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	<link>http://dcandmarylandcreditanddebtattorney.com</link>
	<description></description>
	<pubDate>Sat, 06 Feb 2010 18:02:58 +0000</pubDate>
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		<title>Maryland Consumer Rights Coalition Releases Report on Debt Settlement Companies</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/maryland-consumer-rights-coalition-releases-report-on-debt-settlement-companies</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/maryland-consumer-rights-coalition-releases-report-on-debt-settlement-companies#comments</comments>
		<pubDate>Thu, 04 Feb 2010 17:47:11 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Credit Scores]]></category>

		<category><![CDATA[Debt Collections]]></category>

		<category><![CDATA[Debt Negotiation]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[debt settlement]]></category>

		<category><![CDATA[debt settlement companies]]></category>

		<category><![CDATA[Maryland Consumer Rights Coaltion]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2397</guid>
		<description><![CDATA[The Maryland Consumer Rights Coalition (MCRC) and Maryland Attorney General Doug Gansler recently announced the publication of MCRC&#8217;s report &#8220;Debt Settlement in Maryland:  Compounding Problems, Deepening Debt.&#8221;
Click here for a copy of the report.
As you might guess from its title, the report paints a pretty dire picture of debt settlement companies.
The report examines the following:

Problems [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/maryland-consumer-rights-coalition-releases-report-on-debt-settlement-companies/feed</wfw:commentRss>
		</item>
		<item>
		<title>How does Bankruptcy Affect a Security Clearance?</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/bankruptcy-and-security-clearances</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/bankruptcy-and-security-clearances#comments</comments>
		<pubDate>Thu, 21 Jan 2010 16:21:17 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Bankruptcy General Information]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[Chapter 7 bankruptcy]]></category>

		<category><![CDATA[security clearance]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2367</guid>
		<description><![CDATA[Many people living in the greater Washington, D.C. area are required by their employers to maintain security clearances.  But what happens to a person&#8217;s security clearance if he or she files for bankruptcy?
The bankruptcy code generally prohibits an employer from discriminating against an employee if he or she files for bankruptcy.  But, a [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/bankruptcy-and-security-clearances/feed</wfw:commentRss>
		</item>
		<item>
		<title>Mann Bracken&#8217;s Cases Dismissed, But Consumers Should Remain Vigilant</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/mann-brackens-cases-dismissed-but-consumers-should-remain-vigilant</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/mann-brackens-cases-dismissed-but-consumers-should-remain-vigilant#comments</comments>
		<pubDate>Sat, 16 Jan 2010 16:55:06 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Debt Collections]]></category>

		<category><![CDATA[Debt Lawsuits]]></category>

		<category><![CDATA[Garnishments]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[debt collector lawsuit]]></category>

		<category><![CDATA[Mann Bracken]]></category>

		<category><![CDATA[unlicensed debt collector]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2361</guid>
		<description><![CDATA[Debt collection law firm Mann Bracken&#8217;s pending lawsuits are being dismissed without prejudice in Maryland courts.
The article at this link discusses statute of limitations, settlement, and garnishment issues for pending cases and cases that have already reached judgment.
If your case is supposed to be dismissed, be sure to follow up and ensure that it is [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/mann-brackens-cases-dismissed-but-consumers-should-remain-vigilant/feed</wfw:commentRss>
		</item>
		<item>
		<title>Mann Bracken LLC Ordered to Cease Collection Activities in Maryland</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/mann-bracken-llc-ordered-to-cease-collection-activities-in-maryland</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/mann-bracken-llc-ordered-to-cease-collection-activities-in-maryland#comments</comments>
		<pubDate>Thu, 14 Jan 2010 15:09:44 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Debt Collections]]></category>

		<category><![CDATA[Debt Lawsuits]]></category>

		<category><![CDATA[Garnishments]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[debt collection]]></category>

		<category><![CDATA[Mann Bracken]]></category>

		<category><![CDATA[unlicensed debt collector]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2351</guid>
		<description><![CDATA[The Maryland Commissioner of Financial Regulation has suspended Mann Bracken&#8217;s collection agency license in the state of Maryland and ordered it to immediately cease all collection activities, including pending litigation.
Defendants in cases for which Mann Bracken is Plaintiff&#8217;s counsel should consider how this affects their cases, garnishments, or settlements.
Please see text of order at this [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/mann-bracken-llc-ordered-to-cease-collection-activities-in-maryland/feed</wfw:commentRss>
		</item>
		<item>
		<title>Fannie Mae Announces Deed for Lease (D4L) Program</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/fannie-mae-announces-deed-for-lease-d4l-program</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/fannie-mae-announces-deed-for-lease-d4l-program#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:09:39 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Foreclosure]]></category>

		<category><![CDATA[Mortgage Modification]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[Fannie Mae D4L]]></category>

		<category><![CDATA[Fannie Mae Deed for Lease]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2301</guid>
		<description><![CDATA[Yesterday Fannie Mae announced a program that lets homeowners lease back their former homes after they have returned the deed to the lender in a deed-in-lieu of foreclosure transaction.  The program is called the &#8220;Deed for Lease&#8221; program or &#8220;D4L.&#8221;
It&#8217;s unclear how this would be better than mortgage modification or how this will work for [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/fannie-mae-announces-deed-for-lease-d4l-program/feed</wfw:commentRss>
		</item>
		<item>
		<title>Chapter 7 Bankruptcy:  Mortgage Reaffirmations and Modifications, Part II</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-mortgage-reaffirmations-and-modifications-part-ii</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-mortgage-reaffirmations-and-modifications-part-ii#comments</comments>
		<pubDate>Fri, 16 Oct 2009 13:32:41 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Bankruptcy General Information]]></category>

		<category><![CDATA[HAMP and HARP]]></category>

		<category><![CDATA[Mortgage Modification]]></category>

		<category><![CDATA[Chapter 7 bankruptcy]]></category>

		<category><![CDATA[mortgage reaffirmation]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2289</guid>
		<description><![CDATA[Here is more information on reaffirmation of mortgages in bankruptcy, including implications for modifications.  The linked article was written by Orlando, Florida bankruptcy attorney Jonathan Alper.
Mortgage Companies Refusing Loan Modifications to Some Chapter 7 Debtors 
]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-mortgage-reaffirmations-and-modifications-part-ii/feed</wfw:commentRss>
		</item>
		<item>
		<title>U.S. District Judge Finds Midland Credit Management Submitted False Affidavits in Debt Lawsuits</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/us-district-judge-finds-midland-credit-management-midland-funding-routinely-submits-false-affidavits-in-debt-lawsuits</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/us-district-judge-finds-midland-credit-management-midland-funding-routinely-submits-false-affidavits-in-debt-lawsuits#comments</comments>
		<pubDate>Sun, 04 Oct 2009 17:11:15 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Debt Collections]]></category>

		<category><![CDATA[Debt Lawsuits]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[custodian of records affidavit]]></category>

		<category><![CDATA[debt collection lawsuits]]></category>

		<category><![CDATA[false affidavit]]></category>

		<category><![CDATA[Karen Ware]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2223</guid>
		<description><![CDATA[U.S. District Judge for the Northern District of Ohio David Katz recently ruled that Midland Funding LLC and Midland Credit Management Inc. routinely submitted false affidavits in filing debt collection cases.]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/us-district-judge-finds-midland-credit-management-midland-funding-routinely-submits-false-affidavits-in-debt-lawsuits/feed</wfw:commentRss>
		</item>
		<item>
		<title>Midland Funding Ordered to Cease Unlicensed Collection Activities in Maryland; Statute of Limitations and FDCPA Issues Also Addressed</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/midland-funding-ordered-to-cease-unlicensed-collection-activities-in-maryland-statute-of-limitations-and-fdcpa-issues-also-addressed</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/midland-funding-ordered-to-cease-unlicensed-collection-activities-in-maryland-statute-of-limitations-and-fdcpa-issues-also-addressed#comments</comments>
		<pubDate>Sat, 03 Oct 2009 12:58:20 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Debt Collections]]></category>

		<category><![CDATA[Debt Lawsuits]]></category>

		<category><![CDATA[cease collection activities]]></category>

		<category><![CDATA[Fair Debt Collection Practices Act]]></category>

		<category><![CDATA[FDCPA]]></category>

		<category><![CDATA[Karen Ware]]></category>

		<category><![CDATA[Maryland Department of Labor]]></category>

		<category><![CDATA[Maryland DLLR]]></category>

		<category><![CDATA[Midland Credit Management]]></category>

		<category><![CDATA[Midland Funding]]></category>

		<category><![CDATA[SOL]]></category>

		<category><![CDATA[statute of limitations]]></category>

		<category><![CDATA[unlicensed debt collector]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2205</guid>
		<description><![CDATA[The Maryland Department of Labor, Licensing and Regulation recently issued a Cease and Desist Order to a group of San Diego-based debt collectors alleged to have engaged in extensive unlicensed and illegal collection activities in Maryland.
The Order also addresses statute of limitations and Fair Debt Collection Practices Act requirements.
All Collection Activities Must Stop
Midland Credit Management, [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/midland-funding-ordered-to-cease-unlicensed-collection-activities-in-maryland-statute-of-limitations-and-fdcpa-issues-also-addressed/feed</wfw:commentRss>
		</item>
		<item>
		<title>Chapter 7 Bankruptcy: Mortgage Reaffirmation and Mortgage Modification, Including HAMP</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-mortgage-reaffirmation-and-mortgage-modification-including-hamp</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-mortgage-reaffirmation-and-mortgage-modification-including-hamp#comments</comments>
		<pubDate>Sun, 20 Sep 2009 20:17:48 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Bankruptcy General Information]]></category>

		<category><![CDATA[HAMP and HARP]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[chapter 7 bankrupty]]></category>

		<category><![CDATA[HAMP]]></category>

		<category><![CDATA[modification]]></category>

		<category><![CDATA[Mortgage Modification]]></category>

		<category><![CDATA[mortgage reaffirmation]]></category>

		<category><![CDATA[reaffirm mortgage]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2177</guid>
		<description><![CDATA[We get a lot of questions about whether homeowners should reaffirm their mortgages DURING a Chapter 7 bankruptcy.
(Note:  reaffirming a mortgage AFTER a bankruptcy is completed / the filer receives his or her discharge is technically not authorized by the bankruptcy code.)
Many lenders tell homeowners their mortgage documents require them to reaffirm if they file [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-mortgage-reaffirmation-and-mortgage-modification-including-hamp/feed</wfw:commentRss>
		</item>
		<item>
		<title>What Happens to my HAMP Modification if I File for Bankruptcy?</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/what-happens-to-my-hamp-modification-if-i-file-for-bankruptcy</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/what-happens-to-my-hamp-modification-if-i-file-for-bankruptcy#comments</comments>
		<pubDate>Sun, 06 Sep 2009 19:25:46 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Bankruptcy General Information]]></category>

		<category><![CDATA[HAMP and HARP]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[Chapter 7 bankruptcy]]></category>

		<category><![CDATA[HAMP]]></category>

		<category><![CDATA[Karen Ware]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2147</guid>
		<description><![CDATA[Many homeowners sought HAMP modifications because they thought it would help them avoid bankruptcy.  But, mortgage servicers are not processing HAMP mortgage modifications nearly quickly enough to offer any real relief to homeowners.  With servicers refusing to even acknowledge receipt of modification documents, what now?
Many homeowners applied for HAMP modifications four or five months ago [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/what-happens-to-my-hamp-modification-if-i-file-for-bankruptcy/feed</wfw:commentRss>
		</item>
		<item>
		<title>Chapter 7 Bankruptcy and the Automatic Stay:  Will it Stop my Creditors?</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-and-the-automatic-stay-will-it-stop-my-creditors</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-and-the-automatic-stay-will-it-stop-my-creditors#comments</comments>
		<pubDate>Tue, 25 Aug 2009 13:29:53 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Bankruptcy General Information]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[bankruptcy automatic stay]]></category>

		<category><![CDATA[chapter 7 bankrupty]]></category>

		<category><![CDATA[Maryland bankruptcy attorney]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2098</guid>
		<description><![CDATA[After you file for bankruptcy, the court issues an order called an &#8220;automatic stay.&#8221; This stops many creditors from trying to collect from you.  This article discusses what the automatic stay can and cannot do for the bankruptcy filer.
What does the automatic stay prevent or stop?
Calls and letters from creditors and debt collectors
Once notified of [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-and-the-automatic-stay-will-it-stop-my-creditors/feed</wfw:commentRss>
		</item>
		<item>
		<title>Chapter 7 Bankruptcy:  What Documents Do I Need?</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-what-documents-do-i-need</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-what-documents-do-i-need#comments</comments>
		<pubDate>Sun, 23 Aug 2009 19:13:24 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Bankruptcy General Information]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[bankruptcy documents]]></category>

		<category><![CDATA[bankruptcy paperwork]]></category>

		<category><![CDATA[Chapter 7 bankruptcy]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=2072</guid>
		<description><![CDATA[You may have heard there is a lot of paperwork involved in filing for bankruptcy.  To some extent this is true, but our office can help eliminate much of it by getting information about your creditors or tax transcripts directly from the credit bureaus and IRS.
You will still need to gather some documents, however.  A [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-what-documents-do-i-need/feed</wfw:commentRss>
		</item>
		<item>
		<title>Chapter 7 Bankruptcy:  Who Can File?</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-quiz-who-can-file</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-quiz-who-can-file#comments</comments>
		<pubDate>Sun, 23 Aug 2009 16:30:13 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Bankruptcy General Information]]></category>

		<category><![CDATA[Bankruptcy Legislative Developments]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[Chapter 7 bankruptcy]]></category>

		<category><![CDATA[qualify for bankruptcy]]></category>

		<category><![CDATA[Ware Law Office]]></category>

		<category><![CDATA[who can file bankruptcy]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=1793</guid>
		<description><![CDATA[Use the questions below to determine whether you are eligible to file Chapter 7 Bankruptcy.  If you need help with these questions, please feel free to call our office for a free phone consultation.
Question One:  Are you Eligible under the Income Guidelines?
Question Two:  Have You Previously Received a Bankruptcy Discharge?
Question Three:  Have you Had Another [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-quiz-who-can-file/feed</wfw:commentRss>
		</item>
		<item>
		<title>Chapter 7 Bankruptcy Overview:  What is it?</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-what-is-it-and-how-does-it-work</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-what-is-it-and-how-does-it-work#comments</comments>
		<pubDate>Thu, 20 Aug 2009 15:32:56 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Bankruptcy General Information]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[Chapter 7 bankruptcy]]></category>

		<category><![CDATA[Ware Law Office LLC]]></category>

		<category><![CDATA[what is bankruptcy]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=1955</guid>
		<description><![CDATA[Bankruptcy is a federal court process that helps consumers and businesses eliminate debts.  The two most common kinds of consumer bankruptcy are Chapter 7 and Chapter 13.  This post discusses the basics of Chapter 7 bankruptcy.
What is Chapter 7 bankruptcy?
Chapter 7 bankruptcy is what most people think of when they consider filing for  bankruptcy.  It [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/chapter-7-bankruptcy-what-is-it-and-how-does-it-work/feed</wfw:commentRss>
		</item>
		<item>
		<title>Effect of HAMP Mortgage Modifications on Credit Reports and Credit Scores</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/effect-of-hamp-mortgage-modifications-on-credit-reports-and-credit-scores</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/effect-of-hamp-mortgage-modifications-on-credit-reports-and-credit-scores#comments</comments>
		<pubDate>Wed, 12 Aug 2009 20:53:20 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Credit Reports]]></category>

		<category><![CDATA[Credit Scores]]></category>

		<category><![CDATA[HAMP and HARP]]></category>

		<category><![CDATA[Mortgage Modification]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[HAMP]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=1913</guid>
		<description><![CDATA[Recently our office has received many questions about the proper credit reporting of modified mortgages.
]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/effect-of-hamp-mortgage-modifications-on-credit-reports-and-credit-scores/feed</wfw:commentRss>
		</item>
		<item>
		<title>Bank of America, Wachovia, Wells Fargo HAMP Modification Performance Evaluated</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/bank-of-america-wachovia-wells-fargo-hamp-modification-performance-dismal</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/bank-of-america-wachovia-wells-fargo-hamp-modification-performance-dismal#comments</comments>
		<pubDate>Sun, 09 Aug 2009 15:52:54 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Foreclosure]]></category>

		<category><![CDATA[HAMP and HARP]]></category>

		<category><![CDATA[Mortgage Modification]]></category>

		<category><![CDATA[HAMP]]></category>

		<category><![CDATA[HAMP incentives]]></category>

		<category><![CDATA[HAMP servicer guidelines]]></category>

		<category><![CDATA[Ware Law Office LLC]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=1872</guid>
		<description><![CDATA[The Making Home Affordable Plan has released its August 2009 Servicer Performance Report.  The report analyzes the progress of the HAMP mortgage modification program.
The Data 
To date, Bank of America modified just 4 percent of eligible loans.  Wells Fargo has modified 6 percent.
Wachovia Corp. has modified a mere 2 percent of eligible loans. (Wachovia was [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/bank-of-america-wachovia-wells-fargo-hamp-modification-performance-dismal/feed</wfw:commentRss>
		</item>
		<item>
		<title>Have Your Wages Been Garnished in Maryland?  Tell the Court About Your Hardship</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/have-your-wages-been-garnished-in-maryland-tell-the-court-about-your-hardship</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/have-your-wages-been-garnished-in-maryland-tell-the-court-about-your-hardship#comments</comments>
		<pubDate>Fri, 07 Aug 2009 01:03:24 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Garnishments]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[garnishment]]></category>

		<category><![CDATA[Maryland wage garnishment]]></category>

		<category><![CDATA[wage garnishment]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=1859</guid>
		<description><![CDATA[If a debtor's wages are garnished in Maryland, the debtor can object to the garnishment on grounds of hardship.  This post discusses how to raise this objection.]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/have-your-wages-been-garnished-in-maryland-tell-the-court-about-your-hardship/feed</wfw:commentRss>
		</item>
		<item>
		<title>Maryland Foreclosure Prevention Project:  Foreclosure Solutions Workshop September 12, 2009 in Baltimore County</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/maryland-foreclosure-prevention-project-foreclosure-solutions-workshop-september-12-2009-in-baltimore-county</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/maryland-foreclosure-prevention-project-foreclosure-solutions-workshop-september-12-2009-in-baltimore-county#comments</comments>
		<pubDate>Wed, 05 Aug 2009 18:20:16 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Foreclosure]]></category>

		<category><![CDATA[Maryland Foreclosure Prevention Project]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=1841</guid>
		<description><![CDATA[There will be a Foreclosure Solutions Workshop on Saturday, September 12, 2009 in Baltimore County from 9:00 a.m. to 5:00 p.m. hosted by Congressman Elijah E. Cummings.
Homeowners should bring: (1) all paperwork related to current and former mortgages (including loan application, settlement paperwork and lender statements); (2) all foreclosure notices or threats of foreclosure received; [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/maryland-foreclosure-prevention-project-foreclosure-solutions-workshop-september-12-2009-in-baltimore-county/feed</wfw:commentRss>
		</item>
		<item>
		<title>Maryland Foreclosure Prevention Project:  Foreclosure Solutions Workshop on Saturday, August 29, 2009 in Prince George’s County</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/maryland-foreclosure-prevention-project-foreclosure-solutions-workshop-on-saturday-august-29-2009-in-prince-george%e2%80%99s-county</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/maryland-foreclosure-prevention-project-foreclosure-solutions-workshop-on-saturday-august-29-2009-in-prince-george%e2%80%99s-county#comments</comments>
		<pubDate>Wed, 05 Aug 2009 18:17:40 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Foreclosure]]></category>

		<category><![CDATA[Maryland Foreclosure Prevention Project]]></category>

		<category><![CDATA[foreclosure solutions workshop]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=1844</guid>
		<description><![CDATA[There will be a Foreclosure Solutions Workshop on Saturday, August 29, 2009 in Prince George’s County from 9:00 a.m. to 4:00 p.m. hosted by the Offices of Governor Martin O’Malley and Lt. Governor Anthony Brown.
Homeowners who pre-register are guaranteed a free legal consultation.
Homeowners should bring: (1) all paperwork related to current and former mortgages (including [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/maryland-foreclosure-prevention-project-foreclosure-solutions-workshop-on-saturday-august-29-2009-in-prince-george%e2%80%99s-county/feed</wfw:commentRss>
		</item>
		<item>
		<title>Opposing Bank Account Garnishments in District of Columbia</title>
		<link>http://dcandmarylandcreditanddebtattorney.com/garnishment-of-bank-accounts-in-district-of-columbia-dc</link>
		<comments>http://dcandmarylandcreditanddebtattorney.com/garnishment-of-bank-accounts-in-district-of-columbia-dc#comments</comments>
		<pubDate>Sun, 02 Aug 2009 20:30:17 +0000</pubDate>
		<dc:creator>Karen Ware</dc:creator>
		
		<category><![CDATA[Garnishments]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[D.C. garnishment]]></category>

		<category><![CDATA[D.C. garnishment attorney]]></category>

		<category><![CDATA[garnishment]]></category>

		<category><![CDATA[Ware Law Office LLC]]></category>

		<guid isPermaLink="false">http://dcandmarylandcreditanddebtattorney.com/?p=1809</guid>
		<description><![CDATA[If you are a D.C. resident whose bank account has been garnished or you have  a bank account located in D.C. that has been garnished, read the attached form carefully:
dc-garnishment-information

If you would like to request a hearing or exempt your funds from garnishment, file this form as soon as your bank notifies you of the [...]]]></description>
		<wfw:commentRss>http://dcandmarylandcreditanddebtattorney.com/garnishment-of-bank-accounts-in-district-of-columbia-dc/feed</wfw:commentRss>
		</item>
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