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	<title>WWR Bankruptcy &#62; Your Bankruptcy News &#38; Information Source &#187; Chapter 13</title>
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	<link>http://wwrbankruptcy.com</link>
	<description>WW&#38;R Bankruptcy practice group of Weltman, Weinberg &#38; Reis, the nation&#039;s largest creditor&#039;s rights law firm, is your source for bankruptcy news and information. We are committed to helping clients thrive in these ever changing times.</description>
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		<title>Best Practice in Bankruptcy Notices of Default</title>
		<link>http://wwrbankruptcy.com/2012/04/17/best-practice-in-bankruptcy-notices-of-default/</link>
		<comments>http://wwrbankruptcy.com/2012/04/17/best-practice-in-bankruptcy-notices-of-default/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 14:01:37 +0000</pubDate>
		<dc:creator>Monette Cope</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Notice of Default]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=530</guid>
		<description><![CDATA[By Monette W. Cope, Esq. The mortgage industry is under tremendous scrutiny from the Attorney General and the States&#8217; Attorney Generals, as well as the new Consumer Financial Protection Bureau which just announced it will be drafting rules to regulate all servicers.  In response, most in the industry are stepping up and being more transparent [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Is a Debtor&#8217;s Ability to Strip Off Second Mortgages Expanding?</title>
		<link>http://wwrbankruptcy.com/2012/03/30/is-a-debtors-ability-to-strip-off-second-mortgages-expanding/</link>
		<comments>http://wwrbankruptcy.com/2012/03/30/is-a-debtors-ability-to-strip-off-second-mortgages-expanding/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 14:30:36 +0000</pubDate>
		<dc:creator>msteiner</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[lien stripping]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=509</guid>
		<description><![CDATA[Recent holdings in the Southern Bankruptcy District of Florida[1] and elsewhere demonstrate that debtors are seeking to expand their ability to strip off junior liens on real property in a Chapter 13 reorganization after having received a prior Chapter 7 discharge, and the Courts are beginning to step out of the way. Since the enactment [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2012/03/30/is-a-debtors-ability-to-strip-off-second-mortgages-expanding/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Judge Sanctions Debtor Attorneys for Bad Faith Claim Objections</title>
		<link>http://wwrbankruptcy.com/2011/11/21/judge-sanctions-debtor-attorneys-for-bad-faith-claim-objections/</link>
		<comments>http://wwrbankruptcy.com/2011/11/21/judge-sanctions-debtor-attorneys-for-bad-faith-claim-objections/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 14:30:10 +0000</pubDate>
		<dc:creator>Nicole Kellner-Swick</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Proof of Claim]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=491</guid>
		<description><![CDATA[by Damian A. Valladares, Esq. There has been a new and important development in bankruptcies in the Southern District of Florida on the subject of objections to creditors&#8217; Proofs of Claims. Responding to what he perceived to be a pervasive practice among debtors&#8217; attorneys, last week Judge John K. Olson of the Fort Lauderdale Division, [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2011/11/21/judge-sanctions-debtor-attorneys-for-bad-faith-claim-objections/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Telephone Scam Affects Chapter 13 Bankruptcy Cases Filed in Michigan</title>
		<link>http://wwrbankruptcy.com/2011/04/21/telephone-scam-affects-chapter-13-bankruptcy-cases-filed-in-michigan/</link>
		<comments>http://wwrbankruptcy.com/2011/04/21/telephone-scam-affects-chapter-13-bankruptcy-cases-filed-in-michigan/#comments</comments>
		<pubDate>Thu, 21 Apr 2011 21:23:33 +0000</pubDate>
		<dc:creator>David Yunghans</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[bankrupcy]]></category>
		<category><![CDATA[michigan]]></category>
		<category><![CDATA[telephone scam]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=403</guid>
		<description><![CDATA[Recently debtors in chapter 13 cases in the Western District of Michigan have reported receiving phone calls from a person claiming to represent the trustee.  The person then instructs the debtor to make trustee payments to a different P.O. Box which is not the correct payment address.  The person also requests personal information from the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Attacking Confirmation Orders Post-Espinosa</title>
		<link>http://wwrbankruptcy.com/2011/04/19/attacking-confirmation-orders-post-espinosa/</link>
		<comments>http://wwrbankruptcy.com/2011/04/19/attacking-confirmation-orders-post-espinosa/#comments</comments>
		<pubDate>Tue, 19 Apr 2011 21:49:50 +0000</pubDate>
		<dc:creator>Monette Cope</dc:creator>
				<category><![CDATA[Bankruptcy Court]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[bankruptcy provisions]]></category>
		<category><![CDATA[confirmation order]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=400</guid>
		<description><![CDATA[Hope was extinguished for creditors who would seek to overturn illegal provisions in confirmed Chapter 13 plans by the Supreme Court’s recent decision in Espinosa.[1] There, the Court upheld an order confirming a plan that stated all student loans would be discharged upon the debtor’s Chapter 13 discharge even though the provision was illegal – [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>When Spouses Cannot Strip Mortgage Liens in Bankruptcy</title>
		<link>http://wwrbankruptcy.com/2011/04/13/when-spouses-cannot-strip-mortgage-liens-in-bankruptcy/</link>
		<comments>http://wwrbankruptcy.com/2011/04/13/when-spouses-cannot-strip-mortgage-liens-in-bankruptcy/#comments</comments>
		<pubDate>Wed, 13 Apr 2011 18:32:19 +0000</pubDate>
		<dc:creator>Monette Cope</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[lien stripping]]></category>
		<category><![CDATA[strip lien]]></category>
		<category><![CDATA[tenancy by the entirety]]></category>
		<category><![CDATA[wholly unsecured liens]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=397</guid>
		<description><![CDATA[In a previous advisory, titled “Lien Stripping Prohibited if Debtor is Ineligible for Discharge”, the discussion centered on emerging case law that prohibits a debtor from stripping liens on wholly unsecured mortgage claims when that debtor is ineligible for a Chapter 13 discharge.  A recent case out of the Northern District of Illinois Bankruptcy Court [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Lien Stripping Prohibited If Debtor Is Ineligible For Discharge</title>
		<link>http://wwrbankruptcy.com/2011/04/07/lien-stripping-prohibited-if-debtor-is-ineligible-for-discharge/</link>
		<comments>http://wwrbankruptcy.com/2011/04/07/lien-stripping-prohibited-if-debtor-is-ineligible-for-discharge/#comments</comments>
		<pubDate>Thu, 07 Apr 2011 18:16:17 +0000</pubDate>
		<dc:creator>Monette Cope</dc:creator>
				<category><![CDATA[2005 BAPCPA]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[lien stripping]]></category>
		<category><![CDATA[mortgage liens]]></category>
		<category><![CDATA[unsecured liens]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=383</guid>
		<description><![CDATA[Chapter 13 debtors who are ineligible for a discharge may not strip mortgage liens, even if the liens are wholly unsecured. This is a growing consensus among a majority of bankruptcy courts, and is a result of the interplay between two Bankruptcy Code provisions enacted in the 2005 BAPCPA amendments. The first provision is that [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2011/04/07/lien-stripping-prohibited-if-debtor-is-ineligible-for-discharge/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Senate Judiciary Committee Approves National Loss Mitigation Program in Bankruptcy Cases</title>
		<link>http://wwrbankruptcy.com/2011/04/06/senate-judiciary-committee-approves-national-loss-mitigation-program-in-bankruptcy-cases/</link>
		<comments>http://wwrbankruptcy.com/2011/04/06/senate-judiciary-committee-approves-national-loss-mitigation-program-in-bankruptcy-cases/#comments</comments>
		<pubDate>Wed, 06 Apr 2011 14:57:16 +0000</pubDate>
		<dc:creator>Alan Hochheiser</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Loss Mitigation]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=380</guid>
		<description><![CDATA[On April 5, 2011, the Senate Judiciary Committee passed a bill to establish a National Loss Mitigation Program in Bankruptcy Cases. By a vote of 10-8, the bill sponsored by Senator Whitehouse of Rhode Island will move onto the Senate. Senate Bill 222 will allow bankruptcy judges under 11 USC 105 to establish loss mitigation [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2011/04/06/senate-judiciary-committee-approves-national-loss-mitigation-program-in-bankruptcy-cases/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Supreme Court Adopts “Forward-Looking” Approach to Define Projected Disposable Income When Calculating Chapter 13 Repayment Plans</title>
		<link>http://wwrbankruptcy.com/2010/07/01/supreme-court-adopts-%e2%80%9cforward-looking%e2%80%9d-approach-to-define-projected-disposable-income-when-calculating-chapter-13-repayment-plans/</link>
		<comments>http://wwrbankruptcy.com/2010/07/01/supreme-court-adopts-%e2%80%9cforward-looking%e2%80%9d-approach-to-define-projected-disposable-income-when-calculating-chapter-13-repayment-plans/#comments</comments>
		<pubDate>Thu, 01 Jul 2010 20:27:34 +0000</pubDate>
		<dc:creator>David Yunghans</dc:creator>
				<category><![CDATA[2005 BAPCPA]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[forward looking approach]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[mechanical approach]]></category>
		<category><![CDATA[projected disposable income]]></category>
		<category><![CDATA[repayment plans]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=353</guid>
		<description><![CDATA[When Congress amended the Bankruptcy Code in 2005, they implemented the means test.  The purpose of the means test was to provide a higher return of funds to unsecured creditors.  The test requires debtors filing chapter 13 bankruptcy to pay all “projected disposable income” into the plan.  Projected disposable income is a calculation of all [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/07/01/supreme-court-adopts-%e2%80%9cforward-looking%e2%80%9d-approach-to-define-projected-disposable-income-when-calculating-chapter-13-repayment-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Bankruptcy &amp; The Economy: A Valuable Session</title>
		<link>http://wwrbankruptcy.com/2010/05/06/bankruptcy-the-economy-a-valuable-session/</link>
		<comments>http://wwrbankruptcy.com/2010/05/06/bankruptcy-the-economy-a-valuable-session/#comments</comments>
		<pubDate>Thu, 06 May 2010 18:02:16 +0000</pubDate>
		<dc:creator>Alan Hochheiser</dc:creator>
				<category><![CDATA[Bankruptcy Court]]></category>
		<category><![CDATA[Bankruptcy Filings]]></category>
		<category><![CDATA[Chapter 11]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Cleveland Metropolitan Bar Association]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[seminar]]></category>
		<category><![CDATA[William J. O'Neill Regional Bankruptcy Institute]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=347</guid>
		<description><![CDATA[Cleveland, Ohio &#8211; May 6, 2010 The William J. O&#8217;Neill Regional Bankruptcy Institute, a part of the Cleveland Metropolitan Bar Association, is conducting a bankruptcy seminar offering an entertaining and comprehensive approach to the latest and best in the bankruptcy and insolvency arenas at the Marriott at Key Tower on May 12 and 13.  The [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/05/06/bankruptcy-the-economy-a-valuable-session/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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