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	<title>Law Offices of Louis J. Esbin</title>
	<link>http://esbinlaw.com/blog</link>
	<description></description>
	<lastBuildDate>Fri, 09 Jul 2010 16:35:47 +0000</lastBuildDate>
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		<title>Thomas Jefferson &#8211; Revisited</title>
		<description><![CDATA[Back in February 2009, Congress had the opportunity to pass sweeping bankruptcy reform that would have allowed judges to modify the terms of mortgages on home residences.&#160; The House passed the legislation, but the Senate never took up the debate a...]]></description>
		<link>http://activerain.com/blogsview/1735731/thomas-jefferson-revisited</link>
			</item>
	<item>
		<title>Bankuptcy Update &#8211; Lien Stripping</title>
		<description><![CDATA[A recent published decision by the Bankruptcy Appellate Panel for the Ninth Circuit affirmed a lower court decision that sends Chapter 13 Debtors out into the cold.&#160; In this decision (in which I represented the debtor trying to save their home) th...]]></description>
		<link>http://activerain.com/blogsview/1735695/bankuptcy-update-lien-stripping</link>
			</item>
	<item>
		<title>Bankruptcy Basics Video</title>
		<description><![CDATA[
			
				
			
		
Introduction
Bankruptcy is a  legal process that provides relief to many individuals who can no longer  pay all of their debts.
Running Time: (2:38)
Click  here to view U.S. Courts Bankruptcy Basics Videos
]]></description>
		<link>http://esbinlaw.com/blog/?p=69</link>
			</item>
	<item>
		<title>The More Things Change&#8230;. The More They Stay the Same!</title>
		<description><![CDATA[How profound:

I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and co...]]></description>
		<link>http://activerain.com/blogsview/1531315/the-more-things-change-the-more-they-stay-the-same-</link>
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		<title>Are We Seeing the Growth of the Next Residential Real Estate Bubble?</title>
		<description><![CDATA[Consider the following points when considering whether we are witnessing the next residential real estate bubble:

The U.S. Census Bureau released median income statistics on September 21, 2009.&#160; Do your buyers' have income above or below the Medi...]]></description>
		<link>http://activerain.com/blogsview/1405142/are-we-seeing-the-growth-of-the-next-residential-real-estate-bubble-</link>
			</item>
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		<title>Short Sales &#8211; Warning!  You May Cause Your Client to Fail the Means Test</title>
		<description><![CDATA[A recent email to a client follows, and should be a fair warning to have clients consult with bankruptcy counsel before execution of short sale purchase and sale documents:

As a result of the short sale of your home before you file bankruptcy you will...]]></description>
		<link>http://activerain.com/blogsview/1391550/short-sales-warning-you-may-cause-your-client-to-fail-the-means-test</link>
			</item>
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		<title>House of Representatives Fails to Pass Loan Modification Bankruptcy Legislation</title>
		<description><![CDATA[Although the House of Representatives passed legislation earlier in 2009 to allow Bankruptcy Judges to modify loans secured only by a debtor's principal residence, 50 Democrats reversed themselves and rejected similar legislation recently introduced in...]]></description>
		<link>http://activerain.com/blogsview/1381087/house-of-representatives-fails-to-pass-loan-modification-bankruptcy-legislation</link>
			</item>
	<item>
		<title>Chapter 13 Primer</title>
		<description><![CDATA[Commencing a Chapter 13 Case
&#8211;A Chapter 13 bankruptcy case begins with the filing of the bankruptcy petition.
&#8211;Upon the filing of the petition an automatic stay arises that prohibits creditors from taking any further action to collect a deb...]]></description>
		<link>http://activerain.com/blogsview/1338144/chapter-13-primer</link>
			</item>
	<item>
		<title>Bank Executives Should Be Denied Pay Raises</title>
		<description><![CDATA[As reported on MSNBC.com (Nov. 1, 2009):
Executives of America's 28 largest banks will meet with Federal Reserve supervisors on Monday to discuss the Fed's plan to police banks' pay policies, officials said Friday.
Consumer spending plunged in Septembe...]]></description>
		<link>http://activerain.com/blogsview/1315259/bank-executives-should-be-denied-pay-raises</link>
			</item>
	<item>
		<title>Beware of Bank Set Offs and Credit Union Seizures</title>
		<description><![CDATA[Here are Three Facts Every Client Must Know:
1.	If you bank where they borrow, the bank will seize funds as a set off, even if you file bankruptcy.
2. 	When a Bankruptcy Case is filed, certain banks, such as Wells Fargo and Union, will freeze accounts ...]]></description>
		<link>http://activerain.com/blogsview/1285939/beware-of-bank-set-offs-and-credit-union-seizures</link>
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