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	<title>California Bankruptcy Blog</title>
	<atom:link href="http://www.socaladvocates.com/blog/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.socaladvocates.com/blog</link>
	<description>Chapter 7 and 13 Bankruptcy Information</description>
	<lastBuildDate>Mon, 16 Apr 2012 04:49:54 +0000</lastBuildDate>
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		<title>Can I Discharge Income Taxes in A Chapter 7 Bankruptcy?</title>
		<link>http://www.socaladvocates.com/blog/discharge-taxes-chapter-7-bankruptcy/</link>
		<comments>http://www.socaladvocates.com/blog/discharge-taxes-chapter-7-bankruptcy/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 22:17:42 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Non-Dischargeable]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[discharge federal taxes bankruptcy]]></category>
		<category><![CDATA[discharge income taxes]]></category>
		<category><![CDATA[discharge state taxes bankruptcy]]></category>
		<category><![CDATA[discharge taxes]]></category>
		<category><![CDATA[discharge taxes bankruptcy]]></category>
		<category><![CDATA[eliminate income tax bankruptcy]]></category>
		<category><![CDATA[eliminate taxes]]></category>
		<category><![CDATA[get rid of taxes bankruptcy]]></category>
		<category><![CDATA[reduce taxes bankruptcy]]></category>
		<category><![CDATA[remove taxes bankruptcy]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=479</guid>
		<description><![CDATA[If you owe income taxes, especially on more than one tax year, or you owe a large amount, Chapter 13 is often the better way to go. But you CAN also write off (“discharge”) certain income taxes with a straightforward Chapter 7 filing. To do so, however, the tax debt that you are trying to [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/discharge-taxes-chapter-7-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Effect of Recent Prior Bankruptcy Filings on the “Automatic Stay”</title>
		<link>http://www.socaladvocates.com/blog/prior-bankruptcy-automatic-stay/</link>
		<comments>http://www.socaladvocates.com/blog/prior-bankruptcy-automatic-stay/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 19:22:10 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Automatic Stay]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[11 usc 362]]></category>
		<category><![CDATA[30 day automatic stay]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[automatic stay bankruptcy]]></category>
		<category><![CDATA[automatic stay previous bankruptcy]]></category>
		<category><![CDATA[automatic stay prior bankruptcy]]></category>
		<category><![CDATA[prior bankruptcy]]></category>
		<category><![CDATA[repeat filing]]></category>
		<category><![CDATA[serial filer]]></category>
		<category><![CDATA[serial filing chapter 7 bankruptcy]]></category>
		<category><![CDATA[terminated automatic stay]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=472</guid>
		<description><![CDATA[The automatic stay protects you and your property from your creditors when you file bankruptcy. This is one of the most important benefits of filing bankruptcy. But if you filed a previous bankruptcy case or two which were dismissed (closed without being completed), your new bankruptcy case may lose that crucial protection. The automatic stay [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/prior-bankruptcy-automatic-stay/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Happens to My Tax Refund in a Chapter 7 Bankruptcy?</title>
		<link>http://www.socaladvocates.com/blog/tax-refund-chapter-7/</link>
		<comments>http://www.socaladvocates.com/blog/tax-refund-chapter-7/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 06:19:44 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Assets]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[bankruptcy after tax refund]]></category>
		<category><![CDATA[bankruptcy and tax refund]]></category>
		<category><![CDATA[bankruptcy effect on tax refund]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[bankruptcy income tax refund]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy and tax refund]]></category>
		<category><![CDATA[income tax refund]]></category>
		<category><![CDATA[keep refund]]></category>
		<category><![CDATA[keep refund in bankruptcy]]></category>
		<category><![CDATA[keep tax refund in Chapter 7 bankruptcy]]></category>
		<category><![CDATA[tax refund]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=462</guid>
		<description><![CDATA[Holding on to your 2011 IRS and California tax refunds when you’re filing a Chapter 7 bankruptcy is a matter of careful timing and tactics. In most cases we can help you keep your refunds, but we have to work closely together to make that happen. Be aware that when your Chapter 7 bankruptcy is [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/tax-refund-chapter-7/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Remove A Homeowners Assocation Lien from Your Home?</title>
		<link>http://www.socaladvocates.com/blog/remove-homeowners-assocation-lien/</link>
		<comments>http://www.socaladvocates.com/blog/remove-homeowners-assocation-lien/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 07:45:32 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[avoid HOA lien]]></category>
		<category><![CDATA[avoid homeowners association lien]]></category>
		<category><![CDATA[Condo Lien]]></category>
		<category><![CDATA[eliminate HOA lien]]></category>
		<category><![CDATA[HOA lien]]></category>
		<category><![CDATA[HOA lien California]]></category>
		<category><![CDATA[HOA Lien Foreclosure]]></category>
		<category><![CDATA[hoa liens foreclosure california]]></category>
		<category><![CDATA[homeowners associaton lien]]></category>
		<category><![CDATA[remove HOA lien]]></category>
		<category><![CDATA[stop HOA foreclosure]]></category>
		<category><![CDATA[stop HOA lien]]></category>
		<category><![CDATA[stop homeowners association lien]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=449</guid>
		<description><![CDATA[Many homeowners in California are facing growing problems in trying to not only keep up with their mortgage but their monthly homeowners association payments.  In California, a homeowners association can exercise the right to place a lien on your home for past due HOA fees. A homeowners association can eventually foreclose on a property for [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/remove-homeowners-assocation-lien/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How Long Do I Have to Respond to the Lawsuit from My Credit Card?</title>
		<link>http://www.socaladvocates.com/blog/respond-to-lawsuit/</link>
		<comments>http://www.socaladvocates.com/blog/respond-to-lawsuit/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 15:30:34 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bank of america credit card lawsuit]]></category>
		<category><![CDATA[can you be sued for credit card debt]]></category>
		<category><![CDATA[can you be sued for mastercard debt]]></category>
		<category><![CDATA[capital one credit card lawsuit]]></category>
		<category><![CDATA[chase credit card lawsuit]]></category>
		<category><![CDATA[citibank credit card lawsuit]]></category>
		<category><![CDATA[credit card lawsuit]]></category>
		<category><![CDATA[credit card lawsuit california]]></category>
		<category><![CDATA[fight credit card lawsuit]]></category>
		<category><![CDATA[how to answer credit card lawsuit]]></category>
		<category><![CDATA[mastercard lawsuit]]></category>
		<category><![CDATA[respond to lawsuit]]></category>
		<category><![CDATA[respond to summons from credit card]]></category>
		<category><![CDATA[Sued by credit card company]]></category>
		<category><![CDATA[visa lawsuit]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=437</guid>
		<description><![CDATA[Failure to make payments on your credit cards or personal loans can result in a creditor filing a lawsuit to collect on the money owed. After the creditor files the case in court, he will serve you with a copy of the summons and complain. In California, the summons provides you information on the time [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/respond-to-lawsuit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Bankruptcy Stop An Eviction?</title>
		<link>http://www.socaladvocates.com/blog/bankruptcy-stop-eviction/</link>
		<comments>http://www.socaladvocates.com/blog/bankruptcy-stop-eviction/#comments</comments>
		<pubDate>Sun, 20 Nov 2011 09:38:54 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bankruptcy and eviction]]></category>
		<category><![CDATA[bankruptcy tenant eviction]]></category>
		<category><![CDATA[can bankruptcy delay eviction]]></category>
		<category><![CDATA[can bankruptcy stop eviction]]></category>
		<category><![CDATA[chapter 13 bankruptcy eviction]]></category>
		<category><![CDATA[chapter 7 bankruptcy eviction]]></category>
		<category><![CDATA[eviction during bankruptcy]]></category>
		<category><![CDATA[remove eviction bankruptcy]]></category>
		<category><![CDATA[stop eviction]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=411</guid>
		<description><![CDATA[Can Filing f or Bankruptcy Help You Stop An Eviction? If you are facing a possible eviction from your home or apartment then filing for bankruptcy can stop the eviction process in most circumstances and provide you with some additional time.  When you file for bankruptcy the automatic stay begins which stops most judicial proceedings [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/bankruptcy-stop-eviction/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does My Husband/Wife Have to File Bankruptcy with Me?</title>
		<link>http://www.socaladvocates.com/blog/does-my-spouse-have-to-file-bankruptcy-with-me/</link>
		<comments>http://www.socaladvocates.com/blog/does-my-spouse-have-to-file-bankruptcy-with-me/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 05:35:57 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[Marriage]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[can one spouse file for bankruptcy]]></category>
		<category><![CDATA[does my spouse have to file bankruptcy]]></category>
		<category><![CDATA[does my wife have to file bankruptcy]]></category>
		<category><![CDATA[file bankruptcy separtely]]></category>
		<category><![CDATA[file bankruptcy while married]]></category>
		<category><![CDATA[joint bankruptcy with spouse]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=392</guid>
		<description><![CDATA[Once of the biggest concerns for married couples is: Does my spouse have to file bankruptcy with me? Do we have to file bankruptcy together? The answer is: No there is no requirement that married couples file bankruptcy together. Your wife or husband can file bankruptcy individually. Whether it is advisable that you file for [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/does-my-spouse-have-to-file-bankruptcy-with-me/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Eliminate a Tax Lien in Bankruptcy?</title>
		<link>http://www.socaladvocates.com/blog/eliminate-tax-lien/</link>
		<comments>http://www.socaladvocates.com/blog/eliminate-tax-lien/#comments</comments>
		<pubDate>Sun, 23 Oct 2011 07:47:03 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Asset Protection]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Non-Dischargeable]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[cram down tax lien]]></category>
		<category><![CDATA[cure tax lien]]></category>
		<category><![CDATA[eliminate tax lien]]></category>
		<category><![CDATA[eliminate tax lien bankruptcy]]></category>
		<category><![CDATA[federal tax lien]]></category>
		<category><![CDATA[federal tax lien bankruptcy]]></category>
		<category><![CDATA[reduce income tax lien]]></category>
		<category><![CDATA[reduce tax lien]]></category>
		<category><![CDATA[remove federal tax lien]]></category>
		<category><![CDATA[remove state tax lien]]></category>
		<category><![CDATA[remove tax lien]]></category>
		<category><![CDATA[resolve tax lien]]></category>
		<category><![CDATA[tax lien]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=376</guid>
		<description><![CDATA[Not being able to pay federal or state income taxes can lead the IRS or the state to place a tax lien on your real property and  personal property.  Filing for bankruptcy can help in many situations resolve the issues and consequences that can result from having a tax lien placed on your personal or [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/eliminate-tax-lien/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should I Modify My Home Loan Before or After Filing for Bankruptcy?</title>
		<link>http://www.socaladvocates.com/blog/loan-modification-chapter-7-bankruptcy/</link>
		<comments>http://www.socaladvocates.com/blog/loan-modification-chapter-7-bankruptcy/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 07:45:56 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loan modification and bankruptcy]]></category>
		<category><![CDATA[modify loan]]></category>
		<category><![CDATA[modify loan and bankruptcy]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=360</guid>
		<description><![CDATA[When filing for Chapter 7 bankruptcy, one of the common questions I run across with clients is whether they should complete a loan modification prior to filing for bankruptcy or after. The answer to this question depends on your particular factual situation and whether completing a loan modification prior to filing for Chapter 7 bankruptcy, [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/loan-modification-chapter-7-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Using Chapter 13 Bankruptcy to Repay Your Student Loans</title>
		<link>http://www.socaladvocates.com/blog/chapter-13-repay-student-loans/</link>
		<comments>http://www.socaladvocates.com/blog/chapter-13-repay-student-loans/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 08:16:43 +0000</pubDate>
		<dc:creator>Norma Duenas</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Non-Dischargeable]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[bankruptcy and private student loans]]></category>
		<category><![CDATA[bankruptcy and student loans]]></category>
		<category><![CDATA[bankruptcy student loan default]]></category>
		<category><![CDATA[chapter 13 and student loans]]></category>
		<category><![CDATA[chapter 13 and student loans dischargeable]]></category>
		<category><![CDATA[chapter 13 bankruptcy student loan]]></category>
		<category><![CDATA[chapter 13 private student loans]]></category>
		<category><![CDATA[chapter 13 repay student loan]]></category>
		<category><![CDATA[chapter 20 bankruptcy]]></category>
		<category><![CDATA[debt consolidation student loan]]></category>
		<category><![CDATA[discharge student loans]]></category>
		<category><![CDATA[filing bankruptcy student loan]]></category>
		<category><![CDATA[student loan debt]]></category>
		<category><![CDATA[undue hardship]]></category>

		<guid isPermaLink="false">http://www.socaladvocates.com/blog/?p=350</guid>
		<description><![CDATA[Student loan repayments can be overwhelming, especially when the monthly payment looks more like a mortgage payment. Many people who are graduating from school are finding themselves with huge student loans, and in jobs that do not offer enough income to meet their necessities and also cover the monthly student loan payments. Although there are [...]]]></description>
		<wfw:commentRss>http://www.socaladvocates.com/blog/chapter-13-repay-student-loans/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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