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	<title>Aiken &amp; Aiken, LLC – Attorneys at Law</title>
	<link>http://lawfirm.aikenandaiken.com</link>
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		<title>Can I Sell My Personal Property to Someone for $1 Before I File Bankruptcy?</title>
		<description><![CDATA[Occasionally, someone facing bankruptcy will transfer ownership of property to someone else (usually a friend or family member) for less than fair market value under the assumption that this transfer will protect the property during bankruptcy.  However, if the transfer is done within a certain amount of time from the bankruptcy filing, not only does [...]]]></description>
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		<title>When Can I File Bankruptcy Again?</title>
		<description><![CDATA[Life is full of the unexpected, so it frequently happens that individuals need to file for bankruptcy relief more than once in their lifetime. There is no limit to the frequency of bankruptcy filings, but there are limits to how frequently a discharge of debts in bankruptcy is allowed.  Generally, the time frames are: 8 [...]]]></description>
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		<title>Should I Repay the Loan from My Parents Before I File?</title>
		<description><![CDATA[Bankruptcy is based on the proposition that all similarly situated creditors are (or should be) treated equally.  In the eyes of bankruptcy, unsecured loans from friends and family members are viewed in the same manner as unsecured loans from credit-granting agencies (such as credit cards).  Friends and family members are viewed as “insiders” and any [...]]]></description>
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		<title>Can Income Tax Debt Be Discharged in Chapter 7 Bankruptcy?</title>
		<description><![CDATA[You may be able to discharge federal income tax in a Chapter 7 bankruptcy case if the tax debt meets certain criteria: You must have filed a tax return for the years in question at least 2 years before you file for bankruptcy Your tax return must have been originally due at least 3 years [...]]]></description>
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		<title>Do I Need an Attorney to File My Bankruptcy Petition?</title>
		<description><![CDATA[If you are an individual (rather than a corporation), you are not required to have an attorney file your petition on your behalf – you can do it yourself (called pro se).  The court required documents are usually available on the bankruptcy court’s website.  However, you may be doing yourself a disservice by “going it [...]]]></description>
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		<title>Don’t Ignore Your Post-Filing Credit Counseling!</title>
		<description><![CDATA[One of the changes that was made in 2005 to the Bankruptcy laws was the inclusion of a credit counseling requirement.  Individuals are now required to complete a credit counseling course prior to filing a bankruptcy petition and a personal financial management course after filing a bankruptcy petition.  While the pre-filing course is almost impossible [...]]]></description>
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		<title>Can I File for Bankruptcy Individually Even Though I’m Married?</title>
		<description><![CDATA[Bankruptcy does allow for married couples to file for individual bankruptcy – the better question would be “SHOULD I file individually even though I’m married?” The decision to file for bankruptcy individually while married should be made carefully after looking at your individual circumstances.   Many different factors can impact this decision, such as the number [...]]]></description>
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		<title>Can I Keep Any Property When I File?</title>
		<description><![CDATA[Bankruptcy law allows for individuals to keep property from being sold to pay creditors through “exemptions”.  In a Chapter 7 filing, any property which is not claimed as “exempt” is potentially available to be taken by the trustee for paying creditor claims.  Therefore, prior to a bankruptcy filing, individuals must list their assets as well [...]]]></description>
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		<title>Are Student Loans Dischargeable in Bankruptcy?</title>
		<description><![CDATA[Generally, student loans are not dischargeable in bankruptcy, unless repaying the student loan causes an “undue hardship”.  Unfortunately, meeting the standard of undue hardship can be very difficult.  Most courts use a three-part test to determine whether an undue hardship exists: Whether the debtor could maintain a minimal standard of living for self and dependents [...]]]></description>
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		<title>Illinois Gestational Surrogacy Act</title>
		<description><![CDATA[In 2005, the Illinois Gestational Surrogacy Act went into effect.  This Act made Illinois one of the most progressive states with regard to assisted reproductive law. Some of the requirements of the Act include: a written contract between the surrogate and the intended parent(s) at least one of the gametes must be contributed by the [...]]]></description>
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