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<title>Melanie Taylor - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Melanie_Taylor</link>
<pubDate>Wed, 15 Feb 2012 07:30:44 -0600</pubDate>
<image><title>Melanie Taylor - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Melanie_Taylor</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[EzineArticles.com is Trusted By Millions as The Source For Quality Original Articles]]></description>
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<title>Will a Debt Management Plan Stop Me Getting a Mortgage?</title>
<link>http://EzineArticles.com/3986853</link>
<guid>http://EzineArticles.com/3986853</guid>
<pubDate>Wed, 24 Mar 2010 18:06:08 -0500</pubDate>
<description><![CDATA[Entering into a debt management plan can be a big help if you've been struggling with your debts - but it'll have a significant impact on your finances. One part of this is that it will have an effect on your ability to access credit in the future.]]></description>
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<item>
<title>Debt in 2010</title>
<link>http://EzineArticles.com/3986890</link>
<guid>http://EzineArticles.com/3986890</guid>
<pubDate>Wed, 24 Mar 2010 16:49:47 -0500</pubDate>
<description><![CDATA[Last year, a lot of people put a lot of time, money and effort into repaying their debts. So this year, a lot of people were slightly surprised to see that we started 2010 by increasing our unsecured debt by half a billion pounds.]]></description>
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<item>
<title>Should I Apply For Bankruptcy?</title>
<link>http://EzineArticles.com/3986873</link>
<guid>http://EzineArticles.com/3986873</guid>
<pubDate>Wed, 24 Mar 2010 16:48:45 -0500</pubDate>
<description><![CDATA[You have a few choices if you're trying to clear your unmanageable debts. One of the most well-known debt solutions is bankruptcy - a legal process in which your debts are cleared. This will have an impact on your assets and credit rating.]]></description>
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<item>
<title>Debt Management - New Year 2010</title>
<link>http://EzineArticles.com/3705919</link>
<guid>http://EzineArticles.com/3705919</guid>
<pubDate>Fri, 05 Feb 2010 13:44:57 -0600</pubDate>
<description><![CDATA[One month into 2010, the New Year doesn't feel so new anymore. Already, many people will have abandoned their New Year's resolutions - but that doesn't mean you can't run your finances a lot better this year than you did last year.]]></description>
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<item>
<title>IVAs - 2009's Figures</title>
<link>http://EzineArticles.com/3705861</link>
<guid>http://EzineArticles.com/3705861</guid>
<pubDate>Fri, 05 Feb 2010 12:16:50 -0600</pubDate>
<description><![CDATA[On Friday 5th February, The Insolvency Service will release the insolvency statistics for the final quarter of 2009 (Q4). According to the statistics we've seen so far - for the first three quarters of the year - it looks like 2009 will set some all-time records: for the most bankruptcies, the most IVAs (Individual Voluntary Arrangements) and the most insolvencies altogether. ]]></description>
</item>
<item>
<title>Debt Help - Don't Struggle Alone</title>
<link>http://EzineArticles.com/2398680</link>
<guid>http://EzineArticles.com/2398680</guid>
<pubDate>Thu, 28 May 2009 14:56:13 -0500</pubDate>
<description><![CDATA[Getting out of debt isn't easy, but the right professional help can make a big difference. Debt professionals understand how debt 'works': they know which debts are the highest priority; they know the potential consequences of non-payment; they know what sort of terms creditors are likely to accept during negotiations; they know what rights and responsibilities a borrower will have in a given situation. In other words, there's no need to figure it all out by yourself. A phonecall to a debt adviser can make it all much easier to handle - and keep your debt problems from growing. ]]></description>
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<item>
<title>Struggling With Debt, Have You Considered Debt Management?</title>
<link>http://EzineArticles.com/2395024</link>
<guid>http://EzineArticles.com/2395024</guid>
<pubDate>Thu, 28 May 2009 09:53:49 -0500</pubDate>
<description><![CDATA[If you are struggling with unmanageable levels of debt, a debt management plan could reduce your monthly outgoings and make your debts manageable again. However, as with any debt solution, there are a number of things you should consider before entering into a debt management plan.]]></description>
</item>
<item>
<title>Bankruptcies, IVAs &amp; DROs</title>
<link>http://EzineArticles.com/2394295</link>
<guid>http://EzineArticles.com/2394295</guid>
<pubDate>Thu, 28 May 2009 09:03:12 -0500</pubDate>
<description><![CDATA[In the first three months of 2009, there were 29,774 individual insolvencies in England and Wales - 19,062 bankruptcies and 10,713 IVAs (Individual Voluntary Arrangements) - according to the Insolvency Service website.   According to KPMG, the record bankruptcies in the first three months of the year are 'a sign of things to come'. KPMG predict a record 150,000 personal insolvencies in the year as a whole - and they're not the only ones expecting the number of insolvencies to keep climbing.]]></description>
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<item>
<title>Seeking Debt Advice Early is Crucial</title>
<link>http://EzineArticles.com/2394787</link>
<guid>http://EzineArticles.com/2394787</guid>
<pubDate>Wed, 27 May 2009 14:55:22 -0500</pubDate>
<description><![CDATA[When it comes to getting debt advice, it's usually a case of the earlier, the better. Anyone who has had any long-term debts will know how quickly they can grow. In practice, so long as you ensure that you are making all your payments on time, you are less likely to face any problems.]]></description>
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<item>
<title>Where to Find Debt Management Advice</title>
<link>http://EzineArticles.com/2381393</link>
<guid>http://EzineArticles.com/2381393</guid>
<pubDate>Sat, 23 May 2009 14:09:35 -0500</pubDate>
<description><![CDATA[A debt management plan could help you to make your debts more manageable. It is an agreement between you and your creditors, in which you will make reduced monthly payments towards your debts (based on how much you can afford once your essential commitments have been covered).]]></description>
</item>
<item>
<title>Debt Consolidation - Some Helpful Advice</title>
<link>http://EzineArticles.com/2365898</link>
<guid>http://EzineArticles.com/2365898</guid>
<pubDate>Wed, 20 May 2009 16:49:38 -0500</pubDate>
<description><![CDATA[Debt consolidation can allow people with multiple debts to both simplify their finances and reduce their monthly outgoings - which can be very useful in these difficult times for the economy. However, before you make a final decision on any debt solution, it's always worth speaking to a professional debt adviser. They can discuss your situation in confidence and should be able to help you establish which debt solution (if any) is best for you.]]></description>
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<item>
<title>An Introduction to Debt Consolidation Loans</title>
<link>http://EzineArticles.com/2345265</link>
<guid>http://EzineArticles.com/2345265</guid>
<pubDate>Thu, 14 May 2009 14:52:57 -0500</pubDate>
<description><![CDATA[A debt consolidation loan is a simple idea - a single loan that's large enough to pay off your existing debts. Different people do this for different reasons, but the most important benefits are straightforward: simplicity and affordability.]]></description>
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<item>
<title>Debt Relief Orders - Some Advice</title>
<link>http://EzineArticles.com/2330079</link>
<guid>http://EzineArticles.com/2330079</guid>
<pubDate>Tue, 12 May 2009 13:57:19 -0500</pubDate>
<description><![CDATA[When Debt Relief Orders (DROs) were introduced on April 6th 2009, many borrowers wondered whether this could help them put their debt problems behind them. For many, the DRO could represent a way to access the insolvency that they've so far been unable to afford - while bankruptcy costs around ?500, entering a DRO costs just ?90. In other words, this could be their chance to ask for 'debt forgiveness', writing off their debts and starting again.]]></description>
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<title>Debt Management - Let an Expert Deal With Your Creditors</title>
<link>http://EzineArticles.com/2320424</link>
<guid>http://EzineArticles.com/2320424</guid>
<pubDate>Fri, 08 May 2009 18:41:29 -0500</pubDate>
<description><![CDATA[Debt management offers borrowers a way of dealing with the debt that they can no longer keep up with. The thought of lower monthly payments may sound like the most impressive benefit (and indeed it is, for many) but debt management offers other, less quantifiable benefits. For example, it means borrowers can let an expert deal with their creditors.]]></description>
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<item>
<title>Are You Getting the Right Debt Advice?</title>
<link>http://EzineArticles.com/2315710</link>
<guid>http://EzineArticles.com/2315710</guid>
<pubDate>Fri, 08 May 2009 09:08:41 -0500</pubDate>
<description><![CDATA[Struggling with debt can be a difficult and stressful situation, and it's easy to feel like you will never be able to find a way out. More and more people are getting into trouble with debt these days, yet many are unaware of what help is available. In reality, even people with severe debt problems can get help from a professional debt adviser.]]></description>
</item>
<item>
<title>Where to Get Debt Help</title>
<link>http://EzineArticles.com/2316926</link>
<guid>http://EzineArticles.com/2316926</guid>
<pubDate>Thu, 07 May 2009 21:17:11 -0500</pubDate>
<description><![CDATA[Many people who find themselves struggling with debt are unaware of what help is available. As a result, some people end up simply trying to ignore the problem, or getting into even more debt in order to buy some time.]]></description>
</item>
<item>
<title>Struggling With Debt? Get Professional Help</title>
<link>http://EzineArticles.com/2291448</link>
<guid>http://EzineArticles.com/2291448</guid>
<pubDate>Thu, 07 May 2009 08:23:11 -0500</pubDate>
<description><![CDATA[If you're struggling with debt, rest assured you're not alone. Whatever financial problems you're facing, you won't be the first.]]></description>
</item>
<item>
<title>Debt Consolidation - Loan Or Mortgage?</title>
<link>http://EzineArticles.com/2312107</link>
<guid>http://EzineArticles.com/2312107</guid>
<pubDate>Thu, 07 May 2009 07:38:27 -0500</pubDate>
<description><![CDATA[For many people with debts, debt consolidation can be a good way to bring them under control - or stop them getting out of control in the first place. Quite simply, consolidation involves taking out a new loan or mortgage and using it to pay off multiple smaller debts.]]></description>
</item>
<item>
<title>Debt Management - Choose Your Approach Wisely</title>
<link>http://EzineArticles.com/2305798</link>
<guid>http://EzineArticles.com/2305798</guid>
<pubDate>Wed, 06 May 2009 08:34:33 -0500</pubDate>
<description><![CDATA[Debt management basically means talking to your lenders and asking them to help you find a way you can repay your debts at a rate you can afford. If you simply can't keep up with your repayments, it's in your interest and theirs to find a way around this problem. They might agree to accept lower payments for a while, for example, or waive charges, and / or freeze the interest being charged on your debt.]]></description>
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<item>
<title>Debt Management Or Debt Consolidation?</title>
<link>http://EzineArticles.com/2249176</link>
<guid>http://EzineArticles.com/2249176</guid>
<pubDate>Tue, 05 May 2009 12:09:09 -0500</pubDate>
<description><![CDATA[It's always a good idea to speak to a professional debt adviser before deciding which debt solution is right for you. However, here is a short guide to how each debt solution could help you.]]></description>
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<title>Debt Consolidation - The Advantages</title>
<link>http://EzineArticles.com/2292518</link>
<guid>http://EzineArticles.com/2292518</guid>
<pubDate>Mon, 04 May 2009 08:47:58 -0500</pubDate>
<description><![CDATA[People in debt may be able to simplify their finances, reduce their monthly outgoings and reduce the interest rate they're paying on their debt with a debt consolidation loan.  It's a simple idea: a new loan large enough to pay off the borrower's other debts in one go. This makes the monthly repayments much simpler and less stressful, but that's by no means the only advantage of debt consolidation.]]></description>
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<title>Debt Management in a Recession</title>
<link>http://EzineArticles.com/2292064</link>
<guid>http://EzineArticles.com/2292064</guid>
<pubDate>Sat, 02 May 2009 07:33:55 -0500</pubDate>
<description><![CDATA[When the nation's economy is doing badly, it makes sense to prepare for bad news. People tend to reduce their spending for all kinds of reasons.]]></description>
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<item>
<title>Is Debt Management Right For You?</title>
<link>http://EzineArticles.com/2287285</link>
<guid>http://EzineArticles.com/2287285</guid>
<pubDate>Fri, 01 May 2009 11:41:58 -0500</pubDate>
<description><![CDATA[If you're in debt, you may be wondering whether debt management is right for you. The short answer is 'It depends': not just on how much you owe, but how much you earn and what you own.]]></description>
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<item>
<title>Write Off Debt With an IVA</title>
<link>http://EzineArticles.com/2283102</link>
<guid>http://EzineArticles.com/2283102</guid>
<pubDate>Thu, 30 Apr 2009 11:23:44 -0500</pubDate>
<description><![CDATA[Borrowers who can't keep up with their debt repayments may be interested to hear they can write off a portion of their debt with an IVA, assuming they meet the strict criteria for an IVA - and assuming they can supply the necessary level of commitment. An IVA (Individual Voluntary Arrangement) is a form of insolvency, and an agreement between a borrower and their non-priority lenders - so it covers unsecured debts like credit cards, store cards and personal loans, rather than secured debts like mortgages. Basically, if the individual and their lenders can...]]></description>
</item>
<item>
<title>Debt Management - The Earlier, the Better</title>
<link>http://EzineArticles.com/2248478</link>
<guid>http://EzineArticles.com/2248478</guid>
<pubDate>Fri, 24 Apr 2009 14:18:29 -0500</pubDate>
<description><![CDATA[There are a range of debt solutions available, all of which can take time. But the sooner you start addressing a problem, the less your debt can grow, and the better your chance of getting out of debt more quickly.]]></description>
</item>
<item>
<title>What is an IVA?</title>
<link>http://EzineArticles.com/2229084</link>
<guid>http://EzineArticles.com/2229084</guid>
<pubDate>Mon, 20 Apr 2009 08:09:49 -0500</pubDate>
<description><![CDATA[If your debt situation has become so serious that you feel you are unable to repay what you owe within a reasonable period of time, then an IVA (Individual Voluntary Arrangement) may be able to help. An IVA is a formal agreement between you and your creditors, in which you would agree to repay a specified amount of your debt and write off the rest. It is widely considered a preferable alternative to bankruptcy, since it avoids many of the downsides associated with bankruptcy (such as losing your home, or being prohibited from working in certain professions).
]]></description>
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<title>Is Debt Consolidation Right For Me?</title>
<link>http://EzineArticles.com/2220218</link>
<guid>http://EzineArticles.com/2220218</guid>
<pubDate>Fri, 17 Apr 2009 10:51:18 -0500</pubDate>
<description><![CDATA[Like any debt solution, a debt consolidation loan is not right for everyone. Here we take a look at the pros and cons of debt consolidation loans, to help you decide whether it's your best way to get out of debt.]]></description>
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<item>
<title>Debt Management &amp; Debt Freedom</title>
<link>http://EzineArticles.com/2219729</link>
<guid>http://EzineArticles.com/2219729</guid>
<pubDate>Fri, 17 Apr 2009 10:37:14 -0500</pubDate>
<description><![CDATA[With personal debt nearing the GBP 1.5 trillion mark, the average UK citizen is spending more than ever servicing their debts. When they simply can't afford the monthly payments to their debts, many people turn to debt management. ]]></description>
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<item>
<title>Getting Out of Debt For Good With an IVA</title>
<link>http://EzineArticles.com/2198043</link>
<guid>http://EzineArticles.com/2198043</guid>
<pubDate>Mon, 13 Apr 2009 15:20:30 -0500</pubDate>
<description><![CDATA[If you are struggling with unmanageable debts that you cannot see yourself repaying within a realistic period of time, an IVA (Individual Voluntary Arrangement) could help. An IVA can allow you to avoid bankruptcy by agreeing to repay a set percentage of your debts over an agreed period of time, after which the remaining debt will be written off.
]]></description>
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<title>Are You in Too Much Debt?</title>
<link>http://EzineArticles.com/2187798</link>
<guid>http://EzineArticles.com/2187798</guid>
<pubDate>Fri, 10 Apr 2009 09:14:04 -0500</pubDate>
<description><![CDATA[Are you in debt? For most of us, the answer is a simple "Yes". Whether it's a mortgage, a credit card debt, a student loan, a hire purchase agreement, an overdraft - debt plays a fundamental role in modern life, and very few people can say they have no debt at all.]]></description>
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<title>Debt Advice - The Sooner the Better!</title>
<link>http://EzineArticles.com/2161713</link>
<guid>http://EzineArticles.com/2161713</guid>
<pubDate>Mon, 06 Apr 2009 10:59:50 -0500</pubDate>
<description><![CDATA[As anyone facing debt problems can tell you, they won't go away on their own. It's absolutely vital you take action and seek debt advice early on - before they get worse.]]></description>
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<title>How to Regain Control Over Your Debts</title>
<link>http://EzineArticles.com/2137709</link>
<guid>http://EzineArticles.com/2137709</guid>
<pubDate>Tue, 31 Mar 2009 09:24:37 -0500</pubDate>
<description><![CDATA[Regaining control over your debts can often be easier than you think. Here we look at a few simple changes to your financial habits that can make all the difference to your ability to repay your debts.]]></description>
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<title>Considering Bankruptcy? Consider an IVA First</title>
<link>http://EzineArticles.com/2132697</link>
<guid>http://EzineArticles.com/2132697</guid>
<pubDate>Mon, 30 Mar 2009 11:06:30 -0500</pubDate>
<description><![CDATA[Are you considering bankruptcy? Depending on your circumstances, bankruptcy may indeed be the best way forward, but there's a good chance there are alternative solutions to your debt problems - and it's essential you look into them before you commit yourself to anything.]]></description>
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<title>Debt Consolidation - Still a Viable Solution?</title>
<link>http://EzineArticles.com/2093728</link>
<guid>http://EzineArticles.com/2093728</guid>
<pubDate>Wed, 18 Mar 2009 13:46:30 -0500</pubDate>
<description><![CDATA[In today's credit markets, loans have become relatively hard to find as well as more expensive. While they are still available, many people are discovering they can't find a loan charging the kind of interest rates we were used to seeing a year or two ago. Under these conditions, does debt consolidation still make sense?]]></description>
</item>
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<title>Tips on Staying Out of Debt</title>
<link>http://EzineArticles.com/2088589</link>
<guid>http://EzineArticles.com/2088589</guid>
<pubDate>Tue, 17 Mar 2009 11:49:39 -0500</pubDate>
<description><![CDATA[There are a number of ways to get out of debt - but once that's done, staying out of debt is just as important. It's easy to fall back into the same habits that led to your problems in the first place. However, by taking a few preventative steps, you can ensure that you stay in control of your finances and make it easier to stay out of debt.]]></description>
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<title>Top Debt Management Advice</title>
<link>http://EzineArticles.com/2084024</link>
<guid>http://EzineArticles.com/2084024</guid>
<pubDate>Mon, 16 Mar 2009 15:27:31 -0500</pubDate>
<description><![CDATA[The first and most important rule of debt management is that you should never ignore the problem. Your lenders will soon notice if you have been missing payments, and the consequences can often be serious.]]></description>
</item>
<item>
<title>IVAs - What They Are and How They Help</title>
<link>http://EzineArticles.com/2079902</link>
<guid>http://EzineArticles.com/2079902</guid>
<pubDate>Mon, 16 Mar 2009 09:34:46 -0500</pubDate>
<description><![CDATA[If you are struggling with very large debts - usually ?15,000 or higher - then you may be eligible for an IVA (Individual Voluntary Arrangement). IVAs prevent thousands of people from going bankrupt every year, and are widely considered a preferable alternative to bankruptcy.]]></description>
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<item>
<title>Deciding on the Right Debt Solution</title>
<link>http://EzineArticles.com/2044899</link>
<guid>http://EzineArticles.com/2044899</guid>
<pubDate>Mon, 09 Mar 2009 14:56:19 -0500</pubDate>
<description><![CDATA[Finding the right debt solution for your situation can make a big difference to your ability to repay your debts, as well as how long it takes you to repay them.  There are a number of solutions for people who find themselves struggling with their debt, all of which are more suitable for certain situations or certain levels of debt.  What debt solutions are available?]]></description>
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<title>Debt Help For Families - How Can We Get Out of Debt?</title>
<link>http://EzineArticles.com/2040123</link>
<guid>http://EzineArticles.com/2040123</guid>
<pubDate>Sat, 07 Mar 2009 09:14:07 -0600</pubDate>
<description><![CDATA[Problem debt can be a big source of worry for anyone, but if you have a family to support, the matter can seem altogether more serious. It's important to understand that there are a number of things you can do to improve your chances of getting debt-free. . .]]></description>
</item>
<item>
<title>Top Debt Consolidation Tips For 2009</title>
<link>http://EzineArticles.com/1926461</link>
<guid>http://EzineArticles.com/1926461</guid>
<pubDate>Mon, 02 Feb 2009 14:02:25 -0600</pubDate>
<description><![CDATA[If you are struggling to repay multiple debts, or even if you just want to simplify your finances, a debt consolidation loan could help.    However, as with any debt solution, there are a number of steps you can take to get the most out of your debt consolidation loan, and make sure it's the right option for you.    Speak to an expert debt adviser  Before you decide on any debt solution, you should always speak to a debt adviser and discuss what the best debt solution for your situation might be.]]></description>
</item>
<item>
<title>Top Debt Management Tips</title>
<link>http://EzineArticles.com/1922892</link>
<guid>http://EzineArticles.com/1922892</guid>
<pubDate>Mon, 02 Feb 2009 10:09:25 -0600</pubDate>
<description><![CDATA[There are a number of things can do to help get yourself out of debt. Here are a few tips for making managing your debts easier.]]></description>
</item>
<item>
<title>Debt Solutions Compared - Debt Consolidation Vs IVA</title>
<link>http://EzineArticles.com/1913718</link>
<guid>http://EzineArticles.com/1913718</guid>
<pubDate>Thu, 29 Jan 2009 10:13:08 -0600</pubDate>
<description><![CDATA[There are different types and levels of debt - and as such, there are different debt solutions that might be more appropriate for each individual's circumstances. Here we look at two debt solutions: debt consolidation and IVAs (Individual Voluntary Arrangements).]]></description>
</item>
<item>
<title>Growing Demand For Debt Advice</title>
<link>http://EzineArticles.com/1896764</link>
<guid>http://EzineArticles.com/1896764</guid>
<pubDate>Thu, 22 Jan 2009 11:48:20 -0600</pubDate>
<description><![CDATA[Hundreds of thousands of borrowers benefited from debt advice last year, the Department for Business, Enterprise and Regulatory Reform reports.     It seems that over 100,000 people were helped by Government-funded face-to-face debt advice services alone, while many more called the Government-funded debt advice phone service, which has reported a 40% annual increase in the number of calls.     Meanwhile, demand for Business Debtline, the debt advice service for businesses, doubled between autumn 2007 and autumn 2008.]]></description>
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<title>Debt Advice in Unpredictable Times</title>
<link>http://EzineArticles.com/1887580</link>
<guid>http://EzineArticles.com/1887580</guid>
<pubDate>Mon, 19 Jan 2009 16:02:47 -0600</pubDate>
<description><![CDATA[The less we know about what lies ahead, the more important it is to get the right debt advice, so we can take action - and be as prepared as we can be.  In December, the Halifax and the Nationwide (two of the UK's largest mortgage lenders) shocked quite a few people when they announced they would not be publishing their house price forecasts.  While the Halifax said it was 'not appropriate' to comment due to the upcoming takeover by Lloyds TSB, the Nationwide simply said it was too difficult.]]></description>
</item>
<item>
<title>Debt Advice &amp; Access to Credit</title>
<link>http://EzineArticles.com/1862563</link>
<guid>http://EzineArticles.com/1862563</guid>
<pubDate>Mon, 12 Jan 2009 14:26:52 -0600</pubDate>
<description><![CDATA[In the midst of the credit crunch, many people are likely to need debt advice - but some are simply more likely than others. Although today's economic problems are having an effect on just about everyone, they're affecting different groups of people more (or less) than others.]]></description>
</item>
<item>
<title>Debt Advice in the Credit Crunch</title>
<link>http://EzineArticles.com/1858589</link>
<guid>http://EzineArticles.com/1858589</guid>
<pubDate>Fri, 09 Jan 2009 15:46:11 -0600</pubDate>
<description><![CDATA[Who needs debt advice? According to the PricewaterhouseCoopers (PwC) Credit Confidence survey, 27% of UK 'credit customers' are concerned about their ability to repay debts in the future. 16% are already struggling to repay their current debts - but 'relatively few' are willing to cut down on their everyday expenditure, or consolidate or restructure their debts.]]></description>
</item>
<item>
<title>Does it Make Sense to Remortgage?</title>
<link>http://EzineArticles.com/1812904</link>
<guid>http://EzineArticles.com/1812904</guid>
<pubDate>Sun, 28 Dec 2008 18:45:36 -0600</pubDate>
<description><![CDATA[Some people remortgage because they have to. They may have reached the end of their mortgage deal, or they may need to free up some equity in their property.    Other people, however, choose to remortgage because they've spotted a deal that's simply better than the one they're on right now and they've decided they want to cut their monthly payments by moving to it.]]></description>
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<title>Debt Advice and the Pre-Budget Report</title>
<link>http://EzineArticles.com/1798787</link>
<guid>http://EzineArticles.com/1798787</guid>
<pubDate>Tue, 23 Dec 2008 07:04:13 -0600</pubDate>
<description><![CDATA[Whatever the economic climate, debts can always be a problem if the borrower can't keep up with the repayments. In other words, debt advice always has an important role to play, helping people learn to budget, negotiate with their lenders, plan ahead - and one day get out of debt altogether.]]></description>
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<title>Debt and Debt Management For Parents</title>
<link>http://EzineArticles.com/1707149</link>
<guid>http://EzineArticles.com/1707149</guid>
<pubDate>Mon, 24 Nov 2008 09:53:41 -0600</pubDate>
<description><![CDATA[Three quarters of parents have debts in the form of loans, credit card debts and overdrafts, according to 'Families and the credit crunch 2008', a report released in November by the Family and Parenting Institute, based on a YouGov survey of more than 5,000 parents.    The average debt, apparently, is ?8,400, but parents don't just owe money to companies - according to the survey, a full 25% have borrowed money from (or been given money by) their own parents in the last year.    The survey also reported some other worrying findings.]]></description>
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<title>Debt Consolidation Vs IVA</title>
<link>http://EzineArticles.com/1666210</link>
<guid>http://EzineArticles.com/1666210</guid>
<pubDate>Tue, 11 Nov 2008 10:01:18 -0600</pubDate>
<description><![CDATA[Why do people consolidate their debts or enter into IVAs (Individual Voluntary Arrangements)? People in debt may be looking for a debt solution that can reduce their monthly debt repayments and help them get out of debt at a rate they can afford.]]></description>
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<item>
<title>Loans, Lending &amp; LIBOR</title>
<link>http://EzineArticles.com/1647792</link>
<guid>http://EzineArticles.com/1647792</guid>
<pubDate>Wed, 05 Nov 2008 14:46:36 -0600</pubDate>
<description><![CDATA[Every time the Bank of England's (BoE's) base rate goes down, the price of some existing loans and mortgages - known as 'tracker' loans and mortgages - will change immediately. After all, they're called tracker loans and mortgages because they track the base rate.]]></description>
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<item>
<title>Is Debt Consolidation the Best Debt Solution in a Recession?</title>
<link>http://EzineArticles.com/1625587</link>
<guid>http://EzineArticles.com/1625587</guid>
<pubDate>Thu, 30 Oct 2008 08:28:33 -0500</pubDate>
<description><![CDATA[Is debt consolidation the best debt solution for me? Now that we're in a recession (according to the Ernst & Young ITEM Club Autumn forecast), there's a real need for people with debt problems to understand the differences between debt consolidation and the various other debt solutions available - and understand which one could be right for them at a time like this.]]></description>
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<title>5.2% Inflation - Is it the Peak?</title>
<link>http://EzineArticles.com/1603832</link>
<guid>http://EzineArticles.com/1603832</guid>
<pubDate>Fri, 24 Oct 2008 11:10:25 -0500</pubDate>
<description><![CDATA[In September, inflation reached 5.2% - the highest for 16 years. Fast-rising prices of energy, food and housing have had a serious impact on consumer finances over the past year - and many analysts argue that the real rise in costs of living to the average British citizen is even higher.]]></description>
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<title>I'm in Debt - What Are My Options?</title>
<link>http://EzineArticles.com/1592824</link>
<guid>http://EzineArticles.com/1592824</guid>
<pubDate>Wed, 22 Oct 2008 09:19:14 -0500</pubDate>
<description><![CDATA["I'm in debt. How do I get out of it?" It's a common question these days, and a problem that's made no easier by today's economic troubles. But whatever debts an individual is facing, they're likely to have at least one debt solution available to them.]]></description>
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<item>
<title>Ofgem Report Could Help People Manage Their Debts</title>
<link>http://EzineArticles.com/1582784</link>
<guid>http://EzineArticles.com/1582784</guid>
<pubDate>Fri, 17 Oct 2008 15:26:24 -0500</pubDate>
<description><![CDATA[Struggling to manage their debts as the cost of living rises, many people in lower-income groups are also struggling to cope with another disadvantage - they're being charged more for their energy.  So says a report from energy industry regulator Ofgem, which has 'given the industry notice to end practices that are failing some customers, and to deliver the full benefits of competition to the entire market'. ]]></description>
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<title>BoE Figures - Their Impact on Debt Consolidation Loans</title>
<link>http://EzineArticles.com/1592819</link>
<guid>http://EzineArticles.com/1592819</guid>
<pubDate>Fri, 17 Oct 2008 10:50:58 -0500</pubDate>
<description><![CDATA[For anyone thinking of consolidating their debts, the recent figures from the Bank of England might not make pleasant reading. Their 'Lending to Individuals: August 2008' Statistical Release reveals that the increase in total net lending to individuals was much lower in August (1.4 billion) than in July (4 billion).]]></description>
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<title>Help the Aged - MPs Support More Help For the Elderly</title>
<link>http://EzineArticles.com/1562685</link>
<guid>http://EzineArticles.com/1562685</guid>
<pubDate>Mon, 13 Oct 2008 11:59:04 -0500</pubDate>
<description><![CDATA[Between 1995 and 2005, the average borrower's outstanding debt trebled, but the 55-64 age range saw a sharper rise per individual than any other age range. So says 'Debt and Older People', a report by the Personal Finance Research Centre at Bristol University, commissioned by Help the Aged and Barclays.     As they prepare for retirement, people should be able to sit back and enjoy the fruits of their years of hard work, rather than struggling to manage their debts.]]></description>
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<item>
<title>Quick Guide to Choosing a Car Loan</title>
<link>http://EzineArticles.com/1551326</link>
<guid>http://EzineArticles.com/1551326</guid>
<pubDate>Mon, 06 Oct 2008 09:48:40 -0500</pubDate>
<description><![CDATA[For most people, choosing a car is a slow, well-thought-out process - and choosing a car loan should be much the same. However, many people simply go with whatever finance deal they are offered at the showroom, even though there may be much better car loans on the market. By planning well and choosing the right loan, you can save yourself a lot of money in the long run.]]></description>
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<item>
<title>Debt Consolidation and the Financial Markets</title>
<link>http://EzineArticles.com/1538150</link>
<guid>http://EzineArticles.com/1538150</guid>
<pubDate>Mon, 06 Oct 2008 09:08:52 -0500</pubDate>
<description><![CDATA[Lehman Brothers, bailouts, government rescue packages - the financial news in America might not seem important to UK citizens in debt, but the state of US markets is sure to affect the availability and price of debt consolidation loans in Britain.  "There is definitely a connection between what's going on in the US and what goes on in the UK," said Graham Beale, Nationwide Building Society chief executive, "and it really comes down to market confidence, and we are talking about global market confidence because clearly, with the massive disruption in the US, banks have stopped lending...]]></description>
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<title>Debt Management and Rising Inflation</title>
<link>http://EzineArticles.com/1520895</link>
<guid>http://EzineArticles.com/1520895</guid>
<pubDate>Tue, 30 Sep 2008 14:17:52 -0500</pubDate>
<description><![CDATA[What makes debt management a good way of getting through a financial downturn? In a word: affordability. A well-thought-out debt management plan offers borrowers a chance to bring their expenditure back in line with their income.]]></description>
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<item>
<title>Debt Management - Help With Your Debts</title>
<link>http://EzineArticles.com/1487888</link>
<guid>http://EzineArticles.com/1487888</guid>
<pubDate>Wed, 17 Sep 2008 10:56:34 -0500</pubDate>
<description><![CDATA[If you need help with your debts, you're not alone. In the second quarter of 2008 (April - June), almost 25,000 people were declared insolvent in England and Wales alone.]]></description>
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<item>
<title>Debt Consolidation Loans Still an Option</title>
<link>http://EzineArticles.com/1490801</link>
<guid>http://EzineArticles.com/1490801</guid>
<pubDate>Fri, 12 Sep 2008 09:59:02 -0500</pubDate>
<description><![CDATA[Are debt consolidation loans still available? Every three months, the Bank of England publishes its Credit Conditions Survey, which reveals what changes lenders have seen in the credit market recently, and what they expect in the months ahead.]]></description>
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<item>
<title>Should I Consolidate My Debts?</title>
<link>http://EzineArticles.com/1459021</link>
<guid>http://EzineArticles.com/1459021</guid>
<pubDate>Mon, 08 Sep 2008 15:09:42 -0500</pubDate>
<description><![CDATA[If you have multiple debts that you are struggling to deal with, you may have considered debt consolidation as one option. Debt consolidation is a good way of potentially reducing your monthly payments and simplifying your finances.]]></description>
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<item>
<title>Debt Advice in a Slowing Economy</title>
<link>http://EzineArticles.com/1450219</link>
<guid>http://EzineArticles.com/1450219</guid>
<pubDate>Thu, 04 Sep 2008 10:38:04 -0500</pubDate>
<description><![CDATA[A slowing economy is particularly bad news for people in debt. Shrinking incomes and rising costs of living can soon turn small debts into big debts - and big debts into much bigger debts.]]></description>
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<item>
<title>Debt and the Changing Face of the Credit Market</title>
<link>http://EzineArticles.com/1447085</link>
<guid>http://EzineArticles.com/1447085</guid>
<pubDate>Tue, 02 Sep 2008 16:29:09 -0500</pubDate>
<description><![CDATA[Food prices up, repossessions up, house prices down... these are troublesome times, especially for people whose monthly debt repayments are taking up valuable funds they need to cope with the ever-increasing cost of living.  After years of easy access to credit, many households have grown used to the idea that they can consolidate their debts, effectively spreading their repayments out over a number of years to reduce their monthly repayments.]]></description>
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<item>
<title>Debt Advice - Tips on Avoiding Repossession</title>
<link>http://EzineArticles.com/1429899</link>
<guid>http://EzineArticles.com/1429899</guid>
<pubDate>Wed, 27 Aug 2008 08:15:05 -0500</pubDate>
<description><![CDATA[When a homeowner faces the threat of repossession, finding a way to make those monthly mortgage payments jumps to the top of their priorities list. In cases like this, they may have a wide range of debt solutions available to them, from debt consolidation to IVAs (Individual Voluntary Arrangements).]]></description>
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<item>
<title>Government-Backed Debt Solution - IVA</title>
<link>http://EzineArticles.com/1381695</link>
<guid>http://EzineArticles.com/1381695</guid>
<pubDate>Thu, 07 Aug 2008 14:54:15 -0500</pubDate>
<description><![CDATA[If you have debts of around 15,000 (or higher) that you are unable to repay, an IVA (Individual Voluntary Arrangement) is a Government-backed debt solution that could help you get back in the clear by writing off a substantial amount of your debt. As part of the Insolvency Act (1986), it's a legally binding means of getting out of debt that helped over 40,000 people per year in both 2006 and 2007.    An IVA proposal can only be put forward by a licensed Insolvency Practitioner.]]></description>
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<item>
<title>Canceling Holidays and Paying Off Debts - Good Sign Or Bad Sign?</title>
<link>http://EzineArticles.com/1330819</link>
<guid>http://EzineArticles.com/1330819</guid>
<pubDate>Mon, 21 Jul 2008 15:54:05 -0500</pubDate>
<description><![CDATA[The Times announced that 58% of Britons were planning to cut back on their summer holidays, and 19% canceling their summer holiday plans altogether. Maybe it's encouraging to see people re-prioritising, keeping their money for essential things like rent, food and petrol.]]></description>
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<item>
<title>4.1 Million Use Credit Cards For Mortgage Or Rent</title>
<link>http://EzineArticles.com/1312278</link>
<guid>http://EzineArticles.com/1312278</guid>
<pubDate>Fri, 11 Jul 2008 11:44:23 -0500</pubDate>
<description><![CDATA[There's nothing wrong with debt in itself. Without debts such as mortgages and car loans, we wouldn't be able to live our lives the way we want. But once we can't afford our debt repayments, it's time to ask for help, seeking expert debt advice or looking into professional debt solutions such as a debt management plan, debt consolidation loan / mortgage, IVA (Individual Voluntary Arrangement) or Trust Deed.]]></description>
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<item>
<title>The Real Cost of Living - And Why the Inflation Rate Tells a Different Story</title>
<link>http://EzineArticles.com/1312258</link>
<guid>http://EzineArticles.com/1312258</guid>
<pubDate>Fri, 11 Jul 2008 11:43:47 -0500</pubDate>
<description><![CDATA[To those of us keeping a close eye on our finances, the official 3% inflation rate might seem a little short of the mark. It may well be above the Government's target of 2%, but to most UK households, a 3% rise in average costs would be affordable, if a little inconvenient.    In reality, the UK has recently experienced some much sharper rises in costs of living that are putting many people under serious financial strain.]]></description>
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<item>
<title>Debt Consolidation - Dos and Don'ts</title>
<link>http://EzineArticles.com/1260338</link>
<guid>http://EzineArticles.com/1260338</guid>
<pubDate>Mon, 23 Jun 2008 09:19:33 -0500</pubDate>
<description><![CDATA[You've probably heard all kinds of stories about debt consolidation. Some of them portray it as the simplest and best way out of debt. Others paint a disturbing picture of escalating debt that leads inevitably to financial disaster.]]></description>
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<item>
<title>Debt Consolidation - Preventing Debt Problems at an Early Age</title>
<link>http://EzineArticles.com/1237714</link>
<guid>http://EzineArticles.com/1237714</guid>
<pubDate>Thu, 12 Jun 2008 14:35:45 -0500</pubDate>
<description><![CDATA[Why has 'debt consolidation' become such a common phrase nowadays? Unfortunately, the answer's straightforward - it's because debt has become a way of life for so many. This article looks at how debt consolidation can be a route out of that debt.]]></description>
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<item>
<title>Why Choose Debt Management?</title>
<link>http://EzineArticles.com/1237737</link>
<guid>http://EzineArticles.com/1237737</guid>
<pubDate>Thu, 12 Jun 2008 13:37:47 -0500</pubDate>
<description><![CDATA[Why choose debt management? Some debt solutions seem to offer a lot more for a lot less, so why would anyone select a solution that doesn't promise an easy way out?]]></description>
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<item>
<title>CCJs (County Court Judgments) - What Are They</title>
<link>http://EzineArticles.com/1227051</link>
<guid>http://EzineArticles.com/1227051</guid>
<pubDate>Mon, 09 Jun 2008 10:31:35 -0500</pubDate>
<description><![CDATA[If you don't keep up with debt repayments, your creditor can apply to the County Court to issue you with a CCJ* (County Court Judgment). A CCJ places legally binding repayment terms on your debt.]]></description>
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<item>
<title>Housing Market - Past Present &amp; Future</title>
<link>http://EzineArticles.com/1227031</link>
<guid>http://EzineArticles.com/1227031</guid>
<pubDate>Mon, 09 Jun 2008 10:29:44 -0500</pubDate>
<description><![CDATA[It's been well publicized lately that the housing market is on the brink of a crisis - in fact, the crisis has hit the US already. As mortgages become harder to come by and homeowners begin to struggle with rising interest rates and lower demand from buyers, the market is faced with a vicious circle in which prices keep falling, but there are not enough mortgages being offered to increase demand.]]></description>
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<title>Debt Consolidation - A Loan Unlike Any Other</title>
<link>http://EzineArticles.com/1218779</link>
<guid>http://EzineArticles.com/1218779</guid>
<pubDate>Wed, 04 Jun 2008 12:45:27 -0500</pubDate>
<description><![CDATA[Why do we borrow? Cars, holidays, TVs, home improvements... the reasons might vary, but all loans mean we end up owing more. Or do they?]]></description>
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<item>
<title>Debt Management - Pros &amp; Cons</title>
<link>http://EzineArticles.com/1165199</link>
<guid>http://EzineArticles.com/1165199</guid>
<pubDate>Wed, 14 May 2008 10:57:10 -0500</pubDate>
<description><![CDATA[Anyone who knows something about debt probably knows something about debt management companies - professional firms who will manage an individual's debts on their behalf.    This article takes a look at the pros and cons of debt management in terms of three topics close to any borrower's heart: saving money, reducing stress levels and protecting credit rating.    ]]></description>
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<item>
<title>Buying A House? Look Beyond The Price Predictions</title>
<link>http://EzineArticles.com/967745</link>
<guid>http://EzineArticles.com/967745</guid>
<pubDate>Wed, 06 Feb 2008 16:14:52 -0600</pubDate>
<description><![CDATA[If you're thinking of buying a house, it pays to watch house price trends - but it's even more important to think about your own 'trends'. What's your own financial forecast?]]></description>
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<item>
<title>Finding A Mortgage You Can Live With</title>
<link>http://EzineArticles.com/967721</link>
<guid>http://EzineArticles.com/967721</guid>
<pubDate>Wed, 06 Feb 2008 16:13:05 -0600</pubDate>
<description><![CDATA[Choosing the right mortgage can save thousands of pounds and years of uncertainty. But 'right' means something different for every homebuyer. What's right for you?]]></description>
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<item>
<title>Debt - Top Five Risky Myths</title>
<link>http://EzineArticles.com/944207</link>
<guid>http://EzineArticles.com/944207</guid>
<pubDate>Fri, 25 Jan 2008 14:43:31 -0600</pubDate>
<description><![CDATA[Debt is everywhere. As a nation, we've built up around ?1.4 trillion of personal debt. It's hard to get through a day without hearing stories about getting into debt - or out of it.]]></description>
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<item>
<title>Let's Talk About Debt - A Problem Shared Is A Problem Halved</title>
<link>http://EzineArticles.com/927257</link>
<guid>http://EzineArticles.com/927257</guid>
<pubDate>Thu, 24 Jan 2008 11:26:04 -0600</pubDate>
<description><![CDATA[As a nation, we love to talk. At home, on the bus, at work, on the phone: even when we're not actually talking, we're texting, e-mailing and chatting through blogs, instant messaging and social networking sites. It seems there's no end to the ways we'll communicate - and no limit to the things we'll talk about.]]></description>
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<title>Managing Merriness - How Did You Spend Christmas?</title>
<link>http://EzineArticles.com/927246</link>
<guid>http://EzineArticles.com/927246</guid>
<pubDate>Thu, 24 Jan 2008 11:23:35 -0600</pubDate>
<description><![CDATA[Children aren't the only ones who have a hard time waiting for Christmas. For retailers everywhere, it's the most important time of year - the time when shoppers are most likely to throw caution to the wind and really splash out.]]></description>
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<title>Consolidate to Cope With the Credit Crunch</title>
<link>http://EzineArticles.com/854868</link>
<guid>http://EzineArticles.com/854868</guid>
<pubDate>Thu, 29 Nov 2007 11:16:34 -0600</pubDate>
<description><![CDATA[In the last six months, almost half of all applications for credit cards have been turned down.  Every crunch has a silver lining - and today, when credit's hard to come by, people who rely on credit are more likely to think about longer-term solutions to dealing with their finances.]]></description>
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