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	<title>How To Reduce Credit Card Debts And Enjoy Financial Freedom Today! &#187; Debt Counseling</title>
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		<item>
		<title>How Credit Card Debt Effects You</title>
		<link>http://www.reducecreditdebt.info/how-credit-card-debt-effects-you/</link>
		<comments>http://www.reducecreditdebt.info/how-credit-card-debt-effects-you/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 10:19:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Billions]]></category>
		<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Card Offer]]></category>
		<category><![CDATA[Credit Card Purchases]]></category>
		<category><![CDATA[Current Rate]]></category>
		<category><![CDATA[Debt Counseling]]></category>
		<category><![CDATA[Debt Statistics]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Disposable Income]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Excessive Debt]]></category>
		<category><![CDATA[Half That Amount]]></category>
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		<category><![CDATA[One In A Hundred]]></category>
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		<guid isPermaLink="false">http://www.reducecreditdebt.info/how-credit-card-debt-effects-you.html</guid>
		<description><![CDATA[The statistics are truly mind numbing and continue to get worse each and every year. At the current rate about 1% or one in a hundred families will be forced to declare bankruptcy at some point and over 90% of Americans&#8217; disposable income is spent paying back debts. Not a happy picture but as bleak [...]


Related posts:<ol><li><a href='http://www.reducecreditdebt.info/saving-finances-consumer-math-help-pleasee/' rel='bookmark' title='Permanent Link: Saving finances/ consumer math help !! pleasee?'>Saving finances/ consumer math help !! pleasee?</a> <small>Does anybody know any of these, which is the best...</small></li><li><a href='http://www.reducecreditdebt.info/need-help-with-math-10-points-to-the-best-answer/' rel='bookmark' title='Permanent Link: Need Help with Math&#8230;10 Points to the Best Answer!?'>Need Help with Math&#8230;10 Points to the Best Answer!?</a> <small>1. If your realized income is 4.26/wk, what is the...</small></li><li><a href='http://www.reducecreditdebt.info/math-question-need-help/' rel='bookmark' title='Permanent Link: math question need help?'>math question need help?</a> <small>Time Remaining: 1. All of the following are cash-substitutes EXCEPT:...</small></li></ol>]]></description>
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		<item>
		<title>Should I file for bankruptcy?</title>
		<link>http://www.reducecreditdebt.info/should-i-file-for-bankruptcy/</link>
		<comments>http://www.reducecreditdebt.info/should-i-file-for-bankruptcy/#comments</comments>
		<pubDate>Sun, 07 Mar 2010 05:02:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Questions]]></category>
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		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Counselling]]></category>
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		<category><![CDATA[Dad]]></category>
		<category><![CDATA[Debt Counseling]]></category>
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		<guid isPermaLink="false">http://www.reducecreditdebt.info/should-i-file-for-bankruptcy/</guid>
		<description><![CDATA[First and foremost I want to say thank you for all answers I recieve. This is obvisously not an easy time in life and all answers are carefully read, as I hope that you take into consideration all that my situation entails. When I was 19 I set out to get myself a great credit [...]


Related posts:<ol><li><a href='http://www.reducecreditdebt.info/i-have-a-huge-debt-of-24400-if-i-was-to-get-a-loan-to-pay-it-all-instead-of-filing-for-bankruptcy/' rel='bookmark' title='Permanent Link: I have a huge debt of 24,400 if i was to get a loan to pay it all instead of filing for bankruptcy.?'>I have a huge debt of 24,400 if i was to get a loan to pay it all instead of filing for bankruptcy.?</a> <small>I have a huge debt of 24,400 if i was...</small></li></ol>]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Credit Card Debt &#8211; What is the answer?</title>
		<link>http://www.reducecreditdebt.info/credit-card-debt-what-is-the-answer/</link>
		<comments>http://www.reducecreditdebt.info/credit-card-debt-what-is-the-answer/#comments</comments>
		<pubDate>Tue, 22 Dec 2009 02:24:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[10 Years]]></category>
		<category><![CDATA[Astounding Rate]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Credit Debt]]></category>
		<category><![CDATA[Debt Consolidation Companies]]></category>
		<category><![CDATA[Debt Counseling]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Debt Problem]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Federal Government Steps]]></category>
		<category><![CDATA[Lump Sum]]></category>
		<category><![CDATA[New Bankruptcy Laws]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Settlement Company]]></category>
		<category><![CDATA[Sounds]]></category>

		<guid isPermaLink="false">http://www.reducecreditdebt.info/credit-card-debt-what-is-the-answer.html</guid>
		<description><![CDATA[Credit card debt has been an ongoing problem ever since the credit card was created in 1950. People were going into debt at an astounding rate. It wasn&#8217;t very long before the people were in so much debt that they couldn&#8217;t possibly pay it all back. The federal government noticed that Americans were in over [...]


Related posts:<ol><li><a href='http://www.reducecreditdebt.info/debt-consolidation-helps-to-improve-your-bad-credit/' rel='bookmark' title='Permanent Link: Debt Consolidation Helps to Improve your Bad Credit'>Debt Consolidation Helps to Improve your Bad Credit</a> <small>Editor’s note: Sidney Terrell is a regular contributor of Oak...</small></li><li><a href='http://www.reducecreditdebt.info/combating-with-secured-loan-debt-is-not-that-hard-know-why-2/' rel='bookmark' title='Permanent Link: Combating With Secured Loan Debt Is Not That Hard- Know Why'>Combating With Secured Loan Debt Is Not That Hard- Know Why</a> <small>f you are visiting this page and reading this article...</small></li><li><a href='http://www.reducecreditdebt.info/need-help-with-math-10-points-to-the-best-answer/' rel='bookmark' title='Permanent Link: Need Help with Math&#8230;10 Points to the Best Answer!?'>Need Help with Math&#8230;10 Points to the Best Answer!?</a> <small>1. If your realized income is 4.26/wk, what is the...</small></li></ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Counseling  Can It Get You Into More Trouble?</title>
		<link>http://www.reducecreditdebt.info/credit-counseling-can-it-get-you-into-more-trouble/</link>
		<comments>http://www.reducecreditdebt.info/credit-counseling-can-it-get-you-into-more-trouble/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 12:27:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Appointment]]></category>
		<category><![CDATA[Auditing]]></category>
		<category><![CDATA[Counselors]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Debt Collector]]></category>
		<category><![CDATA[Debt Counseling]]></category>
		<category><![CDATA[Debt Problems]]></category>
		<category><![CDATA[Eyebrows]]></category>
		<category><![CDATA[Frustration]]></category>
		<category><![CDATA[Hassle]]></category>
		<category><![CDATA[Homework]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Jumping The Gun]]></category>
		<category><![CDATA[Mail]]></category>
		<category><![CDATA[Minimum Payments]]></category>
		<category><![CDATA[Paycheck To Paycheck]]></category>
		<category><![CDATA[Phone Rings]]></category>
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		<category><![CDATA[Third Party]]></category>
		<category><![CDATA[Voluntary Contributions]]></category>

		<guid isPermaLink="false">http://www.reducecreditdebt.info/credit-counseling-can-it-get-you-into-more-trouble.html</guid>
		<description><![CDATA[Credit Counseling Can It Get You Into More Trouble? Does your heart skip when the phone rings? Are you afraid to open the mail and get another letter from a debt collector? If so, you are not alone. Many Americans are in debt up to their eyebrows and most don&#8217;t even know what options are [...]


No related posts.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are there any legitimate companies that can help you with debt consolidation?</title>
		<link>http://www.reducecreditdebt.info/are-there-any-legitimate-companies-that-can-help-you-with-debt-consolidation/</link>
		<comments>http://www.reducecreditdebt.info/are-there-any-legitimate-companies-that-can-help-you-with-debt-consolidation/#comments</comments>
		<pubDate>Sun, 25 Oct 2009 08:36:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FAQs]]></category>
		<category><![CDATA[Credit Card Companies]]></category>
		<category><![CDATA[Debt Counseling]]></category>

		<guid isPermaLink="false">http://www.reducecreditdebt.info/are-there-any-legitimate-companies-that-can-help-you-with-debt-consolidation/</guid>
		<description><![CDATA[My husband and I have about ,000 in debt and are considering going to one of the many debt counseling companies that we see advertised. Can they really help by working with the credit card companies ? Also do they all charge a fee and how do they work? Refinancing our home is currently not [...]


No related posts.]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How badly will using debt counseling/credit card counseling hurt my credit?</title>
		<link>http://www.reducecreditdebt.info/how-badly-will-using-debt-counselingcredit-card-counseling-hurt-my-credit/</link>
		<comments>http://www.reducecreditdebt.info/how-badly-will-using-debt-counselingcredit-card-counseling-hurt-my-credit/#comments</comments>
		<pubDate>Sun, 14 Jun 2009 14:27:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Debt Relief]]></category>
		<category><![CDATA[Counseling Service]]></category>
		<category><![CDATA[Credit Card Counseling]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[Debt Counseling]]></category>
		<category><![CDATA[Debt Credit]]></category>
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		<category><![CDATA[Unsecured Credit]]></category>
		<category><![CDATA[Unsecured Debt]]></category>

		<guid isPermaLink="false">http://www.reducecreditdebt.info/how-badly-will-using-debt-counselingcredit-card-counseling-hurt-my-credit.html</guid>
		<description><![CDATA[I am thinking about consolidating a lot of unsecured debt using a debt/credit card counseling service. How will use of that sort of service affect my credit rating long-term? Read more here No related posts.


No related posts.]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>How to get out of credit card debt with out filing for bankruptcy,nor do I wish to use debt counseling.?</title>
		<link>http://www.reducecreditdebt.info/how-to-get-out-of-credit-card-debt-with-out-filing-for-bankruptcynor-do-i-wish-to-use-debt-counseling/</link>
		<comments>http://www.reducecreditdebt.info/how-to-get-out-of-credit-card-debt-with-out-filing-for-bankruptcynor-do-i-wish-to-use-debt-counseling/#comments</comments>
		<pubDate>Thu, 14 May 2009 16:49:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Debt]]></category>
		<category><![CDATA[Current]]></category>
		<category><![CDATA[Debt Counceling]]></category>
		<category><![CDATA[Debt Counseling]]></category>
		<category><![CDATA[Face]]></category>
		<category><![CDATA[Family Meeting]]></category>
		<category><![CDATA[Filing Bankruptcy]]></category>
		<category><![CDATA[Filing For Bankruptcy]]></category>
		<category><![CDATA[How To Get Out Of Credit Card Debt]]></category>
		<category><![CDATA[Settelment]]></category>
		<category><![CDATA[Xmas]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[I have 4 credit cards that I have been paying (it seems forever) I am currently on a debt counceling progam. I&#8221;m current. The problem that I am now face with is a reduced income. I am retired. My 401K took a big hit. I will no longer be able to pay the 3.00 monthly [...]


Related posts:<ol><li><a href='http://www.reducecreditdebt.info/i-have-a-huge-debt-of-24400-if-i-was-to-get-a-loan-to-pay-it-all-instead-of-filing-for-bankruptcy/' rel='bookmark' title='Permanent Link: I have a huge debt of 24,400 if i was to get a loan to pay it all instead of filing for bankruptcy.?'>I have a huge debt of 24,400 if i was to get a loan to pay it all instead of filing for bankruptcy.?</a> <small>I have a huge debt of 24,400 if i was...</small></li></ol>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Please help: Could credit card debt counseling and debt consolidation be helpful to me and my situation?</title>
		<link>http://www.reducecreditdebt.info/please-help-could-credit-card-debt-counseling-and-debt-consolidation-be-helpful-to-me-and-my-situation/</link>
		<comments>http://www.reducecreditdebt.info/please-help-could-credit-card-debt-counseling-and-debt-consolidation-be-helpful-to-me-and-my-situation/#comments</comments>
		<pubDate>Fri, 08 May 2009 16:53:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Debts]]></category>
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		<category><![CDATA[Aprs]]></category>
		<category><![CDATA[Card Debt Consolidation]]></category>
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		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Card Debt Consolidation]]></category>
		<category><![CDATA[Credit Consolidation]]></category>
		<category><![CDATA[Credit Counseling]]></category>
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		<category><![CDATA[Debt Consolidation Companies]]></category>
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		<description><![CDATA[I have about ,000 of credit card debt on four different cards with APRs ranging from about 11 to 14%. I am not working now but have a job overseas waiting for me starting some time in March. Could one of these credit card debt consolidation companies be useful for me? I&#39;ve seen the advertisements [...]


Related posts:<ol><li><a href='http://www.reducecreditdebt.info/how-to-stop-credit-card-debt-before-it-even-happens/' rel='bookmark' title='Permanent Link: How to stop credit card debt before it even happens'>How to stop credit card debt before it even happens</a> <small>Debts can gift you sleepless nights make you irritable and...</small></li><li><a href='http://www.reducecreditdebt.info/should-i-take-out-a-loan-to-reduce-credit-card-debt-2/' rel='bookmark' title='Permanent Link: Should I take out a loan to reduce credit card debt?'>Should I take out a loan to reduce credit card debt?</a> <small>I have about 10K in credit card debt. I have...</small></li></ol>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Has anyone had a good experience with debt consolidation/credit counseling?</title>
		<link>http://www.reducecreditdebt.info/has-anyone-had-a-good-experience-with-debt-consolidationcredit-counseling/</link>
		<comments>http://www.reducecreditdebt.info/has-anyone-had-a-good-experience-with-debt-consolidationcredit-counseling/#comments</comments>
		<pubDate>Sat, 18 Apr 2009 08:39:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Consolidation Credit Counseling]]></category>
		<category><![CDATA[Consolidation Loan]]></category>
		<category><![CDATA[Debt Consolidation Credit]]></category>
		<category><![CDATA[Debt Consolidation Credit Counseling]]></category>
		<category><![CDATA[Debt Counseling]]></category>
		<category><![CDATA[Good Experience]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[I am not referring to a consolidation loan, I am refer to the services that take your bills and lump them into one monthly sum. If you have had a good experience, which company did you use? Read more here Related posts:Debt Consolidation Helps to Improve your Bad Credit Editor’s note: Sidney Terrell is a [...]


Related posts:<ol><li><a href='http://www.reducecreditdebt.info/debt-consolidation-helps-to-improve-your-bad-credit/' rel='bookmark' title='Permanent Link: Debt Consolidation Helps to Improve your Bad Credit'>Debt Consolidation Helps to Improve your Bad Credit</a> <small>Editor’s note: Sidney Terrell is a regular contributor of Oak...</small></li><li><a href='http://www.reducecreditdebt.info/private-student-loan-consolidation-%e2%80%93-a-guideline-for-attaining-the-best-deals/' rel='bookmark' title='Permanent Link: Private Student Loan Consolidation – A Guideline for Attaining the Best Deals'>Private Student Loan Consolidation – A Guideline for Attaining the Best Deals</a> <small>Educational loans have come up as the best option for...</small></li></ol>]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation and Debt Counseling?</title>
		<link>http://www.reducecreditdebt.info/debt-consolidation-and-debt-counseling/</link>
		<comments>http://www.reducecreditdebt.info/debt-consolidation-and-debt-counseling/#comments</comments>
		<pubDate>Thu, 16 Apr 2009 05:52:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Debt Relief]]></category>
		<category><![CDATA[Business Credit]]></category>
		<category><![CDATA[Consolidation Debt]]></category>
		<category><![CDATA[Credit Card Account]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Collections]]></category>
		<category><![CDATA[Credit Counselor]]></category>
		<category><![CDATA[Credit Debt]]></category>
		<category><![CDATA[Credit Help]]></category>
		<category><![CDATA[Debt Collections]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[Debt Counseling]]></category>
		<category><![CDATA[Debt Help]]></category>
		<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[Debt Situation]]></category>

		<guid isPermaLink="false">http://www.reducecreditdebt.info/debt-consolidation-and-debt-counseling.html</guid>
		<description><![CDATA[I have some bills that need payed off and I have one credit card. My question is if I go or contact a Credit counselor or Debt help business(Careone credit,debt relief agency) will they freeze my credit card account or put it on hold? My debt situation is not bad, but I&#39;ve heard that if [...]


No related posts.]]></description>
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		<slash:comments>3</slash:comments>
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