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	<title>Consumer Bankruptcy TipsBankruptcy News | Consumer Bankruptcy Tips</title>
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	<description>Guidance for Consumers Thinking About Bankruptcy</description>
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		<title>Bankruptcy Put to Music</title>
		<link>http://consumerbankruptcytips.com/bankruptcy-put-to-music/</link>
		<comments>http://consumerbankruptcytips.com/bankruptcy-put-to-music/#comments</comments>
		<pubDate>Mon, 10 May 2010 17:06:48 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Music]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[file bankruptcy]]></category>
		<category><![CDATA[Hartford County Bankruptcy Help]]></category>
		<category><![CDATA[Stigma]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=227</guid>
		<description><![CDATA[A friend of mine in New York City filed a bankruptcy for a musician.  That musician  learned so much from the process that he put it to music.  Maybe you don&#8217;t like loud music, so turn the volume down on your computer and read the captions.  This says it all: Leave It All Behind Leave [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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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>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy cartoon]]></category>
		<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>Attorney Melchionne featured in NY Times article on family&#8217;s fight against foreclosure in Connecticut</title>
		<link>http://consumerbankruptcytips.com/attorney-melchionne-featured-in-ny-times-article-on-familys-fight-against-foreclosure-in-connecticut/</link>
		<comments>http://consumerbankruptcytips.com/attorney-melchionne-featured-in-ny-times-article-on-familys-fight-against-foreclosure-in-connecticut/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 15:28:15 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Foreclosure Issues]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy cartoon]]></category>
		<category><![CDATA[Bankruptcy humor]]></category>
		<category><![CDATA[BAPCPA Man]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut Bankruptcy Court]]></category>
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		<category><![CDATA[Connecticut foreclosure mediation program]]></category>
		<category><![CDATA[Fairfield County Bankruptcy Help]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Hartford County Bankruptcy Help]]></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 London County Bankruptcy Help]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=160</guid>
		<description><![CDATA[The New York Times had a great February 11 article in its Real Estate section (&#8220;Mediating in Slow Motion&#8220;) that highlights the challenges of fighting foreclosure in Connecticut.  The article features my clients and does a great job of examining the effectiveness (and lack of effectiveness) of Connecticut&#8217;s foreclosure mediation program. (Appropriate commentary from BAPCPA [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Melchionne Connecticut Bankruptcy Round-up 01.24.09</title>
		<link>http://consumerbankruptcytips.com/melchionne-connecticut-bankruptcy-round-up-01-24-09/</link>
		<comments>http://consumerbankruptcytips.com/melchionne-connecticut-bankruptcy-round-up-01-24-09/#comments</comments>
		<pubDate>Sun, 24 Jan 2010 19:46:20 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Connecticut Economy]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Melchionne Connecticut Bankruptcy Round-up]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=127</guid>
		<description><![CDATA[I thought it might be of interest to readers to take a look at relevant bankruptcy news in Connecticut for the past week or so. 1.  Personal bankruptcies easing after dramatic increase in &#8217;09 (theDay.com) Connecticut saw 8,618 bankruptcies last year&#8211;90% of which were Chapter 7 bankruptcy filings.  That&#8217;s the highest number of bankruptcies in [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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>&#8220;Winter Debts&#8221; &#8211; a haiku from Bankruptcy Bill</title>
		<link>http://consumerbankruptcytips.com/winter-debts-a-haiku-from-bankruptcy-bill/</link>
		<comments>http://consumerbankruptcytips.com/winter-debts-a-haiku-from-bankruptcy-bill/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 14:01:17 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Haiku]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Credit card debt]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=85</guid>
		<description><![CDATA[In the wake of Christmas and related spending, I thought it might be appropriate to share a recent bankruptcy haiku from Bankruptcy Bill. From winter debts on Brown branches seeking fresh start A cherry blossom To get your own fresh start, get out from under your winter debts and enable your finances to blossom once [...]]]></description>
		<wfw:commentRss>http://consumerbankruptcytips.com/winter-debts-a-haiku-from-bankruptcy-bill/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Bill&#8217;s Bankruptcy Song Contest!</title>
		<link>http://consumerbankruptcytips.com/bankruptcy-bills-bankruptcy-song-contest/</link>
		<comments>http://consumerbankruptcytips.com/bankruptcy-bills-bankruptcy-song-contest/#comments</comments>
		<pubDate>Wed, 16 Dec 2009 16:30:08 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy humor]]></category>
		<category><![CDATA[Bankruptcy Music]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=59</guid>
		<description><![CDATA[You may have already come across the Bankruptcy Bill and BAPCPA Man cartoons either on a previous post this blog or elsewhere. Well, now the site may also be the best source for bankruptcy songs as well.  That&#8217;s right, bankruptcy songs.  Thanks to Bankruptcy Bill&#8217;s Bankruptcy Song Contest, which just posted the songs and lyrics [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is it ok to do &#8220;pre-bankruptcy planning&#8221;?</title>
		<link>http://consumerbankruptcytips.com/is-it-ok-to-do-pre-bankruptcy-planning/</link>
		<comments>http://consumerbankruptcytips.com/is-it-ok-to-do-pre-bankruptcy-planning/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 15:27:54 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Pre-bankruptcy planning]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=48</guid>
		<description><![CDATA[Yes, there are many things you can and should do to plan ahead if you intend to file for bankruptcy in Connecticut.  There are also a number of things you should not do if you are planning to file for bankruptcy. For this reason, if you are in any way considering a bankruptcy filing in [...]]]></description>
		<wfw:commentRss>http://consumerbankruptcytips.com/is-it-ok-to-do-pre-bankruptcy-planning/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Happy Holidays!  The Credit Card Industry Is Raising Your Interest Rate!</title>
		<link>http://consumerbankruptcytips.com/happy-holidays-the-credit-card-industry-is-raising-your-interest-rate/</link>
		<comments>http://consumerbankruptcytips.com/happy-holidays-the-credit-card-industry-is-raising-your-interest-rate/#comments</comments>
		<pubDate>Sun, 22 Nov 2009 18:33:15 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy]]></category>
		<category><![CDATA[Connecticut bankruptcy lawyer]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit CARD Act]]></category>
		<category><![CDATA[Credit card debt]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Creditor Harassment]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[New legislation]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=39</guid>
		<description><![CDATA[Happy holidays indeed.  If you&#8217;re a credit card company. According to this article in the Denver Post (&#8220;Credit Card Rates Soar Just Before Shopping Season&#8220;), credit card companies have been raising rates on unassuming consumers.  The credit industry is preparing for the major reforms on the unscrupulous practices they have been getting away with for [...]]]></description>
		<wfw:commentRss>http://consumerbankruptcytips.com/happy-holidays-the-credit-card-industry-is-raising-your-interest-rate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Do We Have &#8220;Bankruptcy&#8221;?</title>
		<link>http://consumerbankruptcytips.com/why-do-we-have-bankruptcy/</link>
		<comments>http://consumerbankruptcytips.com/why-do-we-have-bankruptcy/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 22:41:51 +0000</pubDate>
		<dc:creator>Eugene Melchionne Attorney at Law</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bible]]></category>
		<category><![CDATA[Constitution]]></category>
		<category><![CDATA[Stigma]]></category>

		<guid isPermaLink="false">http://consumerbankruptcytips.com/?p=27</guid>
		<description><![CDATA[Why is there  a bankruptcy process?  Doesn&#8217;t it give people a disincentive to repay debts that they really should pay?  Why would Congress go out of its way to create a law that lets people get out of their contractual obligations to make payment?  What&#8217;s with this whole &#8220;free-pass&#8221; thing? First, the concept of bankruptcy [...]]]></description>
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		<slash:comments>0</slash:comments>
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