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	<title>Northwest Debt Relief Law Firm</title>
	<link>http://www.nwdrlf.com/blog</link>
	<description>Bankruptcy Information for People living in both Washington and Oregon</description>
	<pubDate>Sun, 05 Oct 2008 13:51:58 +0000</pubDate>
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		<title>Court Ruling Requires Credit Bureaus To Wipe Away Bills Incurred Before Bankruptcy</title>
		<link>http://www.nwdrlf.com/blog/court-ruling-requires-credit-bureaus-to-wipe-away-bills-incurred-before-bankruptcy/</link>
		<comments>http://www.nwdrlf.com/blog/court-ruling-requires-credit-bureaus-to-wipe-away-bills-incurred-before-bankruptcy/#comments</comments>
		<pubDate>Sun, 05 Oct 2008 13:45:23 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[After Bankruptcy]]></category>

		<category><![CDATA[Bankruptcy in the News]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[credit report]]></category>

		<category><![CDATA[Oregon]]></category>

		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/court-ruling-requires-credit-bureaus-to-wipe-away-bills-incurred-before-bankruptcy/</guid>
		<description><![CDATA[In the following new article in the Wall Street Journal, Jane J. Kim describes the recent court ruling in California requiring  credit bureaus to remove debts incurred before the filing of a chapter 7 bankruptcy. Up to the present time, debtors have had to rely on creditors to remove the debts after a bankruptcy filing. Hopefully, Bankruptcy Courts [...]]]></description>
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		</item>
		<item>
		<title>Bankruptcy Law Reform’s Legacy</title>
		<link>http://www.nwdrlf.com/blog/bankruptcy-law-reform%e2%80%99s-legacy/</link>
		<comments>http://www.nwdrlf.com/blog/bankruptcy-law-reform%e2%80%99s-legacy/#comments</comments>
		<pubDate>Sun, 05 Oct 2008 01:05:55 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[Bankruptcy in the News]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[Oregon]]></category>

		<category><![CDATA[reform]]></category>

		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/bankruptcy-law-reform%e2%80%99s-legacy/</guid>
		<description><![CDATA[The following article by John Greenya provides a frightening overview of the greed and incompetence which produced the enactment of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 on the eve of its three year anniversary.

]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/bankruptcy-law-reform%e2%80%99s-legacy/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Bankruptcy and Senior Citizens</title>
		<link>http://www.nwdrlf.com/blog/63/</link>
		<comments>http://www.nwdrlf.com/blog/63/#comments</comments>
		<pubDate>Mon, 08 Sep 2008 14:13:45 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[Bankruptcy in the News]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[Oregon]]></category>

		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/63/</guid>
		<description><![CDATA[The article below details the relationship between age and its accompanying financial problems confronting seniors. The rise in bankruptcy filings is obviously expected to increase exponentially in the coming years.
The Florida Times-Union
]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/63/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Obama and the Bankruptcy Abuse and Prevention Act of 2005</title>
		<link>http://www.nwdrlf.com/blog/obama-and-the-bankruptcy-abuse-and-prevention-act-of-2005/</link>
		<comments>http://www.nwdrlf.com/blog/obama-and-the-bankruptcy-abuse-and-prevention-act-of-2005/#comments</comments>
		<pubDate>Sat, 06 Sep 2008 22:41:07 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/obama-and-the-bankruptcy-abuse-and-prevention-act-of-2005/</guid>
		<description><![CDATA[Senator&#8217;s Obama was and is a staunch opponent of the Bankruptcy Reforms that were put in place in 2oo5. The Bankruptcy Abuse and Prevention Act was largely funded and supported by the Banks and Credit Card issuers. The  Act made the process of filing bankruptcy a more difficult and expensive proposition for all. His words [...]]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/obama-and-the-bankruptcy-abuse-and-prevention-act-of-2005/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Foreclosure Rescue Scams</title>
		<link>http://www.nwdrlf.com/blog/foreclosure-rescue-scams/</link>
		<comments>http://www.nwdrlf.com/blog/foreclosure-rescue-scams/#comments</comments>
		<pubDate>Sat, 06 Sep 2008 22:31:38 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[Bankruptcy Information]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[foreclosure]]></category>

		<category><![CDATA[Portland]]></category>

		<category><![CDATA[Vancouver]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/foreclosure-rescue-scams/</guid>
		<description><![CDATA[The Federal Trade Commission published an excellent brochure on foreclosure rescue smam artists. The article below is culled from their materials.The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on the vulnerability of desperate homeowners is equally frightening. Many so-called foreclosure rescue companies or foreclosure assistance [...]]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/foreclosure-rescue-scams/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Debt Buyers Just Sued Me</title>
		<link>http://www.nwdrlf.com/blog/the-debt-buyers-just-sued-me/</link>
		<comments>http://www.nwdrlf.com/blog/the-debt-buyers-just-sued-me/#comments</comments>
		<pubDate>Sat, 06 Sep 2008 22:29:45 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[Bankruptcy Information]]></category>

		<category><![CDATA[]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[debt buyers]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/the-debt-buyers-just-sued-me/</guid>
		<description><![CDATA[You are served with court papers and find out that a company you never heard of, say, Asset Acceptance, is suing you.They purchased the debt from your old credit card company.  In what has now become a huge industry, credit card issuers and large banks are selling the charged  off debts, which is to [...]]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/the-debt-buyers-just-sued-me/feed/</wfw:commentRss>
		</item>
		<item>
		<title>False Credit Card Entries after Bankruptcy</title>
		<link>http://www.nwdrlf.com/blog/false-credit-card-entries-after-bankruptcy/</link>
		<comments>http://www.nwdrlf.com/blog/false-credit-card-entries-after-bankruptcy/#comments</comments>
		<pubDate>Tue, 02 Sep 2008 16:13:47 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[After Bankruptcy]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[bill]]></category>

		<category><![CDATA[credit card]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/false-credit-card-entries-after-bankruptcy/</guid>
		<description><![CDATA[The last thing anyone needs to be doing after filing bankruptcy is paying debts that they do not owe. The whole idea of bankruptcy is to get a real fresh start. Unfortunately, errors on credit card bills resulting in fresh debt are getting to be pretty commonplace. That being the case, you should always look [...]]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/false-credit-card-entries-after-bankruptcy/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Fair Debt Collection Practices Act</title>
		<link>http://www.nwdrlf.com/blog/fair-debt-collection-practices-act/</link>
		<comments>http://www.nwdrlf.com/blog/fair-debt-collection-practices-act/#comments</comments>
		<pubDate>Tue, 02 Sep 2008 00:06:23 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[Bankruptcy Information]]></category>

		<category><![CDATA[fair debt collection practices act]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/fair-debt-collection-practices-act/</guid>
		<description><![CDATA[The Fair Debt Collection Practices Act places severe limits as to when and how debt collectors can contact you. A &#8220;debt collector&#8221; is a third party, such as a collections agency, that tries to collect money owed to someone else. It is very important to remember that the Fair Debt Collection Practices Act only places [...]]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/fair-debt-collection-practices-act/feed/</wfw:commentRss>
		</item>
		<item>
		<title>How Long is the Bankruptcy on My Credit Report?</title>
		<link>http://www.nwdrlf.com/blog/how-long-is-the-bankruptcy-on-my-credit-report/</link>
		<comments>http://www.nwdrlf.com/blog/how-long-is-the-bankruptcy-on-my-credit-report/#comments</comments>
		<pubDate>Sun, 31 Aug 2008 20:47:42 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[After Bankruptcy]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[Fair Credit Reporting Act]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/how-long-is-the-bankruptcy-on-my-credit-report/</guid>
		<description><![CDATA[Credit reporting agencies usually report bankruptcy information for a period of ten (10) years. This does not mean that your credit rating will remain low for much of that time. Credit scoring takes into account the age of derogatory info, and discounts the value of that information as it ages.  Moreover, because you eliminate all of your unsecured [...]]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/how-long-is-the-bankruptcy-on-my-credit-report/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Avoid Unecessary Fees</title>
		<link>http://www.nwdrlf.com/blog/avoid-unecessary-fees/</link>
		<comments>http://www.nwdrlf.com/blog/avoid-unecessary-fees/#comments</comments>
		<pubDate>Sun, 31 Aug 2008 20:35:27 +0000</pubDate>
		<dc:creator>Thomas McAvity</dc:creator>
		
		<category><![CDATA[After Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.nwdrlf.com/blog/avoid-unecessary-fees/</guid>
		<description><![CDATA[Money Magazine once published a great article titled, “35 most outrageous fees (and how to avoid them)“. I thought the article was really educational, and highly recommend it to everyone I know. The sections of the article regarding bank fees and  closing costs were particularly useful.
]]></description>
		<wfw:commentRss>http://www.nwdrlf.com/blog/avoid-unecessary-fees/feed/</wfw:commentRss>
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