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	<title>HoffmanBrinker.com/blog</title>
	<link>http://www.hoffmanbrinker.com/blog</link>
	<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>
		<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>
		<link>http://www.hoffmanbrinker.com/blog/real-time-debt-statistics-usdebtclock.html</link>
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		<title>Coping With The Fear And Shame Of Debt</title>
		<description><![CDATA[I came across a great article yesterday on The Huffington Post about how people are coping with debt. The headline that originally attracted me to this article was, &#8220;The American Dream Is For Sh*t&#8220;, so I just had to check it out. The article focuses primarily on people that got behind on their mortgages, and [...]]]></description>
		<link>http://www.hoffmanbrinker.com/blog/coping-with-the-fear-and-shame-of-debt.html</link>
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		<title>Bankruptcy vs Settlement &#8211; Which is better?</title>
		<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>
		<link>http://www.hoffmanbrinker.com/blog/bankruptcy-vs-settlement.html</link>
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		<title>Telemarketing Sales Rule (TSR) To Regulate Debt Settlement Companies</title>
		<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>
		<link>http://www.hoffmanbrinker.com/blog/telemarketing-sales-rule-tsr-debt-settlement.html</link>
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		<title>Credit Repair After The Credit Card Debt Settlement Process Is Complete</title>
		<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>
		<link>http://www.hoffmanbrinker.com/blog/credit-repair-after-credit-card-debt-settlement-process.html</link>
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