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	<title>Comments on: 2005 Bankruptcy Law Changes</title>
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	<description>Bankruptcy Credit Card Questions and Answers</description>
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		<title>By: Lea</title>
		<link>http://www.bankruptcycredit-cards.com/68/2005-bankruptcy-law-changes/comment-page-1/#comment-324</link>
		<dc:creator>Lea</dc:creator>
		<pubDate>Sun, 22 Nov 2009 17:32:59 +0000</pubDate>
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		<description>You have to beable to pass a means test... You have to be under the income guidelines to file a chptr 7.. For example, if you are a family of 2 you cannot have income above (approx) $60,000.. If its a family of 3 then income cannot exceed $70, 600 and family of 4 is $83, 700.... Depending on which state you  live in the numbers could be a tad higher or lower.. If you are under these income guidelines then you can file chptr 7.. If your income is over then you must file a chptr 13 repayment plan over 3-5years.. You can go to google.com and type in legalhelpers and get alot of your questions answered. good luck!&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>You have to beable to pass a means test&#8230; You have to be under the income guidelines to file a chptr 7.. For example, if you are a family of 2 you cannot have income above (approx) $60,000.. If its a family of 3 then income cannot exceed $70, 600 and family of 4 is $83, 700&#8230;. Depending on which state you  live in the numbers could be a tad higher or lower.. If you are under these income guidelines then you can file chptr 7.. If your income is over then you must file a chptr 13 repayment plan over 3-5years.. You can go to google.com and type in legalhelpers and get alot of your questions answered. good luck!<br /><b>References : </b></p>
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		<title>By: 48ChevyFleetMaster</title>
		<link>http://www.bankruptcycredit-cards.com/68/2005-bankruptcy-law-changes/comment-page-1/#comment-323</link>
		<dc:creator>48ChevyFleetMaster</dc:creator>
		<pubDate>Sun, 22 Nov 2009 17:30:59 +0000</pubDate>
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		<description>You have to take 2 extra steps from what i&#039;m told credit counseling and.....forgot&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>You have to take 2 extra steps from what i&#8217;m told <a href="http://www.bankruptcycredit-cards.com/FreeDebtConsultation/google" style="color:#0099FF;font-style:italic;" target="_blank" rel="nofollow" onmouseover="self.status='http://www.bankruptcycredit-cards.com/FreeDebtConsultation/google';return true;" onmouseout="self.status=''">credit counseling</a> and&#8230;..forgot<br /><b>References : </b></p>
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	<item>
		<title>By: fantasy209</title>
		<link>http://www.bankruptcycredit-cards.com/68/2005-bankruptcy-law-changes/comment-page-1/#comment-322</link>
		<dc:creator>fantasy209</dc:creator>
		<pubDate>Sun, 22 Nov 2009 12:28:10 +0000</pubDate>
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		<description>&lt;b&gt;How is bankruptcy chapter 7 different from 2005?&lt;/b&gt;&lt;br&gt;I heard bankruptcy chapter 7 rules changed since 2005, how is it different?
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		<content:encoded><![CDATA[<p><b>How is bankruptcy chapter 7 different from 2005?</b><br />I heard bankruptcy chapter 7 rules changed since 2005, how is it different?</p>
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