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	<title>The Sader Law firm</title>
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	<link>http://www.saderlawfirm.com</link>
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		<title>What Debts Can Be Discharged Through Chapter 7 Bankruptcy?</title>
		<link>http://www.saderlawfirm.com/what-debts-can-be-discharged-through-chapter-7-bankruptcy</link>
		<comments>http://www.saderlawfirm.com/what-debts-can-be-discharged-through-chapter-7-bankruptcy#comments</comments>
		<pubDate>Wed, 28 Mar 2012 18:23:46 +0000</pubDate>
		<dc:creator>Design1</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>
		<category><![CDATA[kansas city bankruptcy attorney]]></category>
		<category><![CDATA[kansas city bankruptcy lawyer]]></category>

		<guid isPermaLink="false">http://www.saderlawfirm.com/?p=955</guid>
		<description><![CDATA[Chapter 7 bankruptcy allows debtors to obtain a fresh financial start by discharging most, if not all, of their pre-bankruptcy debts. Discharging a debt through bankruptcy means you are no longer liable for it and the creditor cannot take any collection actions against you. An experienced Kansas City bankruptcy attorney can help you understand the entire bankruptcy process as well as the Chapter 7 discharge. Types of Debt There are generally three types of debt in bankruptcy: secured, priority unsecured, and general unsecured. Depending on the type of debt, when the debt was incurred, and what your intentions are concerning any property securing the debt, you may or may not be able to discharge your liability through Chapter 7 bankruptcy. Secured Debts Secured debts are those for which certain property has been pledged as collateral. The most common examples include: mortgage loans, car loans, property taxes or property tax loans,...<br /> <a href="http://www.saderlawfirm.com/what-debts-can-be-discharged-through-chapter-7-bankruptcy">Read More &#187;</a>]]></description>
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		<title>A Creditor Keeps Harassing Me While I Am in Bankruptcy – What Can I Do?</title>
		<link>http://www.saderlawfirm.com/a-creditor-keeps-harassing-me-while-i-am-in-bankruptcy-–-what-can-i-do/</link>
		<comments>http://www.saderlawfirm.com/a-creditor-keeps-harassing-me-while-i-am-in-bankruptcy-–-what-can-i-do/#comments</comments>
		<pubDate>Thu, 23 Feb 2012 16:55:55 +0000</pubDate>
		<dc:creator>design3</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.saderlawfirm.com/?p=922</guid>
		<description><![CDATA[In most cases, an automatic stay protects bankruptcy debtors the entire time their bankruptcy case is pending. The automatic stay bars creditors from taking certain collection actions, such as: Foreclosure Repossession Garnishment Additionally, when a bankruptcy debtor is under the protection of the automatic stay, creditors cannot send the debtor bills or collection letters and cannot contact the debtor by any means to try and collect the debt. But sometimes creditors continue to harass debtors in violation of the automatic stay. This is one of many reasons it is important to work with an experienced Kansas City bankruptcy attorney when filing bankruptcy. A qualified attorney can protect your rights if a creditor violates the automatic stay. What You Should Do If a creditor contacts you after you file for Chapter 7 or Chapter 13 bankruptcy, inform the creditor you have filed for bankruptcy and provide the creditor with the following...<br /> <a href="http://www.saderlawfirm.com/a-creditor-keeps-harassing-me-while-i-am-in-bankruptcy-–-what-can-i-do/">Read More &#187;</a>]]></description>
		<wfw:commentRss>http://www.saderlawfirm.com/a-creditor-keeps-harassing-me-while-i-am-in-bankruptcy-–-what-can-i-do/feed</wfw:commentRss>
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		<title>How a Personal Bankruptcy Can Save Your Home in Kansas City</title>
		<link>http://www.saderlawfirm.com/newsletters/how-a-personal-bankruptcy-can-save-your-home/</link>
		<comments>http://www.saderlawfirm.com/newsletters/how-a-personal-bankruptcy-can-save-your-home/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 22:04:36 +0000</pubDate>
		<dc:creator>Tiffany</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.sader-wpmain.aoipreview.com/?p=529</guid>
		<description><![CDATA[It comes as news to many during these tough economic times that by filing for bankruptcy, individuals can be released from liability for most unsecured debts, prevent creditors from taking collection actions, and save a home from foreclosure as well. While Chapter 7 bankruptcy discharges your legal obligation to pay most unsecured debts, Chapter 13 bankruptcy allows repayment of past due debts over time, preventing creditors from repossessing secured property on which payments are being made. Under the present laws, filing either a Chapter 7 or a Chapter 13 bankruptcy stops a home foreclosure, and allows the homeowner time to cure the mortgage arrearage. An experienced Kansas City bankruptcy attorney can explain how, under either Chapter 7 or 13, bankruptcy can help save your home. Chapter 7 is a temporary stop to the foreclosure, but might give the individual or family a short time to cure the past due balance,...<br /> <a href="http://www.saderlawfirm.com/newsletters/how-a-personal-bankruptcy-can-save-your-home/">Read More &#187;</a>]]></description>
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		<title>The 2005 Rule Change to Chapter 7 Filings in Kansas City</title>
		<link>http://www.saderlawfirm.com/newsletters/the-2005-rule-changes-to-chapter-7-filings/</link>
		<comments>http://www.saderlawfirm.com/newsletters/the-2005-rule-changes-to-chapter-7-filings/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 22:02:03 +0000</pubDate>
		<dc:creator>Tiffany</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.sader-wpmain.aoipreview.com/?p=525</guid>
		<description><![CDATA[Under the 2005 changes to the bankruptcy rules, the first step in figuring out whether you can file under Chapter 7 is to measure your &#8220;current monthly income&#8221; against the median income for a family of your size in your state. This is called the “means test.” A qualified Kansas City bankruptcy lawyer will be aware of the requirements and can help you. If your income is less than or equal to the median, you can file for Chapter 7. Importantly, if your debts are primarily business related, the means test may not apply to your ability to file Chapter 7. If your income is more than the median, you must pass the “means test&#8221; in order to file for Chapter 7. The purpose of the means test is to ascertain whether you have enough disposable income, after subtracting certain allowed expenses and required debt payments, to repay at least...<br /> <a href="http://www.saderlawfirm.com/newsletters/the-2005-rule-changes-to-chapter-7-filings/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How a Chapter 13 Bankruptcy Trustee Works in Kansas City</title>
		<link>http://www.saderlawfirm.com/newsletters/how-chapter-13-bankruptcy-trustee-works/</link>
		<comments>http://www.saderlawfirm.com/newsletters/how-chapter-13-bankruptcy-trustee-works/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 21:59:50 +0000</pubDate>
		<dc:creator>Tiffany</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.sader-wpmain.aoipreview.com/?p=521</guid>
		<description><![CDATA[Bankruptcy releases individuals with consumer and business debts from liability for most unsecured debts and prevent the creditors owed those debts from taking collection actions against the debtor. Individuals can file a Chapter 7 “straight liquidation” bankruptcy, or a Chapter 13 “debt repayment plan” bankruptcy. Anyone contemplating bankruptcy should speak to an experienced Kansas City bankruptcy lawyer to evaluate the options appropriate for their particular situation. When someone files a petition for bankruptcy under Chapter 13, a “trustee” is appointed to administer the case. The Chapter 13 trustee both evaluates the case and serves as a disbursing agent, collecting payments from the debtor and making distributions to creditors. The trustee oversees the administration of the case, conducts a meeting of creditors, examines the debtors about the information that they have submitted to the court, and, in Chapter 13, administers the repayment plan. The trustee is charged with representing a debtor’s...<br /> <a href="http://www.saderlawfirm.com/newsletters/how-chapter-13-bankruptcy-trustee-works/">Read More &#187;</a>]]></description>
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		<title>Tough Times Cause an Increase in Bankruptcy Filings in Kansas City</title>
		<link>http://www.saderlawfirm.com/newsletters/tough-times-cause-an-increase-in-bankruptcy-filings/</link>
		<comments>http://www.saderlawfirm.com/newsletters/tough-times-cause-an-increase-in-bankruptcy-filings/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 21:56:20 +0000</pubDate>
		<dc:creator>Tiffany</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.sader-wpmain.aoipreview.com/?p=518</guid>
		<description><![CDATA[These tough economic times have seen an increase in the numbers of individuals, families, consumers and businesses filing for bankruptcy. Bankruptcy can relieve individuals and those with business debts from liability for most unsecured debts and prevent the creditors owed those debts from taking collection actions against the debtor. While the level of protection varies, businesses are also eligible to file for bankruptcy protection. During the current recession, the amount of debt for many has become unmanageable. Those who have contacted The Sader Law Firm, a Kansas City bankruptcy attorney firm, and filed for bankruptcy in the past year include medical professionals, lawyers, teachers, business owners and a wide range of professionals and active community members. According to a July 2, 2009 Bloomberg report, there were 675,351 consumer bankruptcy filings in the first half of 2009, a 36.5 percent increase over 2008 numbers. More than 30,000 businesses filed for bankruptcy...<br /> <a href="http://www.saderlawfirm.com/newsletters/tough-times-cause-an-increase-in-bankruptcy-filings/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Older Americans Turn to Bankruptcy in Kansas City</title>
		<link>http://www.saderlawfirm.com/newsletters/older-americans-turn-to-bankruptcy/</link>
		<comments>http://www.saderlawfirm.com/newsletters/older-americans-turn-to-bankruptcy/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 21:52:08 +0000</pubDate>
		<dc:creator>Tiffany</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.sader-wpmain.aoipreview.com/?p=514</guid>
		<description><![CDATA[Bankruptcy can relieve debtors from liability for some unsecured debts and prevent creditors from taking collection actions. According to a July 2009 Bloomberg report, there were 675,351 consumer bankruptcy filings in the first half of 2009, a 36.5 percent increase over 2008 numbers. Older Americans have experienced the sharpest increase in bankruptcy filings, jumping from 8.2 percent of debtors in 1991 to 22.3 percent in 2007, according to a study by the Consumer Bankruptcy Project, as reported by The Associated Press. The study found that Americans 55 and older accounted for approximately 8 percent of bankruptcies filed in 2001. But by 2007 Americans 55 and older represented 22 percent of bankruptcy filings. The increase was also found by the Public Policy Institute of the AARP (American Association of Retired Persons). Harvard Law Professor Elizabeth Warren, author of the study, also found that the median age for bankruptcy filers had increased...<br /> <a href="http://www.saderlawfirm.com/newsletters/older-americans-turn-to-bankruptcy/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Keeping Your Car and Other Property During Bankruptcy</title>
		<link>http://www.saderlawfirm.com/newsletters/keeping-your-car-and-other-property-during-bankruptcy/</link>
		<comments>http://www.saderlawfirm.com/newsletters/keeping-your-car-and-other-property-during-bankruptcy/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 21:49:53 +0000</pubDate>
		<dc:creator>Tiffany</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.sader-wpmain.aoipreview.com/?p=510</guid>
		<description><![CDATA[Filing for bankruptcy is an important decision that people can make when they need to protect part of their lives from financial trouble. Bankruptcy filings have been on the rise in recent years due to a struggling economy, and high debt levels and unemployment among the American people. In 2009, over 30,000 people in Missouri and over 11,000 in Kansas filed for bankruptcy. Keeping Your Car and Other Property During Bankruptcy Safeguarding your property is one of the most important aspects of filing for bankruptcy. Many people opt for bankruptcy as a way to protect property like cars, houses, and other assets from being sold off to pay creditors. Determining what property may be kept is a difficult decision that depends on the type of bankruptcy filed, which state you file in, and other factors. An experienced Kansas City bankruptcy attorney can help you make the right decision. Chapter 7...<br /> <a href="http://www.saderlawfirm.com/newsletters/keeping-your-car-and-other-property-during-bankruptcy/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Choosing the Best Business Bankruptcy Option</title>
		<link>http://www.saderlawfirm.com/newsletters/choosing-the-best-business-bankruptcy-option/</link>
		<comments>http://www.saderlawfirm.com/newsletters/choosing-the-best-business-bankruptcy-option/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 21:45:23 +0000</pubDate>
		<dc:creator>Tiffany</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.sader-wpmain.aoipreview.com/?p=507</guid>
		<description><![CDATA[Business bankruptcies have been slowing down of late, but that is not necessarily a good thing for every business. Only five public companies filed for Chapter 7 or 11 bankruptcies last month as opposed to 19 a year ago. Public companies tend to be the largest, so while their bankruptcies are falling, smaller businesses are making up a larger portion of bankruptcies. Attributing partially to the decrease in bankruptcies filings are the gradual improvements in credit markets. Weaker companies may not be filing for bankruptcy because they are putting it off by raising capital via higher yield financing or by renegotiating credit deals with their lenders. This is a precarious situation and a short-term solution; if credit markets get worse, the companies could have no choice but to file for bankruptcy. If your company is facing financial difficulties and is considering bankruptcy, contact a Kansas City bankruptcy attorney at the...<br /> <a href="http://www.saderlawfirm.com/newsletters/choosing-the-best-business-bankruptcy-option/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Recovering Money Owed to You via Collections Services</title>
		<link>http://www.saderlawfirm.com/newsletters/recovering-money-owed-to-you-via-collections-services/</link>
		<comments>http://www.saderlawfirm.com/newsletters/recovering-money-owed-to-you-via-collections-services/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 21:43:01 +0000</pubDate>
		<dc:creator>Tiffany</dc:creator>
				<category><![CDATA[Bankruptcy eNewsletters]]></category>

		<guid isPermaLink="false">http://www.sader-wpmain.aoipreview.com/?p=504</guid>
		<description><![CDATA[The Federal Fair Debt Collection Practices Act outlines methods by which debt collectors can go about collecting money from debtors. Below are some of the key provisions: Collectors cannot contact you before 8 a.m. or after 9 p.m. without your permission. Collectors cannot contact you at work if they know that your employer disapproves. You can write a letter to a debt collector and they must immediately stop contacting you. The debt collector can contact you a final time to let you know that the collector or creditor plans to take a specific action. Within five days after the collector contacts you, the collector must send notice of the amount you owe, the name of the creditor, and what you can do if you do not believe that you owe the money. While this Act aims to ensure that debt collectors act reasonably, debt collectors and businesses are still able...<br /> <a href="http://www.saderlawfirm.com/newsletters/recovering-money-owed-to-you-via-collections-services/">Read More &#187;</a>]]></description>
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