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	<title>Mortgage Modification - Bankruptcy - Creative Financing &#187; Bankruptcy</title>
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	<link>http://mortgage-modification-attorney.com</link>
	<description>By James Robert Deal - Attorney</description>
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		<title>Bankruptcy &amp; Taxes</title>
		<link>http://mortgage-modification-attorney.com/bankruptcy-taxes/</link>
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		<pubDate>Wed, 18 Jan 2012 06:00:03 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

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		<description><![CDATA[What Can I Do When Bankruptcy Doesn’t Get Rid Of The Tax?  by Kent Anderson, Oregon Bankruptcy Attorney Bankruptcy can stop collection and eliminate tax debt in many situations. For more details on tax discharge see the article I wrote about Bankruptcy Tax Discharge on my personal site. While bankruptcy can be a very useful tool in [...]]]></description>
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		<title>Judgment Proof?</title>
		<link>http://mortgage-modification-attorney.com/are-you-judgment-proof/</link>
		<comments>http://mortgage-modification-attorney.com/are-you-judgment-proof/#comments</comments>
		<pubDate>Sat, 10 Jul 2010 06:56:05 +0000</pubDate>
		<dc:creator>jamesdeal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Garnishment]]></category>
		<category><![CDATA[Judgment Proof]]></category>

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		<description><![CDATA[Are you Judgment Proof? Surprisingly, the best approach for some people who are deeply in debt is to take no action at all. If you&#8217;re living simply (that is, with little income and property) and look forward to a similar life in the future, you may be judgment proof. This means that anyone who sues [...]]]></description>
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		<title>Modification Guidelines Effective June 1, 2010</title>
		<link>http://mortgage-modification-attorney.com/modification-guidelines-june-1-2010/</link>
		<comments>http://mortgage-modification-attorney.com/modification-guidelines-june-1-2010/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 06:58:46 +0000</pubDate>
		<dc:creator>James Robert Deal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Principal Reduction]]></category>
		<category><![CDATA[Unemployed]]></category>

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		<description><![CDATA[New guidelines effective June 1, 2010, clarify many modification issues. First, lenders may but are not required to reduce principal balances in a modification down to 115% of the principal balance owing.   Second, lenders may not foreclose on a borrower who is in the process of modification until after the borrower is declined and other [...]]]></description>
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		<title>FTC Wants To Prohibit Up-Front Fees</title>
		<link>http://mortgage-modification-attorney.com/ftc-wants-to-prohibit-up-front-fees/</link>
		<comments>http://mortgage-modification-attorney.com/ftc-wants-to-prohibit-up-front-fees/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 06:06:55 +0000</pubDate>
		<dc:creator>jamesdeal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[Modification is the Practice of Law]]></category>
		<category><![CDATA[Mortgage Modification]]></category>

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		<description><![CDATA[The Federal Trade Commission is up to no good. The FTC proposes to enact a regulation which will prohibit third-party modification providers, including attorneys, from charging advance fees. See: http://www.ftc.gov/opa/2010/02/mars.shtm for a summary of the proposed regulation. See http://edocket.access.gpo.gov/2010/2010-4651.htm for the full text of the proposed regulation. California passed a law forbidding all up-front fees on mortgage [...]]]></description>
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