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	<title>Michigan Bankruptcy Lawyer Mike Shovan</title>
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	<description>Bankruptcy in Michigan</description>
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		<title>GO TO MEETING: A great tool for a virtual consultation!</title>
		<link>http://bankruptcy-in-michigan.com/2012/05/go-to-meeting-a-great-tool-for-a-virtual-consultation/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/05/go-to-meeting-a-great-tool-for-a-virtual-consultation/#comments</comments>
		<pubDate>Mon, 14 May 2012 12:40:00 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[We have started using GOTOMEETING.COM with great success. It is safe, secure and all you need is a computer, a phone and an internet connection. With GO TO MEETING, we can schedule a consultation or conference and provide you with the same advice that we provide in a face to face meeting. The benefits are [...]]]></description>
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		<title>Did you know that you can buy a &#8220;new&#8221; car in a CHAPTER 13 BANKRUPTCY?</title>
		<link>http://bankruptcy-in-michigan.com/2012/05/did-you-know-that-you-can-buy-a-new-car-in-a-chapter-13-bankruptcy/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/05/did-you-know-that-you-can-buy-a-new-car-in-a-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Mon, 14 May 2012 12:33:32 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Chapter 13]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=871</guid>
		<description><![CDATA[It&#8217;s true. You can buy a &#8220;new&#8221; (new used or sometimes even brand new) during your CHAPTER 13 BANKRUPTCY. Our Trustee, Tom McDonald, put together a program with several local dealers that allows debtors to purchase and finance a new car during their Chapter 13 proceeding. Sounds too good to be true &#8211; just wait [...]]]></description>
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		<title>What are the DEBT LIMITS for filing a CHAPTER 13 BANKRUPTCY?</title>
		<link>http://bankruptcy-in-michigan.com/2012/05/what-are-the-debt-limits-for-filing-a-chapter-13-bankruptcy/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/05/what-are-the-debt-limits-for-filing-a-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Sat, 12 May 2012 22:10:02 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Chapter 13]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=868</guid>
		<description><![CDATA[In order to qualify for a Chapter 13 Bankruptcy you are limited by the amount of your debt obligations by class: secured and unsecured. You can have up to $1,081,400 in secured debt and still file a Chapter 13 Bankruptcy in Michigan. You can have up to $360,475 in unsecured debt and still file a [...]]]></description>
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		<title>The new MEANS TEST numbers effective May 1, 2012 for filing Bankruptcy in Michigan</title>
		<link>http://bankruptcy-in-michigan.com/2012/05/the-new-means-test-numbers-effective-may-1-2012-for-filing-bankruptcy-in-michigan/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/05/the-new-means-test-numbers-effective-may-1-2012-for-filing-bankruptcy-in-michigan/#comments</comments>
		<pubDate>Sat, 12 May 2012 12:11:01 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=862</guid>
		<description><![CDATA[Effective May 1, 2012, here are the new MEANS TEST numbers for filing BANKRUPTCY IN MICHIGAN: 1 person household      $45,056 2 person household      $51,660 3 person household      $60,313 4 person household      $72,454 * Add $7,500 for each individual in excess of 4. Also remember that household size is based on &#8220;head in beds&#8221; &#8211; not [...]]]></description>
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		<title>Chapter 13: High Earners that cannot pass the Means Test</title>
		<link>http://bankruptcy-in-michigan.com/2012/05/chapter-13-high-earners-that-cannot-pass-the-means-test/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/05/chapter-13-high-earners-that-cannot-pass-the-means-test/#comments</comments>
		<pubDate>Sat, 12 May 2012 12:06:13 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=859</guid>
		<description><![CDATA[If you are a &#8220;high earner&#8221; &#8211; meaning your household income exceeds the MEDIAN INCOME established by the US Census Bureau and relied on by the US Bankruptcy Court &#8211; you may have to file a CHAPTER 13 BANKRUPTCY. The MEDIAN INCOMES* for Michigan households were just adjusted on May 1, 2012 and the average [...]]]></description>
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		<title>&#8220;GO TO MEETING&#8221; &#8211; The Virtual Connection for Bankruptcy Counsel in Michigan</title>
		<link>http://bankruptcy-in-michigan.com/2012/05/go-to-meeting-the-virtual-connection-for-bankruptcy-counsel-in-michigan/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/05/go-to-meeting-the-virtual-connection-for-bankruptcy-counsel-in-michigan/#comments</comments>
		<pubDate>Sat, 12 May 2012 11:27:34 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=857</guid>
		<description><![CDATA[We have been using &#8220;GO TO MEETING&#8221; with incredible success. We just schedule a time to meet online and we send you a link and a password and we connect &#8220;ONLINE&#8221; for your BANKRUPTCY consultation. Just like an office visit, we can jump right on the computer and start entering numbers in to our &#8220;State [...]]]></description>
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		<title>Transportation Costs: The &#8220;Secret&#8221; Budget Killer in Bankruptcy</title>
		<link>http://bankruptcy-in-michigan.com/2012/05/transportation-costs-the-secret-budget-killer-in-bankruptcy/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/05/transportation-costs-the-secret-budget-killer-in-bankruptcy/#comments</comments>
		<pubDate>Sat, 12 May 2012 11:20:58 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=854</guid>
		<description><![CDATA[With gas prices pushing $4.00 a gallon &#8211; many people are unaware of the actual expenses incurred in operating their cars. With married couples everything doubles and then start adding kids and your budget goes red in a hurry. Transportation costs include not only gas, but the following: Oil changes; tires; brakes; fluids; car washes; [...]]]></description>
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		<title>Why do Successful people file for Bankruptcy in Michigan?</title>
		<link>http://bankruptcy-in-michigan.com/2012/04/why-do-successful-people-file-for-bankruptcy-in-michigan/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/04/why-do-successful-people-file-for-bankruptcy-in-michigan/#comments</comments>
		<pubDate>Sat, 28 Apr 2012 13:20:30 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=841</guid>
		<description><![CDATA[Successful people file for BANKRUPTCY because they understand the brilliance of the BANKRUPTCY CODE. Here it is in a nutshell: 1. AUTOMATIC STAY.The minute you file all collections, foreclosures and garnishments stop. 2. EXEMPTIONS. The federal exemption allowances allow you to keep all of your property and your 401k (up to $1,000,000 &#8211; yes, that&#8217;s [...]]]></description>
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		<title>Budget, Budget, Budget</title>
		<link>http://bankruptcy-in-michigan.com/2012/04/budget-budget-budget/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/04/budget-budget-budget/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 00:57:08 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=837</guid>
		<description><![CDATA[Budgeting is the key to success in life. You don&#8217;t need to buy a book or go to a Dave Ramsey show. All you need to do is google &#8220;simple budget.&#8221; It&#8217;s a free spreadsheet that will help you get started with budgeting. I am in shock at the number of people who have no [...]]]></description>
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		<title>Am I Too Tough to be Your Bankruptcy Lawyer?</title>
		<link>http://bankruptcy-in-michigan.com/2012/04/am-i-too-tough-to-be-your-bankruptcy-lawyer/</link>
		<comments>http://bankruptcy-in-michigan.com/2012/04/am-i-too-tough-to-be-your-bankruptcy-lawyer/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 00:53:14 +0000</pubDate>
		<dc:creator>Mike Shovan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://bankruptcy-in-michigan.com/?p=835</guid>
		<description><![CDATA[Maybe. This past week I sat through a session with a couple who left feeling offended at the truth of their situation. We went through their budget and they could not afford their life style.  Just remember &#8211; the numbers don&#8217;t lie. If you can&#8217;t afford your house in the neighborhood of your dreams than [...]]]></description>
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