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<title>Cole Collins - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Cole_Collins</link>
<pubDate>Wed, 15 Feb 2012 03:17:20 -0600</pubDate>
<image><title>Cole Collins - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Cole_Collins</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[I am an expert in the area of personal debt relief. I research the personal finance fields of bankruptcy and debt settlement in order to help those in debt. I have written numerous articles on various topics including debt consolidation, debt settlement, bankruptcy, and debt consolidation. My personal experiences with debt have inspired me to make a career out of debt management. It is my goal to keep up to date on current events regarding debt management and write informative articles that help others.]]></description>
<lastBuildDate>Wed, 01 Feb 2012 10:35:48 -0600</lastBuildDate>
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<title>What The Failed Mortgage Modification Programs Suggest About Consumer Debt Relief</title>
<link>http://EzineArticles.com/6852221</link>
<guid>http://EzineArticles.com/6852221</guid>
<pubDate>Wed, 01 Feb 2012 10:35:48 -0600</pubDate>
<description><![CDATA[We'd all like to enjoy the immediate benefits available from a wide spread and all encompassing program of debt relief, but responsible heads of household (and heads of government) must still recognize that a proper form of fiscal management relies upon more than just erasing past obligations. For the family figureheads obsessed with just making it through the overgrown thickets of outstanding bills, a sudden and instantaneous forgiveness of all of the loans attached to the breadwinners' name wouldn't mean that much if there wasn't going to be a paycheck arriving at the end of the month. Delving even deeper...]]></description>
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<title>A New Transparency For Online Bachelor's Degree Providers</title>
<link>http://EzineArticles.com/6772650</link>
<guid>http://EzineArticles.com/6772650</guid>
<pubDate>Thu, 22 Dec 2011 09:22:40 -0600</pubDate>
<description><![CDATA[Over the past year, the federal government of the United States has taken a new interest in the institutions offering online Bachelor's degree and online Master's degree programs with the intention of protecting the American people from predatory companies more interested in profiting from unwary students than providing a worthwhile academic experience. After the sudden eruption in popularity of the web based schools attracted a frenzy of attention from media outlets always searching out the newest trends, it was likely just a matter of time before our self imposed political guardians decided to investigate the innovative approach to remote learning...]]></description>
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<title>Will Federal Credit Card Debt Relief Plans Ever See The Light Of Day?</title>
<link>http://EzineArticles.com/6772630</link>
<guid>http://EzineArticles.com/6772630</guid>
<pubDate>Thu, 22 Dec 2011 09:15:08 -0600</pubDate>
<description><![CDATA[While the dreadful unemployment statistics affecting virtually all sectors of the United States are still roundly considered to be the primary complication preventing a full economic recovery, many authorities on fiscal matters believe the staggering credit card debt balances owed by American households a threat of nearly equivalent proportions. Consumer advocates angrily point to the government's bailout of our mammoth corporate banks costing billions of dollars of Internal Revenue Service revenue without ever directly helping the debt burdened taxpayers themselves as a shameful emblem of our nation's twisted priorities. Though the health of our markets most assuredly demanded some measure...]]></description>
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<title>Do Student Loans Deserve Special Debt Relief Measures?</title>
<link>http://EzineArticles.com/6747337</link>
<guid>http://EzineArticles.com/6747337</guid>
<pubDate>Fri, 09 Dec 2011 15:49:12 -0600</pubDate>
<description><![CDATA[In the past year, the outstanding student loans owed by residents of the United States have grown so rapidly that the compiled funds borrowed for educational purposes by individual Americans now appears to be larger than even the amount of money represented by credit card debt accounts, but these burdens are actually far more insidious. While many students may have originally agreed to sign up for school loans under the presumption that they would be more or less investing in their own futures with an almost one hundred percent guaranteed rate of return, the sad fact remains that our current...]]></description>
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<title>Will The Occupy Wall Street Movement Force Substantive Credit Card Debt Relief?</title>
<link>http://EzineArticles.com/6661575</link>
<guid>http://EzineArticles.com/6661575</guid>
<pubDate>Tue, 01 Nov 2011 11:35:38 -0500</pubDate>
<description><![CDATA[Despite the impressive attendance figures and a self monitored discipline remarkable for what amounts to a vastly successful non violent flash mob as of yet still without visible hierarchy or organizing principles, the sheer novelty of the Occupy Wall Street approach first disquieted the guardians of the fourth estate. Reporters bound by the traditions of a different age were habitually unsuited to limn the boundaries of an amorphous bottom up philosophy that so inextricably blended logical and detailed requests for, say, meaningful student loan debt settlement legislation with an anarcho Marxist structural foundation, and cable networks hardly knew where to...]]></description>
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<title>Can Online Bachelor's Degree Programs In Nursing Cure Hospital Woes?</title>
<link>http://EzineArticles.com/6627181</link>
<guid>http://EzineArticles.com/6627181</guid>
<pubDate>Mon, 17 Oct 2011 10:48:20 -0500</pubDate>
<description><![CDATA[As if the health care agonies afflicting the United States were not already nearing pandemic proportions, a recent analytical evaluation conducted by the federal Department of Labor reported that the disquieting scarcity of certified nurses around parts of the rust belt and deep south only represents the first signs of a seriously egregious threat to public welfare. Worse yet, the graying of America, in other words, the looming costs to social programs as the Baby Boomer generation passes the age of retirement and progressively requires managed care is only half of the quandary. According to financial authorities extrapolating the deeper...]]></description>
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<title>A Look Through The Benefits Of Getting A Degree Online</title>
<link>http://EzineArticles.com/6605173</link>
<guid>http://EzineArticles.com/6605173</guid>
<pubDate>Thu, 06 Oct 2011 07:46:47 -0500</pubDate>
<description><![CDATA[Ease Of Transition - For the millions of Americans whose hopes of advanced education had been sidetracked over the years for one reason or another, the idea of returning to the rigors of class attendance and regular bouts of homework can be daunting, to say the least. Even if you do not hesitate before resuming the distinct strains accumulated by focusing upon unfamiliar course material and crafting essays to the whims of professorial approval after more than a decade spent away from the peculiar mental processes required by formal education, there's bound to be some nervousness spurred through just walking...]]></description>
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<title>Getting A Degree Online? There's An App For That!</title>
<link>http://EzineArticles.com/6564306</link>
<guid>http://EzineArticles.com/6564306</guid>
<pubDate>Fri, 16 Sep 2011 13:24:02 -0500</pubDate>
<description><![CDATA[Starting Out Whether you're looking for an online Associate's degree, an online Bachelor's degree, an online Master's degree, or, shudder, one of those conventional campuses to fulfill your scholastic needs, USA Graduate School: Education will serve as a wonderful reference tool all neophyte students should download to their phones. For those weeks (if not months) spent continually narrowing down the various options while asking advice from friends and family at every given opportunity, you'll want to carry along an app that's already researched and ranked the potential choices through overviews of specialties, alumni satisfaction admission requirements, costs of tuition,...]]></description>
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<title>What Not To Say To Credit Card Debt Collectors</title>
<link>http://EzineArticles.com/6556346</link>
<guid>http://EzineArticles.com/6556346</guid>
<pubDate>Tue, 13 Sep 2011 15:05:34 -0500</pubDate>
<description><![CDATA[With worst case scenarios, no matter how fantastically paranoid, darting about the brainpan of even the most ordinarily rational of lapsed borrowers once they realize they're on the phone with a debt collection representative, debt relief specialists have come to resignedly accept the decent odds that their clients will hamstring their own chances at an enlightened compensation package during the very initial bout of correspondence. Even consumers who'd previously thought themselves fully girded against telemarketed manipulations will helplessly allow the lender reps to prick the edges of their darkest nightmares -- whether explaining to a boss that creditors will soon...]]></description>
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<title>Will Getting A Degree Online Change Traditional Colleges?</title>
<link>http://EzineArticles.com/6544118</link>
<guid>http://EzineArticles.com/6544118</guid>
<pubDate>Wed, 07 Sep 2011 11:47:19 -0500</pubDate>
<description><![CDATA[Despite the explosion of publicity that has grown up around the newly popular cyber studies format, many educational authorities continue to wonder whether or not the online Bachelor's degree programs offered by an increasing number of colleges and universities should be judged as an unmitigated success. The internet has sparked so many changes to the world, rendering areas of life from home entertainment to the gathering of information utterly unrecognizable within a generation, that it's perfectly understandable for media commentators to spin fantasies about the potential of the medium. Yes, the online Bachelor's degree will be substantially more cost effective than...]]></description>
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<title>How To Examine Credit Reports Before Starting Debt Relief</title>
<link>http://EzineArticles.com/6501330</link>
<guid>http://EzineArticles.com/6501330</guid>
<pubDate>Thu, 18 Aug 2011 12:59:22 -0500</pubDate>
<description><![CDATA[Don't Fear The Hard Inquiries - For credit bureaus, inquiries refer to the formal requests to view the compiled data submitted by anyone outside the reporting agency, and, ever since the general public learned that such inquiries could effectively push down scores, the rumors and half-truths have been flying non-stop. As a matter of fact, some prospective borrowers or credit card debt relief candidates -- those, at least, interested in a strategy like consolidation which does deny participation based upon FICO figures -- grow so worried about their ratings that they refrain from even checking their own credit reports. Above...]]></description>
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<title>The Impact Of Lowered American Credit Ratings Upon Credit Card Debt</title>
<link>http://EzineArticles.com/6481475</link>
<guid>http://EzineArticles.com/6481475</guid>
<pubDate>Tue, 09 Aug 2011 13:11:58 -0500</pubDate>
<description><![CDATA[Now that the globally respected firm of Standard And Poor has formally downgraded the ratings of the United States specifically, those bonds issued by the Department of the Treasury from Triple A to Double A, many consumers are wondering just what the implications of this decision will mean for their own lives. After all, with so much of the country still in the middle of debt relief nightmares (whether worrying about loan modifications as a part of mortgage debt settlement or simply ongoing credit card debt relief efforts)...]]></description>
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<title>Comparing The National Deficit To Credit Card Debt</title>
<link>http://EzineArticles.com/6457929</link>
<guid>http://EzineArticles.com/6457929</guid>
<pubDate>Fri, 29 Jul 2011 12:30:21 -0500</pubDate>
<description><![CDATA[Obviously, there are great differences between the debt relief of a nation and the efforts of an ordinary household to erase credit card debt account balances, but, at the same time, there are more similarities than you might think. While consumers understandably wish to avoid bankruptcy protection for fear of lowering their future potential for borrowing, the government of the United States would wisely steer clear of some of the more useful tactics for minimizing their own fiscal obligations (such as the deflation of currency) because any hint of such actions would necessarily lessen the estimated value of our Treasury...]]></description>
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<title>Do We Need Greater Federal Debt Relief Regulations?</title>
<link>http://EzineArticles.com/6425363</link>
<guid>http://EzineArticles.com/6425363</guid>
<pubDate>Fri, 15 Jul 2011 09:30:39 -0500</pubDate>
<description><![CDATA[With all but a handful of states now demanding that the representatives of the national government heighten the guidelines protecting their residents against the excessive charges and ethical failings of businesses operating as credit card debt relief ventures, the Federal Trade Commission is investigating a number of different approaches. It's almost certain, for example, that a telemarketing industry already on the run from the ever encroaching public discontent and perhaps crippled by evolving technologies will face additional hurdles. Arguably, the ongoing changeover seen in American society from home phones to cellular devices (and the preponderance of caller identification systems) has...]]></description>
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<title>Increasing Numbers Of Home Owners Choose Foreclosure Above Mortgage Debt Relief</title>
<link>http://EzineArticles.com/6410805</link>
<guid>http://EzineArticles.com/6410805</guid>
<pubDate>Mon, 11 Jul 2011 09:32:54 -0500</pubDate>
<description><![CDATA[From a recent study of American home owner opinions, more than a quarter of the men and women surveyed strongly believe that it would be perfectly appropriate to throw up their hands and ignore the demands of their equity loans should the household budget be suddenly impaired, double the rate of last year. Janice Walsh, a single mother from Boulder, Colorado, says that she tried her best to manage the bills and save her family's residence, but, after meeting with out and out resistance to debt relief negotiations from her mortgage lender, she just felt that she had no other...]]></description>
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<title>Don't Waste Money On Credit Card Debt Relief Fraud</title>
<link>http://EzineArticles.com/6402804</link>
<guid>http://EzineArticles.com/6402804</guid>
<pubDate>Wed, 06 Jul 2011 15:55:00 -0500</pubDate>
<description><![CDATA[We're all constantly searching for ways to help guarantee a useful and efficient debt relief approach, but, while it's always a good idea to continue to search out new innovations that may come about, financial professionals would strenuously suggest that any curious borrowers do intensive research before signing up for any service. This advice should especially true for those programs that charge anything more than a petty sum included to discourage time wasters. Odds are, if you're currently interested in a credit card debt relief mechanism, you likely don't have the budgetary latitude to throw away good money after the...]]></description>
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<title>Tricks To Help Consumers Curb Spending</title>
<link>http://EzineArticles.com/6389814</link>
<guid>http://EzineArticles.com/6389814</guid>
<pubDate>Thu, 30 Jun 2011 08:54:18 -0500</pubDate>
<description><![CDATA[With all of the possibilities for spending more than you earn within a seemingly endless variety of shopping destinations famed the world over, residents of Orange County have a particularly hard time managing to seriously follow credit card debt relief plans, but, given economic conditions of late, the need for cutting out unnecessary expenses and sticking to a budget has never been greater. Although surveys of Southern Californians by state government bureaus anxious to reduce the unsecured financial obligations collected by homeowners have uniformly proven that local consumers understand the dangers posed by credit card debt loads, account balances continue...]]></description>
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<title>How Credit Card Debt Sunk The Dodgers</title>
<link>http://EzineArticles.com/6378537</link>
<guid>http://EzineArticles.com/6378537</guid>
<pubDate>Mon, 27 Jun 2011 09:44:46 -0500</pubDate>
<description><![CDATA[Seven years ago, when Frank McCourt submitted a bid to the famously cultish owners group controlling Major League Baseball for purchase of the Los Angeles Dodgers, approval passed with little discussion apart from the handful of Southern California media members who'd bothered to check with their East Coast contemporaries that had prior knowledge of McCourt's financial history. At the time, though, considering the all but vacant owners had allowed the storied ballclub to pass into worrisome neglect - it'd been seven years without a post season appearance - highlighting tales of nightlife profligacy and mismanaged business transactions and a history...]]></description>
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<title>No More Teachers, No More Books, Just Collection Agents' Dirty Looks: Student Loan Debt Relief</title>
<link>http://EzineArticles.com/6337209</link>
<guid>http://EzineArticles.com/6337209</guid>
<pubDate>Thu, 09 Jun 2011 08:40:49 -0500</pubDate>
<description><![CDATA[While seniors graduating from high school and dreaming about the promise of dorm life might well wish to spend their last summer of childhood free from care, financial counselors insist that the most vital lessons of debt relief be taught - and taught well - before the new students leave home. For the grand majority of kids, loans taken out for higher education will be their earliest entry into the world of consumer finance, and, even though parents and guidance counselors (foolishly, in many cases) may try to paint the decision to borrow money for scholastic endeavors as a no...]]></description>
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<title>Golden State, Golden Years, Not So Golden Anniversary: Divorce and Relief For California Seniors</title>
<link>http://EzineArticles.com/6296160</link>
<guid>http://EzineArticles.com/6296160</guid>
<pubDate>Wed, 25 May 2011 09:37:46 -0500</pubDate>
<description><![CDATA[Newspapers worldwide have had a field day delving into the lurid details of the divorce between Arnold Schwarzenegger and Maria Shriver, and, though the marital problems of a former Governor of California (and top box office star) and a Kennedy (a former television personality in her own right) possesses a certain undeniable cachet, the public fascination with splitting couples goes far beyond the relative celebrity of the men and women involved. Although the salacious intricacies of an alleged affair conducted between the famed "Governator" and a member of his household staff would seem sufficient to fill the scandal sheet, financial...]]></description>
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<title>Mortgage Debt Relief And The Failings Of FICO Scores</title>
<link>http://EzineArticles.com/6257797</link>
<guid>http://EzineArticles.com/6257797</guid>
<pubDate>Wed, 11 May 2011 10:59:30 -0500</pubDate>
<description><![CDATA[Although the United States economy has slowly started to rebound from the crippling recession of recent years, our housing market continues to stagger following the dramatic plunge in property appraisals - and accompanying boom in foreclosures - that came about as a direct result of credit card debt relief equity loans handed out to demonstrably undeserving home owners. Exploiting the absence of common sense governmental restrictions upon the industry in the wake of what was even at the time generally assumed to be an obstinate real estate bubble (raising values as much as ten to twenty percent above reasonable pricings)...]]></description>
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<title>What Every West Coaster Should Know About Credit Card Debt</title>
<link>http://EzineArticles.com/6243393</link>
<guid>http://EzineArticles.com/6243393</guid>
<pubDate>Fri, 06 May 2011 11:04:36 -0500</pubDate>
<description><![CDATA[Burdens Of Matrimony - Although most couples residing with the state of California primarily concern themselves with the expected split of monetary assets owing to the local government's famed community property states, the very same regulatory parameters have resulted in a broadly defined mix of debt obligations that could leave unwary former spouses stuck behind the eight ball following a quick divorce. While much of the uncertainties could be eased by employing an attorney specializing in marriage law - as well as, of course, taking advantage of a simply worded prenuptial agreement to minimize doubts and mistrust throughout the duration...]]></description>
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<title>Debt Relief Solutions When You Can't Pay Your Debt To IRS Agents</title>
<link>http://EzineArticles.com/6212404</link>
<guid>http://EzineArticles.com/6212404</guid>
<pubDate>Tue, 26 Apr 2011 11:29:40 -0500</pubDate>
<description><![CDATA[It's an all too common situation for the millions of Americans who are self employed, unemployed, or otherwise left to the sad state of owing more money on their income tax returns than they could readily pay on the dreaded April due date. Whether you'd decided to knowingly claim superfluous exemptions upon the tax forms given out at the workplace or simply made a mistake upon the (admittedly confusing) documents, there's no difference in the eyes of the Internal Revenue Service, and, while this doesn't mean you're left without alternative, you wouldn't be wrong to worry about owing any significant...]]></description>
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<title>Obtain IRS Debt Relief And Avoid A Tax Penalty</title>
<link>http://EzineArticles.com/6180211</link>
<guid>http://EzineArticles.com/6180211</guid>
<pubDate>Fri, 15 Apr 2011 13:17:54 -0500</pubDate>
<description><![CDATA[Given the tumultuous environment of today's economic climate, credit card debt and other (secured and unsecured) loans have become a commonplace occurrence, but the true extent of the overall problem is in reality even more troubling than typically understood. Yes, for a full accounting of the potential consequences, the financial burdens to consumers must also include the amount of taxes owed to the Internal Revenue Service each year. Recent governmental reports confirm that an average of nineteen percent of the taxpaying population owes some amount of past income tax obligations, be they unpaid debts following an improperly handled filing or...]]></description>
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<title>Credit Card Debt Getting Trickier With Current Economic Situation</title>
<link>http://EzineArticles.com/6168994</link>
<guid>http://EzineArticles.com/6168994</guid>
<pubDate>Tue, 12 Apr 2011 16:29:35 -0500</pubDate>
<description><![CDATA[Even after all of the public scrutiny that large banks and financial institutions are receiving in the wake of accepting Government subsidization in the heat of economic crisis, the same establishments are asking for more. The new request that the banking industry is posing to Congress will cost the average American household $230 per year according to Economist Robert Shapiro. Even though the price tag may not be staggering, haven't your tax dollars done enough to help this limping, crippled industry?]]></description>
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<title>How New Legislation Will Impact The Top Debt Settlement Companies</title>
<link>http://EzineArticles.com/6149865</link>
<guid>http://EzineArticles.com/6149865</guid>
<pubDate>Wed, 06 Apr 2011 15:07:20 -0500</pubDate>
<description><![CDATA[Ever since the late autumn of 2010, new guidelines have been in effect regarding the debt settlement negotiation industry, which would theoretically force the top debt settlement companies to change their business practices. Specifically, though this would not unduly affect the operational mandate of the top debt settlement companies, no enterprise working within the settlement industry would now be allowed to assess any fees whatsoever before starting to help their clients barter down the amount of money owed upon their credit card bills. Despite the presumptions of many of the field's harshest critics, however, demanding any substantial sums during the...]]></description>
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<title>Will Co-Signed Loans Affect Debt Settlement Credit Card Negotiation?</title>
<link>http://EzineArticles.com/6130362</link>
<guid>http://EzineArticles.com/6130362</guid>
<pubDate>Fri, 01 Apr 2011 13:34:08 -0500</pubDate>
<description><![CDATA[The process of debt settlement credit card negotiation will be most effective for borrowers that can demonstrate a formerly sound history of satisfying debts prior to some unforeseeable turn of events, and familial obligations are accordingly prized. Many of the most interested settlement clients enjoyed a virtually spotless financial portfolio without a debt to be seen before one of their children (or even grandchildren) asked them to help lend proof of income or quality of credit rating to improve the chances of a loan or revolving debt account. Bad enough for secured loans featuring collateral that could be seized in...]]></description>
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<title>Top Six Questions To Ask An Online MBA Finance Advisor</title>
<link>http://EzineArticles.com/6098863</link>
<guid>http://EzineArticles.com/6098863</guid>
<pubDate>Fri, 25 Mar 2011 08:04:09 -0500</pubDate>
<description><![CDATA[1. Is the program fully accredited? Although a few slipshod institutions of higher learning in name only may have fallen through the cracks within the earliest days of the internet, any online MBA Finance providers currently advertising Master's programs delivered primarily through the computer will most assuredly have attained full credentials by one of the regional or national accrediting organizations recognized by the United States Department of Education.]]></description>
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<title>Why Online MBA Accounting Grads Are Trending Toward Financial Planning Careers</title>
<link>http://EzineArticles.com/6078651</link>
<guid>http://EzineArticles.com/6078651</guid>
<pubDate>Mon, 21 Mar 2011 14:23:30 -0500</pubDate>
<description><![CDATA[Most students about to enroll within an online MBA Accounting program likely know more than a little about the financial planning career path already. For that matter, most Americans of any educational background should be able to guesstimate an approximate definition of financial planning or management, even if they wouldn't necessarily presume that the job now implies concentration upon the collected monetary assets of individuals and families. If a given professional happens to be exceptionally successful - or, conversely, just starting out or winding down a financial management practice - he or she might handle the fiscal demands of only...]]></description>
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<title>The Secrets Behind Credit Card Debt Relief In The Lone Star State</title>
<link>http://EzineArticles.com/6065693</link>
<guid>http://EzineArticles.com/6065693</guid>
<pubDate>Thu, 17 Mar 2011 13:54:18 -0500</pubDate>
<description><![CDATA[There's such a cloud of dust separating fact from fiction when it comes to consumer debt relief around Texas, it stands to reason most folks may dismiss the most seemingly outlandish claims out of hand, but, if you want to know the absolute truth, the Lone Star legislators have erected such singular, stellar bylaws shielding the quality of life and reverence of asset ownership that, even beyond the statutory fidelity attending a man or woman's homestead, credit card debt collectors are intrinsically prevented from garnishing salary or wages from obstinate borrowers as well. Indeed, the only course left open to...]]></description>
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<title>Why Technology Equipment Leasing Makes More Sense In Today's Economy</title>
<link>http://EzineArticles.com/6051189</link>
<guid>http://EzineArticles.com/6051189</guid>
<pubDate>Mon, 14 Mar 2011 12:32:08 -0500</pubDate>
<description><![CDATA[There have been great advancements in the technology industry over past few decades. Consumers who have been alive for the past 40 years have seen what was once considered impossible are now so prevalent they are taken for granted. Both young and older generations are affected by the perpetual growth in technology.]]></description>
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<title>The Rules Of Negotiating Debt Settlement</title>
<link>http://EzineArticles.com/6014727</link>
<guid>http://EzineArticles.com/6014727</guid>
<pubDate>Thu, 10 Mar 2011 08:34:27 -0600</pubDate>
<description><![CDATA[For all but the most recent sliver of human history - and the story of civilization could quite easily be imagined as the story of debt and debt management - the practice of lending has been necessarily understood as a secured investment, and prospective borrowers assumed that their loan requests were to be judged primarily by the quality or value of whatever assets they could put up as sign of good faith and a defense against non payment. Given collateral (which, the past age of sanctioned slavery, could include children or even essentially a borrower's one life) able to be...]]></description>
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<title>How State Laws May Aid Your Credit Card Debt Relief Efforts</title>
<link>http://EzineArticles.com/5985666</link>
<guid>http://EzineArticles.com/5985666</guid>
<pubDate>Wed, 23 Feb 2011 16:05:22 -0600</pubDate>
<description><![CDATA[When folks legally residing in the state of Texas start out to research the methods of debt relief that may apply to their own family's situation, they usually gloss over the first few paragraphs of every article that illustrate the dichotomy between the different sorts of monetary burdens that exist. After all, even children would be able to distinguish the difference between unsecured debts like credit card accounts and the secured loans that are only triggered by borrowers with the intention of helping the purchase of one thing in particular - a car or a home, most likely, though big...]]></description>
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<title>Reasons Why Chapter 7 Bankruptcy Could Be Your Debt Settlement Solution</title>
<link>http://EzineArticles.com/5953199</link>
<guid>http://EzineArticles.com/5953199</guid>
<pubDate>Tue, 22 Feb 2011 09:30:46 -0600</pubDate>
<description><![CDATA[The Final Debt Settlement Solution Consumer finance professionals spend so much time trying to help borrowers avoid the ravages of bankruptcy that we do, sometimes, miss the forest for the trees. Yes, modern bankruptcy costs an arm and a leg in attorney fees to make absolutely certain the claimant would not be threatened with charges of fraud.]]></description>
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<title>Universal Benefits of Obtaining An MBA In Accounting Online</title>
<link>http://EzineArticles.com/5897107</link>
<guid>http://EzineArticles.com/5897107</guid>
<pubDate>Fri, 11 Feb 2011 14:39:06 -0600</pubDate>
<description><![CDATA[The benefits of obtaining an MBA in accounting online extend beyond those which are typically associated with business degrees. Although beneficial within the career fields immediately surrounding accounting and business management, accounting degrees (and MBA degrees in general) facilitate career development in a variety of fields, including telecommunication technologies, electronic commerce and university or lab-based research management. In fact, managerial positions of any kind require an accounting-based skill set and a fiscally-logical attitude.]]></description>
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<title>Two Questions To Ask During Interviews To Find The Best Debt Settlement Agency</title>
<link>http://EzineArticles.com/5860683</link>
<guid>http://EzineArticles.com/5860683</guid>
<pubDate>Tue, 08 Feb 2011 10:54:27 -0600</pubDate>
<description><![CDATA["Are you accustomed to being responsible for large amounts of money?" It's an understandable point of confusion about the specific responsibilities of a debt settlement agency, but a good number of even those clients that successfully run through the debt settlement program to culmination still seem a bit hazy about just what the settlement companies actually do with their money. Although there's always going to be a company that describes itself as a debt settlement agency - one, you'll note, that does not have any certification from the leading industry organizations - yet behaves like a Credit Counseling Company...]]></description>
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<title>The Lingering Credit Score Problems Associated With Bankruptcy and Foreclosure</title>
<link>http://EzineArticles.com/5829286</link>
<guid>http://EzineArticles.com/5829286</guid>
<pubDate>Wed, 02 Feb 2011 15:58:48 -0600</pubDate>
<description><![CDATA[Although the length of time in which evidence of a Chapter 7 or Chapter 11 bankruptcy filing will continue to appear on a consumer's credit report - the histories of debts and timely compensation compiled by three different reporting agencies - does partially depend upon the state serving as the borrower's legal residence, you can be sure some record of the governmental protection shall last for at least seven years and generally nine, regarding bankruptcy. Foreclosure proceedings, on the other hand, are strictly covered by the federal statutes and will remain present as threat to future lenders (and, more and...]]></description>
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<title>The Expansion Of Debt Settlement Service Providers Within The United States</title>
<link>http://EzineArticles.com/5694402</link>
<guid>http://EzineArticles.com/5694402</guid>
<pubDate>Wed, 12 Jan 2011 12:55:10 -0600</pubDate>
<description><![CDATA[Debt settlement seems to be a booming industry. lately with the recent legislation laws that have changed, it has become more legitimate and safer for consumer to enroll in such programs. Many of the fly by night fraudulent companies can no longer exist.]]></description>
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<title>The Morality Of Modern Borrowing And Understanding The Debt Settlement Program</title>
<link>http://EzineArticles.com/5661257</link>
<guid>http://EzineArticles.com/5661257</guid>
<pubDate>Thu, 06 Jan 2011 08:34:33 -0600</pubDate>
<description><![CDATA[Regardless of the savings available, we do not wish to give the impression that gaining admittance to a debt settlement program comes without any consequences for the borrower. If you have already run up your unsecured debt balances to such an extent as normal compensation's all but a fantasy, you owe it to yourself and your family to unearth every last path toward satisfaction of the various alternatives toward bankruptcy: or the slow road toward serfdom virtually guaranteed through funding naught but the minimum monthly payments on billing statements. We're sure, had you to do everything over again...]]></description>
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<title>Common Errors When Shopping Debt Settlement Companies</title>
<link>http://EzineArticles.com/5653875</link>
<guid>http://EzineArticles.com/5653875</guid>
<pubDate>Mon, 03 Jan 2011 18:38:22 -0600</pubDate>
<description><![CDATA[Bigger Won't Necessarily Mean Better - Many consumers have reported extremely favorable results after opting to sign on with one of the relatively smaller firms specializing in the settlement negotiation niche field of financial services. According to the more than satisfied clientele, a reduced organizational structure allows significantly more time spent between the debtor and the negotiator with no discernible loss of experience or proficiency (in fact, from these anecdotal accounts quite the opposite). It's true that these companies often boast a higher degree of risk, and,the same as when checking out the background of any debt settlement companies, you'll...]]></description>
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<title>Useful Advice When Selecting Debt Consolidation Companies</title>
<link>http://EzineArticles.com/5620349</link>
<guid>http://EzineArticles.com/5620349</guid>
<pubDate>Tue, 28 Dec 2010 16:02:26 -0600</pubDate>
<description><![CDATA[Choosing an effective debt assistance program should begin with an honest account of your financial state of affairs. A realistic appraisal of your income, expenses, and credit obligations will indicate whether you truly need to participate in a program offered through debt consolidation companies. After calculation, folks who find that they have just enough to afford a) essential living expenses, b) the monthly consolidation payment, c) a small something to put aside in savings may deem this program most suitable.]]></description>
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<title>The Four Most Popular Reasons For Filing Chapter 13 Bankruptcy Claims</title>
<link>http://EzineArticles.com/5592951</link>
<guid>http://EzineArticles.com/5592951</guid>
<pubDate>Thu, 23 Dec 2010 13:13:47 -0600</pubDate>
<description><![CDATA[Everyone has their reasons for declaring bankruptcy and not just having debt is the reason. In this article we will cover the top 4 reasons consumers file bankruptcy.]]></description>
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<title>Group Health Insurance Models of HMOs</title>
<link>http://EzineArticles.com/5546685</link>
<guid>http://EzineArticles.com/5546685</guid>
<pubDate>Tue, 14 Dec 2010 16:22:24 -0600</pubDate>
<description><![CDATA[Learn more about HMO health insurance plans relating to group health insurance. The HMO model differs from various other forms of group health insurance.]]></description>
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<title>File Bankruptcy Paperwork Without The Help Of An Attorney</title>
<link>http://EzineArticles.com/5533484</link>
<guid>http://EzineArticles.com/5533484</guid>
<pubDate>Mon, 13 Dec 2010 12:57:33 -0600</pubDate>
<description><![CDATA[For consumers of ordinary means attempting to eliminate mounting medical bills or credit card debt balances, the assistance of legal representation will be most valued during the initial bout of paperwork before they file bankruptcy. Still, even if the expense of an attorney would not be easily affordable, borrowers need not break the bank to forge an effective measure of debt elimination. Handling the bankruptcy documents alone might take a bit more time, but it should definitely be within the capacity of every head of household, so long as they exercise patience and sound judgment.]]></description>
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<title>Let Credit Debt Consolidation Agents Do Your Talking For You</title>
<link>http://EzineArticles.com/5505231</link>
<guid>http://EzineArticles.com/5505231</guid>
<pubDate>Tue, 07 Dec 2010 19:32:59 -0600</pubDate>
<description><![CDATA[Find out what debt consolidation agents do for you. They could be your saving grace when it comes to debt.]]></description>
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<title>Credit Card Debt Relief For The Holidays</title>
<link>http://EzineArticles.com/5435351</link>
<guid>http://EzineArticles.com/5435351</guid>
<pubDate>Mon, 29 Nov 2010 10:50:57 -0600</pubDate>
<description><![CDATA[Raking up for the holidays can be very easy and dangerous. Be careful and avoid debt this holiday season.]]></description>
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<title>How Debt Relief Through Settlement Is Still Possible</title>
<link>http://EzineArticles.com/5401842</link>
<guid>http://EzineArticles.com/5401842</guid>
<pubDate>Thu, 18 Nov 2010 15:18:52 -0600</pubDate>
<description><![CDATA[Debt Relief companies still doing business after new FTC laws take effect. Some changes have put companies out of business, other companies continue to eliminate debt.]]></description>
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<title>Comparison Shopping Debt Consolidation Companies</title>
<link>http://EzineArticles.com/5394623</link>
<guid>http://EzineArticles.com/5394623</guid>
<pubDate>Thu, 18 Nov 2010 09:42:09 -0600</pubDate>
<description><![CDATA[Advice on how to shop for a debt consolidation companies. Each program can very on how they work, learn more about debt consolidation in order to pick the best possible option.]]></description>
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<title>What Kind of Credit Card Debt Reduction Could You Achieve Through Settlement Negotiation?</title>
<link>http://EzineArticles.com/5360076</link>
<guid>http://EzineArticles.com/5360076</guid>
<pubDate>Fri, 12 Nov 2010 14:16:24 -0600</pubDate>
<description><![CDATA[Learn how much credit card debt can legally be eliminated with debt negotiation. Credit card debt can be settled legally it is dependent upon your situation.]]></description>
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<title>Credit Card Debt Consolidation: Finding The Balance Between Comfort And Concern</title>
<link>http://EzineArticles.com/5345022</link>
<guid>http://EzineArticles.com/5345022</guid>
<pubDate>Wed, 10 Nov 2010 13:25:43 -0600</pubDate>
<description><![CDATA[Among the seasoned vets entrenched within the consumer finance community, balance transfers are widely considered to be a stopgap measure at best for consumers possessing serious credit card debt totals. Certainly, experienced debt relief officers working for independent firms that have no direct ties to lending institutions will argue against this approach to credit card debt consolidation for a number of different reasons, not least because switching balances to enjoy the effects of a (strictly temporary, we rush to remind) reduced interest rate shall more likely confuse heads of household about their actual degree of progress and lure them towards...]]></description>
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<title>Is Consolidating Credit Card Debt Through Equity Loans A Good Idea?</title>
<link>http://EzineArticles.com/5314164</link>
<guid>http://EzineArticles.com/5314164</guid>
<pubDate>Wed, 03 Nov 2010 15:30:01 -0500</pubDate>
<description><![CDATA[Consolidating credit card debt balances by means of a home mortgage remains an extremely popular form of debt relief. Even after learning about the thousands of residences across the United States that were tragically lost to foreclosure once the home owners could not pay the annually increasing interest charges assessed upon their equity loans - media coverage illustrating the effects of failed mortgages running non stop for the past few years, television news cycles rarely tire of heart rending footage as family domiciles are boarded up by agents of the courts - the demand for such services has barely dimmed.]]></description>
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<title>New Laws Protect the Debt Relief Rights of Consumers</title>
<link>http://EzineArticles.com/5312216</link>
<guid>http://EzineArticles.com/5312216</guid>
<pubDate>Wed, 03 Nov 2010 12:50:27 -0500</pubDate>
<description><![CDATA[Credit card debt is an issue that looms large amongst a majority of American consumers who have become accustomed to a way of life afforded by the ease and immediacy of buying on credit. Reckless materialism accounts for a smaller portion of the nation's consumer credit card debt, however. Many debtors end up in over their heads in a sea of credit card demands as a result of a struggle to survive in the midst of economic hardship - a job loss, medical bills or divorce are common factors leading to credit overspending and massive debt balances defying the potential for timely repayment.]]></description>
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<title>To Get Out of Credit Card Debt, Knowledge Is Your Best Guide</title>
<link>http://EzineArticles.com/5306280</link>
<guid>http://EzineArticles.com/5306280</guid>
<pubDate>Tue, 02 Nov 2010 14:03:45 -0500</pubDate>
<description><![CDATA[Knowing is half the battle when it comes to getting our of debt. Discover more about debt relief programs and how they function in order to see if professional debt assistance is right for you.]]></description>
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<title>How Lower Scores Can Actually Help With Credit Card Debt Relief</title>
<link>http://EzineArticles.com/5287345</link>
<guid>http://EzineArticles.com/5287345</guid>
<pubDate>Fri, 29 Oct 2010 12:59:35 -0500</pubDate>
<description><![CDATA[Most Americans who've begun investigating the differing methods of whittling down their collected debt balances first start looking at the potential options for consolidating their credit card bills into a singular obligation with substantially reduced Annual Percentage Rates (and similarly lowered monthly payments). We recognize the benefits that approach holds for some borrowers, but the majority of consumers have sadly come to realize that the credit rollback following the national economic recession has severely hindered such hopes for all but the most stellar of candidates. More to the point, not everyone looking for some help with debt relief will have...]]></description>
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<title>Winning Settlements Through Credit Card Debt Programs</title>
<link>http://EzineArticles.com/5252872</link>
<guid>http://EzineArticles.com/5252872</guid>
<pubDate>Mon, 25 Oct 2010 10:55:41 -0500</pubDate>
<description><![CDATA[While the number of Americans newly interested about settlement negotiation and other credit card debt programs persistently swells along with the looming unsecured debt toll shared by most all of our men and women, the average consumer remains alarmingly unaware about virtually any accurate detail regarding the credit card debt negotiation procedures. Sure, folks have heard bits and pieces about debt settlement negotiation around the water cooler or over a family dinner or by turning on the very end of a television news program, but most of the debtors who take advantage of a cost free introductory session with a...]]></description>
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<title>Consolidate Credit Card Debts at Your Own Peril</title>
<link>http://EzineArticles.com/5233122</link>
<guid>http://EzineArticles.com/5233122</guid>
<pubDate>Wed, 20 Oct 2010 15:59:55 -0500</pubDate>
<description><![CDATA[With times tighter than ever around the United States of America and the swarming onrush of bills gaining a dangerous velocity, forms of debt relief from settlement to bankruptcy protection seem newly appealing to debtors clamoring from some hope of release with increasing desperation. The urge to consolidate credit card debts, certainly, and cut the amount of money owed each month by as much as half certainly sounds like ample argument to convince yet jobless borrowers and heads of household underwater on their mortgage loans that they should trade card accounts for even a marginally better offer. Like any other...]]></description>
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<title>Are Americans Reducing Credit Card Debt?</title>
<link>http://EzineArticles.com/5207264</link>
<guid>http://EzineArticles.com/5207264</guid>
<pubDate>Mon, 18 Oct 2010 11:25:41 -0500</pubDate>
<description><![CDATA[The Federal Reserve of the United States has announced that the amount of credit card debt held by American consumers had steadily gone down for almost twenty four consecutive months. Not only has the average balances of unsecured debt for the American households declined substantially over the past two years, but the rate of delinquencies has showed even greater progress with a decline of nearly twenty percent over consecutive quarters. To a certain extent, this news has been nothing short of commendable as men and women within the United States have demonstrated an increased awareness of the dangers of high...]]></description>
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<title>Free Credit Card Debt Help: You Get What You Pay For</title>
<link>http://EzineArticles.com/5192152</link>
<guid>http://EzineArticles.com/5192152</guid>
<pubDate>Thu, 14 Oct 2010 08:10:27 -0500</pubDate>
<description><![CDATA[Up until now, we have not seen any effective governmental forms of assistance for free credit card debt assistance besides Chapter 7 bankruptcy protection - which could hardly be argued to be free in practical measures given the growing importance of attorneys to the process following Congressional legislation - and some tax breaks given to the not for profit Credit Card Counseling companies, which have been shown to be largely ineffective as debt relief resources.]]></description>
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<title>Effective Methods for Handling a Summons for Credit Card Debt</title>
<link>http://EzineArticles.com/5167275</link>
<guid>http://EzineArticles.com/5167275</guid>
<pubDate>Fri, 08 Oct 2010 14:26:47 -0500</pubDate>
<description><![CDATA[Odds are, if you've just been given a summons for credit card debt, that'll be the first time in your life that you have run into difficulties with the legal authorities, and it's just as likely that you don't have much of an idea how to go about responding. Most importantly, you have to stay calm. If you just follow a couple different points, you should be able to avoid the most dangerous sorts of civil judgments - the ones that threaten seizure of property or salary garnishment - without fear.]]></description>
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<title>Explaining the PPO Group Health Insurance System</title>
<link>http://EzineArticles.com/5147945</link>
<guid>http://EzineArticles.com/5147945</guid>
<pubDate>Fri, 08 Oct 2010 11:37:02 -0500</pubDate>
<description><![CDATA[As you may well imagine, the ability to choose one's own doctors has led to the Preferred Payment Organization alternative being far and away the most popular approach from virtually every employee questioned about the most favored group health insurance option. Still, as will happen with so many aspects of a smaller corporate operation, the work force does not always completely understand all of the elements that go into the decision making process. However much that the employees may feel compelled to stay with their family primary care physician, even if they haven't actually seen their doctor for years (or,...]]></description>
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<title>Can the Government Help With Credit Card Debt?</title>
<link>http://EzineArticles.com/5152410</link>
<guid>http://EzineArticles.com/5152410</guid>
<pubDate>Wed, 06 Oct 2010 13:23:28 -0500</pubDate>
<description><![CDATA[After what appears in retrospect to be decades of shamefully lax restrictions upon revolving lines of credit, the ever rising tide of irritation among the electorate regarding the absence of governmental guidelines regulating the unsecured consumer finance merchants led to the swift and relatively uncontroversial passage of the CARD Act legislation during the first few months of 2010 despite the best efforts of the multi national lending institutions (the so called super banks supposedly too big to fail) and their exceedingly well subsidized political action committees. As federal oversight endeavors go, the CARD Act was almost irritatingly gentle and the...]]></description>
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<title>The Hazards of Credit Card Consolidation</title>
<link>http://EzineArticles.com/5121406</link>
<guid>http://EzineArticles.com/5121406</guid>
<pubDate>Mon, 04 Oct 2010 10:44:49 -0500</pubDate>
<description><![CDATA[Credit card consolidation has become harder than ever for borrowers to obtain following the credit crunch suffered by the entire banking industry from 2007 until the later stages of 2009. Nevertheless, some debtors continue to attempt to find a lender willing to fund a consolidation, and there remain options available for people of all different stripes of credit. That said, for obvious reasons, the men and women with Beacon or Fair Isaacs scores above seven hundred should easily find a creditor to further their plans, even if they are searching for additional balances of up to six figures in which...]]></description>
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<title>Pick A Card: Credit, Debt, and Repayment</title>
<link>http://EzineArticles.com/5114148</link>
<guid>http://EzineArticles.com/5114148</guid>
<pubDate>Thu, 30 Sep 2010 11:50:19 -0500</pubDate>
<description><![CDATA[In finance as in life, it's always a good idea for American residents not independently wealthy - that is, the grand majority of us - to assume some problem will arise over the course of time that they never could have expected. One doesn't wish to walk around continually waiting for the other shoe to drop or dreading that disaster lurks over the horizon. Predicting some new misery around every corner can too easily become a self perpetuating tragedy, but, at the same time, it's wise to set aside funds just in case poor fortune does come calling.]]></description>
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<title>What to Avoid During Credit Card Settlement</title>
<link>http://EzineArticles.com/5092573</link>
<guid>http://EzineArticles.com/5092573</guid>
<pubDate>Tue, 28 Sep 2010 09:57:47 -0500</pubDate>
<description><![CDATA[there are certain actions consumers should avoid regarding credit card debt settlement. This article covers the most common mistakes in settlement negotiation.]]></description>
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<title>Debt Relief, Credit Card Debt Attorneys and the High Cost of Bankruptcy - The Truth About Collection</title>
<link>http://EzineArticles.com/5078403</link>
<guid>http://EzineArticles.com/5078403</guid>
<pubDate>Fri, 24 Sep 2010 09:52:45 -0500</pubDate>
<description><![CDATA[Learn the truth about the various costs associated with debt relief. Debt collection can be costly and so can debt relief services.]]></description>
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<title>Debt Consolidation Unmasked</title>
<link>http://EzineArticles.com/5053237</link>
<guid>http://EzineArticles.com/5053237</guid>
<pubDate>Mon, 20 Sep 2010 15:48:45 -0500</pubDate>
<description><![CDATA[Sadly, as seems to happen, the worse borrowers' financial situations appears, the more likely it will be that they must fend off the advances of predatory debt specialist companies aching to indulge their dearest hopes and take advantage of all too realistic fears from unlucky consumers. Debt burdens, once they've reached the gargantuan levels of debt too many Americans now suffer from, may seem beyond the control of ordinary households, and these creditor parasites pull every last heart string to exploit desperation for their own gains. Because of the actions of an unsavory few companies (believe it or not, most...]]></description>
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<title>Debt Settlement - From The Top</title>
<link>http://EzineArticles.com/5041276</link>
<guid>http://EzineArticles.com/5041276</guid>
<pubDate>Fri, 17 Sep 2010 13:30:55 -0500</pubDate>
<description><![CDATA[The basic principles of debt settlement. This article is a general overview of the debt settlement industry.]]></description>
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<title>Debt Relief Without Bankruptcy</title>
<link>http://EzineArticles.com/5033346</link>
<guid>http://EzineArticles.com/5033346</guid>
<pubDate>Thu, 16 Sep 2010 12:48:05 -0500</pubDate>
<description><![CDATA[Debt Relief without declaring bankruptcy is possible for many unaware Americans. Find out how debt elimination is possible without bankruptcy.]]></description>
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<title>Credit Card Debt Relief - An Insider's Perspective</title>
<link>http://EzineArticles.com/5003800</link>
<guid>http://EzineArticles.com/5003800</guid>
<pubDate>Fri, 10 Sep 2010 11:05:58 -0500</pubDate>
<description><![CDATA[Learn about credit card debt relief form someone who has lived through the experience. An insiders tale to credit card debt relief.]]></description>
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<title>Medical Debt Relief Through Settlement</title>
<link>http://EzineArticles.com/4959554</link>
<guid>http://EzineArticles.com/4959554</guid>
<pubDate>Thu, 02 Sep 2010 07:35:32 -0500</pubDate>
<description><![CDATA[Medical debt is different form other unsecured debts. Find out how to settle medical debts via debt settlement and how it differs from other debts.]]></description>
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<item>
<title>Clearing Up Medical Loans Through Debt Relief</title>
<link>http://EzineArticles.com/4925520</link>
<guid>http://EzineArticles.com/4925520</guid>
<pubDate>Thu, 26 Aug 2010 15:47:00 -0500</pubDate>
<description><![CDATA[Medical loans can make a financially responsible consumer into one with thousands of dollars in debt. Learn how to clear medical bills with available debt relief.]]></description>
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<item>
<title>The Credit Card Debt Consolidation Trap</title>
<link>http://EzineArticles.com/4899537</link>
<guid>http://EzineArticles.com/4899537</guid>
<pubDate>Tue, 24 Aug 2010 09:19:53 -0500</pubDate>
<description><![CDATA[There are certain risks involved with participating with a debt consolidation program. Find out how debt consolation services trap consumers and how to avoid it.]]></description>
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<item>
<title>Questions About Vehicle Repossession and Debt Relief</title>
<link>http://EzineArticles.com/4878946</link>
<guid>http://EzineArticles.com/4878946</guid>
<pubDate>Fri, 20 Aug 2010 07:44:58 -0500</pubDate>
<description><![CDATA[What happens with a repossession? Whenever a borrower defaults upon a secured loan (as opposed to unsecured loans such as credit card debt), the collateral will automatically become the property of the lending institution that originally arranged the debt. In general, most secured loans are tied to a vehicle - car, truck, even a boat - as part of the financing agreement, so the legality of the change of possession is seen as relatively straightforward.]]></description>
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<title>Credit Card Debt and Medical Bills - Killing the Pocketbook to Cure the Disease</title>
<link>http://EzineArticles.com/4851557</link>
<guid>http://EzineArticles.com/4851557</guid>
<pubDate>Fri, 13 Aug 2010 15:37:53 -0500</pubDate>
<description><![CDATA[For all too many households located within the United States, the men and women charged with providing for their families' welfare have had to weigh the financial benefits of full medical coverage against the alarming (and rising by as much as ten percent per annum) premium costs for single family plans. Group health insurance programs, of the sort granted virtually every American worker just one generation ago, are just so dramatically cheaper for both the insurance carrier and policy holder that even middle class families without keening credit card debt balances or salary complaints may well be forced to make some tough choices to keep their budget in line. ]]></description>
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<title>Tell Tale Signs of Debt Relief Fraud</title>
<link>http://EzineArticles.com/4829177</link>
<guid>http://EzineArticles.com/4829177</guid>
<pubDate>Tue, 10 Aug 2010 15:21:31 -0500</pubDate>
<description><![CDATA[For all of the millions of American borrowers who've grown more than a little terrified over the prospect of their credit card debt balances climbing further out of control, any debt relief plan that promises a trouble free strategy toward financial stability should rightly appear to be a near miracle. All things considered, it's more than reasonable that desperate borrowers with only the most rudimentary understanding of unsecured lending policies would not want to look a gift horse in the mouth. ]]></description>
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<item>
<title>Fixing Credit Reports Through Credit Card Debt</title>
<link>http://EzineArticles.com/4799329</link>
<guid>http://EzineArticles.com/4799329</guid>
<pubDate>Thu, 05 Aug 2010 08:49:40 -0500</pubDate>
<description><![CDATA[From the very first moment an American fills out an application to borrow funds or defaults upon utility or tax obligations, there will be a permanent record of credit card debt and financial missteps endlessly recalculated. However, the statute of limitations designed by the local legislatures of each state were created to ensure that credit reporting agencies cannot continue to bring up past late payments of credit card debt balances or defaulted accounts that have since been charged off by the lender. Although the precise duration will change according to your state of residence - a phone call to the...]]></description>
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<item>
<title>The Selection of Group Health Insurance</title>
<link>http://EzineArticles.com/4764415</link>
<guid>http://EzineArticles.com/4764415</guid>
<pubDate>Fri, 30 Jul 2010 10:17:24 -0500</pubDate>
<description><![CDATA[It's always difficult for management to effectively calculate just how much of the Chicago group health insurance premiums' cost they'll need to subsidize in order to ensure that the greatest amount of employees will be able to utilize medical coverage without unnecessarily hindering domestic budgets. At some point, once you've researched an educated guess about the estimated monthly monetary charge that your work force could afford, the question will come about as to whether or not to increase the deductible, include a system of co pays, or reduce benefits: dental, vision, and so on. ]]></description>
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<item>
<title>Collection Agencies and Debt Relief</title>
<link>http://EzineArticles.com/4748078</link>
<guid>http://EzineArticles.com/4748078</guid>
<pubDate>Wed, 28 Jul 2010 06:31:43 -0500</pubDate>
<description><![CDATA[Debt relief programs can be an advocate against collectors. Learn what debt relief programs can do for consumers regarding collection agencies.]]></description>
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<item>
<title>The Federal Trade Commission and Debt Relief Frauds</title>
<link>http://EzineArticles.com/4742216</link>
<guid>http://EzineArticles.com/4742216</guid>
<pubDate>Tue, 27 Jul 2010 13:49:36 -0500</pubDate>
<description><![CDATA[Following a number of customer complaints that their debt relief companies accepted money without actually carrying out virtually any of the original promises, the Federal Trade Commission actively began pursuing some of these claims levied against the debt relief industry. Accordingly, a new regulation threatened by the government would force firms advertising themselves as debt relief specialists to perform the actions for their clients before ever charging any money for services. ]]></description>
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<item>
<title>Credit Card Debt Relief and FICO Scores</title>
<link>http://EzineArticles.com/4719129</link>
<guid>http://EzineArticles.com/4719129</guid>
<pubDate>Fri, 23 Jul 2010 11:07:33 -0500</pubDate>
<description><![CDATA[Learn what happens to your credit score once you finally get out of credit card debt. Also see what professional debt relief programs does to credit.]]></description>
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<item>
<title>A Look Behind the Numbers of Beacon Credit Scores</title>
<link>http://EzineArticles.com/4705225</link>
<guid>http://EzineArticles.com/4705225</guid>
<pubDate>Wed, 21 Jul 2010 14:04:56 -0500</pubDate>
<description><![CDATA[From the recent advertising blitz strafing late night TV airwaves, we all should recognize that three separate but equal credit reporting bureaus - TransUnion, Equifax, and Transperian (the old TRW) - each boast their own unique FICO scores. In the best of all possible worlds, these scores should roughly approximate the numbers of the counterpart agencies. However, the sheer number of American consumers and their accumulated bills and credit debts allow for inescapable inaccuracies that lead directly to aberrant FICO Beacon scores.]]></description>
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<title>What Every American Should Know About Credit Card Debt Relief</title>
<link>http://EzineArticles.com/4682479</link>
<guid>http://EzineArticles.com/4682479</guid>
<pubDate>Mon, 19 Jul 2010 10:52:04 -0500</pubDate>
<description><![CDATA[Know the basics when it comes to credit card debt relief. There are easy steps and principles one should consider when getting out of debt, read about them in this article.]]></description>
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<title>Credit Card Debt Relief Beyond Equity Consolidation</title>
<link>http://EzineArticles.com/4659844</link>
<guid>http://EzineArticles.com/4659844</guid>
<pubDate>Thu, 15 Jul 2010 14:46:10 -0500</pubDate>
<description><![CDATA[As credit card debt increases so does our overall economy. Credit card debt relief is essential for economic recovery and a prosperous financial system.]]></description>
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<title>Dispute Collection - Correcting the Bill Collectors</title>
<link>http://EzineArticles.com/4623449</link>
<guid>http://EzineArticles.com/4623449</guid>
<pubDate>Tue, 13 Jul 2010 13:48:28 -0500</pubDate>
<description><![CDATA[Sometimes the debt collectors have it all wrong and they don't seem to listen. Learn the best methods for correcting bill collectors mistakes.]]></description>
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<title>The Problems With Conducting Your Own Settlement Negotiations</title>
<link>http://EzineArticles.com/4615737</link>
<guid>http://EzineArticles.com/4615737</guid>
<pubDate>Wed, 07 Jul 2010 18:46:04 -0500</pubDate>
<description><![CDATA[It is possible to settle one's debt, but there are consequences. Learn what might happen if you choose to settle you debts.]]></description>
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<title>An Examination of the American Debt Crisis</title>
<link>http://EzineArticles.com/4594718</link>
<guid>http://EzineArticles.com/4594718</guid>
<pubDate>Fri, 02 Jul 2010 13:45:28 -0500</pubDate>
<description><![CDATA[some of the figures are staggering when it comes to consumer debt. In these economic times credit card debt has become an epidemic.]]></description>
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<title>The New Limits to Bill Collection</title>
<link>http://EzineArticles.com/4582518</link>
<guid>http://EzineArticles.com/4582518</guid>
<pubDate>Wed, 30 Jun 2010 21:08:08 -0500</pubDate>
<description><![CDATA[When talking to bill collectors, you'll want to not only write down the date and time of the call - as well a complete account of what you spoke about - but also the name of the man or woman you spoke with. The so called collection agents working for these sorts of companies are hired and fired at an incredible frequency. They're really little more than telemarketers working for just over minimum wage.]]></description>
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<title>Debt Relief Fraud - Know the Score About Credit Repair</title>
<link>http://EzineArticles.com/4566582</link>
<guid>http://EzineArticles.com/4566582</guid>
<pubDate>Tue, 29 Jun 2010 12:47:49 -0500</pubDate>
<description><![CDATA[For generations, residents of the United States have depended upon the recommendations of friends, family, and respected members of the community when newly shopping around for an unfamiliar service. Debt relief, though, remains so fraught with moral dilemma - as well as the eternal peril of the new - that most of our country's families either don't wish to admit such problems to their loved ones or don't know quite where to turn.]]></description>
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<title>Debt Relief Companies - Separating the Good From the Bad</title>
<link>http://EzineArticles.com/4544236</link>
<guid>http://EzineArticles.com/4544236</guid>
<pubDate>Thu, 24 Jun 2010 14:26:49 -0500</pubDate>
<description><![CDATA[Finding honest debt relief companies can be very difficult. There are a lot of debt relief scams aimed at taking advantage of the consumer and leaving them with even more debt then they had before. learn the methods to determine which debt relief companies are credible.]]></description>
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<title>Avoid Debt Relief Shams by Doing Your Homework</title>
<link>http://EzineArticles.com/4521458</link>
<guid>http://EzineArticles.com/4521458</guid>
<pubDate>Tue, 22 Jun 2010 08:05:14 -0500</pubDate>
<description><![CDATA[Thousands of Americans are looking for debt relief. Some of them are being taken advantage of with various debt relief scams. learn how to tell the difference between legitimate debt relief programs and debt relief scams.]]></description>
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<title>Credit Card Debt Relief Bailouts - Do They Exist?</title>
<link>http://EzineArticles.com/4496241</link>
<guid>http://EzineArticles.com/4496241</guid>
<pubDate>Thu, 17 Jun 2010 12:58:16 -0500</pubDate>
<description><![CDATA[In today's economy many consumers are struggling to make ends meet. As the interest rates on credit card keep rising, some Americans are finding themselves unable to make minimum payments. Many of them are starting to turn to the government for help.]]></description>
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<title>Understanding Credit Ratings</title>
<link>http://EzineArticles.com/4485976</link>
<guid>http://EzineArticles.com/4485976</guid>
<pubDate>Tue, 15 Jun 2010 16:30:03 -0500</pubDate>
<description><![CDATA[In the last year of the 1980s, when a recession similarly gruesome to that just faced by the United States brought the issue of blindly awarded unsecured debt to the forefront of our national agenda, the Fair Isaacs Corporation brought forth a sea change in consumer credit policy with their FICO credit scoring system. Though the FICO scoring matrix is, by some measure, the most popular of all the credit rating systems, it's far from the only one.]]></description>
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<title>The Importance of Credit Reports and Credit Scores</title>
<link>http://EzineArticles.com/4458562</link>
<guid>http://EzineArticles.com/4458562</guid>
<pubDate>Fri, 11 Jun 2010 08:20:37 -0500</pubDate>
<description><![CDATA[You'll never have to give permission, of course, but most authorities won't take any application (whether for rental, work, educational loans, or just about every significant step toward adulthood) seriously unless they can first check your credit score and pull a credit report for examination at the same time. Banks, too, will want to see the credit report and evaluate the FICO credit scores of applicants for checking or savings accounts. Even if the readers of this article are suddenly curious about FICO credit scores because they hope to rent an apartment or house, here, too, the credit ratings could...]]></description>
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<title>Finding the Right Debt Relief Specialist For Every Household</title>
<link>http://EzineArticles.com/4415785</link>
<guid>http://EzineArticles.com/4415785</guid>
<pubDate>Fri, 04 Jun 2010 21:25:51 -0500</pubDate>
<description><![CDATA[Though most debt relief companies are non profits, by and large, that designation has purely to do with taxation and certainly does not mean the businesses are governmentally based much less primarily motivated by some interest in the public welfare, even if many of the counselors themselves view their vocation as a form of social work. Informational services funded and organized by the federal government further blur the issue by recommending some form of financial counseling for those consumers who've seen their budgetary restraint fall off the rails as unsecured debt loads rise and rise.]]></description>
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<title>Options For Debt Consolidating Loans</title>
<link>http://EzineArticles.com/2194113</link>
<guid>http://EzineArticles.com/2194113</guid>
<pubDate>Tue, 07 Apr 2009 14:52:34 -0500</pubDate>
<description><![CDATA[Get a better perspective on what it means to consolidate loans. Learn what loan might be best for your particular situations and the best ways to attain it.]]></description>
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<title>Debt Relief Information</title>
<link>http://EzineArticles.com/2028093</link>
<guid>http://EzineArticles.com/2028093</guid>
<pubDate>Thu, 12 Mar 2009 13:48:36 -0500</pubDate>
<description><![CDATA[This covers the different forms of debt relief in the state of Idaho. Each state has their own laws and guidelines regarding debt relief alternatives, this article is an overview of the laws set in place for the state of Idaho.]]></description>
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<title>Chapter 13 Bankruptcy Guidelines</title>
<link>http://EzineArticles.com/1992158</link>
<guid>http://EzineArticles.com/1992158</guid>
<pubDate>Tue, 17 Feb 2009 14:21:00 -0600</pubDate>
<description><![CDATA[This article covers the bankruptcy laws and guidelines according the stat of Hawaii. Find out about each chapter of bankruptcy including chapter 13 and 7 in Hawaii.]]></description>
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<title>Debt Settlement in the Peach State</title>
<link>http://EzineArticles.com/1962480</link>
<guid>http://EzineArticles.com/1962480</guid>
<pubDate>Fri, 06 Feb 2009 15:46:05 -0600</pubDate>
<description><![CDATA[This article explain how debt settlement works in the state of Georgia. Each state has there own rules and regulations when it comes to debt negotiation. It is important for those seeking debt relief to know what their state laws are regarding debt relief.]]></description>
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<title>Bankruptcy by Location</title>
<link>http://EzineArticles.com/1924351</link>
<guid>http://EzineArticles.com/1924351</guid>
<pubDate>Fri, 30 Jan 2009 10:00:11 -0600</pubDate>
<description><![CDATA[Alongside the economic worries plaguing Delaware and most of America, a new concentration toward relief of accumulated credit card debts has marked our citizenry of late, and, much as it should be seen as vital for both household and national budgeting to minimize all unsecured burdens, tending toward debt relief is more complex than it may initially seem.]]></description>
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<title>How Bankruptcy Works by State</title>
<link>http://EzineArticles.com/1877584</link>
<guid>http://EzineArticles.com/1877584</guid>
<pubDate>Thu, 22 Jan 2009 13:02:55 -0600</pubDate>
<description><![CDATA[This article concentrates on the bankruptcy laws in Colorado. Each state has their own guidelines as far as declaring bankruptcy. It is important for the citizens of Colorado declaring bankruptcy to know how their state laws affect them.]]></description>
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