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	<title>Tampa, Clearwater, Saint Petersburg, Orlando Florida Bankruptcy Attorney Chapter 7 Chapter 13 &#187; Bankruptcy News</title>
	<link>http://www.floridabankruptcyattorneys.com</link>
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		<title>Florida Bankruptcy and Tax Attorney Explains How Bankruptcy Affects Tax Refunds and the Earned Income Tax Credit</title>
		<description><![CDATA[Florida Bankruptcy and Tax Attorney Explains How Bankruptcy Affects Tax Refunds and the Earned Income Tax Credit When filing for personal bankruptcy, the right to receive a tax refund usually becomes property of the estate. In some instances, the debtor may have a property interest in excessive withholding by an employer, which will become part [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/florida-bankruptcy-and-tax-attorney-explains-how-bankruptcy-affects-tax-refunds-and-the-earned-income-tax-credit/</link>
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		<title>How Debt Collectors Operate in Tampa, Saint Petersburg and Clearwater Florida</title>
		<description><![CDATA[How Debt Collectors Operate in Clearwater Florida Consumer Credit in the U.S. With outstanding consumer debt in the United States having doubled over the last twelve years to $2.5 Trillion in 2009, the collection industry has grown significantly. While the extent of serious delinquencies fluctuates with business cycles and unemployment, the typical default rate on [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/how-debt-collectors-operate-in-tampa-saint-petersburg-and-clearwater-florida/</link>
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		<title>Tampa Florida Attorney Pleads to Consumers: &#8220;Please Avoid Debt Settlement Scams&#8221;</title>
		<description><![CDATA[In the face of the current economic recession, debt settlement companies have sprung up throughout the Tampa Bay are and all over the rest of Florida and the nation, offering financially distressed families a reduction of their personal consumer debt. These companies, and occasionally less reputable law firms, say they will negotiate lower pay-offs by [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/tampa-florida-attorney-pleads-to-consumers-please-avoid-debt-settlement-scams/</link>
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		<title>Dear Debtors, Fear Not the 341 Meeting of Creditors? 341 Hearing Address</title>
		<description><![CDATA[Dear Debtors, Fear Not the 341 Meeting of Creditors? 341 Hearing Address Debtors who are considering filing for personal chapter 7 or chapter 13 bankruptcy in the Tampa Bay area are often concerned about their involvement at the required section 341(a) Meeting of Creditors. This article helps to address some of those concerns by providing [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/dear-debtors-fear-not-the-341-meeting-of-creditors/</link>
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		<title>Tampa Creditor Harassment Attorney Explains Potential Problems with Payday Loans</title>
		<description><![CDATA[Payday loans are usually sought out by consumers in Tampa Florida who have an immediate need for cash and whose payday is far away. There are many companies that do payday loans, but think Amscot, Advance America, even some pawn shops around the Tampa Bay area have been seen to do Cash Advances and Payday [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/tampa-creditor-harassment-attorney-explains-potential-problems-with-payday-loans/</link>
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		<title>Often Overlooked Expenses for Bankruptcy Schedule J</title>
		<description><![CDATA[OFTEN OVERLOOKED EXPENSES Bank charges (monthly checking account fees, ATM fees, overdraft fees, new check orders, online bill-pay fees, etc.) Home office supplies (computer, printer, toner, ink, paper, software, general office supplies, etc.) Tax return preparation fees Postage Other accounting fees Work expenses (including lunches and snacks) Ongoing legal fees and costs Parking, tolls Medical/hospital/vision/dental/specialist/physical therapy/chiropractor/mental health visits Job hunting (resumes, [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/often-overlooked-expenses-for-bankruptcy-schedule-j/</link>
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		<title>Trusts, Irrevocable Trusts, Spendthrift Trusts are they safe in Bankruptcy?</title>
		<description><![CDATA[Back when the new BAPCPA was passed in 2005 I co-wrote an article published by the American Bar Association with attorney Alan Gassman, that deals a lot with this issue.  That article can be found on my website here:  http://www.piklawgroup.com/how-the-2005-bankruptcy-abuse-prevention-and-consumer-protection-act-affects-planning-for-physicians-and-physician-practices/ I have met with many clients and have had other attorneys ask about whether or [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/trusts-irrevocable-trusts-spendthrift-trusts-are-they-safe-in-bankruptcy/</link>
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		<title>National Association of Consumer Bankruptcy Attorneys Principal Paydown Plan</title>
		<description><![CDATA[The National Association of Consumer Bankruptcy Attorney&#8217;s Principal Paydown Plan was recently lauded. While the plan is not new, it is time for consumers to be more aware of how this Plan might help them. NACBA strongly supports a cramdown process that would reduce principal balances owed on mortgages down to the values of the [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/national-association-of-consumer-bankruptcy-attorneys-principal-paydown-plan/</link>
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		<title>Principal Pay Down Plan is Credible and Promising</title>
		<description><![CDATA[The National Association of Consumer Bankruptcy Attorneys has been working on and trying to get put into action their &#8220;principal Paydown Plan&#8221; which is designed to help people in Chapter 13 from foreclosure. Recently members of Congress and the Director of Federal Housing Finance Agency cited the plan as being &#8220;Credible&#8221; and &#8220;Promising&#8221;. I have [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/principal-pay-down-plan-is-credible-and-promising/</link>
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		<title>Discharging Student Loan Debt</title>
		<description><![CDATA[I was recently inspired to write a blog about discharging student loans after some of my fellow law school comrades struck up a discussion concerning stimulating the economy by allowing student loans to be dischargeable.  Well they are, but only in true lawyer-like fashion – “in certain circumstances”.  Now let’s see what those circumstances are. [...]]]></description>
		<link>http://www.floridabankruptcyattorneys.com/discharging-student-loan-debt/</link>
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