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	<title>Practical Debt Help</title>
	<link>http://practicaldebthelp.com</link>
	<description>Debt Help information that takes you from theory to action</description>
	<pubDate>Fri, 18 Jun 2010 02:44:43 +0000</pubDate>
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		<title>Should You Use A Credit Counselor / Debt Counselor?</title>
		<link>http://practicaldebthelp.com/debt-counseling/should-you-use-a-credit-counselor-debt-counselor/</link>
		<comments>http://practicaldebthelp.com/debt-counseling/should-you-use-a-credit-counselor-debt-counselor/#comments</comments>
		<pubDate>Mon, 22 Jan 2007 12:48:40 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Debt Counseling]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/debt-counseling/should-you-use-a-credit-counselor-debt-counselor/</guid>
		<description><![CDATA[ 

Â 
Let me start with a caution: if you are somehow managing to keep your credit record clean despite a worsening debt situation, then going to a Credit Counselor (same thing as a Debt Counselor) can have a serious downside. Some creditors will welcome the involvement of a Credit Counselor because it signifies that you [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/debt-counseling/should-you-use-a-credit-counselor-debt-counselor/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Bankruptcy</title>
		<link>http://practicaldebthelp.com/bankruptcy/bankruptcy/</link>
		<comments>http://practicaldebthelp.com/bankruptcy/bankruptcy/#comments</comments>
		<pubDate>Sun, 24 Dec 2006 11:30:18 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/bankruptcy/bankruptcy/</guid>
		<description><![CDATA[ 

While the whole world of debt help is a mystery to most people who are experiencing debt problems, bankruptcy is probably the most misunderstood option - especially since the rules change in the US in 2005.
This section is intended to include pages covering the topic of bankruptcy from (initially) a very basic, to a [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/bankruptcy/bankruptcy/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Bankruptcy - Just the Basics</title>
		<link>http://practicaldebthelp.com/bankruptcy/bankruptcy-just-the-basics/</link>
		<comments>http://practicaldebthelp.com/bankruptcy/bankruptcy-just-the-basics/#comments</comments>
		<pubDate>Sun, 24 Dec 2006 11:17:13 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/bankruptcy/bankruptcy-just-the-basics/</guid>
		<description><![CDATA[ 

Â 
Note: I am not a lawyer, I do not play one on television, and I didn&#8217;t stay in a Holiday Inn Express last night. What follows is NOT legal advice; for that, you should consult a lawyer.
Bankruptcy - The Last Resort
From a US perspective of bankruptcy, the first thing to realize is that while [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/bankruptcy/bankruptcy-just-the-basics/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Debt Relief</title>
		<link>http://practicaldebthelp.com/debt-relief/debt-relief/</link>
		<comments>http://practicaldebthelp.com/debt-relief/debt-relief/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 12:29:10 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/debt-relief/debt-relief/</guid>
		<description><![CDATA[ Â 

Debt reliefÂ is oftenÂ a catch-all term for finding a way of getting out of debt. As such it provides a useful role in terms of debt-help - there are some very specific issues associated with the debt help picture that do not come under the headings of the other categories - for example, a discussion [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/debt-relief/debt-relief/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Debt Management</title>
		<link>http://practicaldebthelp.com/debt-management/debt-management/</link>
		<comments>http://practicaldebthelp.com/debt-management/debt-management/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 12:20:19 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Debt Management]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/debt-management/debt-management/</guid>
		<description><![CDATA[ 
Debt Management is where the theory of debt help moves into practical applications. Debt management can be a descriptive term for a host of activities, but it can also be used very precisely in the form of a Debt Management Plan, or DMP - a very formal and nationally-recognized outcome of some Debt Counseling.
Inevitably, [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/debt-management/debt-management/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Debt Counseling</title>
		<link>http://practicaldebthelp.com/debt-counseling/debt-counseling-2/</link>
		<comments>http://practicaldebthelp.com/debt-counseling/debt-counseling-2/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 12:10:06 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Debt Counseling]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/debt-counseling/debt-counseling-2/</guid>
		<description><![CDATA[ Debt Counseling from a reputable organization or individual can be extremely valuable.
While self-help is still the logical place to start in terms of getting out of debt, reality is that there are some very specific skills and know-how that can make a great different to the debt help efforts, and a Counselor knows these [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/debt-counseling/debt-counseling-2/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Debt Consolidation</title>
		<link>http://practicaldebthelp.com/debt-consolidation/debt-consolidation/</link>
		<comments>http://practicaldebthelp.com/debt-consolidation/debt-consolidation/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 11:48:02 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Debt Consolidation]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/debt-consolidation/debt-consolidation/</guid>
		<description><![CDATA[ Â 
Debt Consolidation seems to be the most-discussed, most-wanted path to getting out of debt. And, it can be a very valuable form of debt help. But &#8220;Debt Consolidator&#8221; can also be taken as a dirty word by some, and in this category and elsewhere you&#8217;ll find a number of cautions that you should exercise [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/debt-consolidation/debt-consolidation/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Debt Help</title>
		<link>http://practicaldebthelp.com/debt-help/debt-help/</link>
		<comments>http://practicaldebthelp.com/debt-help/debt-help/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 11:37:15 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Debt Help]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/debt-help/debt-help/</guid>
		<description><![CDATA[ Debt Help is a very broad category - the essential focus is obvious but there are variety of different elements associated with the topic, each of which has the potential to justify a website purely on that topic.
Most of the articles in this category each discussÂ the range of options available to someone wanting to [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/debt-help/debt-help/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Debt Relief - Debt Settlement vs Mortgage Refinance</title>
		<link>http://practicaldebthelp.com/debt-relief/debt-relief-debt-settlement-vs-mortgage-refinance/</link>
		<comments>http://practicaldebthelp.com/debt-relief/debt-relief-debt-settlement-vs-mortgage-refinance/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 09:22:05 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Debt Relief]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/debt-relief/debt-relief-debt-settlement-vs-mortgage-refinance/</guid>
		<description><![CDATA[ Note from Webmaster: I have personally written theÂ majority of articles on this site, but there are some 3rd party articles associated with debt help and debt relief that are simply too good to ignore - well written, by someone who clearly knows his stuff.
What follows is one of them, with some commentary added.
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;
How do [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/debt-relief/debt-relief-debt-settlement-vs-mortgage-refinance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Selecting the Right Debt Management Company</title>
		<link>http://practicaldebthelp.com/debt-management/selecting-the-right-debt-management-company/</link>
		<comments>http://practicaldebthelp.com/debt-management/selecting-the-right-debt-management-company/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 07:09:23 +0000</pubDate>
		<dc:creator>stevej</dc:creator>
		
		<category><![CDATA[Debt Management]]></category>

		<guid isPermaLink="false">http://practicaldebthelp.com/debt-management/selecting-the-right-debt-management-company/</guid>
		<description><![CDATA[ Many people mistakenly assume that debt management companies and credit counseling programs are synonymous. They&#8217;re not. Although both do offer financial advice, a debt management company, unlike credit counseling, may allow or require a client to deposit a certain amount of money in a given account every month (according to a debt management plan, [...]]]></description>
		<wfw:commentRss>http://practicaldebthelp.com/debt-management/selecting-the-right-debt-management-company/feed/</wfw:commentRss>
		</item>
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