Pub. 3 2012 Issue 1

O F F I C I A L P U B L I C A T I O N O F T H E W E S T V I R G I N I A B A N K E R S A S S O C I A T I O N SPRING 2012 Inside:  Servicemembers Civil Relief Act: What It Is and Why Compliance Is Important  New Bankruptcy Proof of Claim Rules Take Effect  Credit Scores and the Perfect Storm – Part 2