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<title>Alan Barnes - EzineArticles Expert Author</title>
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<pubDate>Wed, 15 Feb 2012 02:18:35 -0600</pubDate>
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<description><![CDATA[Alan Barnes IAPDA Certified Debt Arbitrator and President and CEO of Debt Regret, Inc. http://www.debtregret.com]]></description>
<lastBuildDate>Thu, 29 May 2008 19:18:12 -0500</lastBuildDate>
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<title>Thinking Critically When it Counts Most!</title>
<link>http://EzineArticles.com/1203443</link>
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<pubDate>Thu, 29 May 2008 19:18:12 -0500</pubDate>
<description><![CDATA[As business owner myself, I understand and appreciate the importance of critical thinking. In order to debate well on just about any topic and think critically about all of the things that we see in every aspect of our daily lives, we need to properly understand how and why it is necessary that we master the ability to think critically.]]></description>
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<title>Conflict Resolution In The Workplace</title>
<link>http://EzineArticles.com/1203410</link>
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<pubDate>Thu, 29 May 2008 13:32:11 -0500</pubDate>
<description><![CDATA[Disagreements and conflicts are part of any dynamic and well functioning business organization. They arise because people have different experiences, cultural backgrounds, and outlooks on life. They often surface because people genuinely care about their performance at work and want to do their jobs to the best of their ability.]]></description>
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<title>Personality Style Differences Between Managers And Leaders</title>
<link>http://EzineArticles.com/1203528</link>
<guid>http://EzineArticles.com/1203528</guid>
<pubDate>Thu, 29 May 2008 11:52:00 -0500</pubDate>
<description><![CDATA[The difference in personality styles between a manager and a leader is one that must be taken into consideration. The main goal of a manager is to maximize the output of an organization through administrative processes. Managers emphasize level-headedness and restraint.]]></description>
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<title>Functions Of Business Management</title>
<link>http://EzineArticles.com/1203510</link>
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<pubDate>Thu, 29 May 2008 11:51:40 -0500</pubDate>
<description><![CDATA[It has been said that leaders do the right thing and managers do things right. While this is a subtle distinction between leaders and managers, in business, it can be the determining factor between failure and success. Unfortunately, it is one that often goes disregarded.]]></description>
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<title>Business Ethics In America</title>
<link>http://EzineArticles.com/1203461</link>
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<pubDate>Thu, 29 May 2008 11:51:21 -0500</pubDate>
<description><![CDATA[In order to fully understand ethics and how they relate to business, one must first define its key components. Ethics can be broken down into three categories: social, organizational, and individual.]]></description>
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<title>Americans Need Debt Relief!</title>
<link>http://EzineArticles.com/1201972</link>
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<pubDate>Thu, 29 May 2008 11:25:42 -0500</pubDate>
<description><![CDATA[Today, at an alarming rate, credit card companies are convincing consumers to live the American Dream, regardless of what it costs them. American's needs debt relief, now, more than ever before!]]></description>
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<title>Debt Consolidation - The Worst Thing You Can Do!</title>
<link>http://EzineArticles.com/396951</link>
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<pubDate>Wed, 27 Dec 2006 13:07:43 -0600</pubDate>
<description><![CDATA[Using home equity or retirement savings to pay off credit card debt is never a good idea. Unfortunately, more and more lenders, as well as other financial service companies, are pushing people to do just that. Don't use a debt consolidation program to get out of debt and here's why.]]></description>
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<title>How To Manage Your Debt</title>
<link>http://EzineArticles.com/112060</link>
<guid>http://EzineArticles.com/112060</guid>
<pubDate>Tue, 13 Dec 2005 04:41:22 -0600</pubDate>
<description><![CDATA[The need for debt management has never been higher; consumer spending and consumer debt is at an all time high. More and more Americans are in financial distress because they use credit cards as a way of living and spend beyond their means...]]></description>
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<title>Debt Relief: How To Get It!</title>
<link>http://EzineArticles.com/75561</link>
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<pubDate>Mon, 26 Sep 2005 07:01:44 -0500</pubDate>
<description><![CDATA[Wherever you live, chances are that you are finding yourself stretched beyond your financial limits - both physically and emotionally. Are you looking for answers to what should be a simple question: How can I get debt relief? Often, bankruptcy seems like the best solution to your problems; however, it is one decision certain to haunt you for years to come.]]></description>
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<title>Debt Settlement Vs Bankruptcy</title>
<link>http://EzineArticles.com/75552</link>
<guid>http://EzineArticles.com/75552</guid>
<pubDate>Sun, 25 Sep 2005 23:48:47 -0500</pubDate>
<description><![CDATA[With today's economic difficulties, consumer debt is at an all-time high. As American's continue to struggle with debt, record numbers of consumers--nearly 1.6 million in 2003--are filing for bankruptcy.]]></description>
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<title>Arbitration - Protect Yourself</title>
<link>http://EzineArticles.com/56664</link>
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<pubDate>Thu, 04 Aug 2005 04:47:05 -0500</pubDate>
<description><![CDATA[Arbitration is a process that seeks to resolve disputes without formal legal action.  A formal law suit, which can hold a company accountable, is replaced with a costly private justice system where high costs and abuse of the law have been documented.]]></description>
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<title>Debt Settlement : What You Need To Know</title>
<link>http://EzineArticles.com/40474</link>
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<pubDate>Wed, 01 Jun 2005 23:40:49 -0500</pubDate>
<description><![CDATA[Debt Settlement companies work with your creditors to help you reduce your unsecured debts though arbitration and negations. The important thing to realize about Debt Settlement is that it is a different type of program than Consumer Credit Counseling or Debt Reduction. Traditionally, these types of programs work with your creditors to lower your interest rates. Debt Settlement companies work with your creditors to reduce your credit card and unsecured debt balances, sometimes by as much as 40-60%! While this type of program can be quite effective, there are some major issues that must also be considered.]]></description>
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<title>How to Choose a Debt Settlement Company</title>
<link>http://EzineArticles.com/39977</link>
<guid>http://EzineArticles.com/39977</guid>
<pubDate>Tue, 31 May 2005 06:00:48 -0500</pubDate>
<description><![CDATA[As consumer debt continues to spiral out of control, debt relief is fast becoming a major concern for many American's. In 1999, American's made $1.1 Trillion worth of credit card purchases. In 2001, American credit card debt hovered around $690 billion. Unfortunately, in today's unstable economic conditions, many American's are being forced to turn to credit cards as a way to extend their income. Consumer debt is at an all-time high and American's need to know what they can do to get out of debt.]]></description>
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<title>Bankruptcy: What You Need to Know</title>
<link>http://EzineArticles.com/34443</link>
<guid>http://EzineArticles.com/34443</guid>
<pubDate>Sun, 08 May 2005 15:40:29 -0500</pubDate>
<description><![CDATA[Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start. Many people do not realize that there are five types of bankruptcy options available under the U.S. Bankruptcy Code; however, for most consumers there are really only two viable options; Chapter 7 and Chapter 13 bankruptcy.]]></description>
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<title>What is Debt Settlement and How Does it Work?</title>
<link>http://EzineArticles.com/33996</link>
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<pubDate>Fri, 06 May 2005 19:35:58 -0500</pubDate>
<description><![CDATA[Debt settlement involves negotiating with a creditor or creditors to pay off a percentage of your total debts at an agreed upon settlement amount. Often, people choose to utilize the services of a debt settlement company rather than attempting to do it on their own.]]></description>
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<title>Debt Validation: Do you have to pay ?</title>
<link>http://EzineArticles.com/34074</link>
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<pubDate>Thu, 05 May 2005 21:36:35 -0500</pubDate>
<description><![CDATA[It happens all the time. Debt collectors try to collect on debts that consumers have no knowledge of or never owed in the first place. So, what do you do when a bill collector demands payment in full on a debt that you never knew existed? You need to request a validation of debt.]]></description>
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<title>Debt: Don't Pay Your Minimum Balance</title>
<link>http://EzineArticles.com/24517</link>
<guid>http://EzineArticles.com/24517</guid>
<pubDate>Thu, 31 Mar 2005 13:07:12 -0600</pubDate>
<description><![CDATA[Almost all Americans carry credit card debt. Actually, over 40% of US families spend more than they earn. If you're like most of us, you try not to think about how much money you owe and what that debt is really costing you. If you did, you might not sleep too well. ]]></description>
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<title>Eliminating Credit Card Debt</title>
<link>http://EzineArticles.com/24513</link>
<guid>http://EzineArticles.com/24513</guid>
<pubDate>Thu, 31 Mar 2005 12:44:33 -0600</pubDate>
<description><![CDATA[The overwhelming task of eliminating your debt can often seem like an uphill battle. Without the knowledge and expertise of a professional on your side, unfortunately, the odds are not in your favor.]]></description>
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<title>Credit Reporting: How Does It Work?</title>
<link>http://EzineArticles.com/21347</link>
<guid>http://EzineArticles.com/21347</guid>
<pubDate>Thu, 17 Mar 2005 22:09:29 -0600</pubDate>
<description><![CDATA[In order to determine a consumer's credit worthiness, creditors and lending institutions have come to depend on credit reporting agencies. Credit reporting agencies supply individual reports that provide consumer specific information for lending purposes. Traditionally, a credit report will provide a detailed summary of any delinquency you have had with your creditors. This is measured by the number of times that you fallen more than 30, 60, 90, and 120 days past due. ]]></description>
</item>
<item>
<title>What is Bankruptcy</title>
<link>http://EzineArticles.com/20880</link>
<guid>http://EzineArticles.com/20880</guid>
<pubDate>Wed, 16 Mar 2005 12:50:07 -0600</pubDate>
<description><![CDATA[Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start.]]></description>
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<item>
<title>Is It Possible to Be Sued For My Debts?</title>
<link>http://EzineArticles.com/20886</link>
<guid>http://EzineArticles.com/20886</guid>
<pubDate>Wed, 16 Mar 2005 12:27:12 -0600</pubDate>
<description><![CDATA[It is possible for creditors and third-party collection agencies to use legal means as a way to collect debts. The likelihood of being sued or having your wages garnished depends largely on the creditor that is owed money. 
 
]]></description>
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<item>
<title>Is My Credit Card Debt A Problem?</title>
<link>http://EzineArticles.com/20885</link>
<guid>http://EzineArticles.com/20885</guid>
<pubDate>Wed, 16 Mar 2005 12:27:11 -0600</pubDate>
<description><![CDATA[For most Americans, credit card debt is a dangerous and growing problem. The average American family has more than $8000.00 in credit card debt and spends more than they earn on a annual basis.]]></description>
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<title>What is the Difference Between Unsecured and Secured Debt?</title>
<link>http://EzineArticles.com/20875</link>
<guid>http://EzineArticles.com/20875</guid>
<pubDate>Wed, 16 Mar 2005 12:19:03 -0600</pubDate>
<description><![CDATA[A secured debt is a debt in which the creditor maintains a security interest in an item or piece of personal property such as a house or an automobile. Unsecured debt is debt in which you borrow from a creditor to obtain goods or services on credit in exchange for your promise to repay the debt.]]></description>
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<title>What's the Difference Between Debt Settlement and Debt Consolidation?</title>
<link>http://EzineArticles.com/20878</link>
<guid>http://EzineArticles.com/20878</guid>
<pubDate>Wed, 16 Mar 2005 11:24:59 -0600</pubDate>
<description><![CDATA[The Debt Settlement process involves negotiating with your creditors to settle your debt for amounts significantly less than you currently owe. Debt Consolidation can be accomplished two ways. The first method is through a debt consolidation loan, and second through a debt consolidation service.]]></description>
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