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<title>Rick Munster - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Rick_Munster</link>
<pubDate>Wed, 15 Feb 2012 08:25:25 -0600</pubDate>
<image><title>Rick Munster - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Rick Munster is the Media Planner for Debt Reduction Services, a national non-profit Credit Counseling agency. Rick has several years of marketing experience with both traditional and internet advertising. His hobbies include creative writing and anything involving the great outdoors.]]></description>
<lastBuildDate>Wed, 03 Feb 2010 17:46:08 -0600</lastBuildDate>
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<title>Debt Consolidation Services Explained</title>
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<pubDate>Wed, 03 Feb 2010 17:46:08 -0600</pubDate>
<description><![CDATA[Debt Consolidation may help you in your endeavor to pay back your current debt and live debt free. This article explains the different types of Debt Consolidation.]]></description>
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<title>Tips to Help You Avoid the Summertime Blues</title>
<link>http://EzineArticles.com/2485419</link>
<guid>http://EzineArticles.com/2485419</guid>
<pubDate>Thu, 18 Jun 2009 11:16:09 -0500</pubDate>
<description><![CDATA[It's heating up outside as summer is getting into full swing. By following these simple tips you can prevent burning a hole in your wallet, save yourself some money and avoid the summertime blues.]]></description>
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<title>Facing Foreclosure? Early Warning Signs</title>
<link>http://EzineArticles.com/855237</link>
<guid>http://EzineArticles.com/855237</guid>
<pubDate>Thu, 29 Nov 2007 13:48:08 -0600</pubDate>
<description><![CDATA[With foreclosures doubling, or tripling in many areas it is important to be one step ahead. Are you you headed towards a foreclosure? Read this article for advice on some of the early warning signs and what you may be able to do to keep out of trouble.]]></description>
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<title>Money Management Skills -  Ten Holiday Spending Tips</title>
<link>http://EzineArticles.com/87176</link>
<guid>http://EzineArticles.com/87176</guid>
<pubDate>Wed, 26 Oct 2005 19:05:27 -0500</pubDate>
<description><![CDATA[It's about that time to start dealing with the long lines, traffic jams and chaos that can come along with holiday shopping. Here are some tips to help you save money and have a pleasant shopping experience.]]></description>
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<title>Filing Bankruptcy - Credit After Bankruptcy</title>
<link>http://EzineArticles.com/81184</link>
<guid>http://EzineArticles.com/81184</guid>
<pubDate>Mon, 10 Oct 2005 12:40:46 -0500</pubDate>
<description><![CDATA[Bankruptcy has and will continue to be the only option for some individuals when it comes to dealing with the burdens of their indebtedness. So what about life after bankruptcy? In this article I have compiled a few suggestions, which if applied, can greatly contribute to the recovery of filing for bankruptcy protection.]]></description>
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<title>Bankruptcy Information - Common Courtroom Terms</title>
<link>http://EzineArticles.com/80348</link>
<guid>http://EzineArticles.com/80348</guid>
<pubDate>Fri, 07 Oct 2005 14:16:41 -0500</pubDate>
<description><![CDATA[Here is a list of terms to know to better understand the bankruptcy process, along with soem terms commonly used in the courtroom.]]></description>
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<title>Do It Yourself Bankruptcy - Some Things to Know First</title>
<link>http://EzineArticles.com/80333</link>
<guid>http://EzineArticles.com/80333</guid>
<pubDate>Fri, 07 Oct 2005 12:03:58 -0500</pubDate>
<description><![CDATA[-	Bankruptcy can be a downright difficult choice, however many people find themselves feeling as if there is no where for them to turn for help. With new bankruptcy laws going into effect it may be difficult for those seeking help and protection to file for bankruptcy on their own. Here are some ideas for those seeking help or thinking of filing for protection without assistance.]]></description>
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<title>Bankruptcy Help - The Effects of Filing and Alternatives to Review First</title>
<link>http://EzineArticles.com/71424</link>
<guid>http://EzineArticles.com/71424</guid>
<pubDate>Wed, 14 Sep 2005 14:30:00 -0500</pubDate>
<description><![CDATA[This article offers a comprehensive look at Bankruptcy, the effects of filing and what can be done to avoid filing.]]></description>
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<title>Credit Counseling - Expect More Out of Credit Counseling</title>
<link>http://EzineArticles.com/71423</link>
<guid>http://EzineArticles.com/71423</guid>
<pubDate>Wed, 14 Sep 2005 14:15:00 -0500</pubDate>
<description><![CDATA[Make sure you are getting the most from your credit counselor. Here are a few things you can ask your agency and yourself to determine if you are getting the best advice.]]></description>
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<title>Choosing the Right Credit Counseling Agency for You - Some Tips Part 2</title>
<link>http://EzineArticles.com/63131</link>
<guid>http://EzineArticles.com/63131</guid>
<pubDate>Wed, 24 Aug 2005 20:59:50 -0500</pubDate>
<description><![CDATA[This is part two of a two part story called "Choosing the Right Credit Counseling Agency for You". Both articles contain topics and items that a person should look into before seeking credit counseling help.]]></description>
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<title>Does Working With a Credit Counseling Organization Hurt Your Credit Score?</title>
<link>http://EzineArticles.com/63123</link>
<guid>http://EzineArticles.com/63123</guid>
<pubDate>Wed, 24 Aug 2005 20:43:57 -0500</pubDate>
<description><![CDATA[Thinking about credit counseling? Here are some things to know about what may happen to your credit score once you sign up. You might be surprised!]]></description>
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<title>Debt Management - Debt Management Fees</title>
<link>http://EzineArticles.com/63052</link>
<guid>http://EzineArticles.com/63052</guid>
<pubDate>Wed, 24 Aug 2005 20:36:55 -0500</pubDate>
<description><![CDATA[When you are in the process of determing if you need of debt reduction advice one of the first things I recommend for you to research are the companies fees. Here are a few things to look for.]]></description>
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<title>Debt Management - Is It the Right Choice For You?</title>
<link>http://EzineArticles.com/63050</link>
<guid>http://EzineArticles.com/63050</guid>
<pubDate>Wed, 24 Aug 2005 20:35:56 -0500</pubDate>
<description><![CDATA[Debt can be a scary thing, especially when you are at a point where the money coming in is nearing or less than the money going out. Seeking help early can alleviate a long lasting burden. This articles focus is on Debt Management, and the pro's and con's of entering a repayment plan.]]></description>
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<title>Credit Counseling - Signs That You May Need Help</title>
<link>http://EzineArticles.com/63127</link>
<guid>http://EzineArticles.com/63127</guid>
<pubDate>Wed, 24 Aug 2005 20:32:54 -0500</pubDate>
<description><![CDATA[How will you know if you should seek advice from a certified credit counselor? Every persons scenario is different, however many carry similar themes, here are things to look for.]]></description>
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<title>Bankruptcy - Is It The Right Choice For You?</title>
<link>http://EzineArticles.com/61865</link>
<guid>http://EzineArticles.com/61865</guid>
<pubDate>Tue, 23 Aug 2005 11:16:05 -0500</pubDate>
<description><![CDATA[So you have found yourself in a pickle with your finances. Before speaking to a Bankruptcy Attorney read this article. It gives valuable insight on if Bankruptcy is right for you.]]></description>
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<title>Bankruptcy 101</title>
<link>http://EzineArticles.com/61854</link>
<guid>http://EzineArticles.com/61854</guid>
<pubDate>Tue, 23 Aug 2005 10:59:49 -0500</pubDate>
<description><![CDATA[A broad look at bankruptcy in general to help better explain what it is and what the effects of filing are to the consumer. ]]></description>
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<title>Bankruptcy - Bankruptcy Myths</title>
<link>http://EzineArticles.com/61858</link>
<guid>http://EzineArticles.com/61858</guid>
<pubDate>Tue, 23 Aug 2005 10:08:52 -0500</pubDate>
<description><![CDATA[We've all seen the ads. You know the ones that say "Bankruptcy, File Now For A Free Start, It's Easy!", or the Bankruptcy attorneys that actually have the word "Easy" or some abrreviated form of the word in their name. Here are some tips to help you understand bankruptcy without all of the hype.]]></description>
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<title>Strategy - Personal and Business</title>
<link>http://EzineArticles.com/61370</link>
<guid>http://EzineArticles.com/61370</guid>
<pubDate>Thu, 18 Aug 2005 20:32:12 -0500</pubDate>
<description><![CDATA[How Following a Strategic Plan Impacts Both Personal and Business Life.]]></description>
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