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	<description>Bankrupcty Information Center</description>
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		<title>Does a Tax Refund Affect Chapter 7 Bankruptcy?</title>
		<link>http://www.discreetbk.com/does-a-tax-refund-affect-chapter-7-bankruptcy/</link>
		<comments>http://www.discreetbk.com/does-a-tax-refund-affect-chapter-7-bankruptcy/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 19:49:08 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorneys]]></category>
		<category><![CDATA[bankruptcy costs]]></category>
		<category><![CDATA[bankruptcy estate]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[bankruptcy lawyer]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[file for chapter 7 bankruptcy]]></category>
		<category><![CDATA[filing for bankruptcy]]></category>
		<category><![CDATA[filing for chapter 7 bankruptcy]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[tax refund]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=580</guid>
		<description><![CDATA[If you are expecting to receive a tax refund, you will want to consult with a bankruptcy lawyer before you file for Chapter 7 bankruptcy.  The size of the refund and timing of tax filing should be considered prior to any bankruptcy filing.  
In Arizona, a tax refund in a Chapter 7 bankruptcy <br/><a href="http://www.discreetbk.com/does-a-tax-refund-affect-chapter-7-bankruptcy/">Read More &#187;</a>]]></description>
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		<title>Handling Tax Debt with a Chapter 13 Bankruptcy</title>
		<link>http://www.discreetbk.com/handling-tax-debt-with-a-chapter-13-bankruptcy/</link>
		<comments>http://www.discreetbk.com/handling-tax-debt-with-a-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 19:41:11 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[AZ]]></category>
		<category><![CDATA[back taxes]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorneys]]></category>
		<category><![CDATA[bankruptcy court]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 13 Plan]]></category>
		<category><![CDATA[Chapter 13 repayment plan]]></category>
		<category><![CDATA[filing for chapter 13 bankruptcy]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[unpaid taxes]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=574</guid>
		<description><![CDATA[Filing for Chapter 13 bankruptcy may be the best way to handle unpaid taxes or back taxes.  If you have a current dispute with the IRS over unpaid taxes, the bankruptcy court has the power to decide such disputes in Arizona.  The IRS often welcomes the Chapter 13 bankruptcy filing because they must <br/><a href="http://www.discreetbk.com/handling-tax-debt-with-a-chapter-13-bankruptcy/">Read More &#187;</a>]]></description>
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		<title>What Debts are NOT Discharged during Bankruptcy?</title>
		<link>http://www.discreetbk.com/what-debts-are-not-discharged-during-bankruptcy/</link>
		<comments>http://www.discreetbk.com/what-debts-are-not-discharged-during-bankruptcy/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 21:14:29 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[adversary proceeding]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[back child support]]></category>
		<category><![CDATA[back tax debt]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[bankruptcy law firm]]></category>
		<category><![CDATA[bankruptcy lawyers]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[child support]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt that cannot be discharged]]></category>
		<category><![CDATA[filing for bankruptcy]]></category>
		<category><![CDATA[filing for bankruptcy in Arizona]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[special circumstances]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[tax debt]]></category>
		<category><![CDATA[undue hardship]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=566</guid>
		<description><![CDATA[Not all debt is seen as equal during a bankruptcy filing and there are some debts that cannot be routinely discharged in a Chapter 7 bankruptcy or Chapter 13 bankruptcy.  The most common types of debt that cannot be discharged are child support, student loans, and tax debt.
Child support and back child support will <br/><a href="http://www.discreetbk.com/what-debts-are-not-discharged-during-bankruptcy/">Read More &#187;</a>]]></description>
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		<title>Reaffirming Debt during Bankruptcy</title>
		<link>http://www.discreetbk.com/reaffirming-debt-during-bankruptcy/</link>
		<comments>http://www.discreetbk.com/reaffirming-debt-during-bankruptcy/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 21:05:10 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[bankruptcy lawyers]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 13 repayment plan]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[file for bankruptcy in the State of Arizona]]></category>
		<category><![CDATA[filing for bankruptcy in Arizona]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[reaffirmed debts]]></category>
		<category><![CDATA[reaffirming debt]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=560</guid>
		<description><![CDATA[Reaffirming a debt during bankruptcy means that you will continue to make payments on a loan in order to keep the asset.  Typically this is done with a home mortgage or car loan.  While it is possible to reaffirm debt during a Chapter 7 bankruptcy filing, it is common to retain items and <br/><a href="http://www.discreetbk.com/reaffirming-debt-during-bankruptcy/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>What is an Automatic Stay?</title>
		<link>http://www.discreetbk.com/what-is-an-automatic-stay/</link>
		<comments>http://www.discreetbk.com/what-is-an-automatic-stay/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 08:46:51 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy attorneys]]></category>
		<category><![CDATA[bankruptcy court]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[bankruptcy lawyer]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[garnished]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[wage garnishment]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=549</guid>
		<description><![CDATA[The automatic stay is a special legal provision that is activated when you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy.  This stay immediately stops all creditors’ attempts to collect a debt during your case.  This stay will immediately stop a wage garnishment &#8211; or keep one from being started in the <br/><a href="http://www.discreetbk.com/what-is-an-automatic-stay/">Read More &#187;</a>]]></description>
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