<?xml version="1.0" encoding="utf-8"?>
<rss version="2.0" 
    xmlns:dc="http://purl.org/dc/elements/1.1/"
    xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
    xmlns:admin="http://webns.net/mvcb/"
    xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#"
    xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd">
	<channel>
<title>Bankruptcy RSS Feed</title><link>http://www.ctbankruptcy.com/default.html</link><description>Bankruptcy Answers</description><dc:language>en</dc:language><dc:creator>melchionne.esq@snet.net</dc:creator><dc:rights>Copyright 2007 ESM</dc:rights><dc:date>2007-02-27T18:42:24-05:00</dc:date><admin:generatorAgent rdf:resource="http://www.realmacsoftware.com/" />
<admin:errorReportsTo rdf:resource="mailto:melchionne.esq@snet.net" /><sy:updatePeriod>hourly</sy:updatePeriod>
<sy:updateFrequency>1</sy:updateFrequency>
<sy:updateBase>2000-01-01T12:00+00:00</sy:updateBase>
<lastBuildDate>Mon, 21 Jan 2008 10:28:54 -0500</lastBuildDate><item><title>What is a Chapter 13?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Chapter 13</category><dc:date>2007-02-27T18:42:24-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/63778eff8323f032230a03a48122bd80-25.php#unique-entry-id-25</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/63778eff8323f032230a03a48122bd80-25.php#unique-entry-id-25</guid><content:encoded><![CDATA[Instead of discharging your debts without payment, you may propose a plan to repay your creditors over time. &nbsp; ...  The Court-appointed Trustee will criticize your budget to maximize your payments to creditors and will charge you a 'service charge' of 10% of all payments.&nbsp; ...  As a result, these types of bankruptcy are better reserved for cases when the goal is to pay mortgage arrearages in the face of a foreclosure.&nbsp; ]]></content:encoded></item><item><title>What about cost?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Preparing to File</category><dc:date>2007-02-27T18:41:44-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/574996357247079300497f6d94be0e34-24.php#unique-entry-id-24</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/574996357247079300497f6d94be0e34-24.php#unique-entry-id-24</guid><content:encoded><![CDATA[What about cost? - Currently the filing fee for a Chapter 7 case is $299.00 and a Chapter 13 is $274.00.    The filing fee can be paid to the Court in installments or waived entirely as ordered by the Court under certain circumstances. &nbsp;   Attorneys fees are always a consideration, but beware of advertisements of low fees by attorneys or paralegal firms.&nbsp; ]]></content:encoded></item><item><title>How long does a bankruptcy case take?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Your Fresh Start</category><dc:date>2007-02-27T18:41:07-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/54a51fd2d5e82c054af8d428153d56b3-23.php#unique-entry-id-23</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/54a51fd2d5e82c054af8d428153d56b3-23.php#unique-entry-id-23</guid><content:encoded><![CDATA[How long does a bankruptcy case take? - Even with the fifteen-fold increase in bankruptcy filings over the last 20 years, a typical case only takes about four to six months once it is filed.&nbsp; ...  There is typically only one hearing which occurs about thirty days after the filing date and that hearing usually takes about ten minutes.&nbsp; ...  While the creditors are deciding whether to object to your case, you are required to take a family budgeting education course which takes about 90 minutes. &nbsp; ]]></content:encoded></item><item><title>Can I hide my property from my creditors?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Preparing to File</category><dc:date>2007-02-27T18:40:31-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/9c8c385b7e3e87423af71cdfc7e826e1-22.php#unique-entry-id-22</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/9c8c385b7e3e87423af71cdfc7e826e1-22.php#unique-entry-id-22</guid><content:encoded><![CDATA[Household goods are another example, provided you don't have anything extravagant such as a Picasso painting or gold-plated faucets.&nbsp;   You cannot simply 'give' your non-protected assets to others solely to place them beyond the reach of creditors.&nbsp; ...  Failure to be completely honest with the Bankruptcy Court can result in criminal charges providing for jail time (up to 5 years) and fines (up to $250,000.00). &nbsp; ]]></content:encoded></item><item><title>Are all debts dischargeable?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>What&#x27;s Dischargeable</category><dc:date>2007-02-27T18:39:55-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/7e52d9956b49e0407c4f1ffa2f64e1ec-21.php#unique-entry-id-21</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/7e52d9956b49e0407c4f1ffa2f64e1ec-21.php#unique-entry-id-21</guid><content:encoded><![CDATA[If a creditor can prove that you incurred a debt by submitting a fraudulent financial statement or if you incurred the debt knowing that you had no ability to repay, that debt may also be declared non-dischargeable.&nbsp;   It is an urban myth that you should 'charge up' your credit cards if you know you are going to file bankruptcy anyway.&nbsp; ...  On the other hand, it is not unsual to be able to discharge many kinds of taxes, thus disproving the old adage, "The only two things certain in life are death and taxes."]]></content:encoded></item><item><title>I don&#x27;t want to file bankruptcy&#x2c; is there anything else I can do?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Alternatives</category><dc:date>2007-02-27T18:39:26-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/f4cc0a5895f8582ebef336141d55c802-20.php#unique-entry-id-20</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/f4cc0a5895f8582ebef336141d55c802-20.php#unique-entry-id-20</guid><content:encoded><![CDATA[Aside from the Chapter 7 bankruptcy that most people know about, there are Chapters for farmers (Chapter 12), businesses (Chapter 11), and individuals (Chapter 13) that all contemplate some form of payment plan.&nbsp;   Congress now requires family budgeting education and mandatory credit counseling before allowing the filing of a bankruptcy case.&nbsp;   You should always consider all of the alternatives before deciding what is best for your situation.]]></content:encoded></item><item><title>Will my friends and relatives find out?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Your Fresh Start</category><dc:date>2007-02-27T18:38:54-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/ccedbf48dc217feb26532190e3c0cadf-19.php#unique-entry-id-19</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/ccedbf48dc217feb26532190e3c0cadf-19.php#unique-entry-id-19</guid><content:encoded><![CDATA[Therefore, there is no way to prevent a nosy neighbor or friend from snooping at the Bankruptcy Court.&nbsp;   However in these times, it is highly unusual for anyone to have reason to look and you will not find your bankruptcy case published in the local paper.&nbsp;   It is likely that you probably know someone who has filed bankruptcy and just don't know it.]]></content:encoded></item><item><title>How long will filing bankruptcy affect my credit?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Credit Reports</category><dc:date>2007-02-27T18:38:19-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/3613012c1b72e85498bc42defbe97fa8-18.php#unique-entry-id-18</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/3613012c1b72e85498bc42defbe97fa8-18.php#unique-entry-id-18</guid><content:encoded><![CDATA[There is no doubt that filing bankruptcy will affect your credit rating.&nbsp;   Most people do not realize that the record of a bankruptcy filing will remain on your credit history for 10 years.&nbsp; ...  There are approaches that may minimize the effect of a bankruptcy case, but for this reason it is important that your case be handled by a trained professional.
]]></content:encoded></item><item><title>Will I Lose My Home?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Preparing to File</category><dc:date>2007-02-27T18:37:26-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/53f97539a47185d530e4614cfe033cff-17.php#unique-entry-id-17</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/53f97539a47185d530e4614cfe033cff-17.php#unique-entry-id-17</guid><content:encoded><![CDATA[Unlike the image of bankruptcy from the 1930's, the current system is not designed to take everything away from you.&nbsp; ...  Under Federal law, an individual is allowed to keep at least $18,450.00 in equity in his or her residence.&nbsp;   This is measured by taking the fair market value of the home and subtracting the balances of all outstanding mortgages. &nbsp; ]]></content:encoded></item><item><title>Life After Bankruptcy</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Your Fresh Start</category><dc:date>2007-02-27T18:35:40-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/6f85b8879f9271edc5c74186d7d454a8-16.php#unique-entry-id-16</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/6f85b8879f9271edc5c74186d7d454a8-16.php#unique-entry-id-16</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>What&#x27;s NOT Dischargeable</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>What&#x27;s Dischargeable</category><dc:date>2007-02-27T18:35:27-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/37ff30748f7d020261c0c34c4e8311f9-15.php#unique-entry-id-15</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/37ff30748f7d020261c0c34c4e8311f9-15.php#unique-entry-id-15</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Correcting Credit Report Errors</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Credit Reports</category><dc:date>2007-02-27T18:35:05-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/c6b1886da88eb5902b0f133d0bd9711c-14.php#unique-entry-id-14</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/c6b1886da88eb5902b0f133d0bd9711c-14.php#unique-entry-id-14</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Disposible Income</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Chapter 7</category><dc:date>2007-02-27T18:34:56-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/623c1e5f36090ddcf9942d2ffadcc667-13.php#unique-entry-id-13</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/623c1e5f36090ddcf9942d2ffadcc667-13.php#unique-entry-id-13</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Disposible Income</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Chapter 13</category><dc:date>2007-02-27T18:34:44-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/2aa501dd9233d8e2f8231e8d77b1d182-12.php#unique-entry-id-12</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/2aa501dd9233d8e2f8231e8d77b1d182-12.php#unique-entry-id-12</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>The Plan</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Chapter 13</category><dc:date>2007-02-27T18:34:35-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/06b74154fa0bc40460a73145a67076ad-11.php#unique-entry-id-11</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/06b74154fa0bc40460a73145a67076ad-11.php#unique-entry-id-11</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Your Discharge</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>The Process</category><dc:date>2007-02-27T18:34:25-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/731670f07ba958e4072538e1131fe5cd-10.php#unique-entry-id-10</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/731670f07ba958e4072538e1131fe5cd-10.php#unique-entry-id-10</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Motions and Adversary Proceedings</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>The Process</category><dc:date>2007-02-27T18:34:05-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/2562e9f9ede312460fbfe6ccb3aaf3bb-9.php#unique-entry-id-9</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/2562e9f9ede312460fbfe6ccb3aaf3bb-9.php#unique-entry-id-9</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>The &#xa7;341 Hearing</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>The Process</category><dc:date>2007-02-27T18:33:52-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/9abf90f997dcb1e86f850c40db77f010-8.php#unique-entry-id-8</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/9abf90f997dcb1e86f850c40db77f010-8.php#unique-entry-id-8</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>The Petiton</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>The Process</category><dc:date>2007-02-27T18:33:30-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/af44e386b051e01e855e65ccedbb21d2-7.php#unique-entry-id-7</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/af44e386b051e01e855e65ccedbb21d2-7.php#unique-entry-id-7</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>The Debtor Education Course</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>The Process</category><dc:date>2007-02-27T18:33:00-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/142bfddd57689e9d8db71e296d0377b9-6.php#unique-entry-id-6</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/142bfddd57689e9d8db71e296d0377b9-6.php#unique-entry-id-6</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>The Credit Counseling Certificate</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>The Process</category><dc:date>2007-02-27T18:32:23-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/e455291ad0e9f5532f20b00755311c10-5.php#unique-entry-id-5</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/e455291ad0e9f5532f20b00755311c10-5.php#unique-entry-id-5</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Putting Your Information Together</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Preparing to File</category><dc:date>2007-02-27T18:31:47-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/32a02719abac42f15d73e787ab9820a7-4.php#unique-entry-id-4</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/32a02719abac42f15d73e787ab9820a7-4.php#unique-entry-id-4</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Keep copies of your Tax Returns</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Preparing to File</category><dc:date>2007-02-27T18:31:25-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/448f056b5fc462c5621bd305c2295271-3.php#unique-entry-id-3</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/448f056b5fc462c5621bd305c2295271-3.php#unique-entry-id-3</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Save your Paystubs</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Preparing to File</category><dc:date>2007-02-27T18:31:08-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/75ffaa8e64b056eec1b04002dadecb47-2.php#unique-entry-id-2</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/75ffaa8e64b056eec1b04002dadecb47-2.php#unique-entry-id-2</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>Getting a Copy of Your Credit Report</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Preparing to File</category><dc:date>2007-02-27T18:30:42-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/5767f268813dcf01da6cf68665f29989-1.php#unique-entry-id-1</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/5767f268813dcf01da6cf68665f29989-1.php#unique-entry-id-1</guid><content:encoded><![CDATA[(null)]]></content:encoded></item><item><title>What is the difference between Chapter 7 and Chapter 13?</title><dc:creator>melchionne.esq@snet.net</dc:creator><category>Preparing to File</category><dc:date>2007-02-27T18:24:36-05:00</dc:date><link>http://www.ctbankruptcy.com/MoreInfo/files/f8854ade97e59c77dd59f578c772afdf-0.php#unique-entry-id-0</link><guid isPermaLink="true">http://www.ctbankruptcy.com/MoreInfo/files/f8854ade97e59c77dd59f578c772afdf-0.php#unique-entry-id-0</guid><content:encoded><![CDATA[(null)]]></content:encoded></item></channel>
</rss>