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	<title>New Jersey (NJ) Bankruptcy Lawyer Kevin Hanly</title>
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	<link>http://bankruptcy.kevinhanlylaw.com</link>
	<description>New Jersey bankruptcy attorney Kevin Hanly represents Chapter 7 and 13 bankruptcy clients in northern NJ counties, including Hudson, Essex, Bergen, Passaic, Union, Morris, and Sussex County</description>
	<lastBuildDate>Mon, 30 Jan 2012 00:16:11 +0000</lastBuildDate>
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		<title>Chapter 13 and Taxes</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/chapter-13-and-taxes.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/chapter-13-and-taxes.html#comments</comments>
		<pubDate>Mon, 30 Jan 2012 00:16:11 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[long term debt]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=656</guid>
		<description><![CDATA[One on the advantages of Chapter 13 is that you can extend payments on long term debt.  Section 1322 (b)(2) allows a debtor to modify the rights of holders of secured claims (collateralized claims) other than claims secured only by a security interest in the debtor&#8217;s principal residence.  Section 1322 (b) (5) allows the debtor [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Just got a Job, Think about Bankruptcy</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/just-got-a-job-think-about-bankruptcy.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/just-got-a-job-think-about-bankruptcy.html#comments</comments>
		<pubDate>Mon, 16 Jan 2012 13:09:22 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[economic downturn]]></category>
		<category><![CDATA[garnishment]]></category>
		<category><![CDATA[judgment]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=650</guid>
		<description><![CDATA[Now, that my seem like a harsh title.  You may have spent an extended period on unemployment because of the prolonged economic downturn.  While you were on unemployment, you used up all your savings and went into debt.  You sent out hundreds of resumes and spent hours on the net looking for a job- even [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Challenge Claims</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/challenge-claims.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/challenge-claims.html#comments</comments>
		<pubDate>Sun, 15 Jan 2012 15:43:02 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[circumstantial evidence]]></category>
		<category><![CDATA[disputed claim]]></category>
		<category><![CDATA[POC]]></category>
		<category><![CDATA[proof of claim]]></category>
		<category><![CDATA[schedule]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=646</guid>
		<description><![CDATA[If you file a bankruptcy under Chapter 7 and the case has assets to distribute (not a no asset case) or you file a Chapter 13 case, creditors are required to file a proof of claim to participate in the bankruptcy. The burden is on the creditor to file before the bar date and provide [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Statistics</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/bankruptcy-statistics.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/bankruptcy-statistics.html#comments</comments>
		<pubDate>Tue, 10 Jan 2012 00:07:15 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[free consultation]]></category>
		<category><![CDATA[Fresh start]]></category>
		<category><![CDATA[unemployed]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=642</guid>
		<description><![CDATA[It appears that the economy is getting better.  On a national level, bankruptcy filings went from 132,173 in October, 2010 to 106,255 in October 2011.  This is a reduction of 19.6%.  In New Jersey, bankruptcy filings went from 3,511 to 2,995 over the same period of time.  That is a reduction of 14.7%.  Not as [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Know What You Are Getting Into</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/know-what-you-are-getting-into.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/know-what-you-are-getting-into.html#comments</comments>
		<pubDate>Mon, 02 Jan 2012 15:06:24 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[bankruptcy injunction]]></category>
		<category><![CDATA[expired debt]]></category>
		<category><![CDATA[moral obligation]]></category>
		<category><![CDATA[statute of limitations]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=624</guid>
		<description><![CDATA[Credit card debt is almost always discharged in bankruptcy.  That means that you do not have to pay the debt.  If a creditor tries to collect a credit card debt while the bankruptcy is pending, that is called a violation of the automatic stay.  If it happens after the bankruptcy discharge and close of the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Watch the Christmas spending</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/watch-the-christmas-spending.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/watch-the-christmas-spending.html#comments</comments>
		<pubDate>Sun, 11 Dec 2011 19:05:47 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[cash advance]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[dischargeable]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=619</guid>
		<description><![CDATA[Every year about this time, my bankruptcy practice slows down.  Why?  People are focused on the holidays and buying presents.  Then, in January and February, I get lots of calls for consultation.  Sort of like a last hurrah. Well my advice is that if you really want to file bankruptcy in January or February, then [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Student Loans- Hardship Discharge is Hard to Get</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/student-loans-hardship-discharge-is-hard-to-get.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/student-loans-hardship-discharge-is-hard-to-get.html#comments</comments>
		<pubDate>Wed, 05 Oct 2011 22:53:26 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[hardship]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=614</guid>
		<description><![CDATA[When the Code was changed back in the late 1970&#8242;s, a debtor could discharge a student loan if there was a hardship situation or if loan payments were due more than 5 years before the filing. Now, a debtor can only get a hardship discharge.  I tell all my clients that you have to be [...]]]></description>
		<wfw:commentRss>http://bankruptcy.kevinhanlylaw.com/blog/student-loans-hardship-discharge-is-hard-to-get.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Lien cannot be modified beyond end of Chapter 13 Plan</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/tax-lien-cannot-be-modified-beyond-end-of-chapter-13-plan.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/tax-lien-cannot-be-modified-beyond-end-of-chapter-13-plan.html#comments</comments>
		<pubDate>Sun, 04 Sep 2011 12:51:50 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[levy]]></category>
		<category><![CDATA[personal bankruptcy]]></category>
		<category><![CDATA[tax lien]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=603</guid>
		<description><![CDATA[Now, this is a little advanced.  You open your mail in Hackensack and have been hit with a Notice of Federal Tax Lien.  Not good because it applies to all your property and, more importantly, the collection agent is the IRS.  The one thing that you do not want is for the IRS to start [...]]]></description>
		<wfw:commentRss>http://bankruptcy.kevinhanlylaw.com/blog/tax-lien-cannot-be-modified-beyond-end-of-chapter-13-plan.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chapter 20 Bankruptcy</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/chapter-20-2.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/chapter-20-2.html#comments</comments>
		<pubDate>Mon, 22 Aug 2011 14:35:13 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 20]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[personal bankruptcy]]></category>
		<category><![CDATA[unsecured debt]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=547</guid>
		<description><![CDATA[Bankruptcy has its own language- sometimes quite colorful.  We have cram downs and strip offs.  Long before we talked about mortgages being underwater, underwater was a term used frequently in bankruptcy to determine whether a claim was secured or not. Another colorful term is Chapter 20.  Now, most consumers file under Chapter 7.  If your [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saturday Night&#8217;s all right for fightin&#8217;- except in bankruptcy</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/saturday-nights-all-right-for-fightin-except-in-bankruptcy.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/saturday-nights-all-right-for-fightin-except-in-bankruptcy.html#comments</comments>
		<pubDate>Sat, 13 Aug 2011 15:06:57 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[avoid bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[exceptions]]></category>
		<category><![CDATA[personal bankruptcy]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=543</guid>
		<description><![CDATA[The object of a consumer bankruptcy is to get a discharge of your debts.  That means that you do not have to pay them back.  The Code, however, has certain exceptions to discharge.  Among them is a debt for willful and malicious injury by the debtor to another person or the property of another person [...]]]></description>
		<wfw:commentRss>http://bankruptcy.kevinhanlylaw.com/blog/saturday-nights-all-right-for-fightin-except-in-bankruptcy.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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