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	<title>Vermont Bankruptcy Blog</title>
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	<description>Bankruptcy information for Vermonters by Michelle Kainen</description>
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		<title>Vermont Bankruptcy Blog</title>
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		<title>Chapters of Bankruptcy:  Chapter 7</title>
		<link>http://vermontbankruptcylawyer.wordpress.com/2010/03/13/chapters-of-bankruptcy-chapter-7/</link>
		<comments>http://vermontbankruptcylawyer.wordpress.com/2010/03/13/chapters-of-bankruptcy-chapter-7/#comments</comments>
		<pubDate>Sun, 14 Mar 2010 02:20:43 +0000</pubDate>
		<dc:creator>Michelle Kainen</dc:creator>
				<category><![CDATA[1]]></category>

		<guid isPermaLink="false">http://vermontbankruptcylawyer.wordpress.com/?p=29</guid>
		<description><![CDATA[A chapter 7 bankruptcy is often referred to as a &#8220;straight bankruptcy&#8221; or a &#8220;liquidation bankruptcy&#8221;.  In a chapter 7 bankruptcy someone is usually able to discharge credit card debt, medical bills, old utility bills, etc.  A common myth about Chapter 7 bankruptcy is that a bankruptcy trustee will sell all of your property.  That [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vermontbankruptcylawyer.wordpress.com&amp;blog=8646635&amp;post=29&amp;subd=vermontbankruptcylawyer&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Michelle Kainen</media:title>
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		<title>How much equity can I keep in my home if I file for bankruptcy?</title>
		<link>http://vermontbankruptcylawyer.wordpress.com/2010/02/27/how-much-equity-can-i-keep-in-my-home-if-i-file-for-bankruptcy/</link>
		<comments>http://vermontbankruptcylawyer.wordpress.com/2010/02/27/how-much-equity-can-i-keep-in-my-home-if-i-file-for-bankruptcy/#comments</comments>
		<pubDate>Sat, 27 Feb 2010 23:07:42 +0000</pubDate>
		<dc:creator>Michelle Kainen</dc:creator>
				<category><![CDATA[Consumer Bankruptcy]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[exempt]]></category>
		<category><![CDATA[exemption]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[residence]]></category>
		<category><![CDATA[vermont]]></category>

		<guid isPermaLink="false">http://vermontbankruptcylawyer.wordpress.com/2010/02/27/how-much-equity-can-i-keep-in-my-home-if-i-file-for-bankruptcy/</guid>
		<description><![CDATA[In order to answer this question, it&#8217;s important to first define what &#8220;equity&#8221; is. Equity is the difference between the value of your property and what is owed on it. For example, if your home is worth $150,000 and you owe $115,000 on it, then you have $35,000 in equity in your home. In most [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vermontbankruptcylawyer.wordpress.com&amp;blog=8646635&amp;post=24&amp;subd=vermontbankruptcylawyer&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Michelle Kainen</media:title>
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		<title>Why Doing Your Own Estate Planning Can Have Disasterous Results</title>
		<link>http://vermontbankruptcylawyer.wordpress.com/2010/02/23/why-doing-your-own-estate-planning-can-have-disasterous-results/</link>
		<comments>http://vermontbankruptcylawyer.wordpress.com/2010/02/23/why-doing-your-own-estate-planning-can-have-disasterous-results/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 04:26:12 +0000</pubDate>
		<dc:creator>Michelle Kainen</dc:creator>
				<category><![CDATA[Consumer Bankruptcy]]></category>

		<guid isPermaLink="false">http://vermontbankruptcylawyer.wordpress.com/?p=20</guid>
		<description><![CDATA[I am always amazed at the people who come into my office in need of bankruptcy help who have been placed on the title to real estate which belongs to a relative, often a parent.  I am told that this was an attemtp to avoid probate, and done without the guidance of an estate planning [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vermontbankruptcylawyer.wordpress.com&amp;blog=8646635&amp;post=20&amp;subd=vermontbankruptcylawyer&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Michelle Kainen</media:title>
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		<title>Credit After Bankruptcy</title>
		<link>http://vermontbankruptcylawyer.wordpress.com/2009/08/07/credit-after-bankruptcy/</link>
		<comments>http://vermontbankruptcylawyer.wordpress.com/2009/08/07/credit-after-bankruptcy/#comments</comments>
		<pubDate>Sat, 08 Aug 2009 03:26:58 +0000</pubDate>
		<dc:creator>Michelle Kainen</dc:creator>
				<category><![CDATA[Consumer Bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://vermontbankruptcylawyer.wordpress.com/?p=16</guid>
		<description><![CDATA[One of the questions my clients most frequently ask about is obtaining new credit after filing for bankruptcy. My first recommendation is that a solid plan of savings be established before worrying about credit. It&#8217;s much better to dip into a savings account to replace the broken refrigerator than to charge it on a credit [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vermontbankruptcylawyer.wordpress.com&amp;blog=8646635&amp;post=16&amp;subd=vermontbankruptcylawyer&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Michelle Kainen</media:title>
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		<title>The Hidden Consequences of Settling Your Debts</title>
		<link>http://vermontbankruptcylawyer.wordpress.com/2009/07/22/the-hidden-consequences-of-settling-your-debts/</link>
		<comments>http://vermontbankruptcylawyer.wordpress.com/2009/07/22/the-hidden-consequences-of-settling-your-debts/#comments</comments>
		<pubDate>Thu, 23 Jul 2009 02:33:44 +0000</pubDate>
		<dc:creator>Michelle Kainen</dc:creator>
				<category><![CDATA[Consumer Bankruptcy]]></category>
		<category><![CDATA[1099-C]]></category>
		<category><![CDATA[Cancellation of Debt]]></category>
		<category><![CDATA[Income]]></category>

		<guid isPermaLink="false">http://vermontbankruptcylawyer.wordpress.com/?p=8</guid>
		<description><![CDATA[You may have heard news stories about settling your credit card debt for substantially less than you owe. It is true that hungry creditors may agree to settle for as little as 30% of the debt. Those same creditors would file a 1099-C with the Internal Revenue Service for the 70% of the debt that they [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vermontbankruptcylawyer.wordpress.com&amp;blog=8646635&amp;post=8&amp;subd=vermontbankruptcylawyer&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Michelle Kainen</media:title>
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		<title>Can I get fired from my job if I file for bankruptcy?</title>
		<link>http://vermontbankruptcylawyer.wordpress.com/2009/07/20/can-i-get-fired-from-my-job-if-i-file-for-bankruptcy/</link>
		<comments>http://vermontbankruptcylawyer.wordpress.com/2009/07/20/can-i-get-fired-from-my-job-if-i-file-for-bankruptcy/#comments</comments>
		<pubDate>Mon, 20 Jul 2009 03:47:46 +0000</pubDate>
		<dc:creator>Michelle Kainen</dc:creator>
				<category><![CDATA[Consumer Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy job employ fire]]></category>

		<guid isPermaLink="false">http://vermontbankruptcylawyer.wordpress.com/?p=3</guid>
		<description><![CDATA[The answer to this question is &#8220;No&#8221;. The bankruptcy code makes it illegal for an employer to fire an employee if the employee files for bankruptcy. Many of my clients express this concern when they owe their employer for a loan that they will be discharging in their bankruptcy. This doesn&#8217;t mean that an employer [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=vermontbankruptcylawyer.wordpress.com&amp;blog=8646635&amp;post=3&amp;subd=vermontbankruptcylawyer&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Michelle Kainen</media:title>
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