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	<title>Consumer Law Updates</title>
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	<description>All the things no one has asked me about -- yet.</description>
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		<title>Consumer Law Updates</title>
		<link>http://dowlinglawoffice.wordpress.com</link>
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		<item>
		<title>Mortgage Modifications and Dashed Hopes</title>
		<link>http://dowlinglawoffice.wordpress.com/2009/11/19/mortgage-modifications-and-dashed-hopes/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2009/11/19/mortgage-modifications-and-dashed-hopes/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 15:00:10 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Mortgages and Foreclosure]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=190</guid>
		<description><![CDATA[I get a lot of calls from people trying to get some kind of mortgage modification done who are confused by the process.  I tell them to get in line.  They seem to think I&#8217;m supposed to know all the answers and have a magic guidebook telling me how to force a mortgage servicer to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=190&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
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		<title>The Automatic Stay Protects WHAT????</title>
		<link>http://dowlinglawoffice.wordpress.com/2009/08/18/the-automatic-stay-protects-what/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2009/08/18/the-automatic-stay-protects-what/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 03:54:10 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=188</guid>
		<description><![CDATA[You don&#8217;t have to hang around the Bankruptcy Court long to figure out a few things about the automatic stay.  After all, it is a pretty simple concept.  The Automatic stay goes into effect automatically upon the filing of a Bankruptcy and it stays (meaning temporarily stops) all collection activity against the Debtor or property [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=188&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2009/08/18/the-automatic-stay-protects-what/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Creditors Have to Play by SOME Rules</title>
		<link>http://dowlinglawoffice.wordpress.com/2009/07/16/creditors-have-to-play-by-some-rules/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2009/07/16/creditors-have-to-play-by-some-rules/#comments</comments>
		<pubDate>Thu, 16 Jul 2009 19:40:37 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=185</guid>
		<description><![CDATA[The Tenth Circuit handed down a decision two days ago reversing its Bankruptcy Appellate Panel and basically finding that at least some rules really do apply to creditors.  Imagine that.
The facts have become routine in virtually every Bankruptcy case in which assets are to be distributed to creditors (i.e. every chapter 13 and some chapter [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=185&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
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		<slash:comments>2</slash:comments>
	
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		<title>Medical Bills and Credit Cards</title>
		<link>http://dowlinglawoffice.wordpress.com/2009/07/09/medical-bills-and-credit-cards/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2009/07/09/medical-bills-and-credit-cards/#comments</comments>
		<pubDate>Thu, 09 Jul 2009 16:36:26 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Consumer Credit]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=181</guid>
		<description><![CDATA[CNN seems to think that paying medical expenses with credit cards is a new thing.  (Can&#8217;t Pay Your Doctor?  Charge It!)  They should have talked to a bankruptcy lawyer.   Anybody who thinks the credit card debt in this country was racked up on soccer shoes and restaurant meals, needs to take another look.  Elderly clients [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=181&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Consumer Debt Levels</title>
		<link>http://dowlinglawoffice.wordpress.com/2009/07/07/consumer-debt-levels/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2009/07/07/consumer-debt-levels/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 16:44:00 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Consumer Credit]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=179</guid>
		<description><![CDATA[USA Today has an article on consumer debt levels.   Basically, consumer debt isn&#8217;t going anywhere fast.  In 2008 household debt totaled $13.9 trillion.  That was almost double the 2000 levels.  In 2009 &#8211;  after the collapse of the credit bubble, banks cutting back lending, tightening of lending standards &#8212; you know, after the last year [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=179&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Small Business Bankruptcies</title>
		<link>http://dowlinglawoffice.wordpress.com/2009/07/01/small-business-bankruptcies/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2009/07/01/small-business-bankruptcies/#comments</comments>
		<pubDate>Wed, 01 Jul 2009 15:22:12 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=174</guid>
		<description><![CDATA[USAToday just ran an interesting article on small business bankruptcies.  This article makes several interesting points about the rising numbers of small business failures and the impact that will have on the economy.  What I think the article misses is that you cannot track the failure of really small busineses through the bankruptcy courts &#8212; [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=174&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2009/07/01/small-business-bankruptcies/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Court Slaps Legal Assistant Directly</title>
		<link>http://dowlinglawoffice.wordpress.com/2009/06/23/court-slaps-legal-assistant-directly/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2009/06/23/court-slaps-legal-assistant-directly/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 16:24:50 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=169</guid>
		<description><![CDATA[The Bankruptcy Court for the E.D. of New York handed down  a very unusual opinion early this month.  If you are interested the case is  Adams v. Giordano, et al. (In re:  Clarke, et al), Adv. No. 08-8133.  As far as I can figure out from the opinion, an attorney hired a contract legal assistant [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=169&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2009/06/23/court-slaps-legal-assistant-directly/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Today I Have Hope for Real Bankruptcy Reform</title>
		<link>http://dowlinglawoffice.wordpress.com/2009/01/20/today-i-have-hope-for-real-bankruptcy-reform/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2009/01/20/today-i-have-hope-for-real-bankruptcy-reform/#comments</comments>
		<pubDate>Tue, 20 Jan 2009 17:33:38 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Consumer Credit]]></category>
		<category><![CDATA[Mortgages and Foreclosure]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=155</guid>
		<description><![CDATA[Today, I have hope.
On January 6, 2009 Sen. Dick Durbin intruduced Senate bill 61, known as the Helping Families Save Their Homes in Bankruptcy Act.  Identical legislation has been introduced in the House by John Conyers.  One of the objectives of this legislation is to give home owners the same ability to modify [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=155&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2009/01/20/today-i-have-hope-for-real-bankruptcy-reform/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Getting Paid by the U.S. Trustee</title>
		<link>http://dowlinglawoffice.wordpress.com/2008/11/18/getting-paid-by-the-us-trustee/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2008/11/18/getting-paid-by-the-us-trustee/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 07:56:59 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[consumer law]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=149</guid>
		<description><![CDATA[I love reading opinions where the winning attorney had way more in the guts category than I do.  Dennis Feld, a fellow NACBA member from New Mexico, has just gotten a written opinion out of the Bankruptcy Court in New Mexico to the extent that a withdrawal of a 707(b) motion by the U.S. Trustee [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=149&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2008/11/18/getting-paid-by-the-us-trustee/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>Discharge Violations</title>
		<link>http://dowlinglawoffice.wordpress.com/2008/11/17/discharge-violations/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2008/11/17/discharge-violations/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 07:16:06 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=147</guid>
		<description><![CDATA[Countrywide has just been spanked to the tune of $55,000 for a discharge violation involving a mortgage.  Debtor&#8217;s counsel is providing the details here. The basic facts are that Debtor filed a Chapter 7, did not reaffirm the mortgage, received discharge, surrendered the property and then got harassed (pretty endlessly from the looks of things) [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&blog=862498&post=147&subd=dowlinglawoffice&ref=&feed=1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2008/11/17/discharge-violations/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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