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	<title>Wojtan, Vallone &#38; Melin Attorneys at Law &#187; Chapter 13</title>
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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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		<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>Bankruptcy &#8211;  When all is gone, not all is lost</title>
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		<pubDate>Sat, 29 Aug 2009 14:32:50 +0000</pubDate>
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				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></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>Chapter 13 Individual Debt Adjustment</title>
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		<pubDate>Sat, 29 Aug 2009 01:32:38 +0000</pubDate>
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		<category><![CDATA[Chapter 13]]></category>

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		<description><![CDATA[The chapter of the Bankruptcy Code providing for adjustment of debts of an individual with regular income. (Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years.)]]></description>
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