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	<title>Kansas Bankruptcy Information &#187; Bankruptcy Legislation</title>
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	<link>http://bankruptcykansas.info</link>
	<description>Topeka Attorneys Helping You Get the Fresh Start Only Federal Bankruptcy Laws Can Give You</description>
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		<title>What is the Bankruptcy Code?</title>
		<link>http://bankruptcykansas.info/what-is-the-bankruptcy-code/</link>
		<comments>http://bankruptcykansas.info/what-is-the-bankruptcy-code/#comments</comments>
		<pubDate>Sat, 19 Dec 2009 22:59:45 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[bankruptcy code]]></category>
		<category><![CDATA[bankruptcy law]]></category>
		<category><![CDATA[bankruptcy rules]]></category>
		<category><![CDATA[bankruptcy statutes]]></category>
		<category><![CDATA[federal law]]></category>
		<category><![CDATA[state law]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=2662</guid>
		<description><![CDATA[Bankruptcy Code. Title 11 of the United States Code governs bankruptcy proceedings. Bankruptcy is a matter of federal law and is, with the exception of exemptions, the same in every state. When federal bankruptcy law conflicts with state law, federal law controls. Bankruptcy Code incorporating changes effective 10/17/05.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>NPR Airs Story on Judicial Mortgage Modification in Chapter 13 Bankruptcy</title>
		<link>http://bankruptcykansas.info/npr-airs-story-judicial-mortgage-modification/</link>
		<comments>http://bankruptcykansas.info/npr-airs-story-judicial-mortgage-modification/#comments</comments>
		<pubDate>Thu, 12 Feb 2009 20:49:22 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1111</guid>
		<description><![CDATA[Here is a report that aired on National Public Radio this morning about the judicial mortgage modification bill pending in Congress. &#8220;On Capitol Hill, Democrats are supporting a bill that would let judges block home foreclosures. The measure would allow bankruptcy judges to alter home loans. Industry insiders say that would cause more harm than [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Congress Considers Judicial Mortgage Modification in Chapter 13 Bankruptcy</title>
		<link>http://bankruptcykansas.info/congress-considers-judicial-mortgage-modification-chapter-13-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/congress-considers-judicial-mortgage-modification-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Thu, 12 Feb 2009 05:13:21 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1103</guid>
		<description><![CDATA[The Helping Families Save Their Homes in Bankruptcy Act of 2009 is pending in Congress.  If passed, chapter 13 debtors will be able to  rewrite their delinquent mortgage loans by lowering the loan balance to the value of the home, reducing interest rates, eliminating the variable rate and fixing the interest rate, and stretching out [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Save Your Home with Bankruptcy</title>
		<link>http://bankruptcykansas.info/save-home-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/save-home-bankruptcy/#comments</comments>
		<pubDate>Wed, 04 Feb 2009 00:36:20 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=886</guid>
		<description><![CDATA[Legislation is pending in Congress to change the law to allow judges to modify your home mortgage in chapter 13 bankruptcy.  Delinquent mortgages could be stretched out to 40 years, principal due on the loan reduced to the value of the home, and adjustable rates changed to a low fixed rate if the Helping Families [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Foreclosure Fixes Failing</title>
		<link>http://bankruptcykansas.info/foreclosure-prevention-fixes-failing/</link>
		<comments>http://bankruptcykansas.info/foreclosure-prevention-fixes-failing/#comments</comments>
		<pubDate>Sun, 25 Jan 2009 19:54:21 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=824</guid>
		<description><![CDATA[DATA: MORTGAGE “FORECLOSURE PREVENTION” FIXES FAILING TO WORK, U.S. HOME FORECLOSURE TOLL NOW EXPECTED TO RISE EVEN HIGHER TO EIGHT MILLION Near Half of Homeowners in “Loan Modification” Programs Face Higher Monthly Payments; Failure of Voluntary Industry Efforts Hikes Pressure on Incoming Obama Administration, New Congress to Clear Way for Court-Supervised Modifications. WASHINGTON, D.C.//December 19, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Year&#039;s Resolutions for Resolving Debt</title>
		<link>http://bankruptcykansas.info/new-years-resolutions-for-resolving-debt/</link>
		<comments>http://bankruptcykansas.info/new-years-resolutions-for-resolving-debt/#comments</comments>
		<pubDate>Sun, 04 Jan 2009 00:30:43 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[Foreclosure]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=719</guid>
		<description><![CDATA[Here are five New Year&#8217;s resolutions my blogging colleague, Peter Orville of Upstate New York, made for people with debt problems, each highlighting an article found on the pages of Debt Law Network, Credit Law Network or Bankruptcy Law Network. Create an emergency fund. Don’t gamble. Don’t sign up with a “Debt Settlement” company. Seek [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>New Rule:  Chapter 13 Mortgage Payments Through Trustee</title>
		<link>http://bankruptcykansas.info/new-rule-chapter-13-mortgage-payments-through-trustee/</link>
		<comments>http://bankruptcykansas.info/new-rule-chapter-13-mortgage-payments-through-trustee/#comments</comments>
		<pubDate>Sun, 21 Sep 2008 01:47:06 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 trustee]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[mortgage payments through trustee]]></category>
		<category><![CDATA[Topeka Kansas]]></category>
		<category><![CDATA[trustee fee]]></category>
		<category><![CDATA[U.S. Bankruptcy Court for the District of Kansas]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=118</guid>
		<description><![CDATA[The Kansas Bankruptcy Court adopted a new rule requiring chapter 13 debtors behind on mortgage debts when the bankruptcy case is filed to be paid through the trustee.  The rule goes into effect for cases filed on or after October 1, 2008. Proponents of the new rule say the chapter 13 trustee records will aid [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/new-rule-chapter-13-mortgage-payments-through-trustee/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Topeka Debtors Allowed Means Test Deduction for Cars With No Liens</title>
		<link>http://bankruptcykansas.info/topeka-debtors-get-means-test-deduction-for-cars-with-no-liens/</link>
		<comments>http://bankruptcykansas.info/topeka-debtors-get-means-test-deduction-for-cars-with-no-liens/#comments</comments>
		<pubDate>Mon, 01 Sep 2008 21:32:19 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[Bankruptcy Trivia]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Means Test]]></category>
		<category><![CDATA[Bankruptcy Appellate Panel]]></category>
		<category><![CDATA[bankruptcy cases]]></category>
		<category><![CDATA[Bankruptcy Law Office]]></category>
		<category><![CDATA[car ownership allowance]]></category>
		<category><![CDATA[chief bankruptcy judge]]></category>
		<category><![CDATA[district court judge]]></category>
		<category><![CDATA[Howell]]></category>
		<category><![CDATA[janice miller]]></category>
		<category><![CDATA[Janice Miller Karlin]]></category>
		<category><![CDATA[Jill A Michaux]]></category>
		<category><![CDATA[John W Lungstrum]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[Kansas Bankruptcy Law Information blog]]></category>
		<category><![CDATA[law]]></category>
		<category><![CDATA[Mark W Neis]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[Pearson]]></category>
		<category><![CDATA[Robert D Berger]]></category>
		<category><![CDATA[Robert Nugent]]></category>
		<category><![CDATA[Thomas]]></category>
		<category><![CDATA[U.S. Bankruptcy Court for the District of Kansas]]></category>
		<category><![CDATA[wichta]]></category>
		<category><![CDATA[Wieland v Thomas]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=119</guid>
		<description><![CDATA[EDITOR UPDATE:  This post is out of date.  Judge Karlin reverted to her original ruling in In re Law after the Pearson decision was vacated.  This issue is currently pending the the U.S. Court for the Tenth Circuit  so we should have a binding ruling soon.  December 13, 2009. Topeka Bankruptcy Judge Janice Miller Karlin [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/topeka-debtors-get-means-test-deduction-for-cars-with-no-liens/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Income Guidelines to Increase Slightly October 1</title>
		<link>http://bankruptcykansas.info/bankruptcy-income-guidelines-to-increase-slightly-october-1/</link>
		<comments>http://bankruptcykansas.info/bankruptcy-income-guidelines-to-increase-slightly-october-1/#comments</comments>
		<pubDate>Sun, 31 Aug 2008 19:06:50 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[Bankruptcy Trivia]]></category>
		<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Means Test]]></category>
		<category><![CDATA[bankruptcy cases]]></category>
		<category><![CDATA[bankruptcy petition]]></category>
		<category><![CDATA[bankruptcy relief]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[person families]]></category>
		<category><![CDATA[u s census bureau]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=116</guid>
		<description><![CDATA[It will be a little easier to qualify for bankruptcy relief when the income guidelines used for eligibility increase slightly on October 1.  A single Kansas earner will be able to make $894 more per year and qualify for chapter 7 bankruptcy relief.  A family of four will be allowed a $2036 more income per [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/bankruptcy-income-guidelines-to-increase-slightly-october-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>History of BAPCPA: Special Interest Legislation at Its Worst</title>
		<link>http://bankruptcykansas.info/bapcpa-special-interest-legislation-at-its-worst/</link>
		<comments>http://bankruptcykansas.info/bapcpa-special-interest-legislation-at-its-worst/#comments</comments>
		<pubDate>Thu, 05 Jun 2008 00:07:53 +0000</pubDate>
		<dc:creator>Mark Neis, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Legislation]]></category>
		<category><![CDATA[ability to repay]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy abuse prevention]]></category>
		<category><![CDATA[Bankruptcy Abuse Prevention and Consumer Protection Act]]></category>
		<category><![CDATA[bankruptcy bill]]></category>
		<category><![CDATA[bankruptcy case filings]]></category>
		<category><![CDATA[Bankruptcy Reform Act of 1978]]></category>
		<category><![CDATA[Bankruptcy Review Commission]]></category>
		<category><![CDATA[Bill Clinton]]></category>
		<category><![CDATA[Bill First]]></category>
		<category><![CDATA[blue ribbon panel]]></category>
		<category><![CDATA[Charles Grassley]]></category>
		<category><![CDATA[Charles Shumer]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[consumer protection act]]></category>
		<category><![CDATA[credit industry]]></category>
		<category><![CDATA[creditor interests]]></category>
		<category><![CDATA[Edward Kennedy]]></category>
		<category><![CDATA[George Bush]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[MBNA]]></category>
		<category><![CDATA[Mike Synar]]></category>
		<category><![CDATA[Neis and Michaux]]></category>
		<category><![CDATA[Oklahoma]]></category>
		<category><![CDATA[personal responsibiity]]></category>
		<category><![CDATA[President Clinton]]></category>
		<category><![CDATA[Senate]]></category>
		<category><![CDATA[Senate Majority Leader]]></category>
		<category><![CDATA[Topeka]]></category>
		<category><![CDATA[Topeka Kansas]]></category>
		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=81</guid>
		<description><![CDATA[BAPCPA (Bankruptcy Abuse Prevention And Consumer Protection Act Of 2005) has been characterized as among the best (or worst depending on point of view) examples of special interest federal legislation ever passed by Congress. The act’s history is important: Under pressure from creditor lobbying efforts, Congress and the Clinton administration in 1994 funded a bi-partisan [...]]]></description>
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		<slash:comments>0</slash:comments>
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