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	<title>Kansas Bankruptcy Information &#187; Foreclosure</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>Foreclosure No Excuse for No Credit Counseling Before Bankruptcy</title>
		<link>http://bankruptcykansas.info/foreclose-no-excuse-for-no-credit-counseling-before-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/foreclose-no-excuse-for-no-credit-counseling-before-bankruptcy/#comments</comments>
		<pubDate>Sun, 10 Jan 2010 19:06:23 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bad Outcomes, Fraud, Bankruptcy Crimes]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[109(h)(1)]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[dismiss]]></category>
		<category><![CDATA[exigent circumstances]]></category>
		<category><![CDATA[Judge Nugent]]></category>
		<category><![CDATA[pro se]]></category>
		<category><![CDATA[Thomas]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3498</guid>
		<description><![CDATA[FAILURE TO OBTAIN CREDIT COUNSELING—EXIGENT CIRCUMSTANCES In re Thomas, Case No. 06-10242 March 2006, Judge Nugent Pro se case dismissed for failure to obtain credit counseling. Certificate of exigent circumstances which recites pending foreclosure insufficient, case dismissed. 109(h)(1).﻿]]></description>
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		<title>Kansas Home Foreclosures Up 40%</title>
		<link>http://bankruptcykansas.info/kansas-home-foreclosures-up-40/</link>
		<comments>http://bankruptcykansas.info/kansas-home-foreclosures-up-40/#comments</comments>
		<pubDate>Sun, 18 Oct 2009 14:18:04 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=2471</guid>
		<description><![CDATA[The home mortgage foreclosure crisis got dramatically worse in Kansas in July, August and September 2009. RealtyTrac, a California company that tracks foreclosures, reports 3,402 foreclosure filings in Kansas during the third quarter, an increase of almost 40%. The Kansas foreclosure rate is below the national average of one in every 136 households. The foreclosure [...]]]></description>
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		<title>Foreclosure Truth: Few Getting Help</title>
		<link>http://bankruptcykansas.info/truth-about-mortgage-modification/</link>
		<comments>http://bankruptcykansas.info/truth-about-mortgage-modification/#comments</comments>
		<pubDate>Sat, 10 Oct 2009 20:32:17 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=2274</guid>
		<description><![CDATA[As of 9/1/2009, only 1,711 permanent loan modifications 1.26% trial modifications made permanent 1 in 8 mortgages in default or foreclosure foreclosure delayed, not avoided 10-12 million foreclosures predicted 50% mortgages will be underwater if problem not solved Treasury&#8217;s Strategy is &#8216;Inadequate&#8217; to Address Coming Wave of Foreclosures; For Many Homeowners, Foreclosure Will Be Delayed, [...]]]></description>
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		<title>Foreclosure Prevention Toolkit</title>
		<link>http://bankruptcykansas.info/foreclosure-prevention-toolkit/</link>
		<comments>http://bankruptcykansas.info/foreclosure-prevention-toolkit/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 19:08:20 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bad Outcomes, Fraud, Bankruptcy Crimes]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=2214</guid>
		<description><![CDATA[FDIC has published this online took kit to help homeowners prevent unnecessary foreclosures and stop foreclosure “rescue” scams that promise false hope to consumers at risk of losing their homes. * Is Foreclosure Knocking at Your Door? This brochure explains how mortgage modification programs can help those at risk of foreclosure save their home. * [...]]]></description>
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		<title>Watch Out for Mortgage Modification Scams</title>
		<link>http://bankruptcykansas.info/mortgage-mod-scams/</link>
		<comments>http://bankruptcykansas.info/mortgage-mod-scams/#comments</comments>
		<pubDate>Wed, 17 Jun 2009 12:17:00 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1442</guid>
		<description><![CDATA[Watch out for all the mortgage modification scams out there preying on good people who desperately want to keep their home mortgage out of foreclosure. Many of the mortgage brokers who formerly got people into subprime loans are now calling themselves mortgage modification agents. &#8220;You should not have to pay someone to help you with [...]]]></description>
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		<title>Can They Take My Home Away from Me if I File Bankruptcy in Kansas?</title>
		<link>http://bankruptcykansas.info/home-file-bankruptcy-kansas/</link>
		<comments>http://bankruptcykansas.info/home-file-bankruptcy-kansas/#comments</comments>
		<pubDate>Sun, 14 Jun 2009 18:12:37 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy 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 [...]]]></description>
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		<title>What Interest Rate Does the Chapter 13 Bankruptcy Trustee Pay on Secured Claims?</title>
		<link>http://bankruptcykansas.info/1457/</link>
		<comments>http://bankruptcykansas.info/1457/#comments</comments>
		<pubDate>Tue, 10 Mar 2009 06:15:08 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Financial Help]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Vehicles]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1457</guid>
		<description><![CDATA[EXPLANATION OF THE TOPEKA DISCOUNT RATE by Jan Hamilton, Standing Chapter 13 Trustee The Discount Rate (Interest Rate) for chapter 13 bankruptcy cases filed in Topeka, Kansas, on or after March 1, 2009, is 4.75%. This rate will typically be changed no more than once a month, on the beginning of the month. Beginning on [...]]]></description>
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		<title>Call Kansas Senators to Support Judicial Mortgage Modification in Bankruptcy</title>
		<link>http://bankruptcykansas.info/call-kansas-senators/</link>
		<comments>http://bankruptcykansas.info/call-kansas-senators/#comments</comments>
		<pubDate>Mon, 09 Mar 2009 18:05:30 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1524</guid>
		<description><![CDATA[Judicial modification of residential mortgages in chapter 13 bankruptcy is part of H.R. 1106, which passed in the U.S. House of Representatives last week.  The bill now moves to the U.S. Senate and may come up for a vote this week.  We need your help to get the bill passed into law.  Call your Kansas [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Do Mortgage Arrears Get Paid Interest in Chapter 13 Bankruptcy?</title>
		<link>http://bankruptcykansas.info/mortgage-claim-paid-interest-chapter-13-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/mortgage-claim-paid-interest-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Sun, 08 Mar 2009 06:09:36 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Financial Help]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1454</guid>
		<description><![CDATA[DOES THE MORTGAGE CREDITOR GET INTEREST ON THE ARREARAGE PAID IN THE PLAN? By Jan Hamilton, Standing Chapter 13 Trustee Frequently, arrearages on real estate mortgages are paid through the plan. Do they bear interest or not? If they do, at what rate? While Judge Somers has (essentially on behalf of all of the judges [...]]]></description>
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		<title>Judicial Modification of Mortgages in Bankruptcy to House Floor Wednesday</title>
		<link>http://bankruptcykansas.info/bill-house-floor-wednesday/</link>
		<comments>http://bankruptcykansas.info/bill-house-floor-wednesday/#comments</comments>
		<pubDate>Mon, 23 Feb 2009 16:26:23 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1318</guid>
		<description><![CDATA[Judicial mortgage modification in chapter 13 bankruptcy is expected to be considered on the floor of the U.S. House of Representatives as early as Wednesday of this week.   The proposed law eliminates the ban on restructuring primary residential mortgages to help people save their homes from foreclosure.  The law change will help people in foreclosure who [...]]]></description>
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