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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>Why How Your Insurance Company Pays Claims Should Matter</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/07/23/why-how-your-insurance-company-pays-claims-should-matter/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/07/23/why-how-your-insurance-company-pays-claims-should-matter/#comments</comments>
		<pubDate>Fri, 23 Jul 2010 18:35:27 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[car insurance]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=335</guid>
		<description><![CDATA[Ok, this isn&#8217;t my usual debt related kind of post; but here goes. Wednesday night I was rear-ended at a stop light on the NW Expressway.  In all honesty it was more understandable than that.  The sun was in just the wrong place to see the light change.  Nonetheless, I stopped; the woman behind me [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=335&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2010/07/23/why-how-your-insurance-company-pays-claims-should-matter/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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		<title>Mortgage Overcharges and Consumer Protection</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/07/02/mortgage-overcharges-and-consumer-protection/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/07/02/mortgage-overcharges-and-consumer-protection/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 15:44:19 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Consumer Credit]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Mortgages and Foreclosure]]></category>
		<category><![CDATA[mortgage servicer fees]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=332</guid>
		<description><![CDATA[Recently, Bank of America agreed to a staggering settlement for mortgage fees improperly charged by Countrywide prior to the BOA takeover.  Henry Sommer, one of the Country&#8217;s leading Bankruptcy lawyers, scholars and consumer activists has posted some thoughts about that settlement on Credit Slips.  It is well worth reading. Elaine<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=332&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2010/07/02/mortgage-overcharges-and-consumer-protection/feed/</wfw:commentRss>
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		<title>Facebook in Court?</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/06/30/facebook-in-court/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/06/30/facebook-in-court/#comments</comments>
		<pubDate>Thu, 01 Jul 2010 04:31:23 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[facebook]]></category>
		<category><![CDATA[social networking]]></category>
		<category><![CDATA[trustees]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=329</guid>
		<description><![CDATA[USAToday just published an article about the increasing use of Facebook and other social networking sites in divorce cases.  That really doesn&#8217;t take a genius to figure out.  Guy denies affair.  Girlfriend posts pictures.  From an evidentiary perspective, that&#8217;s sweet. So, are there any Bankruptcy Trustees routinely searching for Debtors online?  I doubt it &#8212; [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=329&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Student Loan Tips</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/06/27/student-loan-tips/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/06/27/student-loan-tips/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 03:58:36 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Consumer Credit]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=326</guid>
		<description><![CDATA[I get frequent calls from people who are way over their heads with student loan debt.  It used to be that anything over $50,000 got my attention.  Boy was that the good, old days.  Now, it is going to have to be six figures before I blink. Anyway, a blog I read pointed me to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=326&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>For Law Geeks ONLY</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/06/25/for-law-geeks-only/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/06/25/for-law-geeks-only/#comments</comments>
		<pubDate>Sat, 26 Jun 2010 02:11:58 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Business Bankruptcy]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=323</guid>
		<description><![CDATA[Credit Slips has posted a blog entry that brings together both a Business Week article and related source material discussing a possible insolvency filing by BP.  I don&#8217;t actually think this is likely in the short run, but it makes for fascinating reading.  I mean, if you&#8217;re a serious Bankruptcy law geek. . . . [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=323&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2010/06/25/for-law-geeks-only/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Debt Settlement Regulation</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/06/09/debt-settlement-regulation/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/06/09/debt-settlement-regulation/#comments</comments>
		<pubDate>Wed, 09 Jun 2010 12:14:50 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Consumer Credit]]></category>
		<category><![CDATA[Litigation]]></category>
		<category><![CDATA[1099c]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=320</guid>
		<description><![CDATA[There is a movement afoot to increase the regulations governing debt settlement companies.  These are the companies who advertise that they can negotiate substantially reduced deals with your credit card companies.  If you have seen a banner ad that says something like, &#8220;Reduce your credit card debt by 40-50%&#8221;, odds are you have encountered a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=320&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2010/06/09/debt-settlement-regulation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>Mortgage Servicing &#8212; Thou Shall&#8217;t Not Lie, Cheat or Steal</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/06/07/mortgage-servicing-thou-shallt-not-lie-cheat-or-steal/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/06/07/mortgage-servicing-thou-shallt-not-lie-cheat-or-steal/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 17:17:05 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Consumer Credit]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Litigation]]></category>
		<category><![CDATA[Mortgages and Foreclosure]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=316</guid>
		<description><![CDATA[USA Today is reporting that Bank of America, as the purchaser of Countrywide, is paying $108 Million in penalty to the Federal Trade Commission (to be distributed amongst the effected parties).  The FTC discovered that Countrywide was charging excessive fees to home owners who were facing foreclosure.  These fees were for things like property inspections [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=316&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2010/06/07/mortgage-servicing-thou-shallt-not-lie-cheat-or-steal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Mortgage Lender of First Resort</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/05/26/mortgage-lender-of-first-resort/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/05/26/mortgage-lender-of-first-resort/#comments</comments>
		<pubDate>Wed, 26 May 2010 16:34:48 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Mortgages and Foreclosure]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=306</guid>
		<description><![CDATA[I frequently need to know who actually owns the notes and mortgages connected with my clients&#8217; homes.  So, keeping an eye on who the players are on the National mortgage scene makes a certain amount of sense. Here is an article from BusinessWeek that makes me reconsider my decision not to subscribe.  I mean, seriously, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=306&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2010/05/26/mortgage-lender-of-first-resort/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Reflections on a Webinar</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/05/21/reflections-on-a-webinar/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/05/21/reflections-on-a-webinar/#comments</comments>
		<pubDate>Fri, 21 May 2010 16:39:31 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[CLE]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Discharge]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[support]]></category>
		<category><![CDATA[webinar]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=302</guid>
		<description><![CDATA[Last week I taught a Webinar on the intersection of divorce law and bankruptcy law.  I have taught CLE before, and I have been recorded when teaching CLE before.  Last week, though, was the first time that I have taught a presentation where I was teaching solely to a camera.  Now, there were quite a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=302&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2010/05/21/reflections-on-a-webinar/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dowlinglawoffice</media:title>
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		<title>Foreclosure Records</title>
		<link>http://dowlinglawoffice.wordpress.com/2010/05/20/foreclosure-records/</link>
		<comments>http://dowlinglawoffice.wordpress.com/2010/05/20/foreclosure-records/#comments</comments>
		<pubDate>Thu, 20 May 2010 17:19:41 +0000</pubDate>
		<dc:creator>dowlinglawoffice</dc:creator>
				<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Mortgages and Foreclosure]]></category>
		<category><![CDATA[default]]></category>
		<category><![CDATA[home owners]]></category>
		<category><![CDATA[statistics]]></category>

		<guid isPermaLink="false">http://dowlinglawoffice.wordpress.com/?p=298</guid>
		<description><![CDATA[USA Today ran an article on foreclosure statistics. It seems that we have recently set two records.  The first is that for the first time ever 10% of all home owners (according to the article) missed a mortgage payment during a quarter.  The second is that now some 4.6% of all home owners are in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=dowlinglawoffice.wordpress.com&amp;blog=862498&amp;post=298&amp;subd=dowlinglawoffice&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://dowlinglawoffice.wordpress.com/2010/05/20/foreclosure-records/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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