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	<title>Matt Berkus</title>
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	<link>http://www.mattberkus.com/blog</link>
	<description>Bankruptcy and Debt Relief</description>
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		<title>10th Circuit Requires Proof of Note for Foreclosure.</title>
		<link>http://www.mattberkus.com/blog/2012/02/10th-circuit-requires-proof-of-note-for-foreclosure/</link>
		<comments>http://www.mattberkus.com/blog/2012/02/10th-circuit-requires-proof-of-note-for-foreclosure/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 23:09:06 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[miller v Deutsche]]></category>
		<category><![CDATA[produce the note]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=598</guid>
		<description><![CDATA[The 10th Circuit Court of Appeals, in the case of Miller vs. Deutsche Bank National Trust (opens PDF), requires mortgage loan servicers to prove possession of the mortgage note in order to have proper standing to file a Motion for Relief From Stay in bankruptcy court. A Motion for Relief from Stay is a required [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2012/02/10th-circuit-requires-proof-of-note-for-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Considering Bankruptcy, The &#8220;High Road&#8221; Ends At A Cliff!</title>
		<link>http://www.mattberkus.com/blog/2012/01/considering-bankruptcy-the-high-road-ends-at-a-cliff/</link>
		<comments>http://www.mattberkus.com/blog/2012/01/considering-bankruptcy-the-high-road-ends-at-a-cliff/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 07:27:50 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Motivation and Insight - Debt Freedom]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[morality]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=591</guid>
		<description><![CDATA[In many a consultation I have heard, and I am sure if you are considering bankruptcy, you might have said this to yourself at some point&#8230; &#8220;I want to do the right thing and pay my bills.&#8221; &#8220;I want to take the high road and not file bankruptcy.&#8221; Or some variation on the moral objection [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Pay Student Loans in Chapter 13 Bankruptcy?</title>
		<link>http://www.mattberkus.com/blog/2011/12/can-you-pay-student-loans-in-chapter-13-bankruptcy/</link>
		<comments>http://www.mattberkus.com/blog/2011/12/can-you-pay-student-loans-in-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Sun, 18 Dec 2011 15:59:23 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[1322(b)(1)]]></category>
		<category><![CDATA[1322(b)(5)]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[payment plan]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=577</guid>
		<description><![CDATA[But for a showing of undue hardship, student loans are non-dischargeable in bankruptcy; outside of bankruptcy, there are few options for a struggling debtor to find relief from crushing student loan debt. Moreover, student loan debt has no special status in bankruptcy; you cannot &#8220;just choose&#8221; to pay your student loans ahead of other unsecured [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2011/12/can-you-pay-student-loans-in-chapter-13-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Biggest Mistake You Don’t Know You Are Making During Financial Crisis!</title>
		<link>http://www.mattberkus.com/blog/2011/12/the-biggest-mistake-you-don%e2%80%99t-know-you-are-making-during-financial-crisis/</link>
		<comments>http://www.mattberkus.com/blog/2011/12/the-biggest-mistake-you-don%e2%80%99t-know-you-are-making-during-financial-crisis/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 16:05:57 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Motivation and Insight - Debt Freedom]]></category>
		<category><![CDATA[401(k) withdrawal]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[retirement accounts]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=573</guid>
		<description><![CDATA[I can’t tell you how many times I have heard this story from a prospective client: I ask: “Do you have any retirement accounts or 401(k)?” Response: “No, we liquidated those to stay afloat.” I feel sad when I hear that because I know that if he had the courage to visit the office 6 [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2011/12/the-biggest-mistake-you-don%e2%80%99t-know-you-are-making-during-financial-crisis/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Am I Too Young To File Bankruptcy?</title>
		<link>http://www.mattberkus.com/blog/2011/12/am-i-too-young-to-file-bankruptcy/</link>
		<comments>http://www.mattberkus.com/blog/2011/12/am-i-too-young-to-file-bankruptcy/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 02:11:39 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[age]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=568</guid>
		<description><![CDATA[Although not common, we are seeing more and more twenty-something’s in need of bankruptcy relief. A concern that is sometimes voiced is whether the client is too young to file bankruptcy. I don’t mean in a legal sense—anyone of legal-adult age may file bankruptcy (in fact, even someone under the legal-adult age can file bankruptcy [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2011/12/am-i-too-young-to-file-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>NOT a Good Idea to Transfer Student Loans to Credit Cards</title>
		<link>http://www.mattberkus.com/blog/2011/11/not-a-good-idea-to-transfer-student-loans-to-credit-cards/</link>
		<comments>http://www.mattberkus.com/blog/2011/11/not-a-good-idea-to-transfer-student-loans-to-credit-cards/#comments</comments>
		<pubDate>Sun, 20 Nov 2011 05:23:07 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[transfer]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=555</guid>
		<description><![CDATA[As the looming crisis of student loan debt nears, some enterprising debtors are no doubt getting desperate. Student loan debtors are being hounded by collection agencies night and day, tax refunds are being intercepted, and wage garnishments are inevitable. So some enterprising debtors are getting the idea to transfer their student loan debt to credit [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2011/11/not-a-good-idea-to-transfer-student-loans-to-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Matt Berkus, Cited As Authority On E-how!</title>
		<link>http://www.mattberkus.com/blog/2011/11/matt-berkus-cited-as-authority-on-e-how/</link>
		<comments>http://www.mattberkus.com/blog/2011/11/matt-berkus-cited-as-authority-on-e-how/#comments</comments>
		<pubDate>Sat, 19 Nov 2011 00:58:45 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Hiring an Attorney]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[matt berkus]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=550</guid>
		<description><![CDATA[Okay, this post is obviously self serving, but it is interesting to see how my content has filtered through the World Wide Web. Here is a list of articles at e-how.com where my articles have been cited as an authority. How to Calculate Cash Value for Bankruptcy? http://www.ehow.com/how_8772780_calculate-cash-value-bankruptcy.html Will Reaffirming a Mortgage Hurt My Credit [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2011/11/matt-berkus-cited-as-authority-on-e-how/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage After Bankruptcy, A Success Story!</title>
		<link>http://www.mattberkus.com/blog/2011/11/mortgage-after-bankruptcy-a-success-story/</link>
		<comments>http://www.mattberkus.com/blog/2011/11/mortgage-after-bankruptcy-a-success-story/#comments</comments>
		<pubDate>Sat, 05 Nov 2011 14:53:50 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>
		<category><![CDATA[after bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=544</guid>
		<description><![CDATA[As much as you try to tell people that there is life and credit after bankruptcy, there is always doubt, but here is short success story I found. http://www.bkforum.com/showthread.php?74002-Success-Story! &#8220;I just wanted to let everyone know that rebuilding can be done! We filed CH 7 and at the same time we didn&#8217;t want to keep [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2011/11/mortgage-after-bankruptcy-a-success-story/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Settling a Second Mortgage, What Should I Watch Out For?</title>
		<link>http://www.mattberkus.com/blog/2011/11/settling-a-second-mortgage-what-should-i-watch-out-for/</link>
		<comments>http://www.mattberkus.com/blog/2011/11/settling-a-second-mortgage-what-should-i-watch-out-for/#comments</comments>
		<pubDate>Sat, 05 Nov 2011 00:29:37 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Mortgage Debt]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[1099-C]]></category>
		<category><![CDATA[2nd mortgage]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[settlement]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=540</guid>
		<description><![CDATA[Question: Hello Matt, I discharged both my first and second mortgages under chapter 7 bankruptcy in 2009 and I did not reaffirm those debts. I wanted to keep the house, so I kept paying on both loans. House is worth about $150,000; the first mortgage is $151,000 and the second is $70,000. I stopped paying [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2011/11/settling-a-second-mortgage-what-should-i-watch-out-for/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Student Loan Debt Proposal That Will Help, Make Student Loans Priority Claims!</title>
		<link>http://www.mattberkus.com/blog/2011/11/make-student-loans-priority-claims/</link>
		<comments>http://www.mattberkus.com/blog/2011/11/make-student-loans-priority-claims/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 00:59:15 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[proposal]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=521</guid>
		<description><![CDATA[Proposal: Amend bankruptcy code section 507 to make student loans a priority debt. Do not require priority student loan debt to be paid in full within a chapter 13 plan; require all payments to priority student loan debt in chapter 13 bankruptcy be applied to principal only, the student loan shall stop accruing interest, fees, penalties, charges, and expenses during the chapter 13 bankruptcy, and that upon chapter 13 discharge, the student loan borrower shall be deemed current and the loan rehabilitated if a balance is still owed.]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2011/11/make-student-loans-priority-claims/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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