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	<title>Wojtan, Vallone &#38; Melin Attorneys at Law&#187; Bankruptcy</title>
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	<description>Serving clients in Buffalo, Cheektowaga and throughout Western New York</description>
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		<title>US Bankruptcy Court &#8211; Buffalo Office</title>
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		<pubDate>Mon, 13 Jun 2011 16:28:28 +0000</pubDate>
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				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Courts]]></category>
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		<description><![CDATA[Buffalo Office Olympic Towers 300 Pearl St. Suite 250 Buffalo, NY 14202 (716) 362-3200 Calendars Chief Judge Bucki Judge Ninfo Judge Kaplan Calendar for Meeting of Creditors (341 Meetings) Map:]]></description>
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		<title>Chapter 13: Wage-Earner Plan</title>
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		<pubDate>Sat, 05 Sep 2009 22:52:04 +0000</pubDate>
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				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 13]]></category>

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		<description><![CDATA[Chapter 13 is designed for individuals with regular income who want to pay their debts but are unable to do so in a timely manner. The purpose of Chapter 13 is to enable financially distressed individual debtors to propose and carry out a repayment plan under which creditors are paid over an extended period of time.]]></description>
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		<title>Chapter 11: Reorganization</title>
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		<pubDate>Sat, 05 Sep 2009 21:58:41 +0000</pubDate>
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				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 11]]></category>

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		<description><![CDATA[While individuals may file a petition under Chapter 11, it is typically used to reorganize a business. As with all other chapters, a Chapter 11 case commences when a bankruptcy petition is filed with the bankruptcy court. ]]></description>
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		<title>Chapter 7 Liquidation in Plain English</title>
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		<pubDate>Sat, 29 Aug 2009 15:30:48 +0000</pubDate>
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				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>

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		<description><![CDATA[Under Chapter 7, sometimes known as a liquidation, a bankruptcy trustee gathers and sells the debtor's nonexempt assets, and uses the proceeds to pay holders of claims (creditors). In general, however, the majority of Chapter 7 cases are no-asset cases, in which the debtor has no available property for the trustee to sell.]]></description>
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		<title>Bankruptcy &#8211; General Concepts in Plain English</title>
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		<comments>http://www.wojtan.com/505/bankruptcy/bankruptcy-general-concepts-in-plain-english/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 14:56:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

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		<description><![CDATA[Bankruptcy is a legal procedure for dealing with the debt problems of individuals and businesses. This procedure is covered under Title 11 of the United States Code (the Bankruptcy Code). The vast majority of cases are filed under the three main chapters of the Bankruptcy Code, which are Chapter 7, Chapter 11, and Chapter 13.]]></description>
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		<title>Bankruptcy &#8211;  When all is gone, not all is lost</title>
		<link>http://www.wojtan.com/497/bankruptcy/bankruptcy-when-all-is-gone-not-all-is-lost/</link>
		<comments>http://www.wojtan.com/497/bankruptcy/bankruptcy-when-all-is-gone-not-all-is-lost/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 14:32:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Credit Counseling]]></category>

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		<description><![CDATA[Personal bankruptcy generally is considered the debt management option of last resort because the results are long lasting and far-reaching. A bankruptcy stays on your credit report for 10 years, and can make it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job. Still, it is a legal procedure that offers a fresh start for people who can't satisfy their debts.]]></description>
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		<title>Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education</title>
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		<pubDate>Sat, 29 Aug 2009 12:51:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Debtor Education]]></category>

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		<description><![CDATA[The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.]]></description>
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		<title>Glossary of Bankruptcy Legal Terms</title>
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		<comments>http://www.wojtan.com/474/bankruptcy/glossary-of-bankruptcy-legal-terms/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 12:43:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

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		<description><![CDATA[Most debtors who file a bankruptcy petition, and many of their creditors, know very little about the bankruptcy process. This glossary on bankruptcy terminology explains, in layman's terms, many of the legal terms that are used in cases filed under the Bankruptcy Code.]]></description>
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		<title>SCRA. Servicemembers&#8217; Civil Relief Act</title>
		<link>http://www.wojtan.com/467/bankruptcy/scra-servicemembers-civil-relief-act/</link>
		<comments>http://www.wojtan.com/467/bankruptcy/scra-servicemembers-civil-relief-act/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 12:01:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Servicemembers' Civil Relief Act]]></category>

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		<description><![CDATA[The Servicemembers' Civil Relief Act applies in bankruptcy cases. It provides protection to members of the military against the entry of default judgments and gives the court the ability to stay proceedings against military debtors.]]></description>
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		<title>Chapter 12  Family Farmer or Family Fisherman Bankruptcy</title>
		<link>http://www.wojtan.com/460/bankruptcy/chapter-12-family-farmer-or-family-fisherman-bankruptcy/</link>
		<comments>http://www.wojtan.com/460/bankruptcy/chapter-12-family-farmer-or-family-fisherman-bankruptcy/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 11:45:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 12]]></category>

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		<description><![CDATA[Chapter 12 is designed for "family farmers" or "family fishermen" with "regular annual income." It enables financially distressed family farmers and fishermen to propose and carry out a plan to repay all or part of their debts.]]></description>
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