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	<title>Usman Law Firm, LLC</title>
	<link>http://UsmanLaw.com</link>
	<description>FREE CONSULTATION. Bankruptcy, Accidents, Divorce, and Immigration. Your Emergency Becomes Our Priority. Madison, WI.</description>
	<lastBuildDate>Sun, 15 Nov 2009 19:58:31 +0000</lastBuildDate>
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	<item>
		<title>Factors that determine credit scores</title>
		<description><![CDATA[ 


Payment History
Outstanding Credit balances
Credit History
Type of Credit
Inquiries






]]></description>
		<link>http://UsmanLaw.com/factors-that-determine-credit-scores</link>
			</item>
	<item>
		<title>What types of income do I have to include in my bankruptcy?</title>
		<description><![CDATA[ALL income.
Examples:

Rental Income
Business Income
Investment Income
Child Support, Alimony, and Maintenance
Gambling Winnings
Pensions and Retirement Income
Individual Retirement Account (IRA) Withdrawals
Life Insurance Policy Withdrawals
Money received through Inheritance
Social Security / SSDI Benefits
Disability Payments
Unemployment Insurance Proceeds
Workman’s Compensation
Food Stamps or Welfare
Annuity payments
Regular Contributions from others in the household
Payment on Notes and Mortgages you own

]]></description>
		<link>http://UsmanLaw.com/what-types-of-income-do-i-have-to-include-in-my-bankruptcy</link>
			</item>
	<item>
		<title>What is replacement value?</title>
		<description><![CDATA[Replacement value means the price a retail merchant would charge taking into account age and condition of property.
]]></description>
		<link>http://UsmanLaw.com/what-is-replacement-value</link>
			</item>
	<item>
		<title>Can I keep a Credit Card out of my Bankruptcy?</title>
		<description><![CDATA[Many clients ask me if they can keep their favorite credit card out of bankruptcy for an emergency. You can keep a zero balance credit card out of bankruptcy. It however will most likely be cancelled. The credit card companies usually find out about the bankruptcy and cancel your card.
]]></description>
		<link>http://UsmanLaw.com/can-i-keep-a-credit-card-out-of-my-bankruptcy</link>
			</item>
	<item>
		<title>Watch a Bankruptcy Meeting of Creditors</title>
		<description><![CDATA[
]]></description>
		<link>http://UsmanLaw.com/watch-a-bankruptcy-meeting-of-creditors</link>
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