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	<title>Kansas Bankruptcy Law Information&#187; Mortgages</title>
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	<link>http://bankruptcykansas.info</link>
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		<title>When Will My Underwater House Break Even?</title>
		<link>http://bankruptcykansas.info/when-will-my-underwater-house-break-even/</link>
		<comments>http://bankruptcykansas.info/when-will-my-underwater-house-break-even/#comments</comments>
		<pubDate>Sat, 31 Mar 2012 15:13:01 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=6018</guid>
		<description><![CDATA[Bankruptcy clients often wonder if they should keep their home when the mortgage balance is more than they can sell the real estate for.  Their heart says keep the home, their head says don&#8217;t &#8212; once they have the facts. Here is a simple calculator from my friend, Cathy Moran at the Consumer Ledger, to estimate [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/walking-away-from-the-house/' rel='bookmark' title='Walking Away from the House'>Walking Away from the House</a> <small>Cathy Moran, my blogging colleague on the Mortgage Law Network,...</small></li>
<li><a href='http://bankruptcykansas.info/judicial-modification-of-mortgages-bankruptcy-house-floor-wednesday/' rel='bookmark' title='Judicial Modification of Mortgages in Bankruptcy to House Floor Wednesday'>Judicial Modification of Mortgages in Bankruptcy to House Floor Wednesday</a> <small>Judicial mortgage modification in chapter 13 bankruptcy is expected to...</small></li>
<li><a href='http://bankruptcykansas.info/call-kansas-senators-support-judicial-mortgage-modification-bankruptcy/' rel='bookmark' title='Call Kansas Senators to Support Judicial Mortgage Modification in Bankruptcy'>Call Kansas Senators to Support Judicial Mortgage Modification in Bankruptcy</a> <small>Judicial modification of residential mortgages in chapter 13 bankruptcy is...</small></li>
</ol>]]></description>
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		<item>
		<title>Bankruptcy Mortgage Project Website Launched by NCLC</title>
		<link>http://bankruptcykansas.info/bankruptcy-mortgage-project-website-launched-by-nclc/</link>
		<comments>http://bankruptcykansas.info/bankruptcy-mortgage-project-website-launched-by-nclc/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 22:43:38 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=5909</guid>
		<description><![CDATA[The National Consumer Law Center (NCLC) has created an online Bankruptcy Mortgage Project Website for courts, trustees, attorneys, mortgage servicers, academics, and consumers in the bankruptcy community. It organizes and provides access to more than 500 local rules, forms, general orders, and court opinions addressing a variety of mortgage issues in consumer bankruptcy cases across [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/nclc-collects-mortgage-modification-information/' rel='bookmark' title='NCLC Collects Mortgage Modification Information'>NCLC Collects Mortgage Modification Information</a> <small>National Consumer Law Center (NCLC), America&#8217;s consumer law experts, has...</small></li>
<li><a href='http://bankruptcykansas.info/watch-out-for-mortgage-modification-scams/' rel='bookmark' title='Watch Out for Mortgage Modification Scams'>Watch Out for Mortgage Modification Scams</a> <small>Watch out for all the mortgage modification scams out there...</small></li>
<li><a href='http://bankruptcykansas.info/mortgage-loan-modification-programs/' rel='bookmark' title='Mortgage Loan Modification Programs'>Mortgage Loan Modification Programs</a> <small>Here is a collection of voluntary mortgage loan modification programs...</small></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do I Have to Pay My Creditor&#8217;s Attorneys Fees?</title>
		<link>http://bankruptcykansas.info/do-i-have-pay-my-creditors-attorneys-fees/</link>
		<comments>http://bankruptcykansas.info/do-i-have-pay-my-creditors-attorneys-fees/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 00:39:09 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[2016]]></category>
		<category><![CDATA[attorney fees]]></category>
		<category><![CDATA[creditor attorneys fees]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Loy]]></category>
		<category><![CDATA[proof of claim]]></category>
		<category><![CDATA[South and Associates]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3650</guid>
		<description><![CDATA[2016 APPLICATIONS BY CREDITORS In re Loy, Case No. 07-41333 December 2007, Judge Karlin This case contains a discussion of the various issues that are to be considered by court and counsel in the context of a 2016 application by a creditor. This same issues present themselves in proofs of claim issues pertaining to attorney [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/mortgage-creditor-denied-bankruptcy-attorney-fees/' rel='bookmark' title='Mortgage Creditor Denied Bankruptcy Attorneys Fees'>Mortgage Creditor Denied Bankruptcy Attorneys Fees</a> <small>A mortgage creditor may not include attorneys fees in its...</small></li>
<li><a href='http://bankruptcykansas.info/how-much-chapter-13-bankruptcy-fees-topeka/' rel='bookmark' title='How Much are Chapter 13 Bankruptcy Fees in Topeka?'>How Much are Chapter 13 Bankruptcy Fees in Topeka?</a> <small>13 ATTORNEY FEES IN TOPEKA In re Beck, Case No....</small></li>
<li><a href='http://bankruptcykansas.info/how-much-chapter-13-bankruptcy-fees-wichita/' rel='bookmark' title='How Much Are Chapter 13 Bankruptcy Fees in Wichita?'>How Much Are Chapter 13 Bankruptcy Fees in Wichita?</a> <small>13 ATTORNEY FEES IN WICHITA In re Mayer, Case No....</small></li>
</ol>]]></description>
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		<item>
		<title>Cram Down Value Used for Means Test in Wichita Bankruptcies</title>
		<link>http://bankruptcykansas.info/cram-down-value-used-for-means-test-in-wichita-bankruptcies/</link>
		<comments>http://bankruptcykansas.info/cram-down-value-used-for-means-test-in-wichita-bankruptcies/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 16:58:33 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Court Rulings]]></category>
		<category><![CDATA[Means Test]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Allen]]></category>
		<category><![CDATA[Arroyo]]></category>
		<category><![CDATA[B22]]></category>
		<category><![CDATA[cram down]]></category>
		<category><![CDATA[current monthly income]]></category>
		<category><![CDATA[debtor's expenses]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[Hoss]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Judge Nugent]]></category>
		<category><![CDATA[secured debt]]></category>
		<category><![CDATA[Wichita]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=3423</guid>
		<description><![CDATA[A DEBTOR MUST USE THE STRIPPED/CRAMMED DOWN AMOUNT FOR PURPOSES OF CURRENT MONTHLY INCOME (CMI) ON LINE 47 OF B22C In re Hoss, Case No. 08-10365 In re Arroyo, Case No. 07-12779 August 2008, Judge Nugent In above median income (AMI) cases, debtors sought to deduct contract payments, rather than the stripped off/crammed down amounts. [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/deviation-from-bankruptcy-means-test-for-expenses-too/' rel='bookmark' title='Deviation from Bankruptcy Means Test for Expenses, Too'>Deviation from Bankruptcy Means Test for Expenses, Too</a> <small>LANNING EXTENDED TO EXPENSE SIDE In re Melvin, Case No....</small></li>
<li><a href='http://bankruptcykansas.info/deduct-full-secured-debt-on-bankruptcy-means-test/' rel='bookmark' title='Deduct Full Secured Debt on Bankruptcy Means Test'>Deduct Full Secured Debt on Bankruptcy Means Test</a> <small>OK FOR CHAPTER 13 DEBTORS TO TAKE B22C DEDUCTION FOR...</small></li>
<li><a href='http://bankruptcykansas.info/401k-withdrawal-income-for-means-test/' rel='bookmark' title='401(k) Withdrawal Is Income for Means Test'>401(k) Withdrawal Is Income for Means Test</a> <small>401(K) DISBURSEMENT PRE PETITION IS CURRENT MONTHLY INCOME BUT NOT...</small></li>
</ol>]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/cram-down-value-used-for-means-test-in-wichita-bankruptcies/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>Why Did They Stop Sending My Mortgage Statements After Bankruptcy?</title>
		<link>http://bankruptcykansas.info/mortgage-statements/</link>
		<comments>http://bankruptcykansas.info/mortgage-statements/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 21:33:21 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[After Bankruptcy]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Financial Help]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[house payment]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[proving you have paid]]></category>
		<category><![CDATA[stopping mortgage statements after bankruptcy]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=1051</guid>
		<description><![CDATA[Most home mortgage lenders who send monthly statements to their borrowers will stop sending statements once a bankruptcy is filed.   They will stop withdrawing automatic payments form your bank account.  They claim sending the statements and withdrawing your funds might be seen as a violation of the bankruptcy automatic stay on collection and they [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/new-rule-chapter-13-mortgage-payments-through-trustee/' rel='bookmark' title='New Rule:  Chapter 13 Mortgage Payments Through Trustee'>New Rule:  Chapter 13 Mortgage Payments Through Trustee</a> <small>The Kansas Bankruptcy Court adopted a new rule requiring chapter...</small></li>
<li><a href='http://bankruptcykansas.info/mortgage-creditor-denied-bankruptcy-attorney-fees/' rel='bookmark' title='Mortgage Creditor Denied Bankruptcy Attorneys Fees'>Mortgage Creditor Denied Bankruptcy Attorneys Fees</a> <small>A mortgage creditor may not include attorneys fees in its...</small></li>
<li><a href='http://bankruptcykansas.info/congress-considers-judicial-mortgage-modification-chapter-13-bankruptcy/' rel='bookmark' title='Congress Considers Judicial Mortgage Modification in Chapter 13 Bankruptcy'>Congress Considers Judicial Mortgage Modification in Chapter 13 Bankruptcy</a> <small>The Helping Families Save Their Homes in Bankruptcy Act of...</small></li>
</ol>]]></description>
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		<slash:comments>2</slash:comments>
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		<title>What Is Collateral in Bankruptcy?</title>
		<link>http://bankruptcykansas.info/collateral-bankruptcy/</link>
		<comments>http://bankruptcykansas.info/collateral-bankruptcy/#comments</comments>
		<pubDate>Sat, 26 Dec 2009 02:26:52 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka Attorney</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Vehicles]]></category>

		<guid isPermaLink="false">http://www.bankruptcykansas.info/?p=2840</guid>
		<description><![CDATA[Collateral: The property that is subject to a lien. A creditor with rights in collateral is a secured creditor and has additional protections in the Bankruptcy Code for the claim secured by collateral. The measure of the secured claim is the value of the collateral available to secure the claim: it is possible to have [...]
Related posts:<ol>
<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>
<li><a href='http://bankruptcykansas.info/owe-secured-debts-mortgages-car-loans-bankruptcy/' rel='bookmark' title='Do I Still Owe Secured Debts (Mortgages, Car Loans) After Bankruptcy?'>Do I Still Owe Secured Debts (Mortgages, Car Loans) After Bankruptcy?</a> <small>Yes and No.  The term “secured debt” applies when you...</small></li>
<li><a href='http://bankruptcykansas.info/what-bankruptcy-can-not-do/' rel='bookmark' title='What Bankruptcy Can Not Do'>What Bankruptcy Can Not Do</a> <small>Bankruptcy can not, however, cure every financial problem.  Nor is...</small></li>
</ol>]]></description>
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		<item>
		<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>By Jill Michaux, Topeka 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 [...]
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<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>
<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/home-affordable-modification-program-video/' rel='bookmark' title='Home Affordable Modification Program Video'>Home Affordable Modification Program Video</a> <small>The U.S. Trustee&#8217;s office produced a video and written materials...</small></li>
</ol>]]></description>
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		<title>Foreclosure Truth: Few Getting Help</title>
		<link>http://bankruptcykansas.info/foreclosure-truth-few-getting-help/</link>
		<comments>http://bankruptcykansas.info/foreclosure-truth-few-getting-help/#comments</comments>
		<pubDate>Sat, 10 Oct 2009 20:32:17 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka 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, [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/foreclosure-prevention-toolkit/' rel='bookmark' title='Foreclosure Prevention Toolkit'>Foreclosure Prevention Toolkit</a> <small>FDIC has published this online took kit to help homeowners...</small></li>
<li><a href='http://bankruptcykansas.info/home-affordable-modification-program-video/' rel='bookmark' title='Home Affordable Modification Program Video'>Home Affordable Modification Program Video</a> <small>The U.S. Trustee&#8217;s office produced a video and written materials...</small></li>
<li><a href='http://bankruptcykansas.info/attorney-general-six-issues-foreclosure-advice/' rel='bookmark' title='Attorney General Six Gives Foreclosure Advice &#8211; Get Attorney, Learn Options'>Attorney General Six Gives Foreclosure Advice &#8211; Get Attorney, Learn Options</a> <small>Kansas Attorney General Stephen N. Six issued the following statement...</small></li>
</ol>]]></description>
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		<slash:comments>1</slash:comments>
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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>By Jill Michaux, Topeka 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. * [...]
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<li><a href='http://bankruptcykansas.info/attorney-general-six-issues-foreclosure-advice/' rel='bookmark' title='Attorney General Six Gives Foreclosure Advice &#8211; Get Attorney, Learn Options'>Attorney General Six Gives Foreclosure Advice &#8211; Get Attorney, Learn Options</a> <small>Kansas Attorney General Stephen N. Six issued the following statement...</small></li>
<li><a href='http://bankruptcykansas.info/foreclosure-truth-few-getting-help/' rel='bookmark' title='Foreclosure Truth: Few Getting Help'>Foreclosure Truth: Few Getting Help</a> <small>As of 9/1/2009, only 1,711 permanent loan modifications 1.26% trial...</small></li>
<li><a href='http://bankruptcykansas.info/foreclosure-fixes-failing/' rel='bookmark' title='Foreclosure Fixes Failing'>Foreclosure Fixes Failing</a> <small>DATA: MORTGAGE “FORECLOSURE PREVENTION” FIXES FAILING TO WORK, U.S. HOME...</small></li>
</ol>]]></description>
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		<title>Watch Out for Mortgage Modification Scams</title>
		<link>http://bankruptcykansas.info/watch-out-for-mortgage-modification-scams/</link>
		<comments>http://bankruptcykansas.info/watch-out-for-mortgage-modification-scams/#comments</comments>
		<pubDate>Wed, 17 Jun 2009 12:17:00 +0000</pubDate>
		<dc:creator>By Jill Michaux, Topeka 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 [...]
Related posts:<ol>
<li><a href='http://bankruptcykansas.info/home-affordable-modification-program-video/' rel='bookmark' title='Home Affordable Modification Program Video'>Home Affordable Modification Program Video</a> <small>The U.S. Trustee&#8217;s office produced a video and written materials...</small></li>
<li><a href='http://bankruptcykansas.info/congress-considers-judicial-mortgage-modification-chapter-13-bankruptcy/' rel='bookmark' title='Congress Considers Judicial Mortgage Modification in Chapter 13 Bankruptcy'>Congress Considers Judicial Mortgage Modification in Chapter 13 Bankruptcy</a> <small>The Helping Families Save Their Homes in Bankruptcy Act of...</small></li>
<li><a href='http://bankruptcykansas.info/attorney-general-six-issues-foreclosure-advice/' rel='bookmark' title='Attorney General Six Gives Foreclosure Advice &#8211; Get Attorney, Learn Options'>Attorney General Six Gives Foreclosure Advice &#8211; Get Attorney, Learn Options</a> <small>Kansas Attorney General Stephen N. Six issued the following statement...</small></li>
</ol>]]></description>
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