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	<title>Debt Management Blog by STARTOVERTODAY.COM</title>
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	<link>http://www.startovertoday.com/debt-management-blog</link>
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	<pubDate>Fri, 03 Apr 2009 22:58:54 +0000</pubDate>
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		<title>Has the American Dream fallen victim to the “Debt Trap?”</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=77</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=77#comments</comments>
		<pubDate>Fri, 03 Apr 2009 22:58:54 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Credit]]></category>

		<category><![CDATA[Collection Practices]]></category>

		<category><![CDATA[credit advice]]></category>

		<category><![CDATA[Credit Crisis]]></category>

		<category><![CDATA[Debt]]></category>

		<category><![CDATA[Economy]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=77</guid>
		<description><![CDATA[Dateline NBC and Special Correspondent Chris Hansen recently did a special investigation entitled “Debt Trap.”  They gave the spotlight to several American families would had indeed fallen victim to the all too common pitfalls of consumer debt.  For many, consumer debt has become a burden that can no longer be managed in an [...]]]></description>
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		<title>10 Things that will Affect your Credit Score</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=75</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=75#comments</comments>
		<pubDate>Wed, 01 Apr 2009 21:40:39 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Credit]]></category>

		<category><![CDATA[credit advice]]></category>

		<category><![CDATA[credit help]]></category>

		<category><![CDATA[Credit Score]]></category>

		<category><![CDATA[debt settlement]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=75</guid>
		<description><![CDATA[Your credit score is like a financial report card, and like a report card you are usually not the only one to see it. Applying for loans, mortgages, bank accounts, and new cars loans all require a credit check. You may think that by paying your bills on time means you will have a good [...]]]></description>
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		<item>
		<title>How to Quickly Pay Down Credit Card Debts</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=73</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=73#comments</comments>
		<pubDate>Wed, 18 Feb 2009 23:29:22 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Credit]]></category>

		<category><![CDATA[Debt Management]]></category>

		<category><![CDATA[credit card debt]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[creditors]]></category>

		<category><![CDATA[debt settlement]]></category>

		<category><![CDATA[pay down debt]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=73</guid>
		<description><![CDATA[Credit card debt can be intimidating when you get all of your statements, but it does not have to be. There are several ways to both cut your spending and reduce your debt, without feeling overwhelmed. To help the readers of our blog we have compiled this list of simple and easy ways to reduce [...]]]></description>
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		<title>Home Loan Modification Do’s and Don’ts</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=71</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=71#comments</comments>
		<pubDate>Thu, 29 Jan 2009 18:21:18 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Loan Modification]]></category>

		<category><![CDATA[Department of Real Estate (DRE)]]></category>

		<category><![CDATA[foreclosure alternatives]]></category>

		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=71</guid>
		<description><![CDATA[As the American Economy continues to slide deeper into the “Red,” you have all surely noticed the number of companies claiming to offer “Home Loan Modification” services.  Companies claiming to offer these types of services have seemingly been popping up on every street corner over the last 6 to 12 months!  Advertising to [...]]]></description>
		<wfw:commentRss>http://www.startovertoday.com/debt-management-blog/?feed=rss2&amp;p=71</wfw:commentRss>
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		<item>
		<title>California Makes History by Holding Tax Refund For The First Time Ever!</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=69</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=69#comments</comments>
		<pubDate>Wed, 28 Jan 2009 22:50:21 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Finance News]]></category>

		<category><![CDATA[California]]></category>

		<category><![CDATA[Financial]]></category>

		<category><![CDATA[Money]]></category>

		<category><![CDATA[Tax Refund]]></category>

		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=69</guid>
		<description><![CDATA[ABC News just posted a blog titled “Tax Refunds Now on Hold in California” which definitely caught my eye.  We all know that the American economy has been suffering as of late, and those of us who reside in the state of California have been feeling the squeeze for quite some time.   [...]]]></description>
		<wfw:commentRss>http://www.startovertoday.com/debt-management-blog/?feed=rss2&amp;p=69</wfw:commentRss>
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		<title>Top 10 Causes of Unsecured Debt</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=67</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=67#comments</comments>
		<pubDate>Wed, 28 Jan 2009 18:51:45 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Debt Management]]></category>

		<category><![CDATA[credit card debt]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[debt consolidation]]></category>

		<category><![CDATA[Debt Help]]></category>

		<category><![CDATA[Unsecured Debt]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=67</guid>
		<description><![CDATA[Unsecured debt is pretty much exactly what its name implies, debt without the safety net of having collateral tied to it. That said, unsecured debt does not necessarily mean “bad” debt. The majority of adult Americans use unsecured debt in their daily lives, often to their benefit.

1. Student Loans
Although you may be thinking, &#8220;student loans [...]]]></description>
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		<item>
		<title>American’s Will Talk about Sex Before Credit Card Debt?</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=65</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=65#comments</comments>
		<pubDate>Wed, 28 Jan 2009 18:12:35 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Debt Management]]></category>

		<category><![CDATA[credit card debt]]></category>

		<category><![CDATA[Debt Help]]></category>

		<category><![CDATA[debt relief]]></category>

		<category><![CDATA[Sex]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=65</guid>
		<description><![CDATA[I recently ran across a great article titled “The Last Taboo: Americans Will Talk about Sex Before Credit Card Debt,” and the title definitely sparked my interest.  Having worked with thousands of Americans over the last several years regarding their credit card debt, we definitely know the challenges, and sensitivities that come with the [...]]]></description>
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		<title>Top 10 Consumer Debt Collection Rights</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=61</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=61#comments</comments>
		<pubDate>Fri, 16 Jan 2009 00:33:37 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Debt Management]]></category>

		<category><![CDATA[Collection Agencies]]></category>

		<category><![CDATA[Collection Practices]]></category>

		<category><![CDATA[collections]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[debt collectors]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=61</guid>
		<description><![CDATA[It is a common misconception that debt collectors can “get away with anything” in their attempt to collect unpaid debts. This is incorrect. Consumers actually have a specific set of rights when it comes to collection activities, and to help educate our readers we have compiled the following list of the top 10 rights.
1. Call [...]]]></description>
		<wfw:commentRss>http://www.startovertoday.com/debt-management-blog/?feed=rss2&amp;p=61</wfw:commentRss>
		</item>
		<item>
		<title>U.S. Aims to Rein In Credit-Card Rates</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=59</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=59#comments</comments>
		<pubDate>Tue, 23 Dec 2008 00:54:51 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Finance News]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[united states]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=59</guid>
		<description><![CDATA[From Wall Street Journal.com:
U.S. federal regulators are poised to adopt tough restrictions to make it harder for credit-card companies to raise interest rates on millions of existing customers, reversing decades of light regulation of the industry.
The new standards, expected to be issued Thursday, would represent the biggest changes to the industry in a generation and [...]]]></description>
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		<item>
		<title>How to Stop Harassing Calls from Collectors</title>
		<link>http://www.startovertoday.com/debt-management-blog/?p=57</link>
		<comments>http://www.startovertoday.com/debt-management-blog/?p=57#comments</comments>
		<pubDate>Tue, 23 Dec 2008 00:44:44 +0000</pubDate>
		<dc:creator>SOT Team</dc:creator>
		
		<category><![CDATA[Debt Management]]></category>

		<category><![CDATA[collections]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[debt collectors]]></category>

		<category><![CDATA[harassment]]></category>

		<guid isPermaLink="false">http://www.startovertoday.com/debt-management-blog/?p=57</guid>
		<description><![CDATA[Destroy Debt has posted an interesting blog entry with advice on how to stop harassing calls from debt or credit card collectors. Below is a quote from the article, but you can read the full text at Debt Collections: Stop the Phone Calls.
There is nothing worse than receiving a phone call from a collections department [...]]]></description>
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