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	<title>Illinois Bankruptcy Attorneys &#124; Graham Benson, P.C.</title>
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	<description>A Bankruptcy Law Firm</description>
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		<title>What is Mortgage Modification</title>
		<link>http://www.graham-benson.com/2012/05/18/mortgage-modification/</link>
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		<pubDate>Fri, 18 May 2012 15:59:02 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=466</guid>
		<description><![CDATA[Put simply, mortgage modification is a process in which the company holding a mortgage agrees to a change in the terms of the mortgage in order to help a Southern Illinois homeowner in financial trouble. If the modification stops the homeowner from defaulting on the loan, the mortgage company ends up in better financial shape [...]]]></description>
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		<title>Bankruptcy and Foreclosure in Southern Illinois</title>
		<link>http://www.graham-benson.com/2012/05/16/southern-illinois-bankruptcy-foreclosure/</link>
		<comments>http://www.graham-benson.com/2012/05/16/southern-illinois-bankruptcy-foreclosure/#comments</comments>
		<pubDate>Wed, 16 May 2012 20:36:19 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=461</guid>
		<description><![CDATA[It&#8217;s not unusual for bankruptcy in Southern Illinois and foreclosure to go hand in hand. Many homeowners do their best to pay the monthly note, even if that means being unable to pay other creditors. By the time a foreclosure notice arrives, the overall financial situation is often bleak. It&#8217;s a situation faced by many [...]]]></description>
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		<title>Bankruptcy Exemptions in Illinois</title>
		<link>http://www.graham-benson.com/2012/04/24/bankruptcy-exemptions-illinois/</link>
		<comments>http://www.graham-benson.com/2012/04/24/bankruptcy-exemptions-illinois/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 18:00:31 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=446</guid>
		<description><![CDATA[Filing for personal bankruptcy is a serious step that can remain on your credit report for as long as 10 years. However, don&#8217;t be confused by the many myths surrounding bankruptcy. While it&#8217;s true that the bankruptcy trustee can seize and sell your assets to pay creditors, it&#8217;s also true that the overwhelming majority of [...]]]></description>
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		<title>The Truth about Credit Card Debt and Bankruptcy</title>
		<link>http://www.graham-benson.com/2012/04/20/credit-card-debt-bankruptcy/</link>
		<comments>http://www.graham-benson.com/2012/04/20/credit-card-debt-bankruptcy/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 18:00:39 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=448</guid>
		<description><![CDATA[There are a number of myths surrounding credit cards and bankruptcy. Many people believe that because credit cards represent unsecured debt, they can easily be discharged in a Chapter 7 personal bankruptcy case. Another myth is that once you are discharged from bankruptcy, it is impossible to get credit cards and recover your good credit [...]]]></description>
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		<title>Bankruptcy and the Elderly</title>
		<link>http://www.graham-benson.com/2012/04/16/bankruptcy-and-the-elderly/</link>
		<comments>http://www.graham-benson.com/2012/04/16/bankruptcy-and-the-elderly/#comments</comments>
		<pubDate>Mon, 16 Apr 2012 18:43:13 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=443</guid>
		<description><![CDATA[The recession that gripped the country shortly after the Housing Crisis in 2007 was a double blow for many Americans, particularly senior citizens. Investment portfolios were ravaged, and that meant retirement plans had to be delayed for many. For other seniors, the situation was even more serious. Without much investment income or equity in their [...]]]></description>
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		<title>Is Illinois Going Bankrupt?</title>
		<link>http://www.graham-benson.com/2012/04/12/illinois-going-bankrupt/</link>
		<comments>http://www.graham-benson.com/2012/04/12/illinois-going-bankrupt/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 17:22:06 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[bankruptcy laws]]></category>
		<category><![CDATA[bankruptcy lawyer]]></category>
		<category><![CDATA[bankruptcy protection]]></category>
		<category><![CDATA[chapter 9 bankruptcy]]></category>
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		<category><![CDATA[Illinois]]></category>
		<category><![CDATA[Illinois bankruptcy attorney]]></category>
		<category><![CDATA[Illinois bankruptcy lawyer]]></category>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=437</guid>
		<description><![CDATA[The housing crisis, combined with the recession, turned the five-year period from 2006 to 2010 into a fiscal nightmare for most of the country. Few states are in a more precarious financial situation than Illinois, according to most published reports. Bankruptcy would seem to be a potential answer to the state&#8217;s perilous fiscal condition. However, [...]]]></description>
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		<title>How to Recover from Bankruptcy</title>
		<link>http://www.graham-benson.com/2012/03/23/recover-from-bankruptcy/</link>
		<comments>http://www.graham-benson.com/2012/03/23/recover-from-bankruptcy/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 20:29:06 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=427</guid>
		<description><![CDATA[There is no worse mark a person can have on their credit report than a bankruptcy in Illinois. Bankruptcies wreck credit and stay on someone&#8217;s credit report for up to 10 years. It&#8217;s easy to focus on those facts after a bankruptcy and become emotionally distraught. However, there&#8217;s another side to bankruptcy that is just [...]]]></description>
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		<title>How to Avoid Bankruptcy Fraud</title>
		<link>http://www.graham-benson.com/2012/03/19/avoid-bankruptcy-fraud/</link>
		<comments>http://www.graham-benson.com/2012/03/19/avoid-bankruptcy-fraud/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 20:00:42 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=423</guid>
		<description><![CDATA[There are a number of actions a debtor can take leading up to the decision to file for bankruptcy that can be questioned as fraudulent by the bankruptcy trustee. In fact, federal bankruptcy law presumes a debtor has committed fraud if certain purchases or cash advances are made immediately before filing for bankruptcy protection. The [...]]]></description>
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		<title>Bankruptcy or Divorce &#8211; Which Should Take Place First?</title>
		<link>http://www.graham-benson.com/2012/03/15/bankruptcy-divorce/</link>
		<comments>http://www.graham-benson.com/2012/03/15/bankruptcy-divorce/#comments</comments>
		<pubDate>Thu, 15 Mar 2012 20:09:42 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
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		<guid isPermaLink="false">http://www.graham-benson.com/?p=415</guid>
		<description><![CDATA[It isn&#8217;t unusual for financial issues and divorce to go hand in hand. Money problems are frequently cited as one of the top reasons that couples separate. When bankruptcy and divorce are intermingled, it generally makes sense to pursue the bankruptcy first. In that situation, however, it&#8217;s important to consult an experienced bankruptcy attorney to [...]]]></description>
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		<title>Do Unemployment and Bankruptcy Go Hand in Hand?</title>
		<link>http://www.graham-benson.com/2012/03/12/unemployment-and-bankruptcy/</link>
		<comments>http://www.graham-benson.com/2012/03/12/unemployment-and-bankruptcy/#comments</comments>
		<pubDate>Mon, 12 Mar 2012 17:48:45 +0000</pubDate>
		<dc:creator>chris@stlouisseo.com</dc:creator>
				<category><![CDATA[blog]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>
		<category><![CDATA[Illinois Bankruptcy Courts]]></category>

		<guid isPermaLink="false">http://www.graham-benson.com/?p=412</guid>
		<description><![CDATA[Are you unemployed and unable to handle your monthly bills? You may be worried about filing for bankruptcy protection while unemployed. In fact, there may be no better time to liquidate the bulk of your debts and start over financially. It&#8217;s vital to consult a bankruptcy attorney before making any decisions, but there are a [...]]]></description>
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