<?xml version="1.0" encoding="utf-8"?>
<rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/">
<channel>
<title>Manny Vetti - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Manny_Vetti</link>
<pubDate>Wed, 15 Feb 2012 01:56:05 -0600</pubDate>
<image><title>Manny Vetti - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Manny_Vetti</link>
<url>http://EzineArticles.com/images/ea_logo.jpg</url>
</image>
<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[My Company's goal is to help individuals meet their financial needs. Whether it is to end or eliminate their debt, consolidate loans, refinance existing loans, we will help you to find the best solution. We strive to do this by providing you the necessary information regarding your particular situation and then provide you with forms so we can connect you with the right professionals who can help you the best. By completing our forms you can quickly get in contact with companies who will compete for your business. Most importantly , the service is free, secure, and comes with no ... ]]></description>
<lastBuildDate>Fri, 22 Aug 2008 13:31:49 -0500</lastBuildDate>
<atom:link rel="hub" href="https://pubsubhubbub.appspot.com" />
<item>
<title>Understanding Innocent Spouse Tax Relief</title>
<link>http://EzineArticles.com/1421601</link>
<guid>http://EzineArticles.com/1421601</guid>
<pubDate>Fri, 22 Aug 2008 13:31:49 -0500</pubDate>
<description><![CDATA[When married couples file their tax returns they are both jointly responsible for the tax amount owed, with one exception.  The one exception to this rule is the "innocent spouse" rule.  When these claims are made, they are typically made by divorced couples but they can also be made by married couples.]]></description>
</item>
<item>
<title>Credit Freeze Or Credit Monitoring?  Best Ways to Fight Identity Theft</title>
<link>http://EzineArticles.com/1389620</link>
<guid>http://EzineArticles.com/1389620</guid>
<pubDate>Mon, 11 Aug 2008 14:53:59 -0500</pubDate>
<description><![CDATA[This article explains identity theft, why a consumer should care about it, and the actions a consumer can take to prevent it. It summarizes identity theft options a consumer can take to prevent fraud: credit freeze, credit monitoring, and other options; in the fight against identity theft. It reviews the differences between credit monitoring and a credit freeze and highlights the benefits and disadvantages of each.]]></description>
</item>
<item>
<title>Back Taxes Relief From the IRS Stimulus Package</title>
<link>http://EzineArticles.com/1317364</link>
<guid>http://EzineArticles.com/1317364</guid>
<pubDate>Thu, 17 Jul 2008 10:09:42 -0500</pubDate>
<description><![CDATA[Life can be busy and money is not always available so it is not uncommon for a person to have failed to file taxes at one year or another.  This year however is an optimal year to catch yourself up because the economic stimulus check can be used as back taxes relief.]]></description>
</item>
<item>
<title>Types Of Innocent Spouse Relief</title>
<link>http://EzineArticles.com/1201701</link>
<guid>http://EzineArticles.com/1201701</guid>
<pubDate>Wed, 28 May 2008 08:43:44 -0500</pubDate>
<description><![CDATA[Innocent spouse relief consists of three different types of relief.  In a case where you do not qualify for one type of relief, you may qualify for another type of relief.  It is important to know the requirements for all types of relief before filing form 8857 with the IRS.]]></description>
</item>
<item>
<title>Equitable Relief</title>
<link>http://EzineArticles.com/1155873</link>
<guid>http://EzineArticles.com/1155873</guid>
<pubDate>Tue, 06 May 2008 08:00:34 -0500</pubDate>
<description><![CDATA[Equitable relief is normally the final method of relief that is considered under innocent spouse relief.  This type of relief is available if you do not qualify for "classic" innocent spouse relief or relief by separation of liability.  Under this type of relief, you may be relieved of your responsibility to pay taxes owed, interest, and penalties.  This was the last method of innocent spouse created because the IRS realized that there are some instances where a spouse still should not be held liable for the tax amounts owed even if they don't qualify for "classic" innocent spouse relief or relief by separation of liability.]]></description>
</item>
<item>
<title>How to File for Innocent Spouse Relief</title>
<link>http://EzineArticles.com/1128238</link>
<guid>http://EzineArticles.com/1128238</guid>
<pubDate>Wed, 23 Apr 2008 16:47:57 -0500</pubDate>
<description><![CDATA[Filing the correct way for innocent spouse relief is extremely important to be successful in receiving this type of tax relief.  If your request is denied, you most likely will not be able to file for it again for that tax year.  It is important to understand all of the requirements when filing for innocent spouse relief and making sure you point out how you qualify.  If you do not qualify for innocent spouse relief, it is possible that you may qualify for equitable relief or separation of liability.]]></description>
</item>
<item>
<title>Qualifications for Innocent Spouse Relief</title>
<link>http://EzineArticles.com/1128409</link>
<guid>http://EzineArticles.com/1128409</guid>
<pubDate>Wed, 23 Apr 2008 08:18:32 -0500</pubDate>
<description><![CDATA[The IRS has strict and specific qualifications to meet in order to qualify for this type of relief.  Before filing for innocent spouse relief, it is important that you familiarize with each qualification and can give a specific example of how you meet each one.  Once you qualify for this type of relief, your responsibility for paying the tax, interest, and penalties owed will be lifted.  The four specific qualifications you must meet in order to qualify for this type of relief are listed in this article.]]></description>
</item>
<item>
<title>5 Common Debt Relief Methods</title>
<link>http://EzineArticles.com/1096001</link>
<guid>http://EzineArticles.com/1096001</guid>
<pubDate>Tue, 08 Apr 2008 10:48:36 -0500</pubDate>
<description><![CDATA[5 common methods to getting out of debt. These are some of the most common methods for debt relief, mainly because these are the most effective methods available.  There are options and solutions to debt.  Read on to find out common/effective methods for ending debt.]]></description>
</item>
<item>
<title>5 Simple Debt Management Tips</title>
<link>http://EzineArticles.com/1071344</link>
<guid>http://EzineArticles.com/1071344</guid>
<pubDate>Thu, 27 Mar 2008 09:19:06 -0500</pubDate>
<description><![CDATA[Without keeping a proper check on monthly expenses and incurring debt, one can find themselves in over their head before they even realize it. Listed below are 5 simple tips in order to help with debt management.]]></description>
</item>
<item>
<title>Is Debt Settlement the Right Choice for You?</title>
<link>http://EzineArticles.com/1048954</link>
<guid>http://EzineArticles.com/1048954</guid>
<pubDate>Mon, 17 Mar 2008 16:23:14 -0500</pubDate>
<description><![CDATA[Many people are faced with debt and the amount they owe ranges from hundreds of dollars to hundreds of thousands of dollars. The most popular solutions to the problem of severe debt are to get a debt settlement or to file for bankruptcy, which is the least favorable thing to do. Settlement is preferred because it has less of an impact on your credit report than bankruptcy does. There are benefits as well as drawbacks to it and you should understand them before you decide how to manage your debt.]]></description>
</item>
<item>
<title>What to Look for in a Debt Relief Company</title>
<link>http://EzineArticles.com/1035186</link>
<guid>http://EzineArticles.com/1035186</guid>
<pubDate>Tue, 11 Mar 2008 16:27:22 -0500</pubDate>
<description><![CDATA[If you are in debt like many Americans, chances are you have considered turning to a debt relief company for help. If you need debt relief, you should look for a debt relief or credit counseling service that is willing to with you to manage your debt and is genuinely concerned with helping people not just profiting off of people's debt misfortune.]]></description>
</item>
<item>
<title>Need Cash? Carefully Consider a Payday Loan</title>
<link>http://EzineArticles.com/1035898</link>
<guid>http://EzineArticles.com/1035898</guid>
<pubDate>Mon, 10 Mar 2008 08:27:56 -0500</pubDate>
<description><![CDATA[If you need some quick cash before your next payday, you may be considering a payday loan. Getting a payday loan has never been easier; there is no shortage of both brick-and-mortar payday loan companies as well as ones that cater to the online crowd. No matter where you get a payday loan, on or offline, you should make sure you find the loan with the best terms and make sure you do not borrow more than you can repay quickly. You should never settle for the fist loan you come across without considering all of the details.]]></description>
</item>
<item>
<title>How to Prevent Identity Theft</title>
<link>http://EzineArticles.com/1035812</link>
<guid>http://EzineArticles.com/1035812</guid>
<pubDate>Mon, 10 Mar 2008 08:27:22 -0500</pubDate>
<description><![CDATA[Identity theft is the fastest growing crime in America today. More than 9.9 million Americans were the victim of many types of identity theft scams in 2004, which ended up costing them almost $5 billion. Most identity theft victims suffered sever financial damage and even financial ruin because they thought identity theft would not happen to them. No matter what your current financial state is like, where you live, or what your spending habits are, you are a target for identity theft. The truth is that everyone is at risk for identity theft, but fortunately there are things you can do to prevent identity theft from happening to you.]]></description>
</item>
<item>
<title>Fixing Debt Through Consolidation</title>
<link>http://EzineArticles.com/1035143</link>
<guid>http://EzineArticles.com/1035143</guid>
<pubDate>Mon, 10 Mar 2008 08:24:42 -0500</pubDate>
<description><![CDATA[Many people are in debt whether it is credit card debt, medical bills, student loans, or other financial liabilities. It can take years to pay off debt and many people pay thousands in interest because they can only make minimum payments on the money they owe. Many times after a person goes into debt they struggle to pay their bills and the debt cycle just continues. If you are in debt and are having trouble paying it off or managing it, you can consider debt consolidation to help manage your payments and eliminate your debt.]]></description>
</item>
<item>
<title>Debt Collector Negotiation Tips - Settle for Less</title>
<link>http://EzineArticles.com/1030879</link>
<guid>http://EzineArticles.com/1030879</guid>
<pubDate>Fri, 07 Mar 2008 08:47:29 -0600</pubDate>
<description><![CDATA[If you are in debt you probably know the stress of having to deal with debt collectors. The stress of debt can creep into every aspect of your life and cause you many other problems other than financial ones. Many people just avoid talking to debt collectors, although constantly screening phone calls and trying to avoid them is just as stressful as dealing with them directly. Avoiding the problem won't make it go away and unpaid debt will only continue to grow and ruin your credit. If you are ready to do something about your debt there are ways to negotiate with debt collectors so that you can pay off your debt and stay within your budget, all while saving your credit reputation and avoiding bankruptcy.]]></description>
</item>
<item>
<title>How To Get Relief From Credit Card Debt</title>
<link>http://EzineArticles.com/1019749</link>
<guid>http://EzineArticles.com/1019749</guid>
<pubDate>Mon, 03 Mar 2008 09:58:22 -0600</pubDate>
<description><![CDATA[Using credit cards to purchase things you want is extremely tempting.  However, if you're not disciplined about how to use it, you can get yourself in a world of financial trouble.  Then you feel trapped because you have put items on your credit card that shouldn't be there.  This article will look at some ways you can relieve yourself from credit card debt.]]></description>
</item>
<item>
<title>Negotiation With Debt Collectors - What You Must Know</title>
<link>http://EzineArticles.com/983125</link>
<guid>http://EzineArticles.com/983125</guid>
<pubDate>Wed, 13 Feb 2008 08:13:48 -0600</pubDate>
<description><![CDATA[Did you know that when debts owed go into collections, they do not expect to be paid in full.  Debts owed that go into collections can often be negotiated to a fraction of what was actually owed.  In order to negotiate the best deal you must understand how the collection system works, the debt collectors mindset, know your rights and how to start off the negotiations.]]></description>
</item>
<item>
<title>Can't Make Credit Card Payments? What To Do</title>
<link>http://EzineArticles.com/967130</link>
<guid>http://EzineArticles.com/967130</guid>
<pubDate>Tue, 12 Feb 2008 09:40:04 -0600</pubDate>
<description><![CDATA[Can't make your monthly credit card payments?  It is important to understand what you can do in order to avoid late charges, increased interest rates and avoid having your credit score lowered.  Taking the appropriate action can increase your ability to make future payments.]]></description>
</item>
<item>
<title>Federal Funds Rate and Your Finances</title>
<link>http://EzineArticles.com/960856</link>
<guid>http://EzineArticles.com/960856</guid>
<pubDate>Fri, 01 Feb 2008 09:07:01 -0600</pubDate>
<description><![CDATA[Lately there has been a lot of talk about the federal funds rate.  This is something that dominates headlines whenever there is a change in this rate.  Most recently the Federal Reserve made a huge rate drop.  The 1st drop was 3/4ths of a percent, then followed another  1/2  percent bringing the rate all the way down to 3%.  Why such the hype?]]></description>
</item>
<item>
<title>Good Debt vs Bad Debt</title>
<link>http://EzineArticles.com/930775</link>
<guid>http://EzineArticles.com/930775</guid>
<pubDate>Wed, 16 Jan 2008 16:00:50 -0600</pubDate>
<description><![CDATA[Overall, debt is a very complex topic.  To simplify, it is best to look debt as either good or bad.  Good debt can be defined as debt that is obtained while making a decision about the future.  It is usually used to purchase something that appreciates in value.  Bad debt can be defined as debt that is used to obtain something that is disposable or depreciates in value.  Understanding the differences and how to use the different forms can help you stay out of bad and will allow you to use the good wisely to accumulate real wealth.]]></description>
</item>
<item>
<title>Payment Plans With An Offer In Compromise</title>
<link>http://EzineArticles.com/918609</link>
<guid>http://EzineArticles.com/918609</guid>
<pubDate>Wed, 09 Jan 2008 13:46:54 -0600</pubDate>
<description><![CDATA[As a result of TIPRA or the Tax Increase Prevention and Reconciliation Act passed in 2005, the IRS will accept three payment methods or plans with an Offer in Compromise (OIC). Lump Sum Offer (cash) - with this option the payment must be paid in no more than 5 payments if acceptance letter is mailed.]]></description>
</item>
<item>
<title>Offer in Compromise - Tax Debt Help Method</title>
<link>http://EzineArticles.com/918618</link>
<guid>http://EzineArticles.com/918618</guid>
<pubDate>Wed, 09 Jan 2008 11:02:55 -0600</pubDate>
<description><![CDATA[Rarely, when resolving your Tax Debt, the IRS or Internal Revenue Service may accept an "Offer In Compromise" (OIC). An OIC is contract or agreement between the taxpayer or tax debt holder and the Internal Revenue Service (IRS). ]]></description>
</item>
<item>
<title>New Years Resolution, Eliminate Credit Card Debt - Your Options &amp; How to Start</title>
<link>http://EzineArticles.com/907562</link>
<guid>http://EzineArticles.com/907562</guid>
<pubDate>Thu, 03 Jan 2008 10:16:30 -0600</pubDate>
<description><![CDATA[Start off the New Year right.  Begin eliminating your credit card debt.  Understand your options before making any commitment to what route you decide to follow for solving your credit card debt problem.  There are many great options out there that can help each person in their individual situation.  Learn your options and know the best places to start looking for your solution.]]></description>
</item>
<item>
<title>Online Tax Debt Help-  How It Works And How To Get the Best Solution</title>
<link>http://EzineArticles.com/899137</link>
<guid>http://EzineArticles.com/899137</guid>
<pubDate>Mon, 31 Dec 2007 11:15:47 -0600</pubDate>
<description><![CDATA[The internet has made it extremely easy to find tax debt help online from excellent specialists.  Learn how to utilize the internet to get free consultations from a relevant specialist for your specific  situation.  Understand the normal process and know what you should expect.]]></description>
</item>
<item>
<title>Getting a Credit Card Consolidation Online - How It Works &amp; How To Get the Best Quote</title>
<link>http://EzineArticles.com/898780</link>
<guid>http://EzineArticles.com/898780</guid>
<pubDate>Thu, 27 Dec 2007 13:36:44 -0600</pubDate>
<description><![CDATA[Getting an online credit card consolidation has never been easier.  Most debt consolidation companies have come to the internet to as a source of getting clients and it is very easy for people to find these companies which makes lots of competition.  Understanding how these companies get their clients and knowing how to use the competition to your advantage can ensure that you will get the best quote available.  One thing to note about online credit card consolidations is that it really isn't online.  You find the information online but you always have to talk with a debt specialist get get your quotes and to talk about your situation. ]]></description>
</item>
<item>
<title>Identity Theft - How To Prevent It</title>
<link>http://EzineArticles.com/897244</link>
<guid>http://EzineArticles.com/897244</guid>
<pubDate>Thu, 27 Dec 2007 13:35:27 -0600</pubDate>
<description><![CDATA[10 million Americans were victims of identity theft last year.  This cost them roughly 5 billion.  With the increase use of computers and electronic documents people are at a higher risk than ever before.  Learn how to prevent and detect before someone uses your information.]]></description>
</item>
<item>
<title>Can't Make Monthly Minimum Payments? What to Do</title>
<link>http://EzineArticles.com/897631</link>
<guid>http://EzineArticles.com/897631</guid>
<pubDate>Thu, 27 Dec 2007 09:57:15 -0600</pubDate>
<description><![CDATA[Can't make your monthly debt payment?  Understand your different options so you can avoid late charges, increased interest rate and avoid lowering your credit score.]]></description>
</item>
<item>
<title>Reasons To Consolidate Debt With Your Home's Equity</title>
<link>http://EzineArticles.com/880201</link>
<guid>http://EzineArticles.com/880201</guid>
<pubDate>Tue, 18 Dec 2007 14:59:00 -0600</pubDate>
<description><![CDATA[Reasons why it can be a smart move to consolidate your unsecured debt using your home's equity.  Some of these advantages are lowering debt interest rates, one easy payment, and tax deductions.  There are three common ways to access the equity of your home to consolidate your debts.]]></description>
</item>
<item>
<title>2 Types Of Medical Debt Consolidation</title>
<link>http://EzineArticles.com/880219</link>
<guid>http://EzineArticles.com/880219</guid>
<pubDate>Fri, 14 Dec 2007 15:09:58 -0600</pubDate>
<description><![CDATA[Medical is a big problem for many individuals and there are many ways to handle the situation. One popular way of dealing with medical debt is medical debt consolidation. Before making the choice to consolidate medical debt though, see if can cut back on savings and/or spending because consolidation has it drawbacks. There are two types of consolidation.]]></description>
</item>
<item>
<title>5 Guidelines For Help With Medical Debt</title>
<link>http://EzineArticles.com/880212</link>
<guid>http://EzineArticles.com/880212</guid>
<pubDate>Fri, 14 Dec 2007 15:09:33 -0600</pubDate>
<description><![CDATA[Medical debt is actually a bigger factor in people filing for bankruptcy then credit card debt. Don't be a statistic and file for bankruptcy if you are plagued with medical debt! Here are some guidelines which can help you pay off or deal with your medical debt instead of filling for bankruptcy.]]></description>
</item>
<item>
<title>Negotiation With Mortgage Companies</title>
<link>http://EzineArticles.com/872994</link>
<guid>http://EzineArticles.com/872994</guid>
<pubDate>Thu, 13 Dec 2007 13:08:01 -0600</pubDate>
<description><![CDATA[Article on how you can find some of the best mortgage rates available and basic steps to follow to ensure you are getting the best rates.  There are many companies out there that will compete for your business and knowing how to make them compete will ensure you will be getting the best available rates.]]></description>
</item>
<item>
<title>Some Guidelines for Dealing With Tax Debt</title>
<link>http://EzineArticles.com/873061</link>
<guid>http://EzineArticles.com/873061</guid>
<pubDate>Wed, 12 Dec 2007 10:30:31 -0600</pubDate>
<description><![CDATA[Many individuals are plagued by tax debt. The accumulation of tax debt can be very stressful but rest assured there are tax debt professionals available if you feel you cannot attack the debt yourself. Many companies provide tax assistance, and solely specialize in tax assistance so they are skilled in getting the IRS off your back. Read article for some general steps or guidelines to help you get out of tax debt.]]></description>
</item>
<item>
<title>Refinancing to Pay Off Higher Interest Debts and Lowering Your Taxes</title>
<link>http://EzineArticles.com/873042</link>
<guid>http://EzineArticles.com/873042</guid>
<pubDate>Wed, 12 Dec 2007 10:29:24 -0600</pubDate>
<description><![CDATA[Refinancing to pay off high interest debts can save people more than they realize.  Your interest payments will go down significantly but it also is a big tax write off at the end of the year.  Find out how you can save thousands a year.]]></description>
</item>
<item>
<title>Refinancing To Lower Mortgage Payments</title>
<link>http://EzineArticles.com/873025</link>
<guid>http://EzineArticles.com/873025</guid>
<pubDate>Wed, 12 Dec 2007 10:28:32 -0600</pubDate>
<description><![CDATA[To start, refinancing is when you receive a secure loan to replace an existing loan that is secured by the same assets. In other words, you take out a new mortgage to replace the existing mortgage loan you already have on the same asset (your house).]]></description>
</item>
<item>
<title>5 Methods to Get Out of Tax Debt</title>
<link>http://EzineArticles.com/873014</link>
<guid>http://EzineArticles.com/873014</guid>
<pubDate>Wed, 12 Dec 2007 10:26:26 -0600</pubDate>
<description><![CDATA[Five key methods to getting out of tax debt.  See which ones apply to you.  There are options out there, don't let the IRS get the best of you, take action today to solve your tax debt.]]></description>
</item>
<item>
<title>7 Steps to Reduce Credit Card Debt</title>
<link>http://EzineArticles.com/872962</link>
<guid>http://EzineArticles.com/872962</guid>
<pubDate>Wed, 12 Dec 2007 10:23:59 -0600</pubDate>
<description><![CDATA[Most Americans have a problem with credit card debt. In fact, many studies have shown the average American carrier more then $8000 in credit card debt. This is a real big problem. However, there are ways to reduce your credit card debt without pulling all of your hair out. Article has basic steps to reducing your credit card debt that you can pursue.]]></description>
</item>
</channel>
</rss>
