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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>Sat, 12 May 2012 23:12:40 +0000</lastBuildDate>
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		<title>Bankruptcy Filings Down- Better Economy?</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/bankruptcy-filings-down-better-economy.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/bankruptcy-filings-down-better-economy.html#comments</comments>
		<pubDate>Sat, 12 May 2012 23:12:40 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[debtors]]></category>
		<category><![CDATA[filing fees]]></category>
		<category><![CDATA[legal fees]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=679</guid>
		<description><![CDATA[According to a report issued by the Administrative Office of the US Courts, bankruptcy filings were down 11.5 percent in 2011.  Yippee, the economy must be getting better!  Not so fast. As I have stated more than once on this blog, one of the purposes of the Bankruptcy Abuse Prevention and Consumer Protection Act of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Bankruptcy- Discharge-DWI</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/bankruptcy-discharge-dwi.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/bankruptcy-discharge-dwi.html#comments</comments>
		<pubDate>Sun, 01 Apr 2012 21:30:23 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Bergen County]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[DWI]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=675</guid>
		<description><![CDATA[Say on St. Patty&#8217;s day, you go to the parade in Hoboken (not this year); hoist a few; drive home and get into an accident.  Thank heavens, you did not kill anybody, but a couple of people were hurt and sue you.  Moreover, the Bergen County police (or Passaic County, take your pick) nail you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Chapter 13 and Good Faith</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/chapter-13-and-good-faith.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/chapter-13-and-good-faith.html#comments</comments>
		<pubDate>Thu, 15 Mar 2012 03:22:54 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[car loan]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[Fresh start]]></category>
		<category><![CDATA[good faith]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=672</guid>
		<description><![CDATA[Bankruptcy gives the honest debtor a fresh start.  We hear that often.  Bankruptcy courts are courts of equity.  Hear that too.  We also hear words like &#8220;good faith&#8221;, &#8220;fairness&#8221;, and &#8220;substance over form&#8221;.  These are not just empty platitudes but heart felt beliefs held by the court, trustees and a vast majority of practitioners. The [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Can I File a Second Chapter 7?</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/can-i-file-a-second-chapter-7.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/can-i-file-a-second-chapter-7.html#comments</comments>
		<pubDate>Wed, 22 Feb 2012 15:41:15 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[file Chapter 7 again]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=667</guid>
		<description><![CDATA[I have spoken with a number of people who are in a tough economic situation because of the ongoing recession.  The economy soured in 2008.  They were laid off in 2009, and have been on unemployment since then.  In the meanwhile, they have accumulated debt and fear legal action. Or have had judgments entered against [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>New Law = Costs Up w No Benefit</title>
		<link>http://bankruptcy.kevinhanlylaw.com/blog/new-law-costs-up-w-no-benefit.html#utm_source=feed&#038;utm_medium=feed&#038;utm_campaign=feed</link>
		<comments>http://bankruptcy.kevinhanlylaw.com/blog/new-law-costs-up-w-no-benefit.html#comments</comments>
		<pubDate>Mon, 13 Feb 2012 20:20:17 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[cost of bankruptcy]]></category>

		<guid isPermaLink="false">http://bankruptcy.kevinhanlylaw.com/?p=663</guid>
		<description><![CDATA[The New Bankruptcy Law (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005) was adopted by Congress after a decade of lobbying by banks and the credit card industry.  These groups argued that the Bankruptcy Code of 1978 allowed debtors who could afford to pay some of their debt off the hook by making Chapter [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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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>
		<item>
		<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>
		<wfw:commentRss>http://bankruptcy.kevinhanlylaw.com/blog/challenge-claims.html/feed</wfw:commentRss>
		<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>
		<item>
		<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>
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