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	<title>Wojtan, Vallone &#38; Melin Attorneys at Law &#187; Credit Counseling</title>
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	<description>Serving clients in Buffalo, Cheektowaga and throughout Western New York</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>
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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>
		<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>
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				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Counseling]]></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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