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	<title>HoffmanBrinker.com/blog &#187; Answers To FAQ</title>
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	<description>Articles, Editorials &#38; Expert Opinions: Credit Card Debt, Collections, Settlement, Etc.</description>
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		<title>Bankruptcy vs Settlement &#8211; Which is better?</title>
		<link>http://www.hoffmanbrinker.com/blog/bankruptcy-vs-settlement.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/bankruptcy-vs-settlement.html#comments</comments>
		<pubDate>Tue, 25 Jan 2011 22:57:42 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>

		<guid isPermaLink="false">http://www.hoffmanbrinker.com/blog/?p=392</guid>
		<description><![CDATA[There are several things to consider when you are trying to decide between bankruptcy vs. settlement. The first of which is whether your debt is secured or unsecured. Unsecured Debt Unsecured debt is money owed for medical bills, department store credit cards and regular credit cards. They&#8217;re not secured by an underlying asset or security. [...]]]></description>
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		<title>Telemarketing Sales Rule (TSR) To Regulate Debt Settlement Companies</title>
		<link>http://www.hoffmanbrinker.com/blog/telemarketing-sales-rule-tsr-debt-settlement.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/telemarketing-sales-rule-tsr-debt-settlement.html#comments</comments>
		<pubDate>Mon, 25 Oct 2010 20:25:14 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>
		<category><![CDATA[credit card debt settlement]]></category>
		<category><![CDATA[debt settlement companies]]></category>
		<category><![CDATA[Telemarketing Sale Rule]]></category>
		<category><![CDATA[tsr]]></category>

		<guid isPermaLink="false">http://www.hoffmanbrinker.com/?p=356</guid>
		<description><![CDATA[On Oct. 27, 2010, a new law called the Telemarketing Sales Rule (TSR) becomes active. This rule is designed to keep debt settlement companies from charging exorbitant upfront fees for their services. In addition, this rule will make debt settlement companies wait until a debt has actually been settled before they can collect their fees. [...]]]></description>
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		<title>Credit Repair After The Credit Card Debt Settlement Process Is Complete</title>
		<link>http://www.hoffmanbrinker.com/blog/credit-repair-after-credit-card-debt-settlement-process.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/credit-repair-after-credit-card-debt-settlement-process.html#comments</comments>
		<pubDate>Thu, 30 Sep 2010 15:34:44 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=337</guid>
		<description><![CDATA[A question that I&#8217;ve gotten over and over is, &#8220;Is there any way to repair my credit after I complete the debt settlement process?&#8221; Actually, there is. However, before proceeding we need to be in agreement on one thing. That is, there is no quick fix to restoring your credit report. If you just settled [...]]]></description>
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		<title>Bankruptcy FAQs</title>
		<link>http://www.hoffmanbrinker.com/blog/bankruptcy-faqs.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/bankruptcy-faqs.html#comments</comments>
		<pubDate>Thu, 24 Sep 2009 22:28:33 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=59</guid>
		<description><![CDATA[No one ever wants to file bankruptcy, that&#8217;s for sure. But if you&#8217;re having financial difficulties you owe it to yourself to educate yourself on the basics of bankruptcy because it might just end up being the best solution for you afterall. Today I ran across an excellent resource that answers virtually any question you would want answered [...]]]></description>
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		<title>Cross-Collaterization: Yes, They Really Can Take Your Money</title>
		<link>http://www.hoffmanbrinker.com/blog/cross-collateralization.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/cross-collateralization.html#comments</comments>
		<pubDate>Thu, 06 Aug 2009 19:19:16 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=34</guid>
		<description><![CDATA[Yesterday I got a call from someone saying that his credit card company just went into his checking account and cleaned him out. They took his money and gave no advance warning. He was flabbergasted and wanted to know if this was legal. As much as I hate to say it, the answer is yes. [...]]]></description>
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