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	<title>Dennis Giacomo Vilella &#187; FAQ&#8217;s</title>
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	<description>New York City Bankruptcy Attorney</description>
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		<title>Can creditors sue me after I file for bankruptcy?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/can-creditors-sue-me-after-i-file-for-bankruptcy/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/can-creditors-sue-me-after-i-file-for-bankruptcy/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 20:01:36 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[sue]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=175</guid>
		<description><![CDATA[No once a person files for bankruptcy, the automatic stay comes into effect and creditors cannot sue you, garnish your wages or restrain your checking or savings account.]]></description>
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		<title>I earn over $60,000 per year, live alone in Manhattan, and have accumulated over $45,000 in credit card debt and student loans. My rent is over $2,000 per month, I have telephone and other utility bills of about $400 per month, and I take home about $3,500 per month. Can I still file for Chapter 7 under the new bankruptcy laws?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/i-earn-over-60000-per-year-live-alone-in-manhattan-and-have-accumulated-over-45000-in-credit-card-debt-and-student-loans-my-rent-is-over-2000-per-month-i-have-telephone-and-other-utility-bil/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/i-earn-over-60000-per-year-live-alone-in-manhattan-and-have-accumulated-over-45000-in-credit-card-debt-and-student-loans-my-rent-is-over-2000-per-month-i-have-telephone-and-other-utility-bil/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 20:00:21 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=173</guid>
		<description><![CDATA[An income over $60,000 per year is in excess of the median income in New York, for a family size of one, thus, under New York Bankruptcy Law, the means test will apply. This is to ensure the Chapter 7 filing is not abusive. However, based on IRS standards for housing and utilities in Manhattan [...]]]></description>
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		<title>How does the new &#8220;means test&#8221; affect my chances of filing a bankruptcy petition under New York Bankruptcy Law’s Chapter 7?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/how-does-the-new-means-test-affect-my-chances-of-filing-a-bankruptcy-petition-under-new-york-bankruptcy-law%e2%80%99s-chapter-7/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/how-does-the-new-means-test-affect-my-chances-of-filing-a-bankruptcy-petition-under-new-york-bankruptcy-law%e2%80%99s-chapter-7/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:58:23 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>
		<category><![CDATA[means test]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=170</guid>
		<description><![CDATA[If one is unable to pass the means test under the new bankruptcy laws, there is a presumption that the filer makes too much money to file a liquidation bankruptcy. It is advisable to meet with an attorney to determine the viability of success for a rebuttal of a presumption of financial solvency in court. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is there any way that I can get bankruptcy relief from my student loans?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/is-there-any-way-that-i-can-get-bankruptcy-relief-from-my-student-loans/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/is-there-any-way-that-i-can-get-bankruptcy-relief-from-my-student-loans/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:52:43 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=167</guid>
		<description><![CDATA[It is unusual for one to obtain bankruptcy relief from student loans. However, there have been exceptions for people who have a displayed desperate hardship. These exceptions are very rare under New York Bankruptcy Law. (Courtesy of Association of the Bar of the City of New York)]]></description>
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		<title>If my ex files for bankruptcy, would he be able to stop making child-support payments?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/if-my-ex-files-for-bankruptcy-would-he-be-able-to-stop-making-child-support-payments/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/if-my-ex-files-for-bankruptcy-would-he-be-able-to-stop-making-child-support-payments/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:51:54 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=165</guid>
		<description><![CDATA[No, under New York Bankruptcy Law a spouse liable to child-support payments does not relinquish this liability by filing for bankruptcy. (Courtesy of Association of the Bar of the City of New York)]]></description>
		<wfw:commentRss>http://www.mynybankruptcy.com/2009/12/10/if-my-ex-files-for-bankruptcy-would-he-be-able-to-stop-making-child-support-payments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>I own a small cooperative apartment. If I file for bankruptcy, will I lose my apartment?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/i-own-a-small-cooperative-apartment-if-i-file-for-bankruptcy-will-i-lose-my-apartment/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/i-own-a-small-cooperative-apartment-if-i-file-for-bankruptcy-will-i-lose-my-apartment/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:50:20 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=163</guid>
		<description><![CDATA[If the fair market value of the apartment, after deducting any mortgages, is less than $50,000 singly, or $100,000 for a married couple filing jointly, the apartment would be exempt under the new bankruptcy laws in New York. (Courtesy of Association of the Bar of the City of New York)]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Is it true that the new bankruptcy laws eliminate any chance for me to get a fresh start free of credit card debt?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/is-it-true-that-the-new-bankruptcy-laws-eliminate-any-chance-for-me-to-get-a-fresh-start-free-of-credit-card-debt/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/is-it-true-that-the-new-bankruptcy-laws-eliminate-any-chance-for-me-to-get-a-fresh-start-free-of-credit-card-debt/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:49:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FAQ's]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=161</guid>
		<description><![CDATA[No, everyone still has the right to file for bankruptcy under New York Bankruptcy Law and receive a fresh start. Most people will still be able to qualify for chapter 7 under the new bankruptcy laws. If a filer earns more than the NY State median household income, they may be required to repay part [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Does the new bankruptcy laws mean that people can no longer file for bankruptcy?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/does-the-new-bankruptcy-laws-mean-that-people-can-no-longer-file-for-bankruptcy/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/does-the-new-bankruptcy-laws-mean-that-people-can-no-longer-file-for-bankruptcy/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:47:36 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=158</guid>
		<description><![CDATA[No, the new bankruptcy laws do not greatly affect the amount of people able to file for bankruptcy under New York Bankruptcy Law. The new bankruptcy laws make it more difficult to file a liquidating bankruptcy under Chapter 7 but if a filer does not qualify for Chapter 7, they may still qualify for Chapter [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Would my credit be destroyed by filing for bankruptcy in New York?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/would-my-credit-be-destroyed-by-filing-for-bankruptcy-in-new-york/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/would-my-credit-be-destroyed-by-filing-for-bankruptcy-in-new-york/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:46:19 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=155</guid>
		<description><![CDATA[Not necessarily. The effect a bankruptcy has on one’s credit is greatly dependent on the filer’s ability to pay their bills both prior to filing for bankruptcy and after bankruptcy procedures have been completed. Therefore, bankruptcy may have little to no net affect on a filer’s credit rating. However, a bankruptcy will remain on a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Will I lose my house if I file for bankruptcy?</title>
		<link>http://www.mynybankruptcy.com/2009/12/10/will-i-lose-my-house-if-i-file-for-bankruptcy/</link>
		<comments>http://www.mynybankruptcy.com/2009/12/10/will-i-lose-my-house-if-i-file-for-bankruptcy/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 19:45:26 +0000</pubDate>
		<dc:creator>Editor</dc:creator>
				<category><![CDATA[FAQ's]]></category>

		<guid isPermaLink="false">http://www.mynybankruptcy.com/?p=153</guid>
		<description><![CDATA[That is not necessarily the case. In fact, under New York Bankruptcy Law, a chapter 13 bankruptcy filing is often utilized as a strategy to prevent foreclosure. Last August the new bankruptcy laws amending New York Bankruptcy Law increased the homestead exemption to $50,000 per person ($100,000 for husband and wife/ joint filers). This means [...]]]></description>
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