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	<title>Kansas Bankruptcy Information &#187; Mark Neis</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>GAP Insurance Not In Car Lender&#039;s PMSI</title>
		<link>http://bankruptcykansas.info/gap-insurance-not-in-car-lenders-pmsi/</link>
		<comments>http://bankruptcykansas.info/gap-insurance-not-in-car-lenders-pmsi/#comments</comments>
		<pubDate>Sun, 07 Dec 2008 17:44:13 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[910 car claim]]></category>
		<category><![CDATA[910 claim]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[car service contract]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[cram down]]></category>
		<category><![CDATA[crammed down]]></category>
		<category><![CDATA[GAP insurance]]></category>
		<category><![CDATA[Janice Miller Karlin]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Judge Karlin]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[Kansas bankruptcy court]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[negative equity]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[non-purchase money security interest]]></category>
		<category><![CDATA[PMSI]]></category>
		<category><![CDATA[purchase money security interest]]></category>
		<category><![CDATA[service contract]]></category>
		<category><![CDATA[U.S. Bankruptcy Court for the District of Kansas]]></category>
		<category><![CDATA[value of car]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=144</guid>
		<description><![CDATA[GAP insurance, service contracts, administrative fees and the traded-in car payoff are not part of a car lender&#8217;s purchase-money secured claim in chapter 13 bankruptcy and can be crammed-down if the car is worth less than the loan balance, Judge Janice Miller Karlin ruled this week in In Re Miller, Case No. 08-40935, (Bankr. D.Kan. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Kansas Bankruptcy Court Proposes Local Rules Changes</title>
		<link>http://bankruptcykansas.info/kansas-bankruptcy-court-proposes-local-rules-changes/</link>
		<comments>http://bankruptcykansas.info/kansas-bankruptcy-court-proposes-local-rules-changes/#comments</comments>
		<pubDate>Sun, 02 Nov 2008 18:55:17 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[attorney signatures on pleadings]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bar committee]]></category>
		<category><![CDATA[bench and bar committee]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 trustee]]></category>
		<category><![CDATA[foreign representatives]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[Kansas bankruptcy court]]></category>
		<category><![CDATA[kansas city kansas]]></category>
		<category><![CDATA[Kansas City KS]]></category>
		<category><![CDATA[ksb.uscourts.gov]]></category>
		<category><![CDATA[local rules]]></category>
		<category><![CDATA[local rules of practice and procedure]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[motor vehicles]]></category>
		<category><![CDATA[pleadings]]></category>
		<category><![CDATA[proof of insurance]]></category>
		<category><![CDATA[rules changes]]></category>
		<category><![CDATA[rules of practice and procedure]]></category>
		<category><![CDATA[Topeka Kansas]]></category>
		<category><![CDATA[U.S. Bankruptcy Court]]></category>
		<category><![CDATA[U.S. Bankruptcy Court for the District of Kansas]]></category>
		<category><![CDATA[Wichita]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=134</guid>
		<description><![CDATA[Amendments to the local rules of practice and procedure are proposed by the U.S. Bankruptcy Court for the District of Kansas about post-confirmation recovery of assets by the chapter 13 trustee, proof of insurance on motor vehicles, required information for attorney signatures on pleadings, and cases commenced by foreign representatives. The Court is soliciting written [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/kansas-bankruptcy-court-proposes-local-rules-changes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Consider Chapter 13</title>
		<link>http://bankruptcykansas.info/consider-chapter-13/</link>
		<comments>http://bankruptcykansas.info/consider-chapter-13/#comments</comments>
		<pubDate>Mon, 20 Oct 2008 02:47:19 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Academy for Consumer Bankruptcy Education]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcykansas.info]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[NACTT]]></category>
		<category><![CDATA[National Association of Chapter 13 Trustees]]></category>
		<category><![CDATA[National Association of Chapter 13 Trustees Academy for]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[Topeka Kansas]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/?p=132</guid>
		<description><![CDATA[Considerchapter13.com is a new web site launched by the National Association of Chapter 13 Trustees Academy for Consumer Bankruptcy Education. The site contains information for consumers and bankruptcy attorneys by the Chapter 13 trustees who belong to the NACTT. As always with any information on the internet, you should ask questions and discuss specific issues [...]]]></description>
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		<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>
		<wfw:commentRss>http://bankruptcykansas.info/bapcpa-special-interest-legislation-at-its-worst/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10% Home Mortgages Under Water</title>
		<link>http://bankruptcykansas.info/10-home-mortgages-under-water/</link>
		<comments>http://bankruptcykansas.info/10-home-mortgages-under-water/#comments</comments>
		<pubDate>Sun, 24 Feb 2008 14:23:14 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[ABC News]]></category>
		<category><![CDATA[America]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Gene Melchionne]]></category>
		<category><![CDATA[Great Depression]]></category>
		<category><![CDATA[home mortgage foreclosure]]></category>
		<category><![CDATA[home mortgages]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[losing home]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[Mortgage Law Network]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[owe more money on house than worth]]></category>
		<category><![CDATA[retirement funds]]></category>
		<category><![CDATA[Reuters]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[subprime lending]]></category>
		<category><![CDATA[subprime mortgages]]></category>
		<category><![CDATA[Topeka]]></category>
		<category><![CDATA[Topeka Kansas]]></category>
		<category><![CDATA[under water]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/2008/02/24/10-home-mortgages-under-water/</guid>
		<description><![CDATA[Here is a scary statistic for 2007 being reported by ABC News: 10% of American homeowners owe more money on their house than the house is worth. That figure has doubled from 5% in 2006. For homes purchased in the past two years, the figure shoots up to an alarming 30%, according to Reuters. These [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/10-home-mortgages-under-water/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wichita Car Dealer Convicted of Bankruptcy Fraud &#8211; Facing 5 Years in Jail</title>
		<link>http://bankruptcykansas.info/wichita-car-dealer-convicted-of-bankruptcy-fraud/</link>
		<comments>http://bankruptcykansas.info/wichita-car-dealer-convicted-of-bankruptcy-fraud/#comments</comments>
		<pubDate>Sat, 23 Feb 2008 14:52:11 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy crimes]]></category>
		<category><![CDATA[bankruptcy fraud]]></category>
		<category><![CDATA[disclose]]></category>
		<category><![CDATA[fale statement]]></category>
		<category><![CDATA[federal crimes]]></category>
		<category><![CDATA[federal prison]]></category>
		<category><![CDATA[first rule in bankruptcy]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[Karen Oakes]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[Meet My Fellow Bankruptcy Bloggers]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[Oregon]]></category>
		<category><![CDATA[Topeka]]></category>
		<category><![CDATA[Topeka Kansas]]></category>
		<category><![CDATA[Wichita]]></category>
		<category><![CDATA[Wichita Kansas]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/2008/02/23/wichita-car-dealer-convicted-of-bankruptcy-fraud/</guid>
		<description><![CDATA[A Wichita car dealer who gave money to relatives before filing his bankruptcy case and lied on his bankruptcy paperwork was convicted of federal crimes this week and faces possible jail time for his fraud. Evidence at trial proved he gave money to his wife and his brother prior to filing his bankruptcy case and [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/wichita-car-dealer-convicted-of-bankruptcy-fraud/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Kansas Bankruptcy Judges End Secret Mortgage Fees in Chapter 13</title>
		<link>http://bankruptcykansas.info/kansas-bankruptcy-judges-end-secret-mortgage-fees-in-chapter-13/</link>
		<comments>http://bankruptcykansas.info/kansas-bankruptcy-judges-end-secret-mortgage-fees-in-chapter-13/#comments</comments>
		<pubDate>Sat, 23 Feb 2008 00:05:36 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy judges]]></category>
		<category><![CDATA[Bankruptcy Law Office]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 confirmation order]]></category>
		<category><![CDATA[confirmation]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[judges]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[mortgage fees]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[secret mortgage fees]]></category>
		<category><![CDATA[Topeka]]></category>
		<category><![CDATA[Topeka Kansas]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/2008/02/22/kansas-bankruptcy-judges-end-secret-mortgage-fees-in-chapter-13/</guid>
		<description><![CDATA[The bankruptcy judges in Kansas have approved new language for all chapter 13 confirmation orders that will put an end to the abusive practice of secretly adding fees to a debtor&#8217;s mortgage loan balance. No real estate creditor shall ever assess, charge or collect, from either the debtor or the real estate collateral, any assessments, [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/kansas-bankruptcy-judges-end-secret-mortgage-fees-in-chapter-13/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Attorney General Six Gives Foreclosure Advice &#8211; Get Attorney, Learn Options</title>
		<link>http://bankruptcykansas.info/attorney-general-six-issues-foreclosure-advice/</link>
		<comments>http://bankruptcykansas.info/attorney-general-six-issues-foreclosure-advice/#comments</comments>
		<pubDate>Fri, 22 Feb 2008 03:27:56 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Attorney General]]></category>
		<category><![CDATA[Attorney General Stephen N. Six]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[home foreclosure]]></category>
		<category><![CDATA[home mortgage foreclosure]]></category>
		<category><![CDATA[home mortgage fraud]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[Kansas Attorney General]]></category>
		<category><![CDATA[Kansas Attorney General Stephen N. Six]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[mortgage fraud]]></category>
		<category><![CDATA[mortgage rescue company]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[scam]]></category>
		<category><![CDATA[Stephen N. Six]]></category>
		<category><![CDATA[subprime lending]]></category>
		<category><![CDATA[Topeka]]></category>
		<category><![CDATA[U.S. Department of Housing and Urban Development]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/2008/02/21/attorney-general-six-issues-foreclosure-advice/</guid>
		<description><![CDATA[Kansas Attorney General Stephen N. Six issued the following statement on home mortgage foreclosure this week, urging people facing foreclosure to seek help from an attorney. Home foreclosure is a growing problem in Kansas and across the nation. Mortgage fraud and subprime lending have left many homeowners stuck with home loans they can no longer [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/attorney-general-six-issues-foreclosure-advice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Board Certification Renewed for Jill Michaux</title>
		<link>http://bankruptcykansas.info/board-certification-renewed-for-jill-michaux/</link>
		<comments>http://bankruptcykansas.info/board-certification-renewed-for-jill-michaux/#comments</comments>
		<pubDate>Sun, 10 Feb 2008 17:40:11 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[American Board of Certification]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy specialist]]></category>
		<category><![CDATA[board certified]]></category>
		<category><![CDATA[board certified in bankruptcy law]]></category>
		<category><![CDATA[board certified in consumer bankruptcy law]]></category>
		<category><![CDATA[choosing a bankruptcy attorney]]></category>
		<category><![CDATA[choosing a bankruptcy lawyer]]></category>
		<category><![CDATA[choosing a lawyer]]></category>
		<category><![CDATA[choosing an attorney]]></category>
		<category><![CDATA[expertise]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[Topeka]]></category>
		<category><![CDATA[Topeka Kansas]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/2008/02/10/board-certification-renewed-for-jill-michaux/</guid>
		<description><![CDATA[Jill Michaux has earned recertification in consumer bankruptcy law by the American Board of Certification. She was awarded her 15 year pin as a consumer bankruptcy specialist. She was the first Kansas lawyer to be board certified in consumer bankruptcy law. Her partner, Mark Neis, was second. Today, they are the only board certified consumer [...]]]></description>
		<wfw:commentRss>http://bankruptcykansas.info/board-certification-renewed-for-jill-michaux/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>More Kansans Can Qualify for Bankruptcy Help with Increased Income Allowances</title>
		<link>http://bankruptcykansas.info/more-kansans-qualify-for-bankruptcy-with-increased-income-guidelines/</link>
		<comments>http://bankruptcykansas.info/more-kansans-qualify-for-bankruptcy-with-increased-income-guidelines/#comments</comments>
		<pubDate>Sun, 27 Jan 2008 17:15:51 +0000</pubDate>
		<dc:creator>Jill Michaux, Topeka Consumer Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Kansas Bankruptcy News]]></category>
		<category><![CDATA[Means Test]]></category>
		<category><![CDATA[am I eligible for bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy eligibility]]></category>
		<category><![CDATA[bankruptcy income test]]></category>
		<category><![CDATA[Bankruptcy Law Office]]></category>
		<category><![CDATA[bankruptcy means test]]></category>
		<category><![CDATA[Jill Michaux]]></category>
		<category><![CDATA[Kansas]]></category>
		<category><![CDATA[Kansas median family income]]></category>
		<category><![CDATA[Mark Neis]]></category>
		<category><![CDATA[median family income]]></category>
		<category><![CDATA[Neis & Michaux]]></category>
		<category><![CDATA[P.A.]]></category>
		<category><![CDATA[Topeka Kansas]]></category>
		<category><![CDATA[u s census bureau]]></category>

		<guid isPermaLink="false">http://bankruptcykansas.info/2008/01/27/more-kansans-qualify-for-bankruptcy-with-increased-income-guidelines/</guid>
		<description><![CDATA[The Kansas income guidelines for the bankruptcy means test go up February 1, 2008. Kansas Median Family Income by Family Size for Bankruptcy Cases Filed on or After February 1, 2008, 1 earner&#8230;&#8230;&#8230;.$38,594 2 persons&#8230;&#8230;..$52,989 3 persons &#8230;&#8230;.$58,075 4 persons &#8230;&#8230;.$69, 831 5 persons &#8230;&#8230;.$76,731 6 persons &#8230;&#8230;.$83,631 Add $6,900 for each additional individual]]></description>
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