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	<title>Debt Relief Avoid Bankruptcy &#187; bankruptcy</title>
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	<link>http://www.havingbook.com</link>
	<description>Finally a Realistic Way to Get Debt Relief</description>
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		<title>Resolutions 2012: Finding Help with Debt</title>
		<link>http://www.havingbook.com/debt-counseling/resolutions-2012-finding-help-with-debt</link>
		<comments>http://www.havingbook.com/debt-counseling/resolutions-2012-finding-help-with-debt#comments</comments>
		<pubDate>Sat, 14 Jan 2012 23:36:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[Bad Credit]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[middle class]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[news]]></category>
		<category><![CDATA[talks]]></category>

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		<description><![CDATA[Got debt? You can find real help to dig yourself out. addthis_url = 'http%3A%2F%2Fwww.havingbook.com%2Fdebt-counseling%2Fresolutions-2012-finding-help-with-debt'; addthis_title = 'Resolutions+2012%3A+Finding+Help+with+Debt'; addthis_pub = ''; Technorati Tags: Bad Credit, bankruptcy, credit counseling, debt, debt consolidation, debt reduction, middle class, money, news, talks]]></description>
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<p>Got debt? You can find real help to dig yourself out.</p>
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<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/Bad+Credit' rel='tag' target='_blank'>Bad Credit</a>, <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+counseling' rel='tag' target='_blank'>credit counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/debt' rel='tag' target='_blank'>debt</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+consolidation' rel='tag' target='_blank'>debt consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+reduction' rel='tag' target='_blank'>debt reduction</a>, <a class='technorati-link' href='http://technorati.com/tag/middle+class' rel='tag' target='_blank'>middle class</a>, <a class='technorati-link' href='http://technorati.com/tag/money' rel='tag' target='_blank'>money</a>, <a class='technorati-link' href='http://technorati.com/tag/news' rel='tag' target='_blank'>news</a>, <a class='technorati-link' href='http://technorati.com/tag/talks' rel='tag' target='_blank'>talks</a></p>

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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What Is TASC? Is It Important Debt Settlement Firms Be Accredited Members?</title>
		<link>http://www.havingbook.com/debt-counseling/what-is-tasc-is-it-important-debt-settlement-firms-be-accredited-members</link>
		<comments>http://www.havingbook.com/debt-counseling/what-is-tasc-is-it-important-debt-settlement-firms-be-accredited-members#comments</comments>
		<pubDate>Sun, 08 Jan 2012 09:09:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[avoid bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[card]]></category>
		<category><![CDATA[consolidate]]></category>
		<category><![CDATA[consolidate debt]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[consumer credit counseling]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card consolidation]]></category>
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		<category><![CDATA[credit card debt consolidation]]></category>
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		<category><![CDATA[credit card settlement]]></category>
		<category><![CDATA[credit consolidation]]></category>
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		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt settlement]]></category>
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		<category><![CDATA[Reduction]]></category>
		<category><![CDATA[relief]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[tasc]]></category>
		<category><![CDATA[tasc certified]]></category>
		<category><![CDATA[unsecured debt]]></category>
		<category><![CDATA[videos]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/what-is-tasc-is-it-important-debt-settlement-firms-be-accredited-members</guid>
		<description><![CDATA[www.DebtReliefVideos.com This free video series focuses on credit card debt relief using Credit Counseling, Credit Consolidation, or Debt Settlement to achieve debt reduction, consolidate debt, and avoid Bankruptcy. http helps people who are struggling to pay off credit card debt, medical&#8230; addthis_url = 'http%3A%2F%2Fwww.havingbook.com%2Fdebt-counseling%2Fwhat-is-tasc-is-it-important-debt-settlement-firms-be-accredited-members'; addthis_title = 'What+Is+TASC%3F+Is+It+Important+Debt+Settlement+Firms+Be+Accredited+Members%3F'; addthis_pub = ''; Technorati Tags: avoid bankruptcy, bankruptcy, [...]]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/8fJHZRPZA1Y?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/8fJHZRPZA1Y?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></p>
<p>www.DebtReliefVideos.com This free video series focuses on credit card debt relief using Credit Counseling, Credit Consolidation, or Debt Settlement to achieve debt reduction, consolidate debt, and avoid Bankruptcy. http helps people who are struggling to pay off credit card debt, medical&#8230;</p>
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<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/avoid+bankruptcy' rel='tag' target='_blank'>avoid bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/bankruptcy+attorney' rel='tag' target='_blank'>bankruptcy attorney</a>, <a class='technorati-link' href='http://technorati.com/tag/bankruptcy+filing' rel='tag' target='_blank'>bankruptcy filing</a>, <a class='technorati-link' href='http://technorati.com/tag/card' rel='tag' target='_blank'>card</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidate' rel='tag' target='_blank'>consolidate</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidate+debt' rel='tag' target='_blank'>consolidate debt</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidation' rel='tag' target='_blank'>consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/consumer+credit+counseling' rel='tag' target='_blank'>consumer credit counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/counseling' rel='tag' target='_blank'>counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/credit' rel='tag' target='_blank'>credit</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+consolidation' rel='tag' target='_blank'>credit card consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+debt' rel='tag' target='_blank'>credit card debt</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+debt+consolidation' rel='tag' target='_blank'>credit card debt consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+debt+relief' rel='tag' target='_blank'>credit card debt relief</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+settlement' rel='tag' target='_blank'>credit card settlement</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+consolidation' rel='tag' target='_blank'>credit consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+counseling' rel='tag' target='_blank'>credit counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/debt' rel='tag' target='_blank'>debt</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+counseling' rel='tag' target='_blank'>debt counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+reduction' rel='tag' target='_blank'>debt reduction</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+relief' rel='tag' target='_blank'>debt relief</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+settlement' rel='tag' target='_blank'>debt settlement</a>, <a class='technorati-link' href='http://technorati.com/tag/debts' rel='tag' target='_blank'>debts</a>, <a class='technorati-link' href='http://technorati.com/tag/Reduction' rel='tag' target='_blank'>Reduction</a>, <a class='technorati-link' href='http://technorati.com/tag/relief' rel='tag' target='_blank'>relief</a>, <a class='technorati-link' href='http://technorati.com/tag/settlement' rel='tag' target='_blank'>settlement</a>, <a class='technorati-link' href='http://technorati.com/tag/tasc' rel='tag' target='_blank'>tasc</a>, <a class='technorati-link' href='http://technorati.com/tag/tasc+certified' rel='tag' target='_blank'>tasc certified</a>, <a class='technorati-link' href='http://technorati.com/tag/unsecured+debt' rel='tag' target='_blank'>unsecured debt</a>, <a class='technorati-link' href='http://technorati.com/tag/videos' rel='tag' target='_blank'>videos</a></p>

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		</item>
		<item>
		<title>Will Using Debt Settlement for Debt Relief Affect My Credit Score?</title>
		<link>http://www.havingbook.com/debt-counseling/will-using-debt-settlement-for-debt-relief-affect-my-credit-score-2</link>
		<comments>http://www.havingbook.com/debt-counseling/will-using-debt-settlement-for-debt-relief-affect-my-credit-score-2#comments</comments>
		<pubDate>Mon, 02 Jan 2012 09:09:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[avoid bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy filing]]></category>
		<category><![CDATA[card]]></category>
		<category><![CDATA[consolidate]]></category>
		<category><![CDATA[consolidate debt]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[consumer credit counseling]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card consolidation]]></category>
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		<category><![CDATA[credit card debt consolidation]]></category>
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		<category><![CDATA[credit consolidation]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[Reduction]]></category>
		<category><![CDATA[relief]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[tasc]]></category>
		<category><![CDATA[tasc certified]]></category>
		<category><![CDATA[unsecured debt]]></category>
		<category><![CDATA[videos]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/will-using-debt-settlement-for-debt-relief-affect-my-credit-score-2</guid>
		<description><![CDATA[www.DebtReliefVideos.com This free video series focuses on credit card debt relief using Credit Counseling, Credit Consolidation, or Debt Settlement to achieve debt reduction, consolidate debt, and avoid bankruptcy. http helps people who are struggling to pay off credit card debt, medical&#8230; addthis_url = 'http%3A%2F%2Fwww.havingbook.com%2Fdebt-counseling%2Fwill-using-debt-settlement-for-debt-relief-affect-my-credit-score-2'; addthis_title = 'Will+Using+Debt+Settlement+for+Debt+Relief+Affect+My+Credit+Score%3F'; addthis_pub = ''; Technorati Tags: avoid bankruptcy, bankruptcy, [...]]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/QIJO2T0QU_g?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/QIJO2T0QU_g?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></p>
<p>www.DebtReliefVideos.com This free video series focuses on credit card debt relief using Credit Counseling, Credit Consolidation, or Debt Settlement to achieve debt reduction, consolidate debt, and avoid bankruptcy. http helps people who are struggling to pay off credit card debt, medical&#8230;</p>
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<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/avoid+bankruptcy' rel='tag' target='_blank'>avoid bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/bankruptcy+attorney' rel='tag' target='_blank'>bankruptcy attorney</a>, <a class='technorati-link' href='http://technorati.com/tag/bankruptcy+filing' rel='tag' target='_blank'>bankruptcy filing</a>, <a class='technorati-link' href='http://technorati.com/tag/card' rel='tag' target='_blank'>card</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidate' rel='tag' target='_blank'>consolidate</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidate+debt' rel='tag' target='_blank'>consolidate debt</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidation' rel='tag' target='_blank'>consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/consumer+credit+counseling' rel='tag' target='_blank'>consumer credit counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/counseling' rel='tag' target='_blank'>counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/credit' rel='tag' target='_blank'>credit</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+consolidation' rel='tag' target='_blank'>credit card consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+debt' rel='tag' target='_blank'>credit card debt</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+debt+consolidation' rel='tag' target='_blank'>credit card debt consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+debt+relief' rel='tag' target='_blank'>credit card debt relief</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+settlement' rel='tag' target='_blank'>credit card settlement</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+consolidation' rel='tag' target='_blank'>credit consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+counseling' rel='tag' target='_blank'>credit counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/debt' rel='tag' target='_blank'>debt</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+counseling' rel='tag' target='_blank'>debt counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+reduction' rel='tag' target='_blank'>debt reduction</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+relief' rel='tag' target='_blank'>debt relief</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+settlement' rel='tag' target='_blank'>debt settlement</a>, <a class='technorati-link' href='http://technorati.com/tag/debts' rel='tag' target='_blank'>debts</a>, <a class='technorati-link' href='http://technorati.com/tag/Reduction' rel='tag' target='_blank'>Reduction</a>, <a class='technorati-link' href='http://technorati.com/tag/relief' rel='tag' target='_blank'>relief</a>, <a class='technorati-link' href='http://technorati.com/tag/settlement' rel='tag' target='_blank'>settlement</a>, <a class='technorati-link' href='http://technorati.com/tag/tasc' rel='tag' target='_blank'>tasc</a>, <a class='technorati-link' href='http://technorati.com/tag/tasc+certified' rel='tag' target='_blank'>tasc certified</a>, <a class='technorati-link' href='http://technorati.com/tag/unsecured+debt' rel='tag' target='_blank'>unsecured debt</a>, <a class='technorati-link' href='http://technorati.com/tag/videos' rel='tag' target='_blank'>videos</a></p>

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		</item>
		<item>
		<title>Debt Settlement vs Credit Counseling</title>
		<link>http://www.havingbook.com/debt-counseling/debt-settlement-vs-credit-counseling-3</link>
		<comments>http://www.havingbook.com/debt-counseling/debt-settlement-vs-credit-counseling-3#comments</comments>
		<pubDate>Wed, 23 Nov 2011 11:31:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[Help]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[settlement]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/debt-settlement-vs-credit-counseling-3</guid>
		<description><![CDATA[There is a difference between Debt Settlement and Credit Counseling that is important for you to know. Check out this short clip to be sure that you are making the right decisions when trying to get out of debt! addthis_url = 'http%3A%2F%2Fwww.havingbook.com%2Fdebt-counseling%2Fdebt-settlement-vs-credit-counseling-3'; addthis_title = 'Debt+Settlement+vs+Credit+Counseling'; addthis_pub = ''; Technorati Tags: bankruptcy, counseling, credit, credit card, [...]]]></description>
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<p>There is a difference between Debt Settlement and Credit Counseling that is important for you to know. Check out this short clip to be sure that you are making the right decisions when trying to get out of debt!</p>
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<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/counseling' rel='tag' target='_blank'>counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/credit' rel='tag' target='_blank'>credit</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card' rel='tag' target='_blank'>credit card</a>, <a class='technorati-link' href='http://technorati.com/tag/debt' rel='tag' target='_blank'>debt</a>, <a class='technorati-link' href='http://technorati.com/tag/finance' rel='tag' target='_blank'>finance</a>, <a class='technorati-link' href='http://technorati.com/tag/financial' rel='tag' target='_blank'>financial</a>, <a class='technorati-link' href='http://technorati.com/tag/Help' rel='tag' target='_blank'>Help</a>, <a class='technorati-link' href='http://technorati.com/tag/money' rel='tag' target='_blank'>money</a>, <a class='technorati-link' href='http://technorati.com/tag/settlement' rel='tag' target='_blank'>settlement</a></p>

<!-- end wp-tags-to-technorati -->
]]></content:encoded>
			<wfw:commentRss>http://www.havingbook.com/debt-counseling/debt-settlement-vs-credit-counseling-3/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Counseling &amp; Debt Management : How to Save Money When You are Broke</title>
		<link>http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-how-to-save-money-when-you-are-broke</link>
		<comments>http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-how-to-save-money-when-you-are-broke#comments</comments>
		<pubDate>Sat, 05 Nov 2011 04:29:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-how-to-save-money-when-you-are-broke</guid>
		<description><![CDATA[Save money when you are broke by increasing your income with a second job, taking a close look at expenses and cutting out unnecessary spending. Consult a non-profit credit counseling agency for help with saving money using tips from a financial service specialist in this free video on saving money. Expert: William Rae Contact: www.hbwfl.com [...]]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/eEIFhq737ao?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/eEIFhq737ao?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></p>
<p>Save money when you are broke by increasing your income with a second job, taking a close look at expenses and cutting out unnecessary spending. Consult a non-profit credit counseling agency for help with saving money using tips from a financial service specialist in this free video on saving money. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz</p>
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<!-- start wp-tags-to-technorati 1.02 -->

<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/cards' rel='tag' target='_blank'>cards</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidation' rel='tag' target='_blank'>consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/counseling' rel='tag' target='_blank'>counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/credit' rel='tag' target='_blank'>credit</a>, <a class='technorati-link' href='http://technorati.com/tag/debt' rel='tag' target='_blank'>debt</a>, <a class='technorati-link' href='http://technorati.com/tag/loans' rel='tag' target='_blank'>loans</a>, <a class='technorati-link' href='http://technorati.com/tag/management' rel='tag' target='_blank'>management</a>, <a class='technorati-link' href='http://technorati.com/tag/money' rel='tag' target='_blank'>money</a></p>

<!-- end wp-tags-to-technorati -->
]]></content:encoded>
			<wfw:commentRss>http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-how-to-save-money-when-you-are-broke/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Counseling &amp; Debt Management : Creative Ways to Lower Monthly Bills</title>
		<link>http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-creative-ways-to-lower-monthly-bills-2</link>
		<comments>http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-creative-ways-to-lower-monthly-bills-2#comments</comments>
		<pubDate>Sun, 30 Oct 2011 11:32:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-creative-ways-to-lower-monthly-bills-2</guid>
		<description><![CDATA[Creative ways to lower monthly bills include creating a monthly budget, cutting out minor expenses, getting rid of unnecessary services and renegotiating debts. Get debt refinancing terms in writing before making any payments with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has [...]]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/V6uBWHLsxWc?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/V6uBWHLsxWc?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></p>
<p>Creative ways to lower monthly bills include creating a monthly budget, cutting out minor expenses, getting rid of unnecessary services and renegotiating debts. Get debt refinancing terms in writing before making any payments with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz</p>
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<!-- start wp-tags-to-technorati 1.02 -->

<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/cards' rel='tag' target='_blank'>cards</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidation' rel='tag' target='_blank'>consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/counseling' rel='tag' target='_blank'>counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/credit' rel='tag' target='_blank'>credit</a>, <a class='technorati-link' href='http://technorati.com/tag/debt' rel='tag' target='_blank'>debt</a>, <a class='technorati-link' href='http://technorati.com/tag/loans' rel='tag' target='_blank'>loans</a>, <a class='technorati-link' href='http://technorati.com/tag/management' rel='tag' target='_blank'>management</a>, <a class='technorati-link' href='http://technorati.com/tag/money' rel='tag' target='_blank'>money</a></p>

<!-- end wp-tags-to-technorati -->
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Counseling &amp; Debt Management : What Is a Certified Credit Executive?</title>
		<link>http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-what-is-a-certified-credit-executive-2</link>
		<comments>http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-what-is-a-certified-credit-executive-2#comments</comments>
		<pubDate>Mon, 10 Oct 2011 09:12:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/credit-counseling-debt-management-what-is-a-certified-credit-executive-2</guid>
		<description><![CDATA[A certified credit executive is an individual who has taken classes on how credit works and how to give options to people with credit problems. Make sure a credit executive is certified and not working for profit with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com [...]]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/JNQWsDKggvM?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/JNQWsDKggvM?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></p>
<p>A certified credit executive is an individual who has taken classes on how credit works and how to give options to people with credit problems. Make sure a credit executive is certified and not working for profit with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz</p>
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<!-- start wp-tags-to-technorati 1.02 -->

<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/cards' rel='tag' target='_blank'>cards</a>, <a class='technorati-link' href='http://technorati.com/tag/consolidation' rel='tag' target='_blank'>consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/counseling' rel='tag' target='_blank'>counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/credit' rel='tag' target='_blank'>credit</a>, <a class='technorati-link' href='http://technorati.com/tag/debt' rel='tag' target='_blank'>debt</a>, <a class='technorati-link' href='http://technorati.com/tag/loans' rel='tag' target='_blank'>loans</a>, <a class='technorati-link' href='http://technorati.com/tag/management' rel='tag' target='_blank'>management</a>, <a class='technorati-link' href='http://technorati.com/tag/money' rel='tag' target='_blank'>money</a></p>

<!-- end wp-tags-to-technorati -->
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Settlement: Your Alternative To Bankruptcy, Credit Counseling or Debt Consolidation</title>
		<link>http://www.havingbook.com/debt-counseling/debt-settlement-your-alternative-to-bankruptcy-credit-counseling-or-debt-consolidation-2</link>
		<comments>http://www.havingbook.com/debt-counseling/debt-settlement-your-alternative-to-bankruptcy-credit-counseling-or-debt-consolidation-2#comments</comments>
		<pubDate>Tue, 04 Oct 2011 09:09:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[avoid bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit card debt relief]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[debt consolidation loan]]></category>
		<category><![CDATA[debt settlement]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/debt-settlement-your-alternative-to-bankruptcy-credit-counseling-or-debt-consolidation-2</guid>
		<description><![CDATA[www.DebtmericaFreedom.com Debt Settlement video series focuses on credit card debt relief using Debt Settlement as an alternative to Bankruptcy, Credit Counseling, or Debt Consolidation Loans to achieve debt reduction up to 60% and still consolidate your debt into one low monthly program&#8230; addthis_url = 'http%3A%2F%2Fwww.havingbook.com%2Fdebt-counseling%2Fdebt-settlement-your-alternative-to-bankruptcy-credit-counseling-or-debt-consolidation-2'; addthis_title = 'Debt+Settlement%3A+Your+Alternative+To+Bankruptcy%2C+Credit+Counseling+or+Debt+Consolidation'; addthis_pub = ''; Technorati Tags: avoid bankruptcy, [...]]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/20cFSuCl3M8?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/20cFSuCl3M8?version=3&#038;f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></p>
<p>www.DebtmericaFreedom.com Debt Settlement video series focuses on credit card debt relief using Debt Settlement as an alternative to Bankruptcy, Credit Counseling, or Debt Consolidation Loans to achieve debt reduction up to 60% and still consolidate your debt into one low monthly program&#8230;</p>
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<!-- start wp-tags-to-technorati 1.02 -->

<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/avoid+bankruptcy' rel='tag' target='_blank'>avoid bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card+debt+relief' rel='tag' target='_blank'>credit card debt relief</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+counseling' rel='tag' target='_blank'>credit counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+consolidation+loan' rel='tag' target='_blank'>debt consolidation loan</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+settlement' rel='tag' target='_blank'>debt settlement</a></p>

<!-- end wp-tags-to-technorati -->
]]></content:encoded>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Debt Management Tips : Who Regulates Credit Counselors?</title>
		<link>http://www.havingbook.com/debt-counseling/debt-management-tips-who-regulates-credit-counselors-2</link>
		<comments>http://www.havingbook.com/debt-counseling/debt-management-tips-who-regulates-credit-counselors-2#comments</comments>
		<pubDate>Wed, 14 Sep 2011 06:46:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/debt-management-tips-who-regulates-credit-counselors-2</guid>
		<description><![CDATA[Each state has different regulating standards for credit counselors, but make sure the agency is affiliated with the AICCCA or NFCC. Choose a credit counselor that has a clean report with the better business bureau with insight from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey [...]]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/Jek2nyNhgRA?f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/Jek2nyNhgRA?f=videos&#038;app=youtube_gdata&#038;showsearch=0&#038;rel=0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></p>
<p>Each state has different regulating standards for credit counselors, but make sure the agency is affiliated with the AICCCA or NFCC. Choose a credit counselor that has a clean report with the better business bureau with insight from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey</p>
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<!-- start wp-tags-to-technorati 1.02 -->

<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/bankruptcy' rel='tag' target='_blank'>bankruptcy</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+bureaus' rel='tag' target='_blank'>credit bureaus</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+card' rel='tag' target='_blank'>credit card</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+counseling' rel='tag' target='_blank'>credit counseling</a>, <a class='technorati-link' href='http://technorati.com/tag/credit+report' rel='tag' target='_blank'>credit report</a>, <a class='technorati-link' href='http://technorati.com/tag/debt' rel='tag' target='_blank'>debt</a>, <a class='technorati-link' href='http://technorati.com/tag/debt+consolidation' rel='tag' target='_blank'>debt consolidation</a>, <a class='technorati-link' href='http://technorati.com/tag/loans' rel='tag' target='_blank'>loans</a>, <a class='technorati-link' href='http://technorati.com/tag/money' rel='tag' target='_blank'>money</a></p>

<!-- end wp-tags-to-technorati -->
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Management Tips : Choosing a Credit Counselor</title>
		<link>http://www.havingbook.com/debt-counseling/debt-management-tips-choosing-a-credit-counselor-2</link>
		<comments>http://www.havingbook.com/debt-counseling/debt-management-tips-choosing-a-credit-counselor-2#comments</comments>
		<pubDate>Sun, 11 Sep 2011 06:46:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.havingbook.com/debt-counseling/debt-management-tips-choosing-a-credit-counselor-2</guid>
		<description><![CDATA[When choosing a credit counselor, be wary of agencies that use aggressive tactics and always get written disclosures. Find a credit counseling agency that is a member of the AICCCA with tips from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been [...]]]></description>
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<p>When choosing a credit counselor, be wary of agencies that use aggressive tactics and always get written disclosures. Find a credit counseling agency that is a member of the AICCCA with tips from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey</p>
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