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	<title>Truth in Foreclosure &#187; Law &amp; Taxes</title>
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		<title>10 Ways to Delay a Foreclosure Sale</title>
		<link>http://www.truthinforeclosure.com/10-ways-to-delay-a-foreclosure-sale</link>
		<comments>http://www.truthinforeclosure.com/10-ways-to-delay-a-foreclosure-sale#comments</comments>
		<pubDate>Wed, 12 May 2010 11:27:51 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[foreclosure timeline]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[litigation]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1910</guid>
		<description><![CDATA[Once you receive the foreclosure sale notice, panic often sets in. You think you're going to lose your home no matter what and the sheriff's coming soon to put your family out on the street. These 10 strategies can help you delay the sale. Delaying the sale could...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bankruptcy and Foreclosure &#8211; 6 Terms You MUST Know to Stay Out of Trouble</title>
		<link>http://www.truthinforeclosure.com/bankruptcy-and-foreclosure-6-terms-you-must-know-to-stay-out-of-trouble</link>
		<comments>http://www.truthinforeclosure.com/bankruptcy-and-foreclosure-6-terms-you-must-know-to-stay-out-of-trouble#comments</comments>
		<pubDate>Tue, 20 Apr 2010 11:45:56 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[automatic stay]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1874</guid>
		<description><![CDATA[If you know these terms you'll be miles ahead of most people walking into a bankruptcy lawyer's office.  Do you know what an automatic stay is?  What about discharge or exemptions?  If not, you need to come read this article!]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Produce the Note Campaign Produces Uncertainty for You</title>
		<link>http://www.truthinforeclosure.com/produce-the-note-campaign-produces-uncertainty-for-you</link>
		<comments>http://www.truthinforeclosure.com/produce-the-note-campaign-produces-uncertainty-for-you#comments</comments>
		<pubDate>Mon, 08 Mar 2010 12:04:25 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[judicial foreclosure]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[litigation]]></category>
		<category><![CDATA[mortgage deed]]></category>
		<category><![CDATA[non-judicial foreclosure]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1786</guid>
		<description><![CDATA[There’s been a lot of reports in the news and on foreclosure websites about the Produce the Note campaign. There havve been a few landmark cases where homeowners have been able to get their homes awarded to them by the court (and the mortgage nullified) because their lender couldn’t produce the actual deed of trust promissory note that proved they owned the mortgage.  According to the OptionARM Lawyer Blog, there was a recent California court ruling on a case where the homeowner’s sole defense was that the lender couldn’t produce the note. Here’s a synopsis of what happened.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/produce-the-note-campaign-produces-uncertainty-for-you/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>Continuing the Predatory Lending Fight</title>
		<link>http://www.truthinforeclosure.com/continuing-the-predatory-lending-fight</link>
		<comments>http://www.truthinforeclosure.com/continuing-the-predatory-lending-fight#comments</comments>
		<pubDate>Wed, 27 Jan 2010 11:58:07 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[litigation]]></category>
		<category><![CDATA[NACA]]></category>
		<category><![CDATA[predatory lenders]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1710</guid>
		<description><![CDATA[NACA’s campaign against Fleet focused national attention to the issue of predatory lending. NACA brought over 400 people to testify in front of the Senate banking committee and has been able to get banks such as Wells Fargo to reduce the customer payoffs by up to $20,000 because of Truth in Lending Violations...find out more at the site...]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>HAMP Update &#8212; IRS Extends Submission Period for 4506-T/4506T-EZ</title>
		<link>http://www.truthinforeclosure.com/irs-extends-4506-submission-period</link>
		<comments>http://www.truthinforeclosure.com/irs-extends-4506-submission-period#comments</comments>
		<pubDate>Thu, 07 Jan 2010 11:59:11 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[Home Affordable Modification]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1653</guid>
		<description><![CDATA[On December 18, 2009, the Internal Revenue Service (IRS) published Notice 2010-8 (on IRS.gov) providing interim rules for Forms 4506-T and 4506T-EZ, which extend the period from 60 days to 120 days in which a signed and dated authorization must be received by the IRS in order for it to be effective.  Come see exactly what this means for you and your mortgage workout plan...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Six Reasons to Hire a Foreclosure Lawyer</title>
		<link>http://www.truthinforeclosure.com/six-reasons-to-hire-a-foreclosure-lawyer</link>
		<comments>http://www.truthinforeclosure.com/six-reasons-to-hire-a-foreclosure-lawyer#comments</comments>
		<pubDate>Tue, 13 Oct 2009 11:48:25 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[law overview]]></category>
		<category><![CDATA[litigation]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=1612</guid>
		<description><![CDATA[Find out the 6 reasons you want to use a lawyer in your foreclosure battle.  While they aren't necessary in every case, they are often extremely helpful and worth what you spend on them.  And they're often not as expensive as you might think.  Come read the article where I give the 6 reason to use one as well as some resources to find expert consumer attornies that won't strip the shirt off your back.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/six-reasons-to-hire-a-foreclosure-lawyer/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cheat the IRS</title>
		<link>http://www.truthinforeclosure.com/cheat-the-irs</link>
		<comments>http://www.truthinforeclosure.com/cheat-the-irs#comments</comments>
		<pubDate>Mon, 05 Jan 2009 05:32:39 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[state laws]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[workout]]></category>
		<category><![CDATA[workout plan]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=832</guid>
		<description><![CDATA[Will you have to pay income tax on the "phantom" income you recieve from your lender if your mortgage workout succeeds?  The answer is probably no because in late 2007, Congress passed a bill that provides a special tax relief provision...see if you qualify...]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/cheat-the-irs/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>What is a Foreclosure?</title>
		<link>http://www.truthinforeclosure.com/what-is-a-foreclosure</link>
		<comments>http://www.truthinforeclosure.com/what-is-a-foreclosure#comments</comments>
		<pubDate>Sat, 19 Jan 2008 22:51:17 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[judicial foreclosure]]></category>
		<category><![CDATA[non-judicial foreclosure]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=798</guid>
		<description><![CDATA[When solving problems, it's often helpful to define them.  The idea of a foreclosure does not apply solely to home loans...a lender could foreclose on any loan if it is past due.  But you're probably on the site to find out about a home foreclosure.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/what-is-a-foreclosure/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Long Does a Foreclosure Take?</title>
		<link>http://www.truthinforeclosure.com/how-long-does-a-foreclosure-take</link>
		<comments>http://www.truthinforeclosure.com/how-long-does-a-foreclosure-take#comments</comments>
		<pubDate>Thu, 10 Jan 2008 02:41:23 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[foreclosure timeline]]></category>
		<category><![CDATA[judicial foreclosure]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[non-judicial foreclosure]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=378</guid>
		<description><![CDATA[How long a foreclosure takes to complete and the process it follows depends on whether it is a Judicial or Non-Judicial foreclosure.  There are similarities between the two as well.  Find out what you can expect in your situation and how to be proactive rather than reactive. ]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/how-long-does-a-foreclosure-take/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Judicial, Non-Judicial, and Why It Matters to You</title>
		<link>http://www.truthinforeclosure.com/foreclosure-types</link>
		<comments>http://www.truthinforeclosure.com/foreclosure-types#comments</comments>
		<pubDate>Wed, 09 Jan 2008 02:56:54 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[foreclosure timeline]]></category>
		<category><![CDATA[judicial foreclosure]]></category>
		<category><![CDATA[lender mediation]]></category>
		<category><![CDATA[lender negotiation]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loss mitigation]]></category>
		<category><![CDATA[negotiation]]></category>
		<category><![CDATA[non-judicial foreclosure]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=380</guid>
		<description><![CDATA[There are two types of foreclosure:  Judicial and Non-Judicial.  As you can probably tell from the names, Judicial goes through the court system while Non-Judicial doesn't.  Judicial foreclosures typically take longer than Non-Judicial foreclosures.  You can usually stay in your home until after the foreclosure sale in either type, but there are significant differences and you don't get to choose...the decision was made when you signed your mortgage paperwork.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/foreclosure-types/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>State Law Summary</title>
		<link>http://www.truthinforeclosure.com/state-law-summary</link>
		<comments>http://www.truthinforeclosure.com/state-law-summary#comments</comments>
		<pubDate>Sun, 30 Dec 2007 02:54:14 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[deed of trust]]></category>
		<category><![CDATA[deficiency judgments]]></category>
		<category><![CDATA[judicial foreclosure]]></category>
		<category><![CDATA[law overview]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[security instruments]]></category>
		<category><![CDATA[state laws]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=239</guid>
		<description><![CDATA[The following summaries give some information on individual state foreclosure laws. Timelines will vary depending on specific circumstances and each situation. The timelines noted within are based on uncontested actions and assume no delays. They give the time for the sale, then the running totals for various procedures, until the end, when the longest time [...]]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/state-law-summary/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>State Law Overview</title>
		<link>http://www.truthinforeclosure.com/state-law-overview</link>
		<comments>http://www.truthinforeclosure.com/state-law-overview#comments</comments>
		<pubDate>Sun, 30 Dec 2007 01:22:20 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[General Info]]></category>
		<category><![CDATA[Law & Taxes]]></category>
		<category><![CDATA[deed of trust]]></category>
		<category><![CDATA[law overview]]></category>
		<category><![CDATA[mortgage deed]]></category>
		<category><![CDATA[state laws]]></category>

		<guid isPermaLink="false">http://www.truthinforeclosure.com/?p=219</guid>
		<description><![CDATA[Foreclosures are regulated by state laws and these laws can change quickly in today's environment. This page lists each state according to whether they are Mortgage, Deed of Trust or both.]]></description>
		<wfw:commentRss>http://www.truthinforeclosure.com/state-law-overview/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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