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	<title>Jeff Field &#38; Associates | What Are Federal Non-Bankruptcy Exemptions?</title>
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	<description>Georgia Bankruptcy Blog - Attorneys at Jeff Field &#38; Associates</description>
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		<title>What Are Federal Non-Bankruptcy Exemptions?</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/what-are-federal-non-bankruptcy-exemptions/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/what-are-federal-non-bankruptcy-exemptions/#comments</comments>
		<pubDate>Thu, 14 Feb 2013 21:36:38 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>

		<guid isPermaLink="false">http://jefffield-blog.cert-lawlinks.com/?p=1026</guid>
		<description><![CDATA[Can I Use Them In My Georgia Bankruptcy Case? Georgia is an “opt-out” state. This means that, like many states, Georgia “opted-out” of the federal exemptions and elected to apply its own bankruptcy exemptions in Georgia bankruptcy cases rather than apply the federal bankruptcy exemptions set out in Section 522(d) of the Bankruptcy Code. The...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/what-are-federal-non-bankruptcy-exemptions/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I File for Chapter 7 in Georgia Without My Spouse?</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/can-i-file-for-chapter-7-in-georgia-without-my-spouse/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/can-i-file-for-chapter-7-in-georgia-without-my-spouse/#comments</comments>
		<pubDate>Mon, 11 Feb 2013 15:54:52 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[Chapter 7 bankruptcy]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[Georgia bankruptcy lawyer]]></category>

		<guid isPermaLink="false">http://jefffield-blog.cert-lawlinks.com/?p=1015</guid>
		<description><![CDATA[The short answer to the question is yes. The more important inquiry is which option makes the most economic sense for you and your spouse! Georgia follows the common law rules of ownership of property and liability for debt.  In Georgia, unless your spouse (or some relative, friend or other person) cosigned for your debt,...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/can-i-file-for-chapter-7-in-georgia-without-my-spouse/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Georgia Homestead Exemption in Bankruptcy: Should it be Increased?</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/the-georgia-homestead-exemption-in-bankruptcy-should-it-be-increased/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/the-georgia-homestead-exemption-in-bankruptcy-should-it-be-increased/#comments</comments>
		<pubDate>Thu, 07 Feb 2013 14:46:37 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Atlanta bankruptcy attorney]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[exemption]]></category>
		<category><![CDATA[foreclosure defense]]></category>
		<category><![CDATA[homestead exemption]]></category>

		<guid isPermaLink="false">http://jefffield-blog.cert-lawlinks.com/?p=1006</guid>
		<description><![CDATA[On May 2, 2012, the homestead exemption was increased which brought the exemption for an individual filer to $21,500.00 and nearly in line with the federal homestead exemption. This was especially important to Georgia debtors who are not allowed to use the federal exemption as an alternative to the Georgia exemption. In the nearby state...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/the-georgia-homestead-exemption-in-bankruptcy-should-it-be-increased/">Read More &#187;</a>]]></description>
		<wfw:commentRss>http://www.bankruptcylawfirmingeorgia.com/blog/the-georgia-homestead-exemption-in-bankruptcy-should-it-be-increased/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>The Magic of the Automatic Stay, Section 362(b): Part III</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-section-362b-part-iii/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-section-362b-part-iii/#comments</comments>
		<pubDate>Mon, 04 Feb 2013 22:18:41 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Atlanta bankruptcy attorney]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[Georgia bankruptcy lawyer]]></category>
		<category><![CDATA[wage garnishment]]></category>

		<guid isPermaLink="false">http://jefffield-blog.cert-lawlinks.com/?p=997</guid>
		<description><![CDATA[Continued from The Magic of the Automatic Stay: Part I and The Magic of the Automatic Stay: Part II Based on public policy, there are certain acts set out in Section 362(b) for which the stay does NOT automatically arise to protect you or your property when your petition is filed. On the other hand,...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-section-362b-part-iii/">Read More &#187;</a>]]></description>
		<wfw:commentRss>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-section-362b-part-iii/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Magic of the Automatic Stay, Section 362(a): Part II</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-section-362a-part-ii/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-section-362a-part-ii/#comments</comments>
		<pubDate>Thu, 31 Jan 2013 22:11:59 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Atlanta bankruptcy attorney]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[Georgia bankruptcy lawyer]]></category>
		<category><![CDATA[wage garnishment]]></category>

		<guid isPermaLink="false">http://jefffield-blog.cert-lawlinks.com/?p=989</guid>
		<description><![CDATA[Continued from The Magic of the Automatic Stay Many legal writers have observed that the purpose of the stay is to provide a “breathing spell” while the facts in a bankruptcy case are sorted out. Each statutory provision controlling the specific stay relief that arises automatically upon the filing of a bankruptcy petition is set...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-section-362a-part-ii/">Read More &#187;</a>]]></description>
		<wfw:commentRss>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-section-362a-part-ii/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>&#8216;Tis The Season To Be WARY!</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/tis-the-season-to-be-wary/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/tis-the-season-to-be-wary/#comments</comments>
		<pubDate>Mon, 07 Jan 2013 14:07:59 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>

		<guid isPermaLink="false">http://jefffield-blog.thelawlinks.com/?p=967</guid>
		<description><![CDATA[Tax season is on us once again and many are thinking about how to make the best use of any tax refund to pay down their obligations. Be aware: scammers are out there and are plotting strategies to separate you from your hard-earned tax refund and your income. In a blog published September 18, 2012,...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/tis-the-season-to-be-wary/">Read More &#187;</a>]]></description>
		<wfw:commentRss>http://www.bankruptcylawfirmingeorgia.com/blog/tis-the-season-to-be-wary/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Turnabout Is Fair Play: Homeowners Association Forecloses On Bank</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/turnabout-is-fair-play-homeowners-association-forecloses-on-bank/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/turnabout-is-fair-play-homeowners-association-forecloses-on-bank/#comments</comments>
		<pubDate>Fri, 04 Jan 2013 15:56:57 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Atlanta bankruptcy attorney]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[foreclosure defense]]></category>
		<category><![CDATA[Georgia bankruptcy lawyer]]></category>

		<guid isPermaLink="false">http://jefffield-blog.thelawlinks.com/?p=956</guid>
		<description><![CDATA[A recent report entitled, "Florida Homeowners Foreclose On Deadbeat Banks", provides an interesting and unusual commentary on one effect of the on-going "soft" real estate market, especially for an "REO" property which the lender is unable to sell or rent. REOs (Real Estate Owned) include homes foreclosed by a lender which the lender still owns. Lenders at a foreclosure sale with "no bid"...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/turnabout-is-fair-play-homeowners-association-forecloses-on-bank/">Read More &#187;</a>]]></description>
		<wfw:commentRss>http://www.bankruptcylawfirmingeorgia.com/blog/turnabout-is-fair-play-homeowners-association-forecloses-on-bank/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Magic of The &#8220;Automatic Stay&#8221;: Part 1</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-part-1/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-part-1/#comments</comments>
		<pubDate>Wed, 02 Jan 2013 14:12:23 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Atlanta bankruptcy attorney]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7 bankruptcy]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[Georgia bankruptcy lawyer]]></category>

		<guid isPermaLink="false">http://jefffield-blog.thelawlinks.com/?p=946</guid>
		<description><![CDATA[For me, the keystone or centerpiece of all of the interacting parts of the Bankruptcy Code is the automatic stay. The stay is the fundamental shield available to our clients who file for relief from creditors in a Chapter 7 or Chapter 13 case and shields you and your assets from any collection activity by your creditors. The stay arises automatically...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-part-1/">Read More &#187;</a>]]></description>
		<wfw:commentRss>http://www.bankruptcylawfirmingeorgia.com/blog/the-magic-of-the-automatic-stay-part-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can The Surrender of Property Be Refused By The Lender?</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/can-the-surrender-of-property-be-refused-by-the-lender/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/can-the-surrender-of-property-be-refused-by-the-lender/#comments</comments>
		<pubDate>Mon, 31 Dec 2012 22:06:57 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Atlanta bankruptcy attorney]]></category>
		<category><![CDATA[deed to secure debt]]></category>
		<category><![CDATA[Georgia bankruptcy lawyer]]></category>
		<category><![CDATA[surrender of property]]></category>

		<guid isPermaLink="false">http://jefffield-blog.thelawlinks.com/?p=933</guid>
		<description><![CDATA[In many Chapter 7 and 13 cases, our clients decide to maximize the benefits of their "fresh start" by surrendering to the lender all of their "rights, title and interest" in an "underwater" residence or rental property or a property with predatory loan terms. In Georgia, these properties usually are secured by a security deed (Deed To Secure...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/can-the-surrender-of-property-be-refused-by-the-lender/">Read More &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Update: Has The National Mortgage Settlement Helped Any Georgia Homeowner?</title>
		<link>http://www.bankruptcylawfirmingeorgia.com/blog/update-has-the-national-mortgage-settlement-helped-any-georgia-homeowner/</link>
		<comments>http://www.bankruptcylawfirmingeorgia.com/blog/update-has-the-national-mortgage-settlement-helped-any-georgia-homeowner/#comments</comments>
		<pubDate>Tue, 04 Dec 2012 14:32:42 +0000</pubDate>
		<dc:creator>Win Mims</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Georgia bankruptcy lawyer]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[national mortgage settlement]]></category>

		<guid isPermaLink="false">http://jefffield-blog.thelawlinks.com/?p=911</guid>
		<description><![CDATA[In an earlier blog published 10-30-12, we tracked some of the developments in the so-called "historic" National Mortgage Settlement (NMS) with Bank of America, JPMorgan Chase, Wells Fargo, Citigroup and Ally which was announced in February, 2012. To review: The NMS encouraged these five "bad actors"  to reach out and actively solicit homeowners for loan modifications,...  <a href="http://www.bankruptcylawfirmingeorgia.com/blog/update-has-the-national-mortgage-settlement-helped-any-georgia-homeowner/">Read More &#187;</a>]]></description>
		<wfw:commentRss>http://www.bankruptcylawfirmingeorgia.com/blog/update-has-the-national-mortgage-settlement-helped-any-georgia-homeowner/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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