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	<title>Consumer Bankruptcy TipsBankruptcy Basics | Consumer Bankruptcy Tips</title>
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	<description>Guidance for Consumers Thinking About Bankruptcy</description>
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		<title>Bankruptcy &#8211; What If The Creditor Didn’t Intend To Harass You?</title>
		<link>http://consumerbankruptcytips.com/bankruptcy-what-if-the-creditor-didn%e2%80%99t-intend-to-harass-you/</link>
		<comments>http://consumerbankruptcytips.com/bankruptcy-what-if-the-creditor-didn%e2%80%99t-intend-to-harass-you/#comments</comments>
		<pubDate>Fri, 02 Apr 2010 19:28:18 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Automatic Stay]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorneys]]></category>
		<category><![CDATA[bankruptcy courts]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[Fairfield County Bankruptcy Help]]></category>
		<category><![CDATA[harassing]]></category>
		<category><![CDATA[Hartford County Bankruptcy Help]]></category>
		<category><![CDATA[Litchfield County Bankruptcy help]]></category>
		<category><![CDATA[New Haven County Bankruptcy Help]]></category>
		<category><![CDATA[New London County Bankruptcy Help]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=207</guid>
		<description><![CDATA[When the creditor who harassed you claims in Bankruptcy Court he didn’t mean to violate the automatic stay, the Bankruptcy Judge will side with you and award damges.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Creditors Harassment After Bankruptcy? Tell Your Bankruptcy Lawyer!</title>
		<link>http://consumerbankruptcytips.com/creditors-harassment-after-bankruptcy-tell-your-bankruptcy-lawyer/</link>
		<comments>http://consumerbankruptcytips.com/creditors-harassment-after-bankruptcy-tell-your-bankruptcy-lawyer/#comments</comments>
		<pubDate>Sun, 28 Mar 2010 15:40:40 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Automatic Stay]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy help]]></category>
		<category><![CDATA[Connecticut bankruptcy information]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Creditor Harassment]]></category>
		<category><![CDATA[Fairfield County Bankruptcy Help]]></category>
		<category><![CDATA[Hartford County Bankruptcy Help]]></category>
		<category><![CDATA[Initial consultation]]></category>
		<category><![CDATA[Litchfield County Bankruptcy help]]></category>
		<category><![CDATA[New Haven County Bankruptcy Help]]></category>
		<category><![CDATA[New London County Bankruptcy Help]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=192</guid>
		<description><![CDATA[Soon after you file bankruptcy, you should expect new bills and phone calls from creditors to stop.  Sometimes they don’t.  Why?  They hope you’ll pay them anyway…without consulting your attorney, and sometimes people in bankruptcy do this. Remember, once you file your petition, the  court imposes an “automatic stay” against creditors.  It stops all collection [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Credit Card Reform in Action:  An animated ode to the Credit CARD Reform Act</title>
		<link>http://consumerbankruptcytips.com/credit-card-reform-in-action-an-animated-ode-to-the-credit-card-reform-act/</link>
		<comments>http://consumerbankruptcytips.com/credit-card-reform-in-action-an-animated-ode-to-the-credit-card-reform-act/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 16:05:29 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Changes to Bankruptcy Laws]]></category>
		<category><![CDATA[Credit cards]]></category>
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		<category><![CDATA[Bankruptcy humor]]></category>
		<category><![CDATA[Bankruptcy Video]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
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		<category><![CDATA[Credit CARD Act]]></category>
		<category><![CDATA[Credit card debt]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Fairfield County Bankruptcy Help]]></category>
		<category><![CDATA[Hartford County Bankruptcy Help]]></category>
		<category><![CDATA[Initial consultation]]></category>
		<category><![CDATA[Litchfield County Bankruptcy help]]></category>
		<category><![CDATA[New bankruptcy law]]></category>
		<category><![CDATA[New Haven County Bankruptcy Help]]></category>
		<category><![CDATA[New legislation]]></category>
		<category><![CDATA[New London County Bankruptcy Help]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=175</guid>
		<description><![CDATA[You may have recently heard news about the Credit CARD Reform Act of 2009.  It just went into effect on February 22, 2010 and is intended to provide various protections to consumers to combat the wily tricks of the credit card companies. Here&#8217;s a great cartoon video (which I saw posted on the Center for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Where are the bankruptcy courts in Connecticut?</title>
		<link>http://consumerbankruptcytips.com/where-are-the-bankruptcy-courts-in-connecticut/</link>
		<comments>http://consumerbankruptcytips.com/where-are-the-bankruptcy-courts-in-connecticut/#comments</comments>
		<pubDate>Sun, 07 Feb 2010 22:00:20 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut Bankruptcy Court]]></category>
		<category><![CDATA[Connecticut bankruptcy information]]></category>
		<category><![CDATA[Fairfield County Bankruptcy Help]]></category>
		<category><![CDATA[Hartford County Bankruptcy Help]]></category>
		<category><![CDATA[Litchfield County Bankruptcy help]]></category>
		<category><![CDATA[New Haven County Bankruptcy Help]]></category>
		<category><![CDATA[New London County Bankruptcy Help]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=144</guid>
		<description><![CDATA[As discussed in a previous post on this blog, most Connecticut residents who file for bankruptcy do not actually need to to go Bankruptcy Court and go before a Bankruptcy Judge.  Rather instead, your only in-person interaction with bankruptcy officials comes at your 341 Meeting of Creditors when you meet with the trustee for your [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Where do I go if I file for Bankruptcy in Connecticut?</title>
		<link>http://consumerbankruptcytips.com/where-do-i-go-if-i-file-for-bankruptcy-in-connecticut/</link>
		<comments>http://consumerbankruptcytips.com/where-do-i-go-if-i-file-for-bankruptcy-in-connecticut/#comments</comments>
		<pubDate>Sun, 07 Feb 2010 21:50:21 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[341 Meeting]]></category>
		<category><![CDATA[341 Meeting in Connecticut]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy help]]></category>
		<category><![CDATA[Connecticut bankruptcy information]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Fairfield County Bankruptcy Help]]></category>
		<category><![CDATA[Hartford County Bankruptcy Help]]></category>
		<category><![CDATA[Initial consultation]]></category>
		<category><![CDATA[Litchfield County Bankruptcy help]]></category>
		<category><![CDATA[New Haven County Bankruptcy Help]]></category>
		<category><![CDATA[New London County Bankruptcy Help]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=140</guid>
		<description><![CDATA[Most Connecticut residents who file for bankruptcy do not have to go to the Bankruptcy Court in Connecticut.  That&#8217;s because most bankruptcy cases are filed electronically in Connecticut and in the rest of the United States. But don&#8217;t you have to go somewhere official if you file for bankruptcy? YES. You have to go to [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>What happens at a 341 Meeting of Creditors in Connecticut?</title>
		<link>http://consumerbankruptcytips.com/what-happens-at-a-341-meeting-of-creditors-in-connecticut/</link>
		<comments>http://consumerbankruptcytips.com/what-happens-at-a-341-meeting-of-creditors-in-connecticut/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 17:02:40 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[341 Meeting]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Preparation]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Meeting of Creditors]]></category>
		<category><![CDATA[Trustee]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=136</guid>
		<description><![CDATA[One of the first things that happens in a bankruptcy case in Connecticut after the debtor has filed a petition, is a &#8220;Meeting of Creditors,&#8221; also know as a &#8220;341 Meeting&#8221; which refers to Section 341 of the Bankruptcy Code. What happens at a 341 Meeting and what&#8217;s the experience like? A 341 Meeting is a [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How big is my &#8220;household&#8221; and why does the Bankruptcy Court care?</title>
		<link>http://consumerbankruptcytips.com/how-big-is-my-household-and-why-does-the-bankruptcy-court-care/</link>
		<comments>http://consumerbankruptcytips.com/how-big-is-my-household-and-why-does-the-bankruptcy-court-care/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 16:30:01 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Household size]]></category>
		<category><![CDATA[Initial consultation]]></category>
		<category><![CDATA[Means test]]></category>
		<category><![CDATA[Median Income]]></category>
		<category><![CDATA[New bankruptcy law]]></category>
		<category><![CDATA[Pre-bankruptcy planning]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=121</guid>
		<description><![CDATA[If you file for bankruptcy in Connecticut or anywhere else, then one piece of information you need to know is your &#8220;household size.&#8221; Why is household size so important?  Because of the Means Test. Under the Means Test, you can file for Chapter 7 bankruptcy only if your monthly income is below the monthly median [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get Your iPhone App Here!</title>
		<link>http://consumerbankruptcytips.com/get-your-iphone-app-here/</link>
		<comments>http://consumerbankruptcytips.com/get-your-iphone-app-here/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 01:50:43 +0000</pubDate>
		<dc:creator>Eugene S. Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy News]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=108</guid>
		<description><![CDATA[Get the Bankruptcy Law Network iPhone App at the iTunes Store]]></description>
		<wfw:commentRss>http://consumerbankruptcytips.com/get-your-iphone-app-here/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How do I know if I have good or bad credit?</title>
		<link>http://consumerbankruptcytips.com/how-do-i-know-if-i-have-good-or-bad-credit/</link>
		<comments>http://consumerbankruptcytips.com/how-do-i-know-if-i-have-good-or-bad-credit/#comments</comments>
		<pubDate>Fri, 08 Jan 2010 18:09:27 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=101</guid>
		<description><![CDATA[You can check your credit by requesting a report from the three main credit reporting companies (also sometimes referred to as &#8220;credit bureaus&#8221;).  Note:  Be aware that these are private companies, not government agencies. And the best starting point for requesting your credit report is www.annualcreditreport.com.  Don&#8217;t bother with that other service.  While they may give [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s a &#8220;free initial consultation&#8221; like?</title>
		<link>http://consumerbankruptcytips.com/whats-an-free-initial-consultation-like/</link>
		<comments>http://consumerbankruptcytips.com/whats-an-free-initial-consultation-like/#comments</comments>
		<pubDate>Sun, 27 Dec 2009 19:00:08 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Initial consultation]]></category>
		<category><![CDATA[Pre-bankruptcy planning]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=94</guid>
		<description><![CDATA[At the end of each of my blog posts, I include an invitation to contact me for a free initial consultation. So I thought you might be curious to know a little more about what happens at this initial consultation. You enter the office, worried about your finances, stressed from harassing calls from debt collectors, [...]]]></description>
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		<slash:comments>0</slash:comments>
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