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	<title>HoffmanBrinker.com/blog &#187; Observations</title>
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	<description>Articles, Editorials &#38; Expert Opinions: Credit Card Debt, Collections, Settlement, Etc.</description>
	<lastBuildDate>Fri, 08 Jul 2011 03:45:37 +0000</lastBuildDate>
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		<title>Real Time Debt Statistics &#8211; The U.S. Debt Clock</title>
		<link>http://www.hoffmanbrinker.com/blog/real-time-debt-statistics-usdebtclock.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/real-time-debt-statistics-usdebtclock.html#comments</comments>
		<pubDate>Tue, 22 Feb 2011 15:10:48 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Observations]]></category>

		<guid isPermaLink="false">http://www.hoffmanbrinker.com/blog/?p=430</guid>
		<description><![CDATA[Forget about Facebook, YouTube and Twitter for a moment. Here&#8217;s a fascinating site to check out when you need a 5-10 diversion: www.USDebtClock.org Here are just a few of the statistics it tracks: U.S. National Debt Debt Per Citizen Debt Per Taxpayer Debt Per Family Savings Per Family Total Personal Debt Mortgage Debt Consumer Debt [...]]]></description>
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		<title>Screw Your Credit Card Debt (at least for the next 15 minutes)</title>
		<link>http://www.hoffmanbrinker.com/blog/screw-your-credit-card-debt.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/screw-your-credit-card-debt.html#comments</comments>
		<pubDate>Sat, 07 Aug 2010 03:20:45 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Observations]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=326</guid>
		<description><![CDATA[For the next 15 minutes I want you to take a quick break and watch this video. It has nothing to do with credit card debt, but that&#8217;s precisely the point. Anyway, just trust me, it will be worth it.]]></description>
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		<title>Credit Card Debt Settlement Strategy: Persistence Pays!</title>
		<link>http://www.hoffmanbrinker.com/blog/credit-card-debt-settlement-persistence.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/credit-card-debt-settlement-persistence.html#comments</comments>
		<pubDate>Fri, 09 Jul 2010 16:59:19 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Observations]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=303</guid>
		<description><![CDATA[Here&#8217;s some quick &#8220;news from the field&#8221; from just last week. Last Monday, two of my clients attempted to negotiate a settlement for less than full balance on their respective credit card accounts. Ironically, these 2 accounts were with the same credit card company. But that&#8217;s beside the point and purely coincidental. Anyway, on Monday each [...]]]></description>
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		<title>Jailed For Past Due Credit Card Debt</title>
		<link>http://www.hoffmanbrinker.com/blog/jailed-for-past-due-credit-card-debt.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/jailed-for-past-due-credit-card-debt.html#comments</comments>
		<pubDate>Fri, 18 Jun 2010 01:25:27 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Observations]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=255</guid>
		<description><![CDATA[                  Earlier this week, an article appeared in the Minneapolis-St.Paul Star Tribune describing how some citizens of the state of Minnesota are being sent to jail for having past due credit card debt. As much as I hate to say it, apparently this is really happening. However, [...]]]></description>
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		<title>The New Credit Card Law: No Big Deal</title>
		<link>http://www.hoffmanbrinker.com/blog/the-new-credit-card-law.html</link>
		<comments>http://www.hoffmanbrinker.com/blog/the-new-credit-card-law.html#comments</comments>
		<pubDate>Sat, 06 Mar 2010 04:22:20 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Observations]]></category>
		<category><![CDATA[credit card debt]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=217</guid>
		<description><![CDATA[There&#8217;s been a lot of talk lately about the new credit card law that went into effect on 2-22-10. In case you missed it, here are some of the highlights: Credit card companies are now required by law to disclose how long it will take you to pay off the balance and how much interest [...]]]></description>
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