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2001 March - April

Bankruptcy and the Low-Income Client

By David S. Yen

Although often regarded as a tool for people with more assets, bankruptcy can be helpful as well for low-income clients facing constant demands from creditors and collection agencies and needing a fresh start. An overview of the bankruptcy process, particularly proceedings under Chapter 7 and Chapter 13, gives a sense of the pros and cons for low-income clients and shows how such clients may respond when they are creditors, not debtors, in a bankruptcy petition.

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Overpaid But Underfed

The Revised Regulations Regarding Overpayment Collection in the Federal Food Stamp Program

By Jonathan Givner & Gary F. Smith

In the Personal Responsibility and Work Opportunity Reconciliation Act of 1996, Congress made a number of changes in the federal Food Stamp Program. The first of the final regulations of the Department of Agriculture implementing the statutory changes concerns the establishment and collection of Food Stamp overpayments. Legal challenges are available to several of the more significant changes that are unfavorable to food stamp recipients.

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