<?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>Michael Redbourn - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Michael_Redbourn</link>
<pubDate>Wed, 15 Feb 2012 10:46:04 -0600</pubDate>
<image><title>Michael Redbourn - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Michael_Redbourn</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[EzineArticles.com is Trusted By Millions as The Source For Quality Original Articles]]></description>
<lastBuildDate>Fri, 23 Oct 2009 17:34:18 -0500</lastBuildDate>
<atom:link rel="hub" href="https://pubsubhubbub.appspot.com" />
<item>
<title>Discover How to Reduce Your Outgoings and Pay Less Interest in Eight Easy Steps</title>
<link>http://EzineArticles.com/3126976</link>
<guid>http://EzineArticles.com/3126976</guid>
<pubDate>Fri, 23 Oct 2009 17:34:18 -0500</pubDate>
<description><![CDATA[Lots of people that never had a debt problem in their lives are now struggling to make their monthly payments because they were forced to take on additional debt because of the ongoing financial crisis, and because of their lack of experience they're not aware of a few simple steps that could easily ease their burden. Following are eight well tried and tested tips, and they will help anybody and everybody that really wants to get debt free.]]></description>
</item>
<item>
<title>Stop Doing the Job That You Hate and Do Something You Love</title>
<link>http://EzineArticles.com/3099862</link>
<guid>http://EzineArticles.com/3099862</guid>
<pubDate>Thu, 22 Oct 2009 15:10:25 -0500</pubDate>
<description><![CDATA[A vast majority of people either dislike their jobs, or they actually hate them, and they're often right to do so. They feel bored or exploited, and many jobs are just downright horrible, and it's tragic that they keep on doing them! They keep doing the job because they fear many things and much of the fear is most likely justified, but doing a job that you hate every day is not very different to spending one third of every day in prison.]]></description>
</item>
<item>
<title>Break Free From Debt Addiction Now!</title>
<link>http://EzineArticles.com/3033578</link>
<guid>http://EzineArticles.com/3033578</guid>
<pubDate>Tue, 13 Oct 2009 08:39:18 -0500</pubDate>
<description><![CDATA[It's widely known that tens of millions are shouldering close to $10,000 of debt and that it's breaking their backs, and the number of bankruptcies for this year just exceeded a million. It's not just people that are going bankrupt but states are too, are whereas the battle cry used to be, "California or Bust", it's now, "California is Bust", and the sad truth is that the U.S. is bankrupt too. What happened? Did Americans become addicted to debt?]]></description>
</item>
<item>
<title>Great Tips on How to Negotiate With a Collection Agency</title>
<link>http://EzineArticles.com/2998988</link>
<guid>http://EzineArticles.com/2998988</guid>
<pubDate>Tue, 06 Oct 2009 10:04:18 -0500</pubDate>
<description><![CDATA[It's quite common for people to panic when they're first contacted by a collection agency, and most debt collectors are very skilled at frightening people. The truth is that the last thing that they want to do is to go to court, and in almost every case, the longer the debtor holds out, the less he or she will pay. The collection agency paid as little as one cent on the dollar, and will settle for far less than you think.]]></description>
</item>
<item>
<title>Knowing the Differences Between Good, Neutral and Toxic Loans Will Help You Get Out of Debt</title>
<link>http://EzineArticles.com/2940499</link>
<guid>http://EzineArticles.com/2940499</guid>
<pubDate>Mon, 28 Sep 2009 22:29:22 -0500</pubDate>
<description><![CDATA[Many people are now using either the Snowball or Avalanches systems to reduce their debts, and some are integrating the Snowflake system too, but there are other important factors that should be taken into account too, such as whether a debt is good, neutral or toxic, and if you don't know the difference then you need to find out now.]]></description>
</item>
<item>
<title>Better Understand Debt Management, Debt Settlement and Debt Consolidation</title>
<link>http://EzineArticles.com/2928787</link>
<guid>http://EzineArticles.com/2928787</guid>
<pubDate>Sat, 26 Sep 2009 16:20:11 -0500</pubDate>
<description><![CDATA[If you've tried different get out of debt systems, and none of them helped, then it may simply be that you owe too much money relative to your income, and that nothing is going to help much except either reducing the interest and fees, or restructuring your debts completely, meaning not just the fees and interest, but getting the lender to reduce the total amount owed, and therein lies the difference between Debt Management and Debt Settlement.]]></description>
</item>
<item>
<title>What to Say and What Not to Say When Negotiating With Original Creditors</title>
<link>http://EzineArticles.com/2956094</link>
<guid>http://EzineArticles.com/2956094</guid>
<pubDate>Fri, 25 Sep 2009 20:04:13 -0500</pubDate>
<description><![CDATA[There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too.]]></description>
</item>
<item>
<title>Effectively Pay Off All Your Debts With a Wonderful $2.99 Application</title>
<link>http://EzineArticles.com/2914597</link>
<guid>http://EzineArticles.com/2914597</guid>
<pubDate>Thu, 24 Sep 2009 16:01:35 -0500</pubDate>
<description><![CDATA[Lots of people are trying to pay off their debts right now, and a great many are succeeding in reducing them, but the overriding question has to be, "Are they doing it in the most effective manner?", and the sad answer has to be, "probably not" because they were unable to compare various debt reduction systems to their specific situations. Well now they can, with a $2.99 application from Apple, which also works with Windows.]]></description>
</item>
<item>
<title>How a Lump Sum Can Save You Money on Your Credit Cards and How it Can't</title>
<link>http://EzineArticles.com/2906091</link>
<guid>http://EzineArticles.com/2906091</guid>
<pubDate>Thu, 24 Sep 2009 09:16:11 -0500</pubDate>
<description><![CDATA[A common question that many people ask who suddenly come into some cash, is if they should use it to make a deal with their creditors. Paying off their cards would save a lot of money on interest, but what many of these people are really asking is if they should use the lump sum to enter into debt settlement, which means reaching a deal with companies to pay less than they really owe. It's possible, it saves more money, but it's problematical.]]></description>
</item>
<item>
<title>Learn How to Negotiate and Make Better Deals With Vendors and Creditors</title>
<link>http://EzineArticles.com/2879273</link>
<guid>http://EzineArticles.com/2879273</guid>
<pubDate>Wed, 16 Sep 2009 16:06:52 -0500</pubDate>
<description><![CDATA[The majority of people in the west are too embarrassed to haggle over prices, men more so than women. The bottom line is that there is nothing to be embarrassed or ashamed about and most vendors would much rather you pay a little less and make a purchase than see you leave empty handed. The same goes for lenders and credit card companies, who would much rather get paid a portion of what you owe than nothing at all.]]></description>
</item>
<item>
<title>Get Fully Versed With Chapters 7, 11, 12, and 13</title>
<link>http://EzineArticles.com/2789332</link>
<guid>http://EzineArticles.com/2789332</guid>
<pubDate>Tue, 08 Sep 2009 14:05:50 -0500</pubDate>
<description><![CDATA[Hardly anyone living in the U.S. that is not a bankruptcy attorney knows that there are presently seven different ways of filing for discharge. Even if they do know, then they almost certainly wouldn't know what the differences mean, or how those differences could affect them, or which one might be best for them.]]></description>
</item>
<item>
<title>Get to Grips With the Statue of Limitations on Debt</title>
<link>http://EzineArticles.com/2770871</link>
<guid>http://EzineArticles.com/2770871</guid>
<pubDate>Mon, 31 Aug 2009 15:13:03 -0500</pubDate>
<description><![CDATA[The first and perhaps the most important thing to understand about the Statute Of limitations On Debt, is that although debt collectors and creditors are allowed to contact you about a debt that you still owe forever, they can only sue you for it for a certain amount of time. How long it takes is different in almost every state, and it's as much as six years in some states and as little as three in others.

 ]]></description>
</item>
<item>
<title>Credit Counseling, Debt Settlement &amp; Debt Consolidation Explained</title>
<link>http://EzineArticles.com/2766658</link>
<guid>http://EzineArticles.com/2766658</guid>
<pubDate>Sat, 29 Aug 2009 08:10:26 -0500</pubDate>
<description><![CDATA[Most people that are struggling with suffocating debt are doing so for the first time, and therefore have very little knowledge, let alone understanding of the three most commonly used methods that can reduce the interest, and even the overall sum itself. This article clearly explains the differences between, credit counseling, debt consolidation and debt settlement, and will hopefully enable people to choose the system that is right for them.]]></description>
</item>
<item>
<title>The Junk Debt Business is a Highly Sordid One</title>
<link>http://EzineArticles.com/2745456</link>
<guid>http://EzineArticles.com/2745456</guid>
<pubDate>Mon, 24 Aug 2009 09:56:47 -0500</pubDate>
<description><![CDATA[The whole business of buying junk debts has a grubby feel to it, because the people that buy the debts, do so knowing that in order to make big money from their purchases, that they'll have to hound people whose lives have already become wretched. Debts are sold at auctions for often as little as five cents on the dollar, because the debts would be almost impossible to collect, in ways that are open to high profile lenders.]]></description>
</item>
<item>
<title>Dealing With Debt Collectors</title>
<link>http://EzineArticles.com/2737636</link>
<guid>http://EzineArticles.com/2737636</guid>
<pubDate>Fri, 21 Aug 2009 10:09:11 -0500</pubDate>
<description><![CDATA[Many people are now afraid to answer their phones because they half expect the call to be from a debt collector, and they don't know what to say. Most debt collectors have been trained, and they're experienced and know the law, as it relates to their profession. The majority of debtors have no training, and they don't know the law which puts them at a terrible disadvantage, so this article will attempt to correct that imbalance.]]></description>
</item>
<item>
<title>Be Amazed at How Many Billions Are Presently Enrolled in Debt Settlement Programs</title>
<link>http://EzineArticles.com/2729356</link>
<guid>http://EzineArticles.com/2729356</guid>
<pubDate>Thu, 20 Aug 2009 14:04:41 -0500</pubDate>
<description><![CDATA[I knew that the debt settlement business was big, but was amazed to discover that more than $20 billion in consumer debt is currently enrolled in debt settlement programs! Just take on board what that means! Americans that are in debt have saved over $20 billion by not paying their debts, and debt settlement companies are using that cash in hand to leverage lenders to accept more than is legally owed to them.]]></description>
</item>
<item>
<title>The Best Debt Settlement Companies Want More Regulation</title>
<link>http://EzineArticles.com/2721706</link>
<guid>http://EzineArticles.com/2721706</guid>
<pubDate>Mon, 17 Aug 2009 19:46:50 -0500</pubDate>
<description><![CDATA[At a time when this administration seems to be taking over and attempting to regulate everything that moves, more and more states are preparing to pass laws that will further regulate debt settlement companies. This is a good thing however because there is presently very little regulation and even the industry's main trade groups are welcoming tighter controls, because of the damage that rogue companies are doing to the legit ones.]]></description>
</item>
<item>
<title>Discover the Differences Between Debt Consolidation and Debt Settlement</title>
<link>http://EzineArticles.com/2714035</link>
<guid>http://EzineArticles.com/2714035</guid>
<pubDate>Mon, 17 Aug 2009 09:58:58 -0500</pubDate>
<description><![CDATA[Many people are trying really hard to pay off their debts but they're not succeeding and it's not their fault. They doing their best but the compounding interest and the fees are too high, so no matter what they do they get deeper into debt every month. They're finally left with just three choices which are debt consolidation, debt settlement and bankruptcy, and this article explains the differences between debt consolidation and debt settlement.]]></description>
</item>
<item>
<title>There Are Lots of Very Good Reasons to Get in and Out of Debt</title>
<link>http://EzineArticles.com/2637086</link>
<guid>http://EzineArticles.com/2637086</guid>
<pubDate>Thu, 30 Jul 2009 09:17:25 -0500</pubDate>
<description><![CDATA[There is so much talk now about getting out of debt, and about how bad it is to have debts, but it's simply not true. Are you supposed to pay cash for your home or your car? Of course not. And if you move from a furnished place to an unfurnished one, are you supposed to live without furniture, a cooker and a fridge? Of course not. It's having too much debt that's the problem, but we'll look at some different ways to reduce it right now.]]></description>
</item>
<item>
<title>Fico Scores Are Being Wrecked by the Home Affordable Modification Program</title>
<link>http://EzineArticles.com/2629442</link>
<guid>http://EzineArticles.com/2629442</guid>
<pubDate>Wed, 29 Jul 2009 11:42:43 -0500</pubDate>
<description><![CDATA[Many home buyers who were in danger of defaulting on their mortgages signed up for the government's Home Affordable Modification Program, in order to lower their mortgage payments. What they didn't know was that signing up would cause a huge drop in their credit scores and I'm talking about over 100 points. Such a big drop means a reduction in credit card limits, and some people are reporting $15,000 limits being cut to as little as $500.]]></description>
</item>
<item>
<title>Don't Feel So Secure Because Your Loan is Unsecured</title>
<link>http://EzineArticles.com/2671595</link>
<guid>http://EzineArticles.com/2671595</guid>
<pubDate>Tue, 28 Jul 2009 09:52:13 -0500</pubDate>
<description><![CDATA[If you're one of those people that might soon default on loans, but sleeps well at night because they're all unsecured, then it's time to wake up. It's not easy for lenders to recover all or a part of their money if a loan is unsecured, but it's by no means impossible, and arriving at some kind of settlement is normally best for both parties.]]></description>
</item>
<item>
<title>Discover Why You Should Use Your Savings to Pay Off Debts</title>
<link>http://EzineArticles.com/2613667</link>
<guid>http://EzineArticles.com/2613667</guid>
<pubDate>Mon, 27 Jul 2009 07:58:27 -0500</pubDate>
<description><![CDATA[The most common financial question that's plastered just about everywhere right now is, "Should I use my savings to pay off debts?". There is no one size fits all answer, but there are definitely guide lines that can be given and that's what you'll find here. You should only use a part of your savings to pay off debts, and this article explains which debts to pay off, and how much money you should keep in your savings account.]]></description>
</item>
<item>
<title>Fasten Your Seat Belts Because Your Minimum Payments Might Soon Double!</title>
<link>http://EzineArticles.com/2605614</link>
<guid>http://EzineArticles.com/2605614</guid>
<pubDate>Thu, 23 Jul 2009 13:06:39 -0500</pubDate>
<description><![CDATA[Credit card companies are rushing to raise their interest rates and fees before new laws are enacted that will severely restrict their actions. Their slashing limits too and some people have already seen their monthly payments double, and if you haven't then you're lucky but it's highly likely that you're going to suffer the same fate soon.]]></description>
</item>
<item>
<title>Discover Why Debt Settlement Probably Isn't Right For You</title>
<link>http://EzineArticles.com/2589454</link>
<guid>http://EzineArticles.com/2589454</guid>
<pubDate>Fri, 17 Jul 2009 11:28:28 -0500</pubDate>
<description><![CDATA[A great number of people are considering debt settlement right now, but they don't really understand what it is and how it works. This article clearly explains what's involved and why it's probably not for you. Debt settlement is stressful, ruins your credit and often doesn't work.]]></description>
</item>
<item>
<title>Errors on Your Credit Report Could Be Costing You Thousands of Bucks</title>
<link>http://EzineArticles.com/2573892</link>
<guid>http://EzineArticles.com/2573892</guid>
<pubDate>Wed, 15 Jul 2009 07:56:23 -0500</pubDate>
<description><![CDATA[If more people understood that errors on their credit reports were possibly costing them tens of thousands of dollars, then they'd probably check them on a regular basis, but they don't. Around 79% of credit reports contain errors. 25% percent of credit reports contain errors that are serious enough to cause automatic denial of credit, unfavorable loan rates, and in some cases even a job. But after you correct them, there's more to do!]]></description>
</item>
<item>
<title>It's Quality and Not Quantity That Affects Your Credit Score</title>
<link>http://EzineArticles.com/2568612</link>
<guid>http://EzineArticles.com/2568612</guid>
<pubDate>Tue, 14 Jul 2009 08:44:35 -0500</pubDate>
<description><![CDATA[Most people seem to believe that if only they had a bigger income that they'd have a higher credit score, and that all would be well with the world. Perhaps surprisingly, the two things aren't even connected however, and what matters, is your debt to income ratio, and a high income with a lot of debt is no better than a small income with hardly any debts.]]></description>
</item>
<item>
<title>The Best and Worst Ways to Pay Off Debts</title>
<link>http://EzineArticles.com/2502021</link>
<guid>http://EzineArticles.com/2502021</guid>
<pubDate>Thu, 25 Jun 2009 08:23:38 -0500</pubDate>
<description><![CDATA[Many people in the U.S. are now trying to crawl out from underneath stifling debt, but they're not doing it in a systematic way. They mean well, but they are wasting thousands of their dollars by not paying off their debts in a proven way. Some methods are obviously better than others and you can read about their weaknesses and strengths here.]]></description>
</item>
<item>
<title>6 Step by Step Ways to Improve Your Debt Settlement Technique</title>
<link>http://EzineArticles.com/2466404</link>
<guid>http://EzineArticles.com/2466404</guid>
<pubDate>Fri, 19 Jun 2009 08:11:28 -0500</pubDate>
<description><![CDATA[Most people that have problems paying their debts are more than capable of carrying out their own negotiations with lenders, but their mind set and false perceptions let them down. This article explains how to prepare for the negotiations, and offers advice on what to say, and what not to say.]]></description>
</item>
<item>
<title>Six Tips to Help You Recognize a Bad Credit Loan Scam</title>
<link>http://EzineArticles.com/2473149</link>
<guid>http://EzineArticles.com/2473149</guid>
<pubDate>Mon, 15 Jun 2009 13:02:31 -0500</pubDate>
<description><![CDATA[The present financial crisis has spawned a very ugly growth industry called Bad Credit Loan Scams. It's a particularly horrible phenomenon because crooks are preying on those that are most in need of help, and often putting a final nail in a family's financial coffin. It's not hard to spot the scam artists, if you know what to look for, and this article provides six tip-offs to rip-offs, and tells you what to do if you encounter a scam.]]></description>
</item>
<item>
<title>Discover How Credit Agencies Compute Their Credit Scores</title>
<link>http://EzineArticles.com/2453595</link>
<guid>http://EzineArticles.com/2453595</guid>
<pubDate>Thu, 11 Jun 2009 12:11:47 -0500</pubDate>
<description><![CDATA[Everybody wants to have a better credit score, and although lots has been written on the subject, very little has been said about the obvious way to get one. In order to know how to raise your credit score, you need to know how the credit agencies compute them. They all use almost identical systems and they're not overly complicated, and this article explains them clearly and simply.]]></description>
</item>
<item>
<title>Get Out of Debt the Professional Way</title>
<link>http://EzineArticles.com/2450302</link>
<guid>http://EzineArticles.com/2450302</guid>
<pubDate>Thu, 11 Jun 2009 07:58:03 -0500</pubDate>
<description><![CDATA[Around 63 percent of people that are trying to get out of debt, have no idea how to do it, and they are definitely not doing it in a systematic way. Several ways work, and which way is best depends on the individual and on his circumstances. This article describes three different ways and all of them work!]]></description>
</item>
<item>
<title>Discover How to Retire Debt Free With a Nice Nest Egg Too</title>
<link>http://EzineArticles.com/2442839</link>
<guid>http://EzineArticles.com/2442839</guid>
<pubDate>Wed, 10 Jun 2009 09:45:57 -0500</pubDate>
<description><![CDATA[A growing number of Americans are retiring with a huge amount of debt. They still have years to pay on their mortgages, home equity lines of credit, large monthly credit card bills and even auto loans. Whereas many Americans have become more frugal because of the ongoing recession, the majority of baby boomers are behaving as if retirement will never come. This article offers four tips that could help them retire debt free, and with a nest egg.]]></description>
</item>
<item>
<title>Learn How to Stop Foreclosure Using the Truth in Lending Act</title>
<link>http://EzineArticles.com/2442978</link>
<guid>http://EzineArticles.com/2442978</guid>
<pubDate>Wed, 10 Jun 2009 08:47:18 -0500</pubDate>
<description><![CDATA[Most people know that the Truth In Lending Act gives buyers a three day cooling off period during which time they can change their mind if they don't like something in the contract. What few people don't know however, is that there is an extended Right of Rescission clause that not only prevents foreclosure, but also requires the lender to return all monies to the borrower within thirty days.]]></description>
</item>
<item>
<title>Is Using a Personal Loan to Pay Off Credit Cards a Good Idea?</title>
<link>http://EzineArticles.com/2432610</link>
<guid>http://EzineArticles.com/2432610</guid>
<pubDate>Thu, 04 Jun 2009 10:25:55 -0500</pubDate>
<description><![CDATA[It might or might not be a good idea to pay off your credit cards by using money from a personal loan, but we're going to take a look at the pros and cons, and when you've read them, you should be able to easily decide whether or not it makes sense for you. Moreover, it needs to be said right up front that the intent of this article is not to suggest that you take out a personal loan in order to pay off your credit cards, but is merely to point out the pros and cons of doing so.]]></description>
</item>
<item>
<title>Discover Why Debt Settlement is Probably Not the Way to Go</title>
<link>http://EzineArticles.com/2381314</link>
<guid>http://EzineArticles.com/2381314</guid>
<pubDate>Sun, 24 May 2009 16:38:35 -0500</pubDate>
<description><![CDATA[Americans now face a daily barrage of ads from debt settlement companies, and more and more people are succumbing to the enticing promise of having their debts cut in half. There are of course many legitimate companies, but most are probably not, and they all charge a great deal of money. Many creditors are now refusing to deal with these companies, and are offering to reduce interest, and to cut fees for customers that contact them personally.]]></description>
</item>
<item>
<title>Use Seven Simple Steps to Improve Your FICO Score in Just Nine Months</title>
<link>http://EzineArticles.com/2351833</link>
<guid>http://EzineArticles.com/2351833</guid>
<pubDate>Tue, 19 May 2009 09:09:30 -0500</pubDate>
<description><![CDATA[It's unlikely that people who want to raise their credit score will want to pay somebody to do it, and if they were experts on credit then they wouldn't be looking for articles about credit repair. So this article is therefore intended for those who want a simple and cheap method of improving their credit rating, and if the seven steps are faithfully followed they, should see a 200 point improvement in a poor FICO score within nine months.]]></description>
</item>
<item>
<title>Learn All About FICO Scores and Credit Repair</title>
<link>http://EzineArticles.com/2345396</link>
<guid>http://EzineArticles.com/2345396</guid>
<pubDate>Fri, 15 May 2009 16:44:33 -0500</pubDate>
<description><![CDATA[The growing feeling that the present economic crisis might actually end within a few months is causing many people to think that they should start repairing their credit scores, and they want to know how to do it. Well you can pay to find out or you can learn how to do it yourself. To do it yourself however, you need to know about FICO scores and this articles explains the credit rating process and how to improve a rating.]]></description>
</item>
<item>
<title>Help With Debt Reduction That's Not Just Waffle</title>
<link>http://EzineArticles.com/2329393</link>
<guid>http://EzineArticles.com/2329393</guid>
<pubDate>Wed, 13 May 2009 10:23:02 -0500</pubDate>
<description><![CDATA[With so many people wanting to get out of debt right now, you'd expect there to be lots of great articles around telling people how to pay them off. Well there are lots of articles of course, but the advice in them is so bland and generalized that's it's almost totally useless. This article provides actual steps to take, and will hopefully really be of help to people in trouble, that really are determined to get free from debt.]]></description>
</item>
<item>
<title>Learn About IVA, Debt Management and Debt Consolidation</title>
<link>http://EzineArticles.com/2326407</link>
<guid>http://EzineArticles.com/2326407</guid>
<pubDate>Tue, 12 May 2009 15:46:44 -0500</pubDate>
<description><![CDATA[With the exception of bankruptcy, there are basically just three ways to get out of debt. Debt Consolidation, Debt Management and an IVA, and which one a person should choose, will depend on how deep he is in debt, and on how capable his is of making his regular payments. Many people simply need to organize debt that is manageable; some will need restructure their debt, and the last group will need to agree to an Individual Voluntary Arrangement.]]></description>
</item>
<item>
<title>How and Where to Get the Best Deal on an Unsecured Bad Credit Loan</title>
<link>http://EzineArticles.com/2318821</link>
<guid>http://EzineArticles.com/2318821</guid>
<pubDate>Fri, 08 May 2009 09:50:27 -0500</pubDate>
<description><![CDATA[Due to the fierce online competition between lenders, many people with bad credit are now getting unsecured loans. Moreover, many applicants for bad-credit, unsecured-loans, are now getting several offers from online lenders the same day, and this means that they can now pit one bank against another, and end up with a far better deal than the best one that was originally offered.]]></description>
</item>
<item>
<title>Critical Bankruptcy Tactics to Use When Faced With Foreclosure</title>
<link>http://EzineArticles.com/2298785</link>
<guid>http://EzineArticles.com/2298785</guid>
<pubDate>Wed, 06 May 2009 14:18:37 -0500</pubDate>
<description><![CDATA[Many people who are facing foreclosure are also faced with bankruptcy, and they're unsure about whether they should choose Chapter 7 or Chapter 13, but the choice should almost always be Chapter 13 if the person has any form of income. The question of how to sell their home is also of prime importance, and whether to choose a Realtor or an investor can be a really difficult decision for the uninformed.]]></description>
</item>
<item>
<title>Learn the Advantages of Online Auto Loans Right Now</title>
<link>http://EzineArticles.com/2306866</link>
<guid>http://EzineArticles.com/2306866</guid>
<pubDate>Tue, 05 May 2009 10:39:23 -0500</pubDate>
<description><![CDATA[Many people with bad and poor credit worry needlessly about getting an auto loan, because it's relatively easy to get one. Getting the loan is in fact the easy part, and getting the best deal is the difficult part, because the deals vary enormously. Right now, shopping online is the best way to go because the competition is cutthroat, the quotes are almost without exception free, there's no commitment, and they arrive within 24 hours.]]></description>
</item>
<item>
<title>An Innovative Way to Pay Less Interest on Your Credit Cards</title>
<link>http://EzineArticles.com/2227263</link>
<guid>http://EzineArticles.com/2227263</guid>
<pubDate>Tue, 28 Apr 2009 09:55:41 -0500</pubDate>
<description><![CDATA[Credit card companies constantly added to their profits by adding all kinds additional charges, such as late fees, pre-payment fees and over-the-limit fees, and they seemingly didn't realize that they'd kill the goose that was laying the golden eggs. They have finally realized however, but their slowness of understanding has led to many borrowers being offered incredible deals that release them from between 20 and 70% of their credit card debt.]]></description>
</item>
<item>
<title>Unforgettable Information About Unsecured Loans</title>
<link>http://EzineArticles.com/2222342</link>
<guid>http://EzineArticles.com/2222342</guid>
<pubDate>Tue, 28 Apr 2009 09:55:07 -0500</pubDate>
<description><![CDATA[Due to the current financial crisis, more and more people with bad credit scores are taking out unsecured loans, even though they cost more than secured ones, and people with collateral are applying for them too. They're using the loans to pay for their education, repairs and debt consolidation etc. and a real upside is that by paying them back on time, they're also improving their credit ratings.]]></description>
</item>
<item>
<title>Incredible Advice - Don't Cut Up Your Credit Cards!</title>
<link>http://EzineArticles.com/2209002</link>
<guid>http://EzineArticles.com/2209002</guid>
<pubDate>Wed, 15 Apr 2009 15:24:46 -0500</pubDate>
<description><![CDATA[We were told for many years, that because of the high interest rates charged by credit card companies, that we should attempt to pay down the outstanding balances by as much as possible, that we should strive to pay off our cards completely, and if we managed it, that we should cut them up and celebrate as we threw away the pieces. A great number of people correctly followed this excellent advice, and it's likely that many are still considering it, but due to the current economic collapse, many experts and pundits are now reversing their advice, and are now telling us what almost amounts to the opposite.]]></description>
</item>
<item>
<title>Foolproof Way to End Credit Card Debt</title>
<link>http://EzineArticles.com/2209022</link>
<guid>http://EzineArticles.com/2209022</guid>
<pubDate>Wed, 15 Apr 2009 13:44:11 -0500</pubDate>
<description><![CDATA[Due to the ongoing financial crisis, a growing number of people want to get out of debt, and the thing that they most want to get free of is credit card debt. This can be done, and although it takes some knowledge, little work and a lot of discipline, the results are more than a little rewarding. Reducing the number of cards, keeping only the ones with the lowest interest rates, plus making higher than requested monthly payments are key elements.]]></description>
</item>
<item>
<title>Step by Step Way to Professionally Repairing Your Credit Rating</title>
<link>http://EzineArticles.com/2186668</link>
<guid>http://EzineArticles.com/2186668</guid>
<pubDate>Fri, 10 Apr 2009 07:59:42 -0500</pubDate>
<description><![CDATA[It would be lovely to hire a professional to raise your credit score for you, but if your credit rating needs fixing then it's unlikely that you have the money to pay somebody to do the job. Fortunately it's not too difficult to raise a poor credit rating by around 150 points in just a few months and the cost involved is negligible. Knowledge is power, and knowing how to use the credit system like a pro will quickly set you free.]]></description>
</item>
<item>
<title>Learn How to Check Your Credit Report</title>
<link>http://EzineArticles.com/2181730</link>
<guid>http://EzineArticles.com/2181730</guid>
<pubDate>Thu, 09 Apr 2009 10:28:31 -0500</pubDate>
<description><![CDATA[Even people with good credit ratings are now failing to get loan approvals, because the qualifying bar has been raised and because they have erroneous information on their credit reports. Just getting any kind of free credit report online and then simply glancing through it won't help your credit rating at all, and although knowing what kind of report to get is important, knowing what to look for and what to get removed is essential.]]></description>
</item>
<item>
<title>Read This Before You Apply For a Fast Cash Loan</title>
<link>http://EzineArticles.com/2186683</link>
<guid>http://EzineArticles.com/2186683</guid>
<pubDate>Mon, 06 Apr 2009 10:25:05 -0500</pubDate>
<description><![CDATA[It's 100% true that 'fast cash loans' are expensive, but it's equally true that many people have no choice but to request one at some time or another. What is not well known however is that by following a few simple rules, that you can save yourself a whole lot of money. When should you apply? When should you repay the loan? How much should you ask for? The answers to these questions and many others will save you a lot of money!]]></description>
</item>
<item>
<title>Are 'Instant Loans' a Good Idea?</title>
<link>http://EzineArticles.com/2113545</link>
<guid>http://EzineArticles.com/2113545</guid>
<pubDate>Wed, 18 Mar 2009 09:56:35 -0500</pubDate>
<description><![CDATA[As more and more people have worse and worse credit, more and more online lenders are giving loans to people that they wouldnt have looked twice at just a few months ago. The so called 'Payday' and 'Instant' loans are becoming more and more popular, and they can get people out of jams and also help their credit ratings. The downside is however, that if you don't pay them back on time, then the interest is high and your credit gets even worse.]]></description>
</item>
<item>
<title>Once You've Lowered Your Debts, Get Rid of Them Completely!</title>
<link>http://EzineArticles.com/2037857</link>
<guid>http://EzineArticles.com/2037857</guid>
<pubDate>Wed, 11 Mar 2009 08:49:53 -0500</pubDate>
<description><![CDATA[Right now the average American household is carrying over $9,000 in credit card debt and they owe lots of other money too, and probably every person in every household would love to lower their debts, or to get rid of them completely.    Most supposed financial experts offer bland advice when it comes to getting rid of debt such as, "Control your spending and use your credit cards far less", or "Cut up your credit cards and start paying them off immediately." It's the kind of advice which is totally useless to somebody that's struggling.]]></description>
</item>
<item>
<title>Pay Off Debts and Improve Your Credit Rating</title>
<link>http://EzineArticles.com/2010051</link>
<guid>http://EzineArticles.com/2010051</guid>
<pubDate>Fri, 27 Feb 2009 10:15:22 -0600</pubDate>
<description><![CDATA[Fortunately the main contributing factor to a bad credit rating should be the easiest to fix if you're determined to do it. You need to reduce your debt to credit ratio which in the simplest terms, means reducing your debts across all open lines of credit. Your debts should never amount to more than 80% of available credit and if you can get it down to 50% then you'll be well on your way to a good credit rating because reducing debts improves a credit score faster than anything else.]]></description>
</item>
<item>
<title>Learn About the Loan Process</title>
<link>http://EzineArticles.com/2007577</link>
<guid>http://EzineArticles.com/2007577</guid>
<pubDate>Wed, 18 Feb 2009 09:17:26 -0600</pubDate>
<description><![CDATA[The majority of people more than likely believe that the loan process is essentially a simple one and that there is fundamentally not much to learn about it. It is not simple however and knowing the ins and outs of the loans process will save the would be borrower lots of time and lots of money and will also help the loan processor to process the loan faster.]]></description>
</item>
<item>
<title>The Unemployed Can Now Get Unsecured Loans Without Collateral</title>
<link>http://EzineArticles.com/2000759</link>
<guid>http://EzineArticles.com/2000759</guid>
<pubDate>Tue, 17 Feb 2009 09:59:41 -0600</pubDate>
<description><![CDATA[So what's a bank to do? Well more and more banks are not only offering cash loans to the unemployed but many are not even asking for any security either and some of these banks are even making loans to unsecured loans to the unemployed that have bad credit ratings.]]></description>
</item>
<item>
<title>Commission Says Tax Payers Already Bilked Out of $78 Billion!</title>
<link>http://EzineArticles.com/1964959</link>
<guid>http://EzineArticles.com/1964959</guid>
<pubDate>Fri, 13 Feb 2009 09:39:10 -0600</pubDate>
<description><![CDATA[An analysis by the 'Congressional Oversight Panel', which is headed by the Harvard Law Professor Elizabeth Warren suggests that tax payers have already been cheated out of $78 billion and that figure may only be the tip of the iceberg. The report maintains that the Treasury received bank assets worth about $176 billion in exchange for capital purchases of $254 billion under the 'Troubled Asset Relief Program' - commonly known as TARP and the oversight committee blamed what it calls TARP's "one-size-fits-all investment policy" for the shortfall.]]></description>
</item>
<item>
<title>Funding a Bad Bank Would Mean Swapping Cash For Trash!</title>
<link>http://EzineArticles.com/1947435</link>
<guid>http://EzineArticles.com/1947435</guid>
<pubDate>Mon, 09 Feb 2009 14:20:29 -0600</pubDate>
<description><![CDATA[Stiglitz, who is a professor at Columbia University in New York and a former adviser to President Bill Clinton had said that any decision by President Barack Obama to establish a so-called 'bad bank' to help rid financial companies of toxic assets risked increasing the national debt and added that the intended plan would leave taxpayers paying for years of excess lending by banks and would also deprive the government of money that could be better spent by propping up Social Security.  "That amounts to swapping taxpayers' cash for trash and you shouldn't chase good money after bad. We're talking about a national debt that's very hard to manage", he said.]]></description>
</item>
<item>
<title>Obama Placates the Middle East at America's Expense</title>
<link>http://EzineArticles.com/1938340</link>
<guid>http://EzineArticles.com/1938340</guid>
<pubDate>Thu, 05 Feb 2009 11:34:34 -0600</pubDate>
<description><![CDATA[As we now all know or should do by now, President Obama is an Afro-American, the son of a Muslim father and a one-time resident of Indochina which is predominantly Muslim. The upside to this of course is that it makes it much more difficult for the Islamic world to typecast him as a son of the "Great Satan" especially because his middle name is Hussein.]]></description>
</item>
<item>
<title>Latest Reports Show US Economy is in a Tailspin!</title>
<link>http://EzineArticles.com/1920466</link>
<guid>http://EzineArticles.com/1920466</guid>
<pubDate>Fri, 30 Jan 2009 15:54:31 -0600</pubDate>
<description><![CDATA[The recession or depression if you prefer to call it that, which began in housing has now spread to households and consumer spending which is the largest part of the economy is believed to have dropped at a 3.5 percent pace last quarter after slumping at a 3.8 percent rate during the previous three months. "The first half of 2009 will be extraordinarily challenging. Some people are giving up eating out; some people are giving up movies; some people are giving up other things like shopping. Those are fundamental changes that will continue". - Wal-Mart Stores Inc. Chief Executive Officer H. Lee Scott.]]></description>
</item>
<item>
<title>Are America's Banks Repeating the Same Mistakes?</title>
<link>http://EzineArticles.com/1909328</link>
<guid>http://EzineArticles.com/1909328</guid>
<pubDate>Tue, 27 Jan 2009 16:20:26 -0600</pubDate>
<description><![CDATA[Throughout 2007 and 2008 many if not most banks held onto dubious assets that they should have quickly disposed of and their stated reasoning, more often than not was that they believed that that the assets were undervalued because of the present financial climate.  In retrospect, however it can be seen that the longer they waited, the less their assets were worth and the delays cost Merrill Lynch and Citigroup more than half of their per share capital and in the case of Lehman Brothers and Bear Stearns it cost them almost everything.]]></description>
</item>
<item>
<title>The Worst is Not Yet Behind Us!</title>
<link>http://EzineArticles.com/1916999</link>
<guid>http://EzineArticles.com/1916999</guid>
<pubDate>Sat, 24 Jan 2009 19:56:49 -0600</pubDate>
<description><![CDATA[We are without doubt in the grips of the worst financial crisis since the 'Great Depression' and in many ways the problems are more formidable because they are global and the U.S. banking and financial system has been left virtually insolvent by credit losses amounting to around $3 trillion.
In spite of the fact that many supposed financial experts are suggesting that the worst of the current economic crisis is already behind us there is little reason to believe that this is true and many reasons to believe that it isn't.]]></description>
</item>
<item>
<title>December Housing Starts at All Time Low</title>
<link>http://EzineArticles.com/1893349</link>
<guid>http://EzineArticles.com/1893349</guid>
<pubDate>Wed, 21 Jan 2009 11:43:06 -0600</pubDate>
<description><![CDATA[The latest figures coming in suggest that U.S. builders started work on the lowest number of houses since records began and building permits which are a sign of future projects most likely dropped to a record lows as well. According to estimates, housing starts fell 2.7 % last month (December) to an annual rate of 605,000 which would be the lowest level since the Commerce Department started compiling data in 1959.
]]></description>
</item>
<item>
<title>Short Terms Loans Are Now Available to Those With Very Bad Credit!</title>
<link>http://EzineArticles.com/1889435</link>
<guid>http://EzineArticles.com/1889435</guid>
<pubDate>Mon, 19 Jan 2009 09:16:59 -0600</pubDate>
<description><![CDATA[The upshot is that more and more banks are now offering high risk unsecured loans which require NO collateral and if you have any thoughts that you may not be able to repay a loan then these are the kinds to take out. The interest is of course higher but if you default the bank bites the bullet and not you.]]></description>
</item>
<item>
<title>Don't Be Ashamed of Debt! Gates and Buffett Both Have It!</title>
<link>http://EzineArticles.com/1879665</link>
<guid>http://EzineArticles.com/1879665</guid>
<pubDate>Fri, 16 Jan 2009 08:51:31 -0600</pubDate>
<description><![CDATA[Credit cards are probably the worst kind of debt because of the accumulated interest and the added charges. Student loans carry a lower interest rate but can still build up and if you have a 'home mortgage loan' then you should be worried if you aren't able to afford the monthly payments because foreclosure could be near.]]></description>
</item>
<item>
<title>A High Cost Unsecured Loan Might Be Best</title>
<link>http://EzineArticles.com/1870406</link>
<guid>http://EzineArticles.com/1870406</guid>
<pubDate>Mon, 12 Jan 2009 12:00:15 -0600</pubDate>
<description><![CDATA[Right now it's difficult for even people with good credit ratings to get loans and whereas having real estate used to mean almost instant loan approval even that is now problematical because of collapsing house prices.    So what about people that have continually been in arrears, have defaulted on debts, have liens on them or have even filed for bankruptcy?  ]]></description>
</item>
<item>
<title>Don't Take Out a Secured Loan If You're Likely to Default on It!</title>
<link>http://EzineArticles.com/1865753</link>
<guid>http://EzineArticles.com/1865753</guid>
<pubDate>Mon, 12 Jan 2009 10:43:13 -0600</pubDate>
<description><![CDATA[More and more people are now in need of a loan and sadly things are only likely to get more difficult over the next couple of years so it might be a good idea to take a look at the two basic types of loans that are available and decide which would be best for you.  If you have collateral of any kind then you will have to decide between a secured loan or an unsecured one, but if you don't have any collateral then you'll have no alternative but to take out an unsecured loan. ]]></description>
</item>
<item>
<title>Could the Stimulus Package Backfire?</title>
<link>http://EzineArticles.com/1847248</link>
<guid>http://EzineArticles.com/1847248</guid>
<pubDate>Wed, 07 Jan 2009 09:22:51 -0600</pubDate>
<description><![CDATA[In essence, it's simply to buy time with the thinking being that by propping up production and boosting employment and pubic confidence in the short-term that Americans will have time to repay their debts after which they will hopefully go back to higher spending. They'll buy houses again, meaning that home construction will restart, bringing with it heightened business investment.]]></description>
</item>
<item>
<title>How Bad is the Economic Crisis and When Will it End?</title>
<link>http://EzineArticles.com/1840215</link>
<guid>http://EzineArticles.com/1840215</guid>
<pubDate>Mon, 05 Jan 2009 13:41:11 -0600</pubDate>
<description><![CDATA[Clearly, the United States will experience a deep and protracted contraction lasting around two years at least, and certainly beyond the end of 2009.  And to make matters even worse, there will also be recessions in the Euro Zone, the United Kingdom, Continental Europe, Canada, Japan, and all the other supposedly advanced economies.]]></description>
</item>
<item>
<title>Rahm Emanuel - The Absolute Enforcer</title>
<link>http://EzineArticles.com/1698843</link>
<guid>http://EzineArticles.com/1698843</guid>
<pubDate>Mon, 24 Nov 2008 16:17:59 -0600</pubDate>
<description><![CDATA[Obama's choice of Rahm Emanuel as Chief of Staff is in some ways mind boggling. Emanuel is a combative Chicago congressman supremely versed in the ways of the White House and Capitol Hill and he will have one of the biggest voices in the new administration. ]]></description>
</item>
<item>
<title>Condo - A Star That Quickly Faded</title>
<link>http://EzineArticles.com/1698820</link>
<guid>http://EzineArticles.com/1698820</guid>
<pubDate>Thu, 20 Nov 2008 16:02:42 -0600</pubDate>
<description><![CDATA[It now seems almost impossible to imagine that just over three years ago that Condoleezza Rice was seriously considered in many circles as a possible candidate for the Presidency. Following her appointment as Secretary of State at the start of George Bush's second term she made a mini-world tour as was greeted almost ecstatically in many countries. ]]></description>
</item>
</channel>
</rss>
