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<title>Blogosm &#45; marks Lawfirm</title>

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<description>Blogosm &#45; marks Lawfirm</description>
<dc:language>en</dc:language>

<dc:rights>Copyright 2020 to 2026 Blogosm &#45; All Rights Reserved.</dc:rights>



<item>

<title>What Is a Car Loan &amp;quot;Cramdown&amp;quot;? How Chapter 13 Can Lower Your Vehicle Payments</title>

<link>https://blogosm.com/what-is-a-car-loan-cramdown-how-chapter-13-can-lower-your-vehicle-payments</link>

<guid>https://blogosm.com/what-is-a-car-loan-cramdown-how-chapter-13-can-lower-your-vehicle-payments</guid>

<description><![CDATA[ This rule is often called the &quot;910-day rule.&quot; If the vehicle was purchased within the last 910 days, a cramdown usually is not available. ]]></description>


<pubDate>Tue, 16 Jun 2026 16:01:46 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>car, loan, cramdown, chapter, 13, lower, vehicle, payments</media:keywords>


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<title>Living on a Chapter 13 Budget: What Qualifies as a &amp;quot;Reasonable and Necessary&amp;quot; Expense?</title>

<link>https://blogosm.com/living-on-a-chapter-13-budget-what-qualifies-as-a-reasonable-and-necessary-expense</link>

<guid>https://blogosm.com/living-on-a-chapter-13-budget-what-qualifies-as-a-reasonable-and-necessary-expense</guid>

<description><![CDATA[ Healthcare Expenses Medical costs are generally considered necessary. Examples include: Health insurance premiums Doctor visits Prescription medications Medical equipment Ongoing treatment expenses Individuals with chronic health conditions may have additional allowable medical expenses. ]]></description>


<pubDate>Tue, 16 Jun 2026 15:54:45 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>living, chapter, 13, budget, qualifies, reasonable, necessary, expense</media:keywords>


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<title>Should You Hide Your Car to Avoid Repossession? Why It Backfires</title>

<link>https://blogosm.com/should-you-hide-your-car-to-avoid-repossession-why-it-backfires</link>

<guid>https://blogosm.com/should-you-hide-your-car-to-avoid-repossession-why-it-backfires</guid>

<description><![CDATA[ Possible solutions may include: Payment Arrangements Some lenders may allow borrowers to catch up through modified payment plans. ]]></description>


<pubDate>Fri, 05 Jun 2026 15:47:17 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>should, hide, car, avoid, repossession, why, backfires</media:keywords>


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<title>Wage Garnishment Is Eating My Paycheck: How Fast Can a Bankruptcy Attorney Stop It?</title>

<link>https://blogosm.com/wage-garnishment-is-eating-my-paycheck-how-fast-can-a-bankruptcy-attorney-stop-it</link>

<guid>https://blogosm.com/wage-garnishment-is-eating-my-paycheck-how-fast-can-a-bankruptcy-attorney-stop-it</guid>

<description><![CDATA[ Personal Loans Loans, finance accounts, and some old judgments may be handled through your repayment plan. Collection Lawsuits If a lawsuit led to garnishment, bankruptcy may stop the lawsuit and related collection steps. ]]></description>


<pubDate>Tue, 02 Jun 2026 15:47:47 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>wage, garnishment, eating, paycheck, fast, bankruptcy, attorney, stop</media:keywords>


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<title>Behind on Payments? How to Negotiate a Workout Agreement Before the Tow Truck Arrives</title>

<link>https://blogosm.com/behind-on-payments-how-to-negotiate-a-workout-agreement-before-the-tow-truck-arrives</link>

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<description><![CDATA[ Ask for the Right Terms When you speak with the lender, stay calm and direct. Ask for a plan that fits your real budget. ]]></description>


<pubDate>Mon, 25 May 2026 19:00:37 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>behind, payments, negotiate, workout, agreement, before, tow, truck, arrives</media:keywords>


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<title>The Truth About &amp;quot;Kill Switches&amp;quot;: Are Remote Disabling Devices Legal?</title>

<link>https://blogosm.com/the-truth-about-kill-switches-are-remote-disabling-devices-legal</link>

<guid>https://blogosm.com/the-truth-about-kill-switches-are-remote-disabling-devices-legal</guid>

<description><![CDATA[ Most systems are designed to prevent the vehicle from restarting rather than shutting it off while moving. What About GPS Tracking? Many remote disabling systems also track vehicle location. ]]></description>


<pubDate>Thu, 14 May 2026 15:17:09 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>truth, kill, switches, remote, disabling, devices, legal</media:keywords>


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<title>Unexpected Windfalls: What Happens if You Get a Raise or Inheritance During Bankruptcy?</title>

<link>https://blogosm.com/unexpected-windfalls-what-happens-if-you-get-a-raise-or-inheritance-during-bankruptcy</link>

<guid>https://blogosm.com/unexpected-windfalls-what-happens-if-you-get-a-raise-or-inheritance-during-bankruptcy</guid>

<description><![CDATA[ A confirmed Chapter 13 plan can be modified before you finish all payments. The debtor, trustee, or an allowed unsecured creditor may ask to increase or reduce payments, or change the payment period. ]]></description>


<pubDate>Wed, 29 Apr 2026 19:31:12 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>unexpected, windfalls, happens, get, raise, inheritance, during, bankruptcy</media:keywords>


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<title>Out&#45;of&#45;Court Workouts: How to Negotiate With Lenders Without Going to Court</title>

<link>https://blogosm.com/out-of-court-workouts-how-to-negotiate-with-lenders-without-going-to-court</link>

<guid>https://blogosm.com/out-of-court-workouts-how-to-negotiate-with-lenders-without-going-to-court</guid>

<description><![CDATA[ Keep your message simple. State what you can pay and why you need help. Step 4: Propose a Realistic Plan Offer a plan that fits your budget. ]]></description>


<pubDate>Wed, 22 Apr 2026 19:00:35 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>debt restructuring attorney West Des Moines Chapter 13</media:keywords>


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<title>Medical Emergencies &amp;amp; Chapter 13: How to Handle Unexpected Bills While in a Repayment Plan</title>

<link>https://blogosm.com/medical-emergencies-chapter-13-how-to-handle-unexpected-bills-while-in-a-repayment-plan</link>

<guid>https://blogosm.com/medical-emergencies-chapter-13-how-to-handle-unexpected-bills-while-in-a-repayment-plan</guid>

<description><![CDATA[ Courts may allow changes if your situation shifts. A medical emergency can qualify as a valid reason. You may be able to: Reduce your monthly payment Extend the plan length Adjust how debts are paid Your attorney will file a request with the court. ]]></description>


<pubDate>Sat, 04 Apr 2026 16:53:54 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>Chapter 13 Bankruptcy Attorneys West Des Moines</media:keywords>


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<title>Why &amp;quot;Local&amp;quot; Experience Matters in Bankruptcy Court</title>

<link>https://blogosm.com/why-local-experience-matters-in-bankruptcy-court</link>

<guid>https://blogosm.com/why-local-experience-matters-in-bankruptcy-court</guid>

<description><![CDATA[ Smoother Plan Confirmation Process Plan confirmation is one of the most important steps in Chapter 13. This is when the court approves your repayment plan. ]]></description>


<pubDate>Mon, 30 Mar 2026 19:48:07 +0530</pubDate>

<dc:creator>marks Lawfirm</dc:creator>

<media:keywords>Chapter 13 Bankruptcy Attorneys West Des Moines</media:keywords>


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