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	<title>Debt Sanity</title>
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	<link>http://www.debtsanity.com</link>
	<description>Tips on Debt Reduction, Non-Profit and Profit related Options.</description>
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		<title>Debt Consolidation Finance Myths</title>
		<link>http://www.debtsanity.com/uncategorized/debt-consolidation-finance-myths/</link>
		<comments>http://www.debtsanity.com/uncategorized/debt-consolidation-finance-myths/#comments</comments>
		<pubDate>Thu, 15 Jan 2009 07:39:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2009/01/15/debt-consolidation-finance-myths/</guid>
		<description><![CDATA[There are a few widely believed myths about debt consolidation finance: 1. With bad credit I can&#8217;t get a consolidation loan &#8211; This just isn&#8217;t true. However, with bad credit, the lender will probably want to see the loan secured by an asset like your home or a vehicle. If you have enough equity in your home you should be able to get a home equity loan or refinance and get cash back. You can use this equity to pay off debts. If you have a car with equity, you should be able to refinance the car and get cash back. 2. It&#8217;s smart to consolidate ALL my debts into one loan &#8211; Most of the time, even if you are approved, it&#8217;s not wise to consolidate all debts into one loan. For example, student loans usually have much lower interest rates and much better terms than other kinds of debt. Those are usually best kept separate from the rest of your loans. If you owe a tax debt, sometimes the IRS can set you up on payment plans that are lower interest than a high interest consolidation loan. Although its nice to think of having all debts in one [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lower Your Educational Debt</title>
		<link>http://www.debtsanity.com/uncategorized/lower-your-educational-debt/</link>
		<comments>http://www.debtsanity.com/uncategorized/lower-your-educational-debt/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 21:47:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2009/01/14/lower-your-educational-debt/</guid>
		<description><![CDATA[If you have school loan debt and are looking to reduce that debt, there are a few things you can do. 1. Consolidate your educational debt into one low interest, low monthly payment &#8211; Sometimes even the company who is providing you with the loan can consolidate the debt for you, themselves. 2. Call the company who holds your educational loan and ask them to defer or temporarily lower your payments until you are more established in your career. 3. Consolidate your educational debt into a secured loan like a house or car loan &#8211; This usually isn&#8217;t a good idea if you have a low interest rate on your educational debt, which most people do. This would only be a viable option if it saved you money in the long run.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Search Get Out of Debt &#8211; But What Are Your Options?</title>
		<link>http://www.debtsanity.com/uncategorized/search-get-out-of-debt-but-what-are-your-options/</link>
		<comments>http://www.debtsanity.com/uncategorized/search-get-out-of-debt-but-what-are-your-options/#comments</comments>
		<pubDate>Tue, 06 Jan 2009 06:41:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2009/01/05/search-get-out-of-debt-but-what-are-your-options/</guid>
		<description><![CDATA[Many people are searching the internet for get out debt terms like debt consolidation, debt settlement, debt management and reduce debt. There are literally hundreds if not thousands of debt related companies online competing for your business. But, it&#8217;s important to be very careful which debt reduction company you use. Many of the debt elimination companies online have unethical business practices. Check with the BBB (Better Business Bureau) to make sure the company you are dealing with is legitimate and doesn&#8217;t have a history of taking advantage of customers. As of 2009 your debt relief options are: 1. Debt Consolidation &#8211; but only if your credit is excellent. If you are falling behind in your payments and have spotty credit history then the following are your options: 2. Debt Settlement or Debt Negotiation &#8211; These companies will negotiate with your creditors and try to negotiate to reduce the amount of money you owe them. This can be successful for you and save you money. However, make sure the company you are dealing with is reputable. 3. Home Equity Line of Credit &#8211; If you have a significant amount of equity in your home, you may be able to obtain some [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Truth About Debt Consolidation</title>
		<link>http://www.debtsanity.com/uncategorized/the-truth-about-debt-consolidation/</link>
		<comments>http://www.debtsanity.com/uncategorized/the-truth-about-debt-consolidation/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 05:16:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2008/10/30/the-truth-about-debt-consolidation/</guid>
		<description><![CDATA[Myth &#8211; It is Always Best To Consolidate Debt Truth &#8211; Consolidating debt is best, ONLY if it makes financial sense. That is, if your overall payment and interest rate is lower than it was before (averaged). And, even in those cases its still not always going to help you get out of debt faster. Even lower interest rates and a lower payment aren&#8217;t always best &#8211; For example, if you are consolidating debt into a house payment where your interest rate and payment is lower, keep in mind that you are also committing to pay off the debt over a much longer period of time than you were before. Also, you are tying the debt to your house. If you decide to move, you may find yourself upside down in your mortgage if home values have dropped. Shop Around, Choose a Reputable Company &#8211; We recommend completing an application with one of the above companies. Make sure the company you choose to consolidate with is reputable. Check with the BBB.org and make sure the company has good business practices overall. When you consolidate debt, especially if you have bad credit or credit problems, it&#8217;s important to apply with more [...]]]></description>
		<wfw:commentRss>http://www.debtsanity.com/uncategorized/the-truth-about-debt-consolidation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Debt Relief</title>
		<link>http://www.debtsanity.com/uncategorized/tax-debt-relief/</link>
		<comments>http://www.debtsanity.com/uncategorized/tax-debt-relief/#comments</comments>
		<pubDate>Fri, 10 Oct 2008 03:01:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2008/10/09/tax-debt-relief/</guid>
		<description><![CDATA[If you are dealing with tax debt or money that you owe the IRS and are having difficulty paying that debt, there are services available to help you reduce your tax debt. Our Top Recommended Tax Debt Relief Company is: It can be difficult to negotiate and work with the IRS when you can&#8217;t pay your tax debt. It helps to work with a company who understands the IRS&#8217; system and can assist you in reducing your tax debt.]]></description>
		<wfw:commentRss>http://www.debtsanity.com/uncategorized/tax-debt-relief/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation Services</title>
		<link>http://www.debtsanity.com/debt-relief/debt-consolidation-services/</link>
		<comments>http://www.debtsanity.com/debt-relief/debt-consolidation-services/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:57:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/debt-consolidation-services/</guid>
		<description><![CDATA[If you are having trouble managing debt on your own, you may want to seek the professional help offered by debt consolidation services. This article offers tips on finding and choosing debt consolidation services. Debt consolidation services can help you consolidate your debt into one convenient payment. Most people utilize debt consolidation services to take advantage of lower interest rates and to lower their monthly bills. Finding a Debt Consolidation Service The best place to find a debt consolidation service is online. Many websites are dedicated to providing information about debt consolidation and recommended debt consolidation services. These websites can be very valuable resources and should be utilized in your search. But, don’t rely on recommendations alone. Once you have found several reputable debt consolidation services, you should make comparisons yourself. Comparing Debt Consolidation Services A debt consolidation loan can provide you with significant debt relief—if you choose the right debt consolidation service. Some services are dedicated to scamming needy folks out of their money. Avoiding these services is in your best interests. To protect yourself, you should carefully compare interest rates, loan terms, and lending fees prior to making a decision. You may also want to consider contacting the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Choosing a Debt Counseling Service</title>
		<link>http://www.debtsanity.com/debt-relief/choosing-a-debt-counseling-service/</link>
		<comments>http://www.debtsanity.com/debt-relief/choosing-a-debt-counseling-service/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:56:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/choosing-a-debt-counseling-service/</guid>
		<description><![CDATA[Debt counseling services, sometimes known as credit counseling services, offer debt education and debt advice. These services can be a great help to anyone who needs debt relief. This article offers tips on choosing a debt counseling service that can meet your financial needs. There are many different debt counseling services that can assist you with debt management. Unfortunately, not all of these companies are legitimate. Some companies are simply looking to scam you out of your money. To protect yourself, you will need to choose a debt counseling service that is reputable. Debt Counseling Services to Avoid Some debt counseling services make unreasonable claims about debt relief to solicit your business. Regardless of these claims, credit repair takes time and hard work. If a debt counseling service claims that they can eliminate your debt in a week or less, don’t believe them. Nobody can eliminate debt that fast. You will also want to avoid debt counseling services that solicit you out of the blue by phone or email. Many of these companies are not legitimate. Comparing Debt Counseling Services When comparing debt counseling services, look carefully at the programs that each service offers. While most cannot offer consolidation loans, [...]]]></description>
		<wfw:commentRss>http://www.debtsanity.com/debt-relief/choosing-a-debt-counseling-service/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Equity Lenders</title>
		<link>http://www.debtsanity.com/debt-relief/home-equity-lenders/</link>
		<comments>http://www.debtsanity.com/debt-relief/home-equity-lenders/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:56:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/home-equity-lenders/</guid>
		<description><![CDATA[If you are looking to consolidate debt with a home equity loan, choosing the right lender is of utmost importance. This article offers tips on comparing and choosing home equity lenders. Home equity loans can be an excellent source of credit when you want to consolidate debt. However, your house will be at risk. This is why choosing a home equity lender is so important. Finding a Home Equity Lender When shopping for a home equity loan, you first stop should be the Internet. Online home equity lenders are offering the lowest interest rates that have been seen in years. And, when you apply for a home equity loan online, you can quickly compare lenders and loan options without having to do a great deal of legwork. Comparing Home Equity Lenders Making comparisons between two or more home equity lenders is a good idea. This will help you choose the lender that is the best fit for you. When comparing home equity lenders, evaluate interest rates, closing costs, lending fees, and loan terms and conditions. Purchasing a Home Equity Loan Once you have settled on a lender, you will be presented with a home equity loan contract. Review this contract [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Relief Services</title>
		<link>http://www.debtsanity.com/debt-relief/debt-relief-services-2/</link>
		<comments>http://www.debtsanity.com/debt-relief/debt-relief-services-2/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:55:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/debt-relief-services-2/</guid>
		<description><![CDATA[Not all debt relief services were created equal. If you need professional debt assistance, you should take special care to find a debt relief program that can work for you. While many debt relief services are legitimate operations, there are scammers out there who are looking to take you money. This is most unfortunate as most people contact debt relief services to improve their credit, not make it worse. To make sure that get the debt relief service that you deserve, you need to do your homework. Finding a Debt Relief Service If you know someone who has used a debt relief service, ask about his or her experience. You may be able to get a referral or a list of companies to stay away from. You can also try searching online. Many websites are dedicated to recommending reputable debt relief services. Once you have narrowed your choices down to several different companies, you can contact the Better Business Bureau for more information on each. Comparing Debt Relief Services Before settling on any one company, it is important to make comparisons. This will ensure that you choose a company and a debt relief program that is best suited to your [...]]]></description>
		<wfw:commentRss>http://www.debtsanity.com/debt-relief/debt-relief-services-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Improve Your Credit Fast</title>
		<link>http://www.debtsanity.com/debt-relief/improve-your-credit-fast/</link>
		<comments>http://www.debtsanity.com/debt-relief/improve-your-credit-fast/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:55:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/improve-your-credit-fast/</guid>
		<description><![CDATA[If you have bad credit, you are not alone. More than 30 million people in the U.S. have severe credit problems. If you need to improve your credit fast, try the tips listed in this article. There are many different debt solutions that can be utilized to improve your credit. Most of them require a great deal of time and hard work. However there are two tricks that you can employ to improve your credit fast: Reduce the Balance On Your Credit Cards Reducing the balances on your credit cards can raise your credit score significantly. This is because credit cards are a revolving account. Revolving accounts only look good on your credit report if there is a gap between the amount of credit you are using and the available credit limit. Debt relief experts recommend reducing balances to less than 30% of your credit limit, which brings us to tip #2 Increase Your Charging Limits Many credit card companies do not share your credit limit with credit reporting bureaus. As a result, the bureaus use your charging history to determine what your charging limit is. Your credit report may indicate that you are maxing out your credit card constantly, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Secured vs. Unsecured Debt Consolidation</title>
		<link>http://www.debtsanity.com/debt-relief/secured-vs-unsecured-debt-consolidation/</link>
		<comments>http://www.debtsanity.com/debt-relief/secured-vs-unsecured-debt-consolidation/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:53:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/secured-vs-unsecured-debt-consolidation/</guid>
		<description><![CDATA[If you want to consolidate debt, you will need a debt consolidation loan. There are two different types of loans that you can choose from: secured debt consolidation loans and unsecured debt consolidation loans. Before making a decision, you should educate yourself on the advantages and disadvantages of each loan type—especially if you have bad credit. If you have bad credit, there are still many different debt relief solutions available to you. Two such solutions are secured and unsecured debt consolidation loans. Though both can provide you with the money you need to pay off debt, these two loans are very different from one another. Secured Debt Consolidation Loans Secured debt consolidation loans are the most common and require you to pledge some form of collateral, such as a house, against the loan. These loans often have a lower interest rate than unsecured debt consolidation loans, particularly if you have bad credit. This is because the lender does not hold all of the risk. If you default on the loan, the lender can seize your collateral. Before purchasing a secured debt consolidation loan, you must be very confident in your ability to make the payments. Most of the debt you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Solutions for People with Bad Credit</title>
		<link>http://www.debtsanity.com/debt-relief/debt-solutions-for-people-with-bad-credit/</link>
		<comments>http://www.debtsanity.com/debt-relief/debt-solutions-for-people-with-bad-credit/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:53:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/debt-solutions-for-people-with-bad-credit/</guid>
		<description><![CDATA[If you need debt relief, don’t let bad credit stop you from seeking help. Bad credit is a very common problem and many lenders have become much more lenient when it comes to approving bad credit loans. No matter what your credit looks like, you deserve a second chance. This is why many lenders are willing to look over a few (or more) credit flaws. In fact, the bad credit lending market has become quite competitive. There are now many different debt solutions available for people who have bad credit. Here are just a few: Bad Credit Consolidation Loans Most consolidation loans are used to pay off high-interest credit card debt. You may be eligible for one of these loans, even with bad credit. The interest that you pay with a bad credit debt consolidation loan may be higher than the average loan, but it will probably be quite a bit less than the interest on your credit cards. Home Equity Loans and Cash-Out Refinancing If you are a homeowner, you have more debt solutions to choose from the average person with bad credit. Homes constantly increase in value, which means that you probably have equity that can be tapped [...]]]></description>
		<wfw:commentRss>http://www.debtsanity.com/debt-relief/debt-solutions-for-people-with-bad-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Debt Consolidation in 3 Easy Steps</title>
		<link>http://www.debtsanity.com/debt-relief/credit-card-debt-consolidation-in-3-easy-steps/</link>
		<comments>http://www.debtsanity.com/debt-relief/credit-card-debt-consolidation-in-3-easy-steps/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:52:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/credit-card-debt-consolidation-in-3-easy-steps/</guid>
		<description><![CDATA[Credit card debt can be overwhelming. The best way to tackle high interest credit card debt is with credit card debt consolidation. This article helps get you started by laying out a credit card debt consolidation plan in three easy steps. By consolidating your debt, you can reduce interest and lower your monthly payments. Sometimes though, it can be hard to determine exactly where to start. Here are three easy credit card debt consolidation steps that you can take to get the ball rolling: Credit Card Debt Consolidation Step #1: Survey the Damage Before you can begin repairing your credit, you need to know exactly how much damage has been done. Tally up all of your credit card balances to determine how much you owe. Credit Card Debt Consolidation Step #2: Find a Lender To get a credit card debt consolidation loan, you will need to find a lender. Fortunately, there are quite a few to choose from. Begin by looking for lenders who offer free credit card debt consolidation quotes. Once you have narrowed your choices down to three, you can begin making comparisons. Credit Card Debt Consolidation Step #3: Make Comparisons Before purchasing a credit card debt consolidation [...]]]></description>
		<wfw:commentRss>http://www.debtsanity.com/debt-relief/credit-card-debt-consolidation-in-3-easy-steps/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Advice for Homeowners</title>
		<link>http://www.debtsanity.com/debt-management/debt-advice-for-homeowners/</link>
		<comments>http://www.debtsanity.com/debt-management/debt-advice-for-homeowners/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:51:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Management]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/debt-advice-for-homeowners/</guid>
		<description><![CDATA[If you own your own home, you have more options than most to help you get out of debt. This article explores some of those options and offers debt advice for homeowners. A home is an investment that constantly increases in value. As you make payments on the principle, the value increases even more; leaving you with equity that can be tapped into when you need extra cash. The debt advice that most experts offer to homeowners involves using this equity to pay off high interest debts, such as credit cards. If you are a homeowner, here are some of the options available to you: Home Equity Loans Home equity loans provide homeowners with a lump sum of cash to use however they see fit. In general, these loans are relatively easy to qualify for, and in most cases, they are much easier to obtain than the original mortgage was. Home equity loans also come with reasonable interest rates and loan payments that may be tax deductible. Home Equity Lines of Credit A home equity line of credit is a revolving line of credit that you can utilize when needed. With a home equity line of credit, you get approved [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Glossary of Debt Terms</title>
		<link>http://www.debtsanity.com/uncategorized/glossary-of-debt-terms/</link>
		<comments>http://www.debtsanity.com/uncategorized/glossary-of-debt-terms/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:37:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/glossary-of-debt-terms/</guid>
		<description><![CDATA[Cash-Out Refinancing: Cash-out refinancing is the act of taking out a new mortgage that exceeds the existing balance on a current mortgage with the intention of refinancing the original mortgage and receiving cash back. Credit Report: A credit report is a financial report that contains detailed information about an individuals credit history. Credit Score: The term credit score is used to describe the three-digit number between 500 and 850 that appears on credit reports. In essence, this number represents an estimate of an individual&#8217;s financial creditworthiness. Debt: A debt is an obligation to pay or render something (usually money) to someone else. Debt Consolidation: Debt consolidation entails taking out one loan to pay off several other loans and/or accounts. Debt Consolidation Scam: A debt consolidation scam is a form of fraud perpetrated by an illegitimate debt consolidation service. Debt Negotiation: Debt negotiation is the act of negotiating with creditors to get them to lower interest rates and debt amounts. Debt Restructuring: Debt restructuring is a method used by individuals or organizations to alter the terms of debt agreements and obligations in hopes of achieving some sort of financial advantage. Debt Settlement: Debt settlement occurs when a creditor agrees to settle [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Relief Services</title>
		<link>http://www.debtsanity.com/debt-collection/debt-relief-services/</link>
		<comments>http://www.debtsanity.com/debt-collection/debt-relief-services/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:36:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Collection]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/debt-relief-services/</guid>
		<description><![CDATA[Not all debt relief services were created equal. If you need professional debt assistance, you should take special care to find a debt relief program that can work for you. While many debt relief services are legitimate operations, there are scammers out there who are looking to take you money. This is most unfortunate as most people contact debt relief services to improve their credit, not make it worse. To make sure that get the debt relief service that you deserve, you need to do your homework. Finding a Debt Relief Service If you know someone who has used a debt relief service, ask about his or her experience. You may be able to get a referral or a list of companies to stay away from. You can also try searching online. Many websites are dedicated to recommending reputable debt relief services. Once you have narrowed your choices down to several different companies, you can contact the Better Business Bureau for more information on each. Comparing Debt Relief Services Before settling on any one company, it is important to make comparisons. This will ensure that you choose a company and a debt relief program that is best suited to your [...]]]></description>
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		<title>Getting an Unsecured Loan To Consolidate Debt</title>
		<link>http://www.debtsanity.com/debt-collection/getting-an-unsecured-loan-to-consolidate-debt-2/</link>
		<comments>http://www.debtsanity.com/debt-collection/getting-an-unsecured-loan-to-consolidate-debt-2/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:36:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Collection]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/getting-an-unsecured-loan-to-consolidate-debt-2/</guid>
		<description><![CDATA[If you are a homeowner, it is easy to get a variety of secured loans to consolidate debt. But, what happens if you dont own your home? Are you simply out of luck or is it possible to get an unsecured loan to consolidate debt? The answers are in this article. There are two basic types of loans: secured and unsecured. A secured loan requires the borrower to pledge some from of collateral against the loan, such as a house or a vehicle. An unsecured loan, on the other hand, requires no collateral. The lender relies solely on your promise to repay. If you need to consolidate debt, but you dont have any collateral, you will need to try getting an unsecured loan. Unsecured Personal Loans Unsecured personal loans are an excellent source of credit for people who do not own a home, but need to consolidate debt. Because the lender relies solely on the borrowers promise to repay, the interest rate on unsecured personal loans tends to be higher than the rate on secured loans. This makes shopping around to find the best rate very important. When talking to lenders, ask about the interest rate in detail, and be [...]]]></description>
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		<title>Bad Credit Debt Consolidation</title>
		<link>http://www.debtsanity.com/debt-collection/bad-credit-debt-consolidation/</link>
		<comments>http://www.debtsanity.com/debt-collection/bad-credit-debt-consolidation/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:35:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Collection]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/bad-credit-debt-consolidation/</guid>
		<description><![CDATA[If you have bad credit, you may think that there is no way that you can get a debt consolidation loan. Fortunately, that is not true! Bad credit debt consolidation loans are available to those who need them. Many people take advantage of bad credit debt consolidation loans in an attempt to repair damaged credit. Bad credit debt consolidation loans are great for this purpose, because they can provide a lower interest rate and lower monthly payments. If you think a bad credit debt consolidation loan can improve your situation, here are some tips to help you secure the money you need. Choosing a Bad Credit Debt Consolidation Lender If you want to eliminate your debt and improve your credit, it is essential that you choose the right lender. While there are many bad credit consolidation lenders that are reputable, some lenders are more concerned with taking your money than they are with helping you. To make sure you choose a lender that has your best interests at heart, take time to shop around and compare lending fees, loan terms, and interest rates. Pull Your Credit Report Before Applying for a Loan Lenders use your credit report to determine your [...]]]></description>
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		<title>3 Ways to Avoid Bankruptcy</title>
		<link>http://www.debtsanity.com/debt-collection/3-ways-to-avoid-bankruptcy/</link>
		<comments>http://www.debtsanity.com/debt-collection/3-ways-to-avoid-bankruptcy/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:34:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Collection]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/3-ways-to-avoid-bankruptcy/</guid>
		<description><![CDATA[Bankruptcy can devastate your credit and alter your life in more ways than you could ever imagine. For these reasons, bankruptcy should be avoided at all costs. This article offers three ways you can avoid bankruptcy. Bankruptcy is serious business. Depending on the type of bankruptcy you file, your credit can be marred for seven to ten years. Even after the bankruptcy is removed from your credit report, you may still have difficulty finding a loan. This is why avoiding bankruptcy is in your best interests. Here are three ways you can get rid of debt without filing bankruptcy. Get a Debt Consolidation Loan A debt consolidation loan can help you get a better interest rate and lower your monthly bills. You will also have the convenience of working with only one creditor. In most cases, debt consolidation loans are relatively easy to secure. Consider a Home Equity Loan or Cash-Out Refinancing The equity that has built up in your home could be used as your last weapon of defense. A home equity loan or cash-out refinancing can help you take advantage of that equity and provide you with instant cash to pay off your other bills. Contact a Credit [...]]]></description>
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		<title>Unfair Debt Collection Practices</title>
		<link>http://www.debtsanity.com/debt-collection/unfair-debt-collection-practices/</link>
		<comments>http://www.debtsanity.com/debt-collection/unfair-debt-collection-practices/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:34:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Collection]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/unfair-debt-collection-practices/</guid>
		<description><![CDATA[If you fall behind on your credit card or loan payments, a debt collector may contact you. No matter what the situation is, debt collectors are required to follow specific debt collection rules. If you feel you are being treated unfairly, read on to find out which methods of debt collection are prohibited and how you can protect yourself. The Fair Debt Collection Practices Act requires that debt collectors treat you fairly and respectfully. This act also strictly prohibits specific methods of debt collection. These unfair debt collection practices include:  Threats of violence  The use of obscene language  Repeat phone calls meant to annoy and intimidate Other collection practices prohibited by the Fair Debt Collection Practices Act include false and misleading statements. For example, a debt collector is not allowed to:  Use a false name or title  Misrepresent the amount of the debt collection  Threaten legal action when none is intended  Falsely threaten garnishment of wages, imprisonment, or seizure of property Are You a Victim of Unfair Debt Collection Practices? If you feel that you are being victimized by unfair debt collection practices, you should report the problem immediately to the Federal Trade Commission and, more importantly, to your states [...]]]></description>
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		<title>Can You Dispute Bad Credit Charges?</title>
		<link>http://www.debtsanity.com/debt-collection/can-you-dispute-bad-credit-charges/</link>
		<comments>http://www.debtsanity.com/debt-collection/can-you-dispute-bad-credit-charges/#comments</comments>
		<pubDate>Tue, 10 Apr 2007 07:33:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Collection]]></category>

		<guid isPermaLink="false">http://debtsanity.com/2007/04/10/can-you-dispute-bad-credit-charges/</guid>
		<description><![CDATA[Old debts can leave your credit report looking less than perfect. If you need to clean your credit up fast, you may want to consider disputing some of these old charges. Mistakes can sometimes happen, and if you find an error on your credit report, it can be disputed. But, did you know that old negatives can be disputed as well? Disputing Bad Credit Charges If you want to raise your credit score, your first step should be seeing exactly what can be disputed and removed from your credit report. Mistakes and bills that have already been paid are obvious choices. Next up, should be old charges, which can have an extremely negative effect on your credit score. Often times, collection agencies have moved your information around so much that their records are a mess. Its usually not worth it to them to take time to recover a really old debt. And, if the creditor no longer wishes to make an effort to collect the money or pursue a dispute, the negative item can be completely removed from your report. If you want o remove old credit charges, always make your dispute in writing and include a copy of your [...]]]></description>
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