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	<title>Kansas Bankruptcy Law Information&#187; Exemptions &amp; What You Get to Keep</title>
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		<title>Reaffirmation Requires More than Checking a Box</title>
		<link>http://bankruptcykansas.info/reaffirmation-requires-more-than-checking-box/</link>
		<comments>http://bankruptcykansas.info/reaffirmation-requires-more-than-checking-box/#comments</comments>
		<pubDate>Sat, 04 Jun 2011 10:54:22 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Exemptions & What You Get to Keep]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=5733</guid>
		<description><![CDATA[Reaffirmation Requires More than Checking a Box By Jonathan Ginsberg of Bankruptcy Law Network Much has been written on this blog about reaffirmation. BLN author Jed Berliner makes a compelling argument that reaffirmation in Chapter 7 is a bad idea – why should you assume personal liability for a debt and forgo up to 8 [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/reaffirmation/' rel='bookmark' title='What Is Reaffirmation?'>What Is Reaffirmation?</a> <small>Although you filed bankruptcy to cancel your debts, you have...</small></li>
<li><a href='http://bankruptcykansas.info/beware-disguised-reaffirmation-agreement/' rel='bookmark' title='Beware of “Disguised” Reaffirmation Agreement'>Beware of “Disguised” Reaffirmation Agreement</a> <small>Beware of Credit Offers Aimed at Recent Bankruptcy Filers “Disguised”...</small></li>
<li><a href='http://bankruptcykansas.info/options-reaffirmation-secured-debts/' rel='bookmark' title='Do I Have Other Options for Secured Debts Other than Reaffirmation?'>Do I Have Other Options for Secured Debts Other than Reaffirmation?</a> <small>You may be able to keep the collateral on a...</small></li>
</ol>]]></description>
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		<item>
		<title>Earned Income Tax Credits Now Exempt in Kansas Bankruptcy</title>
		<link>http://bankruptcykansas.info/earned-income-credit-now-exempt-kansas-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/earned-income-credit-now-exempt-kansas-bankruptcy/#comments</comments>
		<pubDate>Sun, 01 May 2011 23:37:41 +0000</pubDate>
		<dc:creator>By Mark Neis, Topeka Attorney</dc:creator>
				<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[bankruptcy exemption]]></category>
		<category><![CDATA[earned income credit]]></category>
		<category><![CDATA[earned income tax credit]]></category>
		<category><![CDATA[EIC]]></category>
		<category><![CDATA[EICT]]></category>
		<category><![CDATA[Kansas exemptions]]></category>
		<category><![CDATA[tax refunds]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=5248</guid>
		<description><![CDATA[Debtors will get to keep one year of earned income tax credits when filing bankruptcy in Kansas. A new law went into effect April 14, 2011, granting the exemption.  This change in the law will prevent bankruptcy trustees from taking the portion of income tax refunds that is EITC, a valuable benefit for low to [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/eic-exemption-pending-in-kansas-legislature/' rel='bookmark' title='EIC Exemption Pending in Kansas Legislature'>EIC Exemption Pending in Kansas Legislature</a> <small>A bill has been introduced in the Kansas legislature to...</small></li>
<li><a href='http://bankruptcykansas.info/tax-refund-bankruptcy/' rel='bookmark' title='Tax Refund in Bankruptcy'>Tax Refund in Bankruptcy</a> <small>Cathy Moran on the Bankruptcy Soapbox reminds us of an...</small></li>
<li><a href='http://bankruptcykansas.info/will-bankruptcy-trustee-take-my-tax-refund/' rel='bookmark' title='Will The Bankruptcy Trustee Take My Tax Refund in Kansas?'>Will The Bankruptcy Trustee Take My Tax Refund in Kansas?</a> <small>A common question I get this time of year is whether...</small></li>
</ol>]]></description>
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		<item>
		<title>Bankruptcy Code Gets Cost of Living Raise</title>
		<link>http://bankruptcykansas.info/bankruptcy-code-gets-cost-of-living-raise/</link>
		<comments>http://bankruptcykansas.info/bankruptcy-code-gets-cost-of-living-raise/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 15:56:53 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Exemptions & What You Get to Keep]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=4055</guid>
		<description><![CDATA[Certain dollar amounts in the bankruptcy code are adjusted every three years for changes in the cost of living.  The next change will be April 1, 2010.  2010 Federal COLA adjustments Related posts: Where Do I Find the Bankruptcy Code Dollar Amounts That Adjust Every Three Years? Revision of Certain Dollar Amounts in the Bankruptcy [...]
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<li><a href='http://bankruptcykansas.info/where-do-i-find-dollar-amounts-bankruptcy-code-that-adjusted-every-three-years/' rel='bookmark' title='Where Do I Find the Bankruptcy Code Dollar Amounts That Adjust Every Three Years?'>Where Do I Find the Bankruptcy Code Dollar Amounts That Adjust Every Three Years?</a> <small>Revision of Certain Dollar Amounts in the Bankruptcy Code Prescribed...</small></li>
<li><a href='http://bankruptcykansas.info/living-expense-allowance-bankruptcy-means-test-adjust/' rel='bookmark' title='Living Expense Allowances on Bankruptcy Means Test Adjust'>Living Expense Allowances on Bankruptcy Means Test Adjust</a> <small>The allowable deductions for living expenses on the bankruptcy means...</small></li>
<li><a href='http://bankruptcykansas.info/what-is-the-bankruptcy-code-2/' rel='bookmark' title='What Is the Bankruptcy Code?'>What Is the Bankruptcy Code?</a> <small>The federal bankruptcy law is published in Title 11 of...</small></li>
</ol>]]></description>
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		</item>
		<item>
		<title>Tax Refunds to Attorney Fees then Bankruptcy Trustee</title>
		<link>http://bankruptcykansas.info/tax-refunds-attorney-fees-then-bankruptcy-trustee/</link>
		<comments>http://bankruptcykansas.info/tax-refunds-attorney-fees-then-bankruptcy-trustee/#comments</comments>
		<pubDate>Tue, 12 Jan 2010 00:50:14 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Trustees]]></category>
		<category><![CDATA[Black-Watkins]]></category>
		<category><![CDATA[chapter 7 trustee]]></category>
		<category><![CDATA[Hodes]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Lamie]]></category>
		<category><![CDATA[Lentz]]></category>
		<category><![CDATA[Redmond]]></category>
		<category><![CDATA[Sydmark]]></category>
		<category><![CDATA[tax refund assignments]]></category>
		<category><![CDATA[tax refunds turnover]]></category>
		<category><![CDATA[Ucc1]]></category>
		<category><![CDATA[Wagers]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3659</guid>
		<description><![CDATA[TAX REFUND ASSIGNMENTS AND CHAPTER 7 In re: Sydmark, Case No. 06-41218 In re: Black-Watkins, Case No. 05-42439 June, 2008, Judge Karlin Lamie v. US and Redmond v. Lentz, Hodes and Wagers redux. Assignment of a tax refund does not divest the estate of an interest in them, even though UCC1 was filed. In a [...]
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<li><a href='http://bankruptcykansas.info/tax-refund-bankruptcy/' rel='bookmark' title='Tax Refund in Bankruptcy'>Tax Refund in Bankruptcy</a> <small>Cathy Moran on the Bankruptcy Soapbox reminds us of an...</small></li>
<li><a href='http://bankruptcykansas.info/judge-karlin-bench-warrants/' rel='bookmark' title='Debtors Arrested for Ignoring Bankruptcy Court Orders, Spending Tax Refunds'>Debtors Arrested for Ignoring Bankruptcy Court Orders, Spending Tax Refunds</a> <small>Spending a tax refund that belongs to a bankruptcy estate...</small></li>
<li><a href='http://bankruptcykansas.info/will-bankruptcy-trustee-take-my-tax-refund/' rel='bookmark' title='Will The Bankruptcy Trustee Take My Tax Refund in Kansas?'>Will The Bankruptcy Trustee Take My Tax Refund in Kansas?</a> <small>A common question I get this time of year is whether...</small></li>
</ol>]]></description>
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		<slash:comments>1</slash:comments>
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		<title>What is Bankruptcy Lien Avoidance?</title>
		<link>http://bankruptcykansas.info/what-is-bankruptcy-lien-avoidance/</link>
		<comments>http://bankruptcykansas.info/what-is-bankruptcy-lien-avoidance/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 22:53:22 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Benefits of Bankruptcy]]></category>
		<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[avoidance]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy code]]></category>
		<category><![CDATA[bankruptcy lien avoidance]]></category>
		<category><![CDATA[exemption]]></category>
		<category><![CDATA[impair exemption]]></category>
		<category><![CDATA[judgment lien]]></category>
		<category><![CDATA[lien avoidance]]></category>
		<category><![CDATA[lien stripping]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=2658</guid>
		<description><![CDATA[Avoidance: The Bankruptcy Code permits the debtor to eliminate (avoid) some kinds of liens that interfere with (or impair) an exemption claimed in the bankruptcy. Most judgment liens that have attached to the debtor’s home can be avoided if the total of the liens (mortgages, judgment liens and statutory liens) is greater than the value [...]
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<li><a href='http://bankruptcykansas.info/what-are-bankruptcy-avoidance-powers/' rel='bookmark' title='What are Bankruptcy Avoidance Powers?'>What are Bankruptcy Avoidance Powers?</a> <small>Avoidance powers: Rights given to the bankruptcy trustee (or the...</small></li>
<li><a href='http://bankruptcykansas.info/collateral-bankruptcy/' rel='bookmark' title='What Is Collateral in Bankruptcy?'>What Is Collateral in Bankruptcy?</a> <small>Collateral: The property that is subject to a lien. A...</small></li>
<li><a href='http://bankruptcykansas.info/chapter-13-bankruptcy-home-loan-modification-proposal-killed-3587-kansas-foreclosures-could-have-been-prevented/' rel='bookmark' title='Bailout No Help for Kansas Home Borrowers'>Bailout No Help for Kansas Home Borrowers</a> <small>Legislation that would have allowed for bankruptcy court-supervised loan modifications...</small></li>
</ol>]]></description>
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		<item>
		<title>What are Assets in Bankruptcy?</title>
		<link>http://bankruptcykansas.info/what-are-assets/</link>
		<comments>http://bankruptcykansas.info/what-are-assets/#comments</comments>
		<pubDate>Mon, 14 Dec 2009 22:34:06 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=2649</guid>
		<description><![CDATA[Assets.  Assets are every form of property that the debtor owns. They include such intangible things as business goodwill; the right to sue someone; or stock options. The debtor must disclose all of his assets in the bankruptcy schedules; exemptions remove the exempt assets from property of the estate. Related posts: Can I Own Anything [...]
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<li><a href='http://bankruptcykansas.info/can-i-own-anything-after-bankruptcy/' rel='bookmark' title='Can I Own Anything After Bankruptcy?'>Can I Own Anything After Bankruptcy?</a> <small>Yes!  Many people believe they can not own anything for...</small></li>
<li><a href='http://bankruptcykansas.info/bankruptcy-court-costs-going-up/' rel='bookmark' title='Bankruptcy Court Costs Going Up'>Bankruptcy Court Costs Going Up</a> <small>Miscellaneous fees in the U.S. Bankruptcy Courts increase again on...</small></li>
<li><a href='http://bankruptcykansas.info/what-will-happen-to-my-home-and-car-if-i-file-bankruptcy/' rel='bookmark' title='What Will Happen to My Home and Car If I File Bankruptcy?'>What Will Happen to My Home and Car If I File Bankruptcy?</a> <small>In most cases you will not lose your home or...</small></li>
</ol>]]></description>
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		<item>
		<title>Will I Lose My House If I File Bankruptcy?</title>
		<link>http://bankruptcykansas.info/will-i-lose-my-house-if-i-file-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/will-i-lose-my-house-if-i-file-bankruptcy/#comments</comments>
		<pubDate>Mon, 14 Sep 2009 03:05:07 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[homestead exemption]]></category>
		<category><![CDATA[Kansas homestead]]></category>
		<category><![CDATA[will I lose my home]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=2202</guid>
		<description><![CDATA[I am frequently asked by people who are thinking of filing bankruptcy, &#8220;Will I lose my house if I file bankruptcy?&#8221; The fear of losing everything in bankruptcy is very real. Fortunately, in Kansas the protection our law has for your home is in our state constitution and statutes. That is quite different from other [...]
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<li><a href='http://bankruptcykansas.info/will-i-lose-my-retirement-fund-if-i-file-bankruptcy/' rel='bookmark' title='Will I Lose My Retirement Fund if I File Bankruptcy?'>Will I Lose My Retirement Fund if I File Bankruptcy?</a> <small>Question:  Is my retirement account I have worked hard for...</small></li>
<li><a href='http://bankruptcykansas.info/can-they-take-my-home-away-from-me-if-i-file-bankruptcy-kansas/' rel='bookmark' title='Can They Take My Home Away from Me if I File Bankruptcy in Kansas?'>Can They Take My Home Away from Me if I File Bankruptcy in Kansas?</a> <small>Kansans in financial distress often ask, &#8220;Will I will lose...</small></li>
<li><a href='http://bankruptcykansas.info/what-will-happen-to-my-home-and-car-if-i-file-bankruptcy/' rel='bookmark' title='What Will Happen to My Home and Car If I File Bankruptcy?'>What Will Happen to My Home and Car If I File Bankruptcy?</a> <small>In most cases you will not lose your home or...</small></li>
</ol>]]></description>
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		<item>
		<title>Can They Take My Home Away from Me if I File Bankruptcy in Kansas?</title>
		<link>http://bankruptcykansas.info/can-they-take-my-home-away-from-me-if-i-file-bankruptcy-kansas/</link>
		<comments>http://bankruptcykansas.info/can-they-take-my-home-away-from-me-if-i-file-bankruptcy-kansas/#comments</comments>
		<pubDate>Sun, 14 Jun 2009 18:12:37 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1742</guid>
		<description><![CDATA[Kansans in financial distress often ask, &#8220;Will I will lose my home if I file bankruptcy?&#8220;  The simple answer is that most Kansans do not lose their home if they file for bankruptcy.  We are lucky in Kansas to have a homestead law that protects one acre of land in the city and 160 acres [...]
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<li><a href='http://bankruptcykansas.info/will-i-lose-my-house-if-i-file-bankruptcy/' rel='bookmark' title='Will I Lose My House If I File Bankruptcy?'>Will I Lose My House If I File Bankruptcy?</a> <small>I am frequently asked by people who are thinking of...</small></li>
<li><a href='http://bankruptcykansas.info/what-will-happen-to-my-home-and-car-if-i-file-bankruptcy/' rel='bookmark' title='What Will Happen to My Home and Car If I File Bankruptcy?'>What Will Happen to My Home and Car If I File Bankruptcy?</a> <small>In most cases you will not lose your home or...</small></li>
<li><a href='http://bankruptcykansas.info/kansas-home-foreclosures-up-40/' rel='bookmark' title='Kansas Home Foreclosures Up 40%'>Kansas Home Foreclosures Up 40%</a> <small>The home mortgage foreclosure crisis got dramatically worse in Kansas...</small></li>
</ol>]]></description>
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		<title>Bankruptcy Stops Garnishment</title>
		<link>http://bankruptcykansas.info/bankruptcy-stops-garnishment/</link>
		<comments>http://bankruptcykansas.info/bankruptcy-stops-garnishment/#comments</comments>
		<pubDate>Sun, 19 Apr 2009 16:37:43 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1642</guid>
		<description><![CDATA[Yes, both wage and bank account garnishments can be stopped by filing bankruptcy.  Garnishments after the bankruptcy is filed violate the automatic stay. Ideally, you will file bankruptcy before the garnishment order is served on your employer or bank so none of your money is seized.  But, if a garnishment order is already in place, [...]
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<li><a href='http://bankruptcykansas.info/what-can-bankruptcy-do-for-me/' rel='bookmark' title='What Can Bankruptcy Do for Me?'>What Can Bankruptcy Do for Me?</a> <small>Bankruptcy may make it possible for you to: Eliminate the...</small></li>
<li><a href='http://bankruptcykansas.info/medical-bankruptcy/' rel='bookmark' title='I Want to File a Medical Bankruptcy'>I Want to File a Medical Bankruptcy</a> <small>The high cost of health care is one of three...</small></li>
<li><a href='http://bankruptcykansas.info/creditors-on-their-own-obtain-claim-forms-court-stops-mailing/' rel='bookmark' title='Court Stops Mailing Claim Forms to Creditors'>Court Stops Mailing Claim Forms to Creditors</a> <small>To save money, the U.S. Bankruptcy Court in Kansas has...</small></li>
</ol>]]></description>
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		<title>Topeka Chapter 13 Trustee Inducted into American College of Bankruptcy</title>
		<link>http://bankruptcykansas.info/topeka-chapter-13-trustee-inducted-into-american-college-of-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/topeka-chapter-13-trustee-inducted-into-american-college-of-bankruptcy/#comments</comments>
		<pubDate>Sun, 29 Mar 2009 00:52:59 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Exemptions & What You Get to Keep]]></category>
		<category><![CDATA[Financial Help]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Vehicles]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1594</guid>
		<description><![CDATA[Jan Michael Hamilton, standing chapter 13 bankruptcy trustee for cases filed in Topeka, was inducted into the American College of Bankruptcy Friday.   Hamilton was in the private practice of law from 1973 through 1999 when he was named to the trustee post. Hamilton traveled to Washington, D.C., for the ceremony at the U.S. Supreme Court [...]
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<li><a href='http://bankruptcykansas.info/topeka-13-trustee-payment-address/' rel='bookmark' title='New Topeka 13 Trustee Payment Address'>New Topeka 13 Trustee Payment Address</a> <small>Payments to the Topeka Chapter 13 Trustee should be mailed...</small></li>
<li><a href='http://bankruptcykansas.info/1457/' rel='bookmark' title='What Interest Rate Does the Chapter 13 Bankruptcy Trustee Pay on Secured Claims?'>What Interest Rate Does the Chapter 13 Bankruptcy Trustee Pay on Secured Claims?</a> <small>EXPLANATION OF THE TOPEKA DISCOUNT RATE by Jan Hamilton, Standing...</small></li>
<li><a href='http://bankruptcykansas.info/kansas-bankruptcy-institute-april-24/' rel='bookmark' title='Kansas Bankruptcy Institute April 24'>Kansas Bankruptcy Institute April 24</a> <small>“When All of the Bailouts, Moratoria, and Stimulus Packages Just...</small></li>
</ol>]]></description>
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