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Date	Fairness.com Resource	Read it at:
Apr 04, 2013	As economy flails, debtors' prisons thrive (MoneyWatch) QUOTE: Thousands of Americans are sent to jail not for committing a crime, but because they can't afford to pay for traffic tickets, medical bills and court fees. If that sounds like a debtors' prison, a legal relic which was abolished in this country in the 1830s, that's because it is. And courts and judges in states across the land are violating the Constitution by incarcerating people for being unable to pay such debts.	CBS News
Sep 07, 2009	Insured, but Bankrupted Anyway (Prescriptions) QUOTE: The forecast for this year is that there will be 1.4 million to 1.5 million total bankruptcy filings. Our data say 62 percent of those will be medical.	New York Times
Aug 26, 2009	Adjustable Mortgages Loom as Threat to Housing Recovery QUOTE: Mr. [Harvey] Clavon is part of what many economists say is a looming threat to a housing recovery — more than a half-million option ARMs [adjustable rate mortgage] scheduled to reset in the next four years, at rates many homeowners cannot afford.	New York Times
Aug 11, 2009	Bankruptcy Judges, Justice Dept. Rip Mortgage Companies QUOTE: Judges have found that major mortgages servicers regularly mess up basic accounting, improperly credit payments and charge unwarranted fees.
Apr 20, 2008	Piling On: Borrowers Buried by Fees QUOTE: SLOWLY but surely, a handful of public-minded bankruptcy court judges are drawing back the curtain on the mortgage servicing business, exposing, among other questionable practices, the sundry and onerous fees that big banks and financial companies levy on troubled borrowers.	New York Times
Jan 08, 2008	Know your rights in bankruptcy QUOTE: ...it is very common for a [debt] collector to say, "Sorry, you did not include this account [when you filed for] bankruptcy, therefore, you must still pay it." If you do not know the laws regarding bankruptcy in your particular state, then you might believe the collector. Even worse, you could make a payment to the collector only to find out that your state law protects you.	Bankrate.com
Nov 06, 2007	Borrowers Face Dubious Charges in Foreclosures QUOTE: As record numbers of homeowners default on their mortgages, questionable practices among lenders are coming to light in bankruptcy courts, leading some legal specialists to contend that companies instigating foreclosures may be taking advantage of imperiled borrowers.	New York Times
Aug 01, 2006	5th Circuit: Employment Status Change Nixes Chapter 7 Bankruptcy QUOTE: In a case of first impression in the nation, the 5th Circuit found that a bankruptcy court can consider post-petition events -- particularly a debtor's changed employment status -- when deciding whether to dismiss a Chapter 7 petition.	Texas Lawyer
Mar 13, 2006	Bankrupt? Pay your full car-loan debt anyway QUOTE: The law used to allow some people who filed for Chapter 13 bankruptcy to escape a portion of their auto loan debt, keep their vehicles and pay a lower monthly payment...Now... Filers who want to keep driving their vehicles must pay the total amount owed if they purchased their vehicles within the 30 months prior to filing, regardless of the vehicles' actual values.	Bankrate.com
Jan 13, 2006	IRS Revoking Exemptions Of Credit Counselors QUOTE: The Internal Revenue Service has concluded that more than 30 credit-counseling firms -- accounting for more than half of the industry's revenue -- are not entitled to tax-exempt status.	Washington Post
Jan 10, 2006	One last try before foreclosure or bankruptcy QUOTE: Many creditors threaten legal action rather than informing the client of all the available options. An August 2005 survey by Freddie Mac shows that 61 percent of homeowners have no idea about their options to avoid foreclosure.	Bankrate.com
Dec 20, 2005	10 big bankruptcy blunders for 2006 QUOTE: If you're headed into bankruptcy in 2006 you're already in a bit of a mess. The worst thing you can do now is to compound your problems. Of course there are many tried and true ways to do just that, but if you've decided the bankruptcy is the best solution to your problems, avoid committing one of these blunders:	Bankrate.com
Dec 06, 2005	Welcome to a crueler bankruptcy world QUOTE: Credit card companies lobbied our country's elected representatives and asked them to pass laws to prevent this. It was a good idea, in theory. In practice, the laws increased bankruptcy attorneys' responsibilities.	Bankrate.com
Nov 07, 2005	Debt negotiators can crush your credit QUOTE: Beware of companies that promise to cut your bills in half by negotiating lower payoff amounts from creditors. Sign on with a debt negotiator or debt-settlement company and your credit rating and your wallet could take some serious hits. If high fees and trashed credit aren't bad enough, you may also owe taxes on any debt that gets wiped away.	Bankrate.com
Oct 14, 2005	Bankruptcy Law Is Criticized for Creditors' Role in Counseling QUOTE: A requirement of the new bankruptcy law that sends Americans into credit counseling before they can erase their debts is drawing criticism from consumer advocates, bankruptcy lawyers and financial educators, who are concerned that the creditors are subsidizing the counseling.	New York Times
Oct 06, 2005	Bankruptcy Rules to Ease For Victims Of Disasters QUOTE: The Justice Department's trustee program, which oversees bankruptcy courts, said it would relax the strict Chapter 7 rules for victims of hurricanes and other natural disasters...	Washington Post
Sep 20, 2005	Understanding the new bankruptcy law QUOTE: The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, designed to curb abusive consumer bankruptcy filings, affects anyone who files for bankruptcy. It went into effect Oct. 17. While there are a few bright spots in the law, the overall picture is dim for consumers deeply in debt.	Bankrate.com
Sep 13, 2005	Taken to court for credit card debt QUOTE: At the point that the courts become involved it is a very serious matter. You might try to disappear, but most people who attempt to use this strategy incur a lot of costs moving from one job to another and eventually are still found by the creditor.	Bankrate.com
Sep 06, 2005	Fame & Fortune: Bruce 'The Ethics Guy' Weinstein QUOTE: ...even if one files for bankruptcy and no longer has a legal obligation to repay one's creditors, that doesn't mean one does not have an ethical obligation to pay them back. When we borrow money, whether from a friend, relative or a bank, we're making a promise to re-pay our creditors. Even if bankruptcy laws allow us to wipe out our debt, the people who loaned us money did so in good faith and rightly expect to be re-paid.	Bankrate.com
May 24, 2005	8 steps to take before bankruptcy QUOTE: Try to improve your situation and, since the clock is ticking, investigate the bankruptcy option. No matter which way you go, here are a few things to try in the meantime to bring your debts under control...	Bankrate.com
Oct 13, 2004	Ask Dr. Don: Negotiating a debt settlement QUOTE: If you're current on your bills, credit card companies aren't going to negotiate with you and accept 50 cents on the dollar. If they've already written off your account, they may be willing to negotiate and accept partial payment. With partial payment the ideal situation is to negotiate with the creditor to accept both partial payment and list your account with the credit bureaus as "paid as agreed" or "paid in full."	Bankrate.com
Sep 28, 2004	13 tips to avoid hiring a bad bankruptcy attorney QUOTE: Nobody wants a no-show or incompetent attorney, especially when it's your financial future in the balance. That's why you need to do some research before hiring a bankruptcy lawyer.	Bankrate.com
Jan 09, 2003	The basics of bankruptcy QUOTE: If you're thinking about filing for bankruptcy, here is what you can expect from the process:	Bankrate.com
Jul 12, 2002	Homes Remain Rogue Executives' Castles Under Loophole QUOTE: Known as the unlimited homestead exemption, [a] loophole allows bankrupt debtors in six states...to shield unlimited amounts of equity in luxurious estates.	Washington Post
Jul 06, 2001	In Florida, Fraud Doesn't Matter. Will Congress Object? ...Congress will crack down on struggling families that do not plan bankruptcies well. The question is whether it will close the loophole that allows some people to live in luxury while stiffing their creditors....	New York Times
Jan 01, 1111	Ten Common Bankruptcy Mistakes QUOTE: Some debtors get into trouble because they try to manipulate the system or they outright lie and cheat...Many more people turn their lawyers' hair gray with well-intentioned but ill-conceived efforts at making the most of a bad situation.	Dummies.com

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