I can remember a time (less than 2 years ago) when proposing a loan modification to a mortgage company meant hiring an expert who could work the system internally with their established contacts.  But today, more than 80 percent of the mortgage companies are bending over backwards to give debtors loan modifications when they file bankruptcy and often before the 341 Meeting of Creditors.]]></description>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/805/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pre-Qualifying Debtors for a Mortgage Cram Down</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/710</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/710#comments</comments>
		<pubDate>Sun, 05 Sep 2010 21:16:08 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Cram Downs and Strip Downs]]></category>
		<category><![CDATA[attorney training]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy cram down]]></category>
		<category><![CDATA[bankruptcy lawyer]]></category>
		<category><![CDATA[bankruptcy strip]]></category>
		<category><![CDATA[cram down mortgage]]></category>
		<category><![CDATA[legal training]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[mortgage strip down]]></category>
		<category><![CDATA[paralegal training]]></category>
		<category><![CDATA[strip second mortgage]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=710</guid>
		<description><![CDATA[I had two attorneys this week send us bankruptcy cases where they wanted to propose a Cram Down on the FIRST mortgage and a Strip Down of the SECOND because the house was underwater. Unfortunately, both of the bankruptcy clients were not eligible for a cram down.  I had to call both attorneys and let them know.  They were shocked and were not aware that pre-qualification was necessary to propose a mortgage cram down and strip.  This is when I decided to write this article to help other attorneys and their law firms.]]></description>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/710/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Understanding the New Foreclosure Proposal by President Obama</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/62</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/62#comments</comments>
		<pubDate>Sun, 28 Feb 2010 21:50:01 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Cram Downs and Strip Downs]]></category>
		<category><![CDATA[attorney]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[freddie mac]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=62</guid>
		<description><![CDATA[&#8211; a perspective for the Chapter 7 and 13 bankruptcy professional On February 25, 2010, President Obama proposed a bill that would prohibit foreclosures on home loans unless they have been screened and rejected by the governments Home Affordable Modification Program, also known as HAMP. At the present time, companies have the ability to proceed [...]]]></description>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/62/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Banks Are Viewing Cram Downs Proposed in Bankruptcy</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/18</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/18#comments</comments>
		<pubDate>Mon, 18 Jan 2010 01:16:32 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Cram Downs and Strip Downs]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Chapter 13 cram down]]></category>
		<category><![CDATA[cram down]]></category>
		<category><![CDATA[mortgage cram down]]></category>
		<category><![CDATA[Victoria Ring]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=18</guid>
		<description><![CDATA[Dear Victoria Ring: Thanks for all you do.  And I appreciate the information you provide to us.  I just wanted to add that I currently work for a major bank.  I work with borrowers with defaulted business loans.  And let me tell you that on a lot of the deals we have, I have seen [...]]]></description>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/18/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Cram Down and Strip Down Q and A</title>
		<link>http://chapter7and13bankruptcyblog.com/archives/24</link>
		<comments>http://chapter7and13bankruptcyblog.com/archives/24#comments</comments>
		<pubDate>Thu, 24 Dec 2009 20:12:44 +0000</pubDate>
		<dc:creator>Victoria Ring</dc:creator>
				<category><![CDATA[Cram Downs and Strip Downs]]></category>

		<guid isPermaLink="false">http://chapter7and13bankruptcyblog.com/?p=24</guid>
		<description><![CDATA[The following questions and answers were submitted to Chapter713Training.Com either at a teleconference or by email during this past week. The answers are provided by Victoria Ring who is not an attorney.  Therefore, the information provided in this material is for training purposes only and no whole or part should be regarded as legal advice. [...]]]></description>
		<wfw:commentRss>http://chapter7and13bankruptcyblog.com/archives/24/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

