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	<title>Bankruptcy Attorneys since 1997</title>
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	<link>http://www.losangelesbklaw.com</link>
	<description>We Helping Individuals get a Fresh Start</description>
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		<title>Glendale Debtors Confused by Bankruptcy Myths: What’s Real and What’s Not?</title>
		<link>http://www.losangelesbklaw.com/glendale-debtors-confused-bankruptcy-myths-whats-real-whats-not/</link>
		<comments>http://www.losangelesbklaw.com/glendale-debtors-confused-bankruptcy-myths-whats-real-whats-not/#comments</comments>
		<pubDate>Tue, 16 Apr 2013 22:00:47 +0000</pubDate>
		<dc:creator>arlene</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy exemption]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[consumer bankruptcy]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[discharge of taxes]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[unemployment]]></category>
		<category><![CDATA[Bankruptcy Help]]></category>
		<category><![CDATA[bankruptcy law]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[discharge]]></category>
		<category><![CDATA[financial stress]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9261</guid>
		<description><![CDATA[There are so many myths or false presumptions out there regarding bankruptcy that create undue confusion and anxiety for those facing debt.  Here are the most common bankruptcy myths dispelled:  I will lose all my property if I file Bankruptcy.  Bankruptcy is intended to help those facing financial hardship.  Taking away assets would do more <a href='http://www.losangelesbklaw.com/glendale-debtors-confused-bankruptcy-myths-whats-real-whats-not/' class='excerpt-more'>[...]</a>]]></description>
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		</item>
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		<title>How To Know If You Are Living Beyond Your Means</title>
		<link>http://www.losangelesbklaw.com/living-means/</link>
		<comments>http://www.losangelesbklaw.com/living-means/#comments</comments>
		<pubDate>Sat, 02 Mar 2013 21:23:18 +0000</pubDate>
		<dc:creator>arlene</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[improve credit]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[rebuild credit]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit limit]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[establish credit]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9250</guid>
		<description><![CDATA[Financial stability is built upon living within one’s means.  How does one know whether they are living within their means?  One easy test is if you are spending more than you’re making.  Here are some other important questions you should answer to know whether you are financial stable: 1.       Would you survive financially without your <a href='http://www.losangelesbklaw.com/living-means/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Where You Live Put You at Financial Risk?</title>
		<link>http://www.losangelesbklaw.com/live-put-financial-risk/</link>
		<comments>http://www.losangelesbklaw.com/live-put-financial-risk/#comments</comments>
		<pubDate>Mon, 11 Feb 2013 18:16:21 +0000</pubDate>
		<dc:creator>arlene</dc:creator>
				<category><![CDATA[consumer]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[improve credit]]></category>
		<category><![CDATA[rebuild credit]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit after bankruptcy]]></category>
		<category><![CDATA[Credit card debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[establish credit]]></category>
		<category><![CDATA[http://www.losangelesbklaw.com/wp-admin/post.php?post=9242&action=edit#]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9242</guid>
		<description><![CDATA[      Your city’s average credit score has an affect on your credit standing. A city’s credit score is influenced by such things as, the unemployment rate and foreclosures. City and metro areas with high credit       scores have the lowest credit risk. The city or metro scores indicate how individuals stack up compared to their neighbors. <a href='http://www.losangelesbklaw.com/live-put-financial-risk/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Only 1 in 10 consumers lured into debt settlement plans actually become debt free</title>
		<link>http://www.losangelesbklaw.com/10-consumers-lured-debt-settlement-plans-debt-free/</link>
		<comments>http://www.losangelesbklaw.com/10-consumers-lured-debt-settlement-plans-debt-free/#comments</comments>
		<pubDate>Thu, 22 Nov 2012 15:34:30 +0000</pubDate>
		<dc:creator>Roland Kedikian</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[debt settlement]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9223</guid>
		<description><![CDATA[I am often asked about the debt settlement or debt consolidation option prior to filing bankruptcy.  More than 500,000 Americans with $15 billion of debt are currently enrolled in debt settlement programs, according to industry estimates. Only a tiny proportion of debts are actually settled by these companies, clients are typically left worse off than <a href='http://www.losangelesbklaw.com/10-consumers-lured-debt-settlement-plans-debt-free/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Social Security Income excluded for Bankruptcy</title>
		<link>http://www.losangelesbklaw.com/social-security-income-excluded-bankruptcy/</link>
		<comments>http://www.losangelesbklaw.com/social-security-income-excluded-bankruptcy/#comments</comments>
		<pubDate>Sun, 28 Oct 2012 04:41:25 +0000</pubDate>
		<dc:creator>Roland Kedikian</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[Means Test]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9179</guid>
		<description><![CDATA[The means test is the test that determines whether a debtor qualifies for chapter 7 or must file chapter 13. In certain borderline situations, debtors that are receiving social security income may be mistakenly including the social security income in the means test calculation. Section 101(10A)(B) excludes Social Security income from a debtor’s Current Monthly <a href='http://www.losangelesbklaw.com/social-security-income-excluded-bankruptcy/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Can Wait, Some Things Are More Important.</title>
		<link>http://www.losangelesbklaw.com/bankruptcy-important/</link>
		<comments>http://www.losangelesbklaw.com/bankruptcy-important/#comments</comments>
		<pubDate>Fri, 24 Aug 2012 23:59:52 +0000</pubDate>
		<dc:creator>Roland Kedikian</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy timing]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9168</guid>
		<description><![CDATA[Its summer break time and that means a slow down for bankruptcy attorneys around the country. Traditionally there is about a 25% drop in traffic to the bankruptcy attorneys office during this time. As a bankruptcy attorney  since 1997, even I plan my vacation around this time if possible. So what does summer break have <a href='http://www.losangelesbklaw.com/bankruptcy-important/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Minimize Student Loans if Bankruptcy Potential Exists</title>
		<link>http://www.losangelesbklaw.com/minimize-student-loans-bankruptcy-potential-exists/</link>
		<comments>http://www.losangelesbklaw.com/minimize-student-loans-bankruptcy-potential-exists/#comments</comments>
		<pubDate>Sun, 12 Aug 2012 04:32:04 +0000</pubDate>
		<dc:creator>Roland Kedikian</dc:creator>
				<category><![CDATA[Student Loans]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9164</guid>
		<description><![CDATA[Are you facing a crushing student loan debt? You’re not alone. Did you know United States citizens face more than 1 trillion dollars in outstanding student debt? That’s a lot of loans, and the 2005 law that prevented borrowers from discharging their student loans in bankruptcy didn’t help resolve the issue. Generally student loans are <a href='http://www.losangelesbklaw.com/minimize-student-loans-bankruptcy-potential-exists/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Income, Assets and Timing are Factors that Can Affect Bankruptcy Filing</title>
		<link>http://www.losangelesbklaw.com/income-assets-timing-factors-affect-bankruptcy-filing/</link>
		<comments>http://www.losangelesbklaw.com/income-assets-timing-factors-affect-bankruptcy-filing/#comments</comments>
		<pubDate>Sun, 05 Aug 2012 16:01:58 +0000</pubDate>
		<dc:creator>Roland Kedikian</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy factors]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9160</guid>
		<description><![CDATA[Bankruptcy is always a though decision to make. Most debtors resort to bankruptcy as a last option to resolve their financial situation. While it takes time for this realization to sink in, 3 factors that affect most whether to file bankruptcy are, income, assets and timing. Income: A debtor&#8217;s income can be a factor in <a href='http://www.losangelesbklaw.com/income-assets-timing-factors-affect-bankruptcy-filing/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Can Discharge Business Debts, Means Test Does Not Apply</title>
		<link>http://www.losangelesbklaw.com/bankruptcy-business-debt-means-test/</link>
		<comments>http://www.losangelesbklaw.com/bankruptcy-business-debt-means-test/#comments</comments>
		<pubDate>Thu, 02 Aug 2012 23:21:58 +0000</pubDate>
		<dc:creator>Roland Kedikian</dc:creator>
				<category><![CDATA[business debts]]></category>
		<category><![CDATA[Means Test]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Business Debts]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9157</guid>
		<description><![CDATA[Often I get clients who have incurred huge amount of debt, over $150,000 in credit card debt, while trying to run their business. Usually these clients are concerned because they have to explain what happened to incur so much debt. the Magic words are &#8220;business debt.&#8221; Did you know that the means test, the test <a href='http://www.losangelesbklaw.com/bankruptcy-business-debt-means-test/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Reform Needed Now to Discharge Student Loans</title>
		<link>http://www.losangelesbklaw.com/bankruptcy-reform-needed-discharge-student-loans/</link>
		<comments>http://www.losangelesbklaw.com/bankruptcy-reform-needed-discharge-student-loans/#comments</comments>
		<pubDate>Mon, 30 Jul 2012 22:56:56 +0000</pubDate>
		<dc:creator>Roland Kedikian</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Student Loans]]></category>
		<guid isPermaLink="false">http://www.losangelesbklaw.com/?p=9153</guid>
		<description><![CDATA[Student loans, while might help students obtain an education, are inherently part of a capitalistic system whose primary objective is generating profit for their investors.  American consumers owe more than $150 billion in outstanding private student loan debt (department of education report). Some students who graduate with enormous amount of none dis-chargeable student loans are <a href='http://www.losangelesbklaw.com/bankruptcy-reform-needed-discharge-student-loans/' class='excerpt-more'>[...]</a>]]></description>
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		<slash:comments>0</slash:comments>
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