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	<title>DebtSettlement.com</title>
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		<title>A Higher Income Doesn’t Make Debt Repayment Easier</title>
		<link>http://debtsettlement.com/debt-relief/a-higher-income-doesnt-make-debt-repayment-easier/</link>
		<comments>http://debtsettlement.com/debt-relief/a-higher-income-doesnt-make-debt-repayment-easier/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 18:08:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[agency]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[Settlement]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1216</guid>
		<description><![CDATA[Many people believe that it’s the low-income consumers who most struggle with debt. While it might be true that this segment of the population has a hard time paying back what they’ve borrowed, they’re not the only ones who seek help from debt relief companies. The number of middle-income consumers seeking debt relief is on the rise, at least with...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/a-higher-income-doesnt-make-debt-repayment-easier/">read more</a>]<br /></div>]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Credit Report &#8211; Debt Settlement Tool or Obstacle?</title>
		<link>http://debtsettlement.com/debt-relief/credit-report-debt-settlement-tool-or-obstacle/</link>
		<comments>http://debtsettlement.com/debt-relief/credit-report-debt-settlement-tool-or-obstacle/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 14:34:09 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[report]]></category>
		<category><![CDATA[Settlement]]></category>
		<category><![CDATA[Tool]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1188</guid>
		<description><![CDATA[Your credit report is filled with information that could help or hurt you in debt settlement. You’re not the only one who can access your credit report. Creditors and debt collectors are also allowed to pull your credit report – and they will likely make decisions about your settlement offer based partially on your credit report. Tool: Creating a Settlement...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/credit-report-debt-settlement-tool-or-obstacle/">read more</a>]<br /></div>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bankcruptcy or Lawsuit Summons? You Should See an Attorney</title>
		<link>http://debtsettlement.com/debt-relief/bankcruptcy-or-lawsuit-summons-you-should-see-an-attorney/</link>
		<comments>http://debtsettlement.com/debt-relief/bankcruptcy-or-lawsuit-summons-you-should-see-an-attorney/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 14:32:28 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[agency]]></category>
		<category><![CDATA[court]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Summons]]></category>
		<category><![CDATA[way]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1186</guid>
		<description><![CDATA[You could theoretically deal with debt collectors, and other companies involved in the debt process, on your own. But, there are certain circumstances that you might need to get help from a professional attorney. Certain legal matters should be handled delicately, so getting advice from an attorney could keep you from making a big mistake. You’re considering bankruptcy. If you’ve...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/bankcruptcy-or-lawsuit-summons-you-should-see-an-attorney/">read more</a>]<br /></div>]]></description>
		<wfw:commentRss></wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Organize Your Settlement and Track Your Progress</title>
		<link>http://debtsettlement.com/debt-relief/organize-your-settlement-and-track-your-progress/</link>
		<comments>http://debtsettlement.com/debt-relief/organize-your-settlement-and-track-your-progress/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 14:30:50 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1184</guid>
		<description><![CDATA[If you only have just one or two accounts to settle, it probably won’t be that hard to keep up with what’s going on with the settlement: the balance, offers that have been made, etc. However, if you’re settling several accounts, keeping up with these details might get difficult. Here are some tips that might help you keep your settlements...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/organize-your-settlement-and-track-your-progress/">read more</a>]<br /></div>]]></description>
		<wfw:commentRss></wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Penalty Rates and How to Avoid Them</title>
		<link>http://debtsettlement.com/debt-relief/penalty-rates-and-how-to-avoid-them/</link>
		<comments>http://debtsettlement.com/debt-relief/penalty-rates-and-how-to-avoid-them/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 14:29:44 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[check]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[Settlement]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1182</guid>
		<description><![CDATA[The penalty APR, also called the default APR, is typically the highest APR charged on your credit cards. If you’re intending to pay off your credit card debt under your original credit card agreement, then avoiding the penalty rate is generally imperative. Once your credit card penalty rate is triggered, it could be hard to get it back down. Penalty...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/penalty-rates-and-how-to-avoid-them/">read more</a>]<br /></div>]]></description>
		<wfw:commentRss></wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Not Your Debt? Debt Validation and Credit Report Dispute</title>
		<link>http://debtsettlement.com/debt-relief/not-your-debt-debt-validation-and-credit-report-dispute/</link>
		<comments>http://debtsettlement.com/debt-relief/not-your-debt-debt-validation-and-credit-report-dispute/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 14:27:40 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[Credit]]></category>
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		<category><![CDATA[letter]]></category>
		<category><![CDATA[proof]]></category>
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		<guid isPermaLink="false">http://debtsettlement.com/?p=1180</guid>
		<description><![CDATA[You may not actually owe every debt a creditor or debt collector actually says you owe.  There are some methods you could use to get rid of debts that aren’t even yours. Debt Validation With Debt Collectors Within the first 30 days of being contacted by a collector, you could send a debt validation letter. The letter asks the collector...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/not-your-debt-debt-validation-and-credit-report-dispute/">read more</a>]<br /></div>]]></description>
		<wfw:commentRss></wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Comparing Chapter 7 and Chapter 13 Bankruptcy</title>
		<link>http://debtsettlement.com/debt-relief/comparing-chapter-7-and-chapter-13-bankruptcy/</link>
		<comments>http://debtsettlement.com/debt-relief/comparing-chapter-7-and-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 14:26:29 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[repayment]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[test]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1178</guid>
		<description><![CDATA[There are two main types of bankruptcy for individual consumers. You may qualify for both of them or you may be limited to the type of bankruptcy that does not discharge your debt. Explore both options to decide which bankruptcy, if any, you could file. Chapter 7 Bankruptcy Chapter 7 bankruptcy is commonly known as discharge bankruptcy. At the end...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/comparing-chapter-7-and-chapter-13-bankruptcy/">read more</a>]<br /></div>]]></description>
		<wfw:commentRss></wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Debt Relief Options for Delinquent Accounts</title>
		<link>http://debtsettlement.com/debt-relief/debt-relief-options-for-delinquent-accounts/</link>
		<comments>http://debtsettlement.com/debt-relief/debt-relief-options-for-delinquent-accounts/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 14:24:41 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[offer]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[Settlement]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1176</guid>
		<description><![CDATA[What you can do about your debt could depend, in part, on how current (or how past due) your payments are. There could be a few options available to you when you’re up to date on all your payments. But, at least one debt relief option is only available when you’re past due. When you’re current on all your payments,...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/debt-relief-options-for-delinquent-accounts/">read more</a>]<br /></div>]]></description>
		<wfw:commentRss></wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Making Counteroffers in Debt Settlement</title>
		<link>http://debtsettlement.com/debt-relief/making-counteroffers-in-debt-settlement/</link>
		<comments>http://debtsettlement.com/debt-relief/making-counteroffers-in-debt-settlement/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 14:23:29 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[agreement]]></category>
		<category><![CDATA[fax]]></category>
		<category><![CDATA[letter]]></category>
		<category><![CDATA[offer]]></category>
		<category><![CDATA[Settlement]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1174</guid>
		<description><![CDATA[The biggest part of debt settlement is probably negotiation. You want to pay the smallest amount possible to satisfy your debt (or nothing at all!) and the creditor would prefer if you paid the full balance of the account. Somewhere in the middle there’s an amount that could work well for both of you. Sometimes you could be the one...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/making-counteroffers-in-debt-settlement/">read more</a>]<br /></div>]]></description>
		<wfw:commentRss></wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Consolidating Debt With a Balance Transfer</title>
		<link>http://debtsettlement.com/debt-relief/consolidating-debt-with-a-balance-transfer/</link>
		<comments>http://debtsettlement.com/debt-relief/consolidating-debt-with-a-balance-transfer/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 14:22:45 +0000</pubDate>
		<dc:creator>ccprocessing</dc:creator>
				<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[rate]]></category>
		<category><![CDATA[transfer]]></category>

		<guid isPermaLink="false">http://debtsettlement.com/?p=1172</guid>
		<description><![CDATA[People in debt often consider a credit card balance transfer as a method of debt consolidation. Through a balance transfer, you move one or more credit card balances to another credit card, usually with a lower interest rate. The good thing about a balance transfer is that the lower interest rate removes expensive finance charges from your balance, making it...<div class="readmore">[<a href="http://debtsettlement.com/debt-relief/consolidating-debt-with-a-balance-transfer/">read more</a>]<br /></div>]]></description>
		<wfw:commentRss></wfw:commentRss>
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