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	<title>Allen - Plano - Mckinney - TX - Bankruptcy - Attorney</title>
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	<description>Allen &#38; McKinney TX  Bankruptcy Attorney</description>
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		<title>Bankruptcy when Only One Spouse Files: The Community Property Discharge</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/04/when-only-one-spouse-files-bankruptcy-community-property-discharge/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/04/when-only-one-spouse-files-bankruptcy-community-property-discharge/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 23:32:45 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=541</guid>
		<description><![CDATA[In Texas, the marital community enjoys the protection of the filing spouse's chapter 7 bankruptcy discharge]]></description>
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		<title>Beware of Loan Modification!</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/02/beware-of-loan-modification/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/02/beware-of-loan-modification/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 15:34:26 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=537</guid>
		<description><![CDATA[Many of my clients and homeowners around the country are reporting a lack of success with their attempt to obtain loan modification.  Beware of Mortgage Servicing Firms that are telling their clients that they have to be three months late before they can even apply.  After they apply, these homeowners  are then given a run-around.  [...]]]></description>
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		<title>Timeline of Events in a Chapter 7 Bankruptcy</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/02/what-happens-before-and-after-i-file-chapter-7-bankruptcy/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/02/what-happens-before-and-after-i-file-chapter-7-bankruptcy/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 01:59:34 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[timeline]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=527</guid>
		<description><![CDATA[Bankruptcy Timeline: You set an initial appointment with your bankruptcy attorney and make arrangements to be in the office at the appointed place and time to discuss whether a chapter 7 is the right solution for you. Either at the initial consultation or later, you will retain your new chapter 7 lawyer and pay the [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>5 Truths About Debt Consolidation Programs</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/01/5-truths-about-debt-consolidation-that-you-need-to-know/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/01/5-truths-about-debt-consolidation-that-you-need-to-know/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 17:25:14 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[debt negotiation]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[not-for-profit debt consolidation]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=507</guid>
		<description><![CDATA[1. They are not designed to get you out of debt 2. The not-for-profit ones are no better than the for profit ones 3. Most people don&#8217;t get out of debt using a debt consolidation plan 4. Bankruptcy, even Ch 13, is often better than a debt consolidation plan 5. The debt consolidation industry fails [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Is an &#8220;Online&#8221; Bankruptcy Right for You?</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/01/is-online-bankruptcy-for-you/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/01/is-online-bankruptcy-for-you/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 17:13:57 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=500</guid>
		<description><![CDATA[Bankruptcy is intended to help a person in financial crisis get a fresh start, but the laws and regulations you need to comply with are very complex and vary from person to person, and state to state. An online service can help someone prepare a petition, but it cannot serve as an advocate to help [...]]]></description>
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		<title>When is Bankruptcy the Way Out?</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/01/when-is-bankruptcy-the-way-out/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/01/when-is-bankruptcy-the-way-out/#comments</comments>
		<pubDate>Sun, 10 Jan 2010 20:55:09 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=473</guid>
		<description><![CDATA[Accountants generate a report called a &#8220;cash flow statement.&#8221;  It is a fancy way of deciding whether you are spending more than you are making; in other words, if you are &#8220;in the hole.&#8221;   &#8220;In the hole&#8221; is not a technical term, but I like to refer to it when talking with people about [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Can I Discharge Student Loans in Bankruptcy?</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/01/can-i-discharge-student-loans-in-bankruptcy/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/01/can-i-discharge-student-loans-in-bankruptcy/#comments</comments>
		<pubDate>Fri, 08 Jan 2010 18:49:28 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=467</guid>
		<description><![CDATA[The short answer is no.  But &#8230; in some rare cases, student loans can be discharged if the debtor can show &#8220;undue hardship.&#8221;  The standard for &#8220;undue hardship&#8221; requires a three-part showing: (1) that you cannot maintain, based on current income and expenses, a &#8220;minimal&#8221; standard of living for herself and her dependents if forced [...]]]></description>
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		<title>Is Chapter 7 or Chapter 13 Bankruptcy Better?</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/01/is-chapter-7-or-chapter-13-bankruptcy-better-2/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/01/is-chapter-7-or-chapter-13-bankruptcy-better-2/#comments</comments>
		<pubDate>Fri, 08 Jan 2010 18:45:05 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=464</guid>
		<description><![CDATA[Is Chapter 7 or Chapter 13 Bankruptcy Better?]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Predatory Credit Card Lenders &#8211; The Inside Story</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2010/01/predatory-credit-card-practices/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2010/01/predatory-credit-card-practices/#comments</comments>
		<pubDate>Fri, 08 Jan 2010 15:31:39 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[predatory]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=455</guid>
		<description><![CDATA[The inside story on how B of A conducts it&#8217;s business to maximize profit, without any concern for it&#8217;s customers.  This goes further than the often maligned practice of increasing interest rates to 30% for individuals who are late or struggling to pay, and it is important to listen to the voices of those who [...]]]></description>
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		<title>If I file for Chapter 13 Bankruptcy, How much will I have to pay my creditors each month?</title>
		<link>http://www.dallas-bankruptcylaw.com/blog/2009/12/if-i-file-for-chapter-13-bankrtupcy-how-much-will-i-have-to-pay-to-creditors-each-month-answer-ability-to-pay/</link>
		<comments>http://www.dallas-bankruptcylaw.com/blog/2009/12/if-i-file-for-chapter-13-bankrtupcy-how-much-will-i-have-to-pay-to-creditors-each-month-answer-ability-to-pay/#comments</comments>
		<pubDate>Sat, 19 Dec 2009 03:11:53 +0000</pubDate>
		<dc:creator>msices</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[ability to pay]]></category>
		<category><![CDATA[BAPCPA]]></category>
		<category><![CDATA[Chapter 11]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[disposable monthly income]]></category>
		<category><![CDATA[unsecured debt]]></category>

		<guid isPermaLink="false">http://www.dallas-bankruptcylaw.com/?p=397</guid>
		<description><![CDATA[If you are swamped with debt, you can discharge all of your credit card and unsecured debt in a Chapter 7 immediately, keeping exempt assets such as a house or car, and other household items.   However, if you earn more than the median income in Texas (for your household size), then the new bankruptcy code [...]]]></description>
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