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	<title>Patton &#38; Southgate Attorneys</title>
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		<title>The ABCs of Bankruptcy: A is for Annuities</title>
		<link>http://www.pattonsouthgatelaw.com/2012/09/28/annuities/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/09/28/annuities/#comments</comments>
		<pubDate>Fri, 28 Sep 2012 19:05:13 +0000</pubDate>
		<dc:creator>Virginia Southgate</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Practice Tips]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=602</guid>
		<description><![CDATA[As a bankruptcy debtor's attorney, one of the least welcome surprises is a non-exempt asset. Recently, I had a client come to me to file a bankruptcy with, among other assets, a "retirement annuity".]]></description>
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		<slash:comments>2</slash:comments>
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		<title>What is a hung jury and what exactly does it mean?</title>
		<link>http://www.pattonsouthgatelaw.com/2012/09/28/what-is-a-hung-jury-and-what-exactly-does-it-mean/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/09/28/what-is-a-hung-jury-and-what-exactly-does-it-mean/#comments</comments>
		<pubDate>Fri, 28 Sep 2012 18:47:49 +0000</pubDate>
		<dc:creator>Robert Patton</dc:creator>
				<category><![CDATA[Criminal Defense]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[General Legal Topics]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=609</guid>
		<description><![CDATA[A hung jury is when all twelve members of the jury panel cannot agree on the verdict, as they must under the rules of our judicial system. What it really means is much more difficult to explain]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What does full coverage really mean?</title>
		<link>http://www.pattonsouthgatelaw.com/2012/09/20/what-does-full-coverage-really-mean/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/09/20/what-does-full-coverage-really-mean/#comments</comments>
		<pubDate>Thu, 20 Sep 2012 19:15:58 +0000</pubDate>
		<dc:creator>Robert Patton</dc:creator>
				<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[General Legal Topics]]></category>
		<category><![CDATA[Personal Injury]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=580</guid>
		<description><![CDATA[Auto insurance is not a commodity. Buy the cheapest gas, the cheapest couch you can find. Sit down with your insurance agent and get as good a policy as you can reasonably afford. ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Falling Behind on Your Mortgage?</title>
		<link>http://www.pattonsouthgatelaw.com/2012/08/31/falling-behind-on-your-mortgage/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/08/31/falling-behind-on-your-mortgage/#comments</comments>
		<pubDate>Fri, 31 Aug 2012 19:59:04 +0000</pubDate>
		<dc:creator>Virginia Southgate</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[General Legal Topics]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=405</guid>
		<description><![CDATA[There is little scarier than realizing you can&#8217;t make your mortgage payment. You can&#8217;t turn on the news or pick up a paper without hearing horror stories about the mortgage crisis. You worry about becoming another statistic, a casualty of the recession. Don&#8217;t panic yet. As a bankruptcy lawyer, I see this all the time [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>More Questions I Am Often Asked About Auto Accident Claims</title>
		<link>http://www.pattonsouthgatelaw.com/2012/08/31/more-questions-i-am-often-asked-about-auto-accident-claims/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/08/31/more-questions-i-am-often-asked-about-auto-accident-claims/#comments</comments>
		<pubDate>Fri, 31 Aug 2012 19:30:23 +0000</pubDate>
		<dc:creator>Robert Patton</dc:creator>
				<category><![CDATA[General Legal Topics]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=577</guid>
		<description><![CDATA[I have had several clients tell me that they don't want to sue anyone, they just want fair compensation for their injuries. ]]></description>
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		<title>Rebuilding Credit After Bankruptcy</title>
		<link>http://www.pattonsouthgatelaw.com/2012/08/13/rebuilding-credit-after-bankruptcy/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/08/13/rebuilding-credit-after-bankruptcy/#comments</comments>
		<pubDate>Mon, 13 Aug 2012 18:55:55 +0000</pubDate>
		<dc:creator>Virginia Southgate</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Frequently Asked Questions]]></category>
		<category><![CDATA[Life after Discharge]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=531</guid>
		<description><![CDATA[Almost every client asks me "how long will bankruptcy hurt my credit?".  Unfortunately, there is no single answer and answering before a case is filed involves guessing the future.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>FAQs About Kentucky Auto Insurance Coverage</title>
		<link>http://www.pattonsouthgatelaw.com/2012/08/07/faqs-about-kentucky-auto-insurance-coverage/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/08/07/faqs-about-kentucky-auto-insurance-coverage/#comments</comments>
		<pubDate>Tue, 07 Aug 2012 18:23:21 +0000</pubDate>
		<dc:creator>Robert Patton</dc:creator>
				<category><![CDATA[General Legal Topics]]></category>
		<category><![CDATA[Personal Injury]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=548</guid>
		<description><![CDATA[When I talk to new injury clients I ask them to bring their insurance policies, so I can talk to them about potential coverage. They often tell me "no problem, I have full coverage".  Usually though, they don't really know what that means.  Here are some of the common questions I get when I review the coverage in their policies. ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Bankruptcy vs. Living with Debt</title>
		<link>http://www.pattonsouthgatelaw.com/2012/07/20/bankruptcy-vs-living-with-debt/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/07/20/bankruptcy-vs-living-with-debt/#comments</comments>
		<pubDate>Fri, 20 Jul 2012 18:19:12 +0000</pubDate>
		<dc:creator>Virginia Southgate</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=524</guid>
		<description><![CDATA[We can't control what was, but we can control what will be.  If you are weighed down by debt and don't see a way out, call and make an appointment with a bankruptcy attorney.  Bring your bills, your fears and your questions.  It may be the first step on your path to a better future.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Starting My Northern Kentucky Legal Career, Part 3: The Verdict</title>
		<link>http://www.pattonsouthgatelaw.com/2012/07/20/the-verdict/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/07/20/the-verdict/#comments</comments>
		<pubDate>Fri, 20 Jul 2012 18:04:36 +0000</pubDate>
		<dc:creator>Robert Patton</dc:creator>
				<category><![CDATA[Criminal Defense]]></category>
		<category><![CDATA[Northern Kentucky Legal Stories]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=522</guid>
		<description><![CDATA[The lesson I learned from that trial stays with me every day. The attorney can make a difference, I can make a difference.  If I didn't believe it with all my heart I wouldn't keep trying for all these years.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bankruptcy in the News: What is a Chapter 9?</title>
		<link>http://www.pattonsouthgatelaw.com/2012/07/11/bankruptcy-in-the-news-what-is-a-chapter-9/</link>
		<comments>http://www.pattonsouthgatelaw.com/2012/07/11/bankruptcy-in-the-news-what-is-a-chapter-9/#comments</comments>
		<pubDate>Wed, 11 Jul 2012 20:05:04 +0000</pubDate>
		<dc:creator>Virginia Southgate</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[legal news]]></category>

		<guid isPermaLink="false">http://www.pattonsouthgatelaw.com/?p=516</guid>
		<description><![CDATA[Chapter 9 bankruptcy filings are available to municipalities pressed to balance budgets with reduced revenues, but they are not without risks.]]></description>
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