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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>
	<lastBuildDate>Sat, 19 May 2012 14:57:11 +0000</lastBuildDate>
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		<title>Can You Buy a Car Before Filing Chapter 13 Bankruptcy?</title>
		<link>http://www.mattberkus.com/blog/2012/05/can-you-buy-a-car-before-filing-chapter-13-bankruptcy/</link>
		<comments>http://www.mattberkus.com/blog/2012/05/can-you-buy-a-car-before-filing-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Sat, 19 May 2012 14:57:11 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Pre-Bankruptcy Planning]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[car purchase]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[vehicle]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=622</guid>
		<description><![CDATA[Answer, yes; but with some words of caution. First, chapter 13 bankruptcy is a repayment plan; the goal of chapter 13 is to allow the individual or family to get back in control of their finances. The main question in chapter 13 is “how much is the monthly payment?” At some point the debtor figures [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Can’t I Sell My House “During” My Bankruptcy?</title>
		<link>http://www.mattberkus.com/blog/2012/05/why-can%e2%80%99t-i-sell-my-house-%e2%80%9cduring%e2%80%9d-my-bankruptcy/</link>
		<comments>http://www.mattberkus.com/blog/2012/05/why-can%e2%80%99t-i-sell-my-house-%e2%80%9cduring%e2%80%9d-my-bankruptcy/#comments</comments>
		<pubDate>Sat, 19 May 2012 14:09:58 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[banrkuptcy]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[exemptions]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=618</guid>
		<description><![CDATA[Understanding Bankruptcy Exemptions? Explaining the technical nature of the bankruptcy estate and bankruptcy exemptions can be daunting, and admittedly, does involve legal hair splitting. As a result, the information consumers have on the subject leads them to believe that assets exempt in bankruptcy are theirs to do with as they please even after filing chapter [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2012/05/why-can%e2%80%99t-i-sell-my-house-%e2%80%9cduring%e2%80%9d-my-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Are the Administrative (Statutory) Student Loan Discharge Options?</title>
		<link>http://www.mattberkus.com/blog/2012/05/what-are-the-administrative-statutory-student-loan-discharge-options/</link>
		<comments>http://www.mattberkus.com/blog/2012/05/what-are-the-administrative-statutory-student-loan-discharge-options/#comments</comments>
		<pubDate>Thu, 17 May 2012 18:37:03 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[cosigner]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=611</guid>
		<description><![CDATA[Student loan debt is one of two unforgivable debts (the other being back child support). Once you take on a student loan, whether you are a borrower or cosigner, you are basically stuck with debt…almost! You may be aware that it is at least possible to discharge student loan debt in bankruptcy. See my discussion [...]]]></description>
		<wfw:commentRss>http://www.mattberkus.com/blog/2012/05/what-are-the-administrative-statutory-student-loan-discharge-options/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Surrendering Investment Property in Bankruptcy, What are Tax Consequences?</title>
		<link>http://www.mattberkus.com/blog/2012/05/surrendering-investment-property-in-bankruptcy-what-are-tax-consequences/</link>
		<comments>http://www.mattberkus.com/blog/2012/05/surrendering-investment-property-in-bankruptcy-what-are-tax-consequences/#comments</comments>
		<pubDate>Mon, 07 May 2012 22:22:49 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Tax Debt]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[investment property]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=609</guid>
		<description><![CDATA[Question: I am filing chapter 7 bankruptcy tomorrow. I am surrendering my owner occupied 4-plex as part of that process, I lived I one of the units and own no other property) If I surrender my owner occupied 4-plex in bankruptcy, does a tax event occur on the day the bankruptcy is discharged or the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy and Bail, Just Not an Option!</title>
		<link>http://www.mattberkus.com/blog/2012/05/buy-and-bail-just-not-an-option/</link>
		<comments>http://www.mattberkus.com/blog/2012/05/buy-and-bail-just-not-an-option/#comments</comments>
		<pubDate>Tue, 01 May 2012 16:21:10 +0000</pubDate>
		<dc:creator>Matt Berkus</dc:creator>
				<category><![CDATA[Mortgage Debt]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[buy and bail]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.mattberkus.com/blog/?p=604</guid>
		<description><![CDATA[Question: My chapter 7 bankruptcy was discharged 3 years ago, and the house was included. We have been living in the house for the full 3 years, although I stopped mortgage payments in November of 2010. My credit report says &#8220;discharged in BK&#8221;, and I am trying to sell the house and buy a new [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.mattberkus.com/blog/2012/01/considering-bankruptcy-the-high-road-ends-at-a-cliff/feed/</wfw:commentRss>
		<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>
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		<slash:comments>0</slash:comments>
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