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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's largest creditor'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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			<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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		<item>
		<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>Beth Schenz</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 two-day [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/05/06/bankruptcy-the-economy-a-valuable-session/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sixth Circuit Rules That Negative Equity Is Purchase Money</title>
		<link>http://wwrbankruptcy.com/2010/03/26/sixth-circuit-rules-that-negative-equity-is-purchase-money/</link>
		<comments>http://wwrbankruptcy.com/2010/03/26/sixth-circuit-rules-that-negative-equity-is-purchase-money/#comments</comments>
		<pubDate>Fri, 26 Mar 2010 17:00:19 +0000</pubDate>
		<dc:creator>David Yunghans</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Motor Vehicle]]></category>
		<category><![CDATA[6th Circuit Court]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[cramdown]]></category>
		<category><![CDATA[negative equity]]></category>
		<category><![CDATA[purchase money]]></category>
		<category><![CDATA[Sixth Circuit Court]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=330</guid>
		<description><![CDATA[On March 24, 2010 the Sixth Circuit Court of appeals which covers Ohio, Michigan, Kentucky, and Tennessee, in line with a recent decision in the Seventh and past decisions of the Second, Fourth, Fifth, Tenth, and Eleventh Circuit Courts of Appeal, ruled that negative equity is purchase money and cannot be crammed down through bankruptcy [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware of Chapter 13 Plans That Depend on HAMP Modification</title>
		<link>http://wwrbankruptcy.com/2010/03/25/beware-of-chapter-13-plans-that-depend-on-hamp-modification/</link>
		<comments>http://wwrbankruptcy.com/2010/03/25/beware-of-chapter-13-plans-that-depend-on-hamp-modification/#comments</comments>
		<pubDate>Thu, 25 Mar 2010 18:15:51 +0000</pubDate>
		<dc:creator>Monette Cope</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Homeowners Affordable Modification Program]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Affidavid of Hardship]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[modification]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Request for Modification]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=327</guid>
		<description><![CDATA[The bills in both the House and Senate which would have allowed bankruptcy judges to modify the terms of certain mortgages died long ago.  However, one prominent Chapter 13 bankruptcy trustee is promoting his own version of reform by promoting the use of HAMP (Homeowners Affordable Modification Program) in concert with a Chapter 13 bankruptcy.  [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/03/25/beware-of-chapter-13-plans-that-depend-on-hamp-modification/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pandora’s Box Opens:  Chapter 13 Plans May Be Final Even If Contrary to the Bankruptcy Code</title>
		<link>http://wwrbankruptcy.com/2010/03/24/pandora%e2%80%99s-box-opens-chapter-13-plans-may-be-final-even-if-contrary-to-the-bankruptcy-code/</link>
		<comments>http://wwrbankruptcy.com/2010/03/24/pandora%e2%80%99s-box-opens-chapter-13-plans-may-be-final-even-if-contrary-to-the-bankruptcy-code/#comments</comments>
		<pubDate>Wed, 24 Mar 2010 15:53:18 +0000</pubDate>
		<dc:creator>Beth Schenz</dc:creator>
				<category><![CDATA[Bankruptcy Filings]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Federal Rules of Bankruptcy Procedure]]></category>
		<category><![CDATA[11 U.S.C. 523(a)(8)]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Code]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[Federal Rule 60(b)(4)]]></category>
		<category><![CDATA[student loan debt]]></category>
		<category><![CDATA[student loan exception]]></category>
		<category><![CDATA[Supreme Court decision]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=322</guid>
		<description><![CDATA[By Beth Ann Schenz, Esq. and Milan Kubat, Esq.
The Supreme Court admits that its decision from March 23, 2010, “is potential for bad-faith litigation tactics” by debtors. 
The Facts
A Chapter 13 debtor listed his student loan debt in his plan.  In the Chapter 13 plan, the debtor proposed to repay only the principal while the remainder [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/03/24/pandora%e2%80%99s-box-opens-chapter-13-plans-may-be-final-even-if-contrary-to-the-bankruptcy-code/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Filings Continue to Rise</title>
		<link>http://wwrbankruptcy.com/2010/03/23/bankruptcy-filings-continue-to-rise/</link>
		<comments>http://wwrbankruptcy.com/2010/03/23/bankruptcy-filings-continue-to-rise/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 14:06:05 +0000</pubDate>
		<dc:creator>Alan Hochheiser</dc:creator>
				<category><![CDATA[Bankruptcy Filings]]></category>
		<category><![CDATA[Chapter 11]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[11th Circuit]]></category>
		<category><![CDATA[6th Circuit]]></category>
		<category><![CDATA[9th Circuit]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[increase]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=316</guid>
		<description><![CDATA[2009 brought us increased bankruptcy filings. The number of filings approached the levels of 2004. 2009 saw 1.4 million consumer filings. Approximately 71% of the filings were Chapter 7’s and 28% were Chapter 13’s. Less than 1% were Chapter 11 filings.  The first two months of 2010 has seen a continuation in the increased number [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/03/23/bankruptcy-filings-continue-to-rise/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Some Amounts Used in the Bankruptcy Code Are Adjusted Every Three Years</title>
		<link>http://wwrbankruptcy.com/2010/03/16/some-amounts-used-in-the-bankruptcy-code-are-adjusted-every-three-years/</link>
		<comments>http://wwrbankruptcy.com/2010/03/16/some-amounts-used-in-the-bankruptcy-code-are-adjusted-every-three-years/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 20:41:05 +0000</pubDate>
		<dc:creator>Jack Day</dc:creator>
				<category><![CDATA[Bankruptcy Court]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy fees 2010]]></category>
		<category><![CDATA[commercial debts]]></category>
		<category><![CDATA[consumer debts]]></category>
		<category><![CDATA[non dischargeability]]></category>
		<category><![CDATA[secured debt]]></category>
		<category><![CDATA[unsecured debts]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=312</guid>
		<description><![CDATA[Some of the amounts used in the United States Bankruptcy Code are adjusted triennially according to the Consumer Price Index for All Urban Consumers published by the United States Department of Labor. The Administrative Office of the United States Courts announced the new figures that will be used starting April 1, 2010.
Some of the changes [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/03/16/some-amounts-used-in-the-bankruptcy-code-are-adjusted-every-three-years/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Bankruptcy Relief from Stay Forms to Take Effect in Northern District of Ohio</title>
		<link>http://wwrbankruptcy.com/2010/02/26/new-bankruptcy-relief-from-stay-forms-to-take-effect-in-northern-district-of-ohio/</link>
		<comments>http://wwrbankruptcy.com/2010/02/26/new-bankruptcy-relief-from-stay-forms-to-take-effect-in-northern-district-of-ohio/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 12:00:37 +0000</pubDate>
		<dc:creator>Scott Fink</dc:creator>
				<category><![CDATA[Bankruptcy Filings]]></category>
		<category><![CDATA[Chapter 11]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[motions for relief from stay]]></category>
		<category><![CDATA[Northern District of Ohio]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=301</guid>
		<description><![CDATA[On February 23, 2010, it was announced that the Bankruptcy Court for the Northern District of Ohio will begin utilizing new forms for the filing of Relief from Stay Motions in Chapter 7, Chapter 13 and Chapter 11.  The forms will need to be used for any motions filed on or after April 1, 2010.
The [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/02/26/new-bankruptcy-relief-from-stay-forms-to-take-effect-in-northern-district-of-ohio/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chapter 13 Trustees in the Southern District of Ohio Requiring Secured Debt Payments Through The Plan</title>
		<link>http://wwrbankruptcy.com/2010/02/03/chapter-13-trustees-in-the-southern-district-of-ohio-requiring-secured-debt-payments-through-the-plan/</link>
		<comments>http://wwrbankruptcy.com/2010/02/03/chapter-13-trustees-in-the-southern-district-of-ohio-requiring-secured-debt-payments-through-the-plan/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 22:25:02 +0000</pubDate>
		<dc:creator>David Yunghans</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[car loans]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[secured debts]]></category>
		<category><![CDATA[Southern District of Ohio]]></category>
		<category><![CDATA[vehicle payments]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=281</guid>
		<description><![CDATA[In the Southern District of Ohio, bankruptcy courts are now requiring debtors that file a Chapter 13 bankruptcy to pay secured debts through their bankruptcy plan.  Ordinarily, debtors have the option to pay these debts outside or inside the plan as a conduit payment.
Chapter 13 trustees in the Southern District of Ohio adopted a new [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2010/02/03/chapter-13-trustees-in-the-southern-district-of-ohio-requiring-secured-debt-payments-through-the-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Has Mortgage Cramdown Died Its Final Death?</title>
		<link>http://wwrbankruptcy.com/2009/12/17/has-mortgage-cramdown-died-its-final-death/</link>
		<comments>http://wwrbankruptcy.com/2009/12/17/has-mortgage-cramdown-died-its-final-death/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 17:03:24 +0000</pubDate>
		<dc:creator>Monette Cope</dc:creator>
				<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[cram down]]></category>

		<guid isPermaLink="false">http://wwrbankruptcy.com/?p=278</guid>
		<description><![CDATA[The House on December 11, 2009 rejected an amendment to the Wall Street Reform and Protection Act of 2009 that would allow mortgage cramdowns in Chapter 13 bankruptcies.  The surprise is that this is the same amendment that the House passed earlier this year.  This time it was defeated by a vote of 241 to [...]]]></description>
		<wfw:commentRss>http://wwrbankruptcy.com/2009/12/17/has-mortgage-cramdown-died-its-final-death/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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