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	<title>Michael O. Hays - Bankruptcy Attorney for Northern California</title>
	<link>http://www.mhayslaw.com</link>
	<description></description>
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		<title>Bankruptcy Questionnaire</title>
		<description><![CDATA[Please complete the document 2012 Bankruptcy Questionnaire to the best of your ability and bring it with you to your initial consultation.  Carefully read these instruction pages of the questionnaire that explain what forms you will need to bring to your meeting as well as the policies and practices of filing for bankruptcy with our office.]]></description>
		<link>http://www.mhayslaw.com/2011/04/16/bankruptcy-questionnaire/</link>
			</item>
	<item>
		<title>Why You Shouldn&#8217;t Feel Guilty</title>
		<description><![CDATA[This is a article taken from the book How to File Chapter Seven Bankruptcy from Nolo Press. It explains why filing bankruptcy is a logical course to take in an adverse socio-economic time. Read this and put your mind at ease. And for those of you wondering how the bankers and mortgage lenders sleep at [...]]]></description>
		<link>http://www.mhayslaw.com/2010/01/07/why-you-shouldnt-feel-guilty/</link>
			</item>
	<item>
		<title>Fair Debt Collection&#8211;You &amp; Creditors&#8217; Harassing Phone Calls!</title>
		<description><![CDATA[The Fair Debt Collection Practices Act established specific guidelines for Creditors to follow in their pursuit of gathering a debt.  The rules and procedures are extensive (read the entire Fair Debt Collection Act here, if you like) but most of our clients&#8217; questions are answered in this handy fact sheet that explains by what means creditors may [...]]]></description>
		<link>http://www.mhayslaw.com/2008/12/09/fair-debt-collection-you-creditors-harassing-phone-calls/</link>
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		<title>Frequently Asked Questions about Bankruptcy</title>
		<description><![CDATA[What does bankruptcy entail? What is the process for filing bankruptcy? Bankruptcy is the legal discharge of your debts. In a bankruptcy proceeding, your attorney prepares legal documents (the court refers to these papers as Schedules) that list all of your debts, assets, income, and expenses. The court then assesses your debt to income ratio [...]]]></description>
		<link>http://www.mhayslaw.com/2008/09/09/frequently-asked-questions-about-bankruptcy/</link>
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		<title>Articles about Bankruptcy, Debt, Mortgages, and the Economy</title>
		<description><![CDATA[This is an interesting collection of articles that address many of the issues and concerns of our clients.  Feel free to browse this collection and learn more about other people in situations similar to yourself and how large scale economic decisions affect your quality of life.   A great article from the New York Times.  [...]]]></description>
		<link>http://www.mhayslaw.com/2008/07/30/articles-about-bankruptcy-debt-mortgages-and-the-economy/</link>
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		<title>Directions to the Redding Courthouse</title>
		<description><![CDATA[From Chico Take CA-99 North toward Redding / Red Bluff.  Continue for 38 miles. Merge onto I-5 North; Proceed for 28 miles. Take the Cypress Avenue Exit, EXIT 677, towards Redding.&#124; Turn Left onto East Cypress Avenue Turn Left onto Bechelli Lane; Courthouse is at 2986 Bechelli, at the corner of Hartnell.   Make sure to arrive [...]]]></description>
		<link>http://www.mhayslaw.com/2008/07/29/directions-to-the-redding-courthouse/</link>
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