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   <title>Debt Blog</title>
   <link>http://www.debt-help-and-beyond.com/debt-blog.html</link>
   <description>The Debt Blog keeps you up to date when changes or additions are made at the debt-help-and-beyond.com Web site. Subscribe now.</description>
   <language>en-us</language>
   <category >debt</category>
   <pubDate>Sat, 22 Oct 2011 00:08:41 GMT</pubDate>
   <lastBuildDate>Sat, 22 Oct 2011 00:08:41 GMT</lastBuildDate>
   <copyright>debt-help-and-beyond.com</copyright>
   <item>
    <title>Are Debt Settlement Lawyers Exempt From New Debt Relief Laws?</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-lawyers.html</link>
    <description>Following the enactment of the new debt relief laws, you may be wondering whether debt settlement lawyers have to comply.</description>
    <pubDate>Sat, 22 Oct 2011 00:08:41 GMT</pubDate>
   </item>
   <item>
    <title>A Debt Settlement Fee Payment Example - Don&#39;t Get Taken</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-fee.html</link>
    <description>The way a debt debt settlement fee can be legally collected has changed drastically following new FTC laws. See an example here and learn how to protect yourself.</description>
    <pubDate>Sat, 22 Oct 2011 00:07:30 GMT</pubDate>
   </item>
   <item>
    <title>Debt Negotiation And Settlement - Learn Your Legal Rights And New FTC Laws</title>
    <link>http://www.debt-help-and-beyond.com/debt-negotiation-and-settlement.html</link>
    <description>Learn your rights under the law when it comes to for-profit companies offering debt negotiation and settlement programs.</description>
    <pubDate>Sat, 22 Oct 2011 00:00:47 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Laws And How Some Companies Are Skirting Them</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-laws.html</link>
    <description>Some companies and individuals are evading the new debt settlement laws, but I&#39;ll show you how to arm yourself against them.</description>
    <pubDate>Fri, 21 Oct 2011 23:45:53 GMT</pubDate>
   </item>
   <item>
    <title>American Debt Negotiation Laws - How Companies Avoid Them</title>
    <link>http://www.debt-help-and-beyond.com/american-debt-negotiation.html</link>
    <description>How to protect yourself from companies that are skirting the new American debt negotiation laws and still charging consumers huge upfront fees.</description>
    <pubDate>Fri, 21 Oct 2011 23:44:06 GMT</pubDate>
   </item>
   <item>
    <title>Debt Negotiation Companies And Illegal Misrepresentations - Protect Yourself</title>
    <link>http://www.debt-help-and-beyond.com/debt-negotiation-companies.html</link>
    <description>It is illegal for debt negotiation companies to make misrepresentations when it comes to the services that they provide in order to entice you to sign up for their program. Find out specific things they must not misrepresent.</description>
    <pubDate>Fri, 21 Oct 2011 23:18:58 GMT</pubDate>
   </item>
   <item>
    <title>USA Debt Settlement Laws And How Your Money Is Handled</title>
    <link>http://www.debt-help-and-beyond.com/usa-debt-settlement.html</link>
    <description>Following the enactment of the USA debt settlement laws by the FTC in the fall of 2010, a debt relief firm must handle your money in a specific way.</description>
    <pubDate>Fri, 21 Oct 2011 23:13:16 GMT</pubDate>
   </item>
   <item>
    <title>When A Debt Negotiation Service Asks You To Stop Paying Your
Creditors</title>
    <link>http://www.debt-help-and-beyond.com/debt-negotiation-service.html</link>
    <description>Hiring a debt negotiation service usually means you will have to stop paying your creditors, which of course won&#39;t make them too happy. Debt settlement companies must tell you what to expect.</description>
    <pubDate>Fri, 21 Oct 2011 23:12:06 GMT</pubDate>
   </item>
   <item>
    <title>If A Debt Negotiation Firm Doesn&#39;t Disclose This... Be Wary</title>
    <link>http://www.debt-help-and-beyond.com/debt-negotiation-firm.html</link>
    <description>If you have been in contact with a debt negotiation firm about using their service, they must by law tell you how much you will have to save in their program.</description>
    <pubDate>Fri, 21 Oct 2011 23:08:06 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Assistance - How Long Will It Take</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-assistance.html</link>
    <description>Companies offering debt settlement assistance to consumers must now disclose very specific information, including how long it will take to complete the program. Knowing the basics can save you from getting scammed.</description>
    <pubDate>Fri, 21 Oct 2011 23:06:09 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Law And What Companies MUST Disclose To You</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-law.html</link>
    <description>Find out what debt settlement law requires that companies disclose to you prior to you signing up.</description>
    <pubDate>Fri, 21 Oct 2011 23:04:54 GMT</pubDate>
   </item>
   <item>
    <title>Credit Card Settlement Fees Demystified</title>
    <link>http://www.debt-help-and-beyond.com/credit-card-settlement.html</link>
    <description>There are strict laws governing the fees that credit card settlement companies can charge you. Learn your rights before you get taken.</description>
    <pubDate>Fri, 21 Oct 2011 23:04:03 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Firms And The Advance Fee Ban</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-firms.html</link>
    <description>Find out how and when debt settlement firms can collect their fees and still stay on side with the law.</description>
    <pubDate>Fri, 21 Oct 2011 23:02:57 GMT</pubDate>
   </item>
   <item>
    <title>A Free Debt Consolidation Quote | Where To Get One And What Else To Expect</title>
    <link>http://www.debt-help-and-beyond.com/free-debt-consolidation-quote.html</link>
    <description>Find out not only where to get a free debt consolidation quote, but what else you should expect for free from any reputable debt relief company.</description>
    <pubDate>Wed, 07 Sep 2011 00:08:38 GMT</pubDate>
   </item>
   <item>
    <title>A 0 Unsecured Loan For Debt Consolidation?</title>
    <link>http://www.debt-help-and-beyond.com/unsecured-loan-for-debt-consolidation.html</link>
    <description>It&#39;s difficult enough to get an unsecured loan for debt consolidation, but how about an interest free unsecured loan?</description>
    <pubDate>Wed, 31 Aug 2011 22:38:53 GMT</pubDate>
   </item>
   <item>
    <title>Credit Card Debt Termination - A Little &quot;Trick&quot; To Speed It Up</title>
    <link>http://www.debt-help-and-beyond.com/credit-card-debt-termination.html</link>
    <description>This small change in how you pay your monthly bills can help speed up credit card debt termination by years.</description>
    <pubDate>Wed, 31 Aug 2011 17:27:14 GMT</pubDate>
   </item>
   <item>
    <title>Debt Help And Beyond&#39;s Privacy Policy</title>
    <link>http://www.debt-help-and-beyond.com/privacy-policy.html</link>
    <description>Our privacy policy.</description>
    <pubDate>Mon, 29 Aug 2011 20:54:38 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Information, FAQs... and Answers</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-information.html</link>
    <description>Most people are seeking the same debt settlement information and answers to frequently asked questions. Find the answers here.</description>
    <pubDate>Wed, 19 May 2010 17:45:52 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Solutions - Truth About Savings And Success
Rate</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-solutions.html</link>
    <description>How much do debt settlement solutions offered by companies really save their clients and how many actually finish the program? Get the stats.</description>
    <pubDate>Wed, 19 May 2010 17:41:43 GMT</pubDate>
   </item>
   <item>
    <title>The Debt Settling Process - Which Debts Are Not Included And Why</title>
    <link>http://www.debt-help-and-beyond.com/debt-settling.html</link>
    <description>The debt settling process cannot be used to settle all of your existing debts. Find out which type debts cannot be settled.</description>
    <pubDate>Wed, 19 May 2010 17:39:01 GMT</pubDate>
   </item>
   <item>
    <title>Can You Repair Credit With Debt Settlement?</title>
    <link>http://www.debt-help-and-beyond.com/repair-credit-with-debt-settlement.html</link>
    <description>Have you been advised that you can repair credit with debt settlement? Remember, there is more to credit repair than eliminating debts.</description>
    <pubDate>Wed, 19 May 2010 16:53:32 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Online - Making Sure You Deal With A Reputable Company</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-online.html</link>
    <description>If you are considering debt settlement online, how do you know that you are not going to get ripped off?</description>
    <pubDate>Wed, 19 May 2010 16:47:00 GMT</pubDate>
   </item>
   <item>
    <title>Debt Consolidation Vs Debt Settlement - How Do The Fees
Compare?</title>
    <link>http://www.debt-help-and-beyond.com/debt-consolidation-vs-debt-settlement.html</link>
    <description>When it comes to the fees earned by companies, how does debt consolidation vs debt settlement compare?</description>
    <pubDate>Tue, 18 May 2010 20:29:38 GMT</pubDate>
   </item>
   <item>
    <title>Settlement Of Credit Card Debt - What Interest Rate Will You Pay?</title>
    <link>http://www.debt-help-and-beyond.com/settlement-of-credit-card-debt.html</link>
    <description>What interest rates are charged in the settlement of credit card debt, and how do they compare to your other options?</description>
    <pubDate>Tue, 18 May 2010 20:28:56 GMT</pubDate>
   </item>
   <item>
    <title>Consolidation Service Vs Debt Settlement Service - A Look
At Fees</title>
    <link>http://www.debt-help-and-beyond.com/consolidation-service-vs-debt-settlement.html</link>
    <description>What are the fees associated with different debt relief programs. More specifically, a consolidation service vs debt settlement service.</description>
    <pubDate>Tue, 18 May 2010 20:28:14 GMT</pubDate>
   </item>
   <item>
    <title>Are Debt Settlement Companies Scams?</title>
    <link>http://www.debt-help-and-beyond.com/are-debt-settlement-companies-scams.html</link>
    <description>If you are considering settling your debts with your creditors and are asking yourself, are debt settlement companies scams, you should know that...</description>
    <pubDate>Fri, 14 May 2010 20:05:46 GMT</pubDate>
   </item>
   <item>
    <title>Settlement Debt Relief Programs - What Services Your Money Buys You</title>
    <link>http://www.debt-help-and-beyond.com/settlement-debt-relief.html</link>
    <description>A settlement debt relief program will cost you money. But what services are provided in exchange for that money?</description>
    <pubDate>Thu, 13 May 2010 20:40:57 GMT</pubDate>
   </item>
   <item>
    <title>A Debt Settlement Solution... What Do You Get For Your Money?</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-solution.html</link>
    <description>Hiring a company that offers a debt settlement solution service will cost you money. But what do they do to earn it?</description>
    <pubDate>Thu, 13 May 2010 20:40:08 GMT</pubDate>
   </item>
   <item>
    <title>A Reputable Debt Settlement Business Should Provide This...</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-business.html</link>
    <description>Any debt settlement business that you are considering hiring should at the very least provide an agreement that outlines the following items.</description>
    <pubDate>Sat, 08 May 2010 17:54:24 GMT</pubDate>
   </item>
   <item>
    <title>Credit Debt Settlement Companies - What Education Can You
Expect?</title>
    <link>http://www.debt-help-and-beyond.com/credit-debt-settlement.html</link>
    <description>What education can you expect from credit debt settlement companies before entering their program, and while you are completing it?</description>
    <pubDate>Sat, 08 May 2010 17:53:40 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Agreement Disclosures - What You Should Be Told</title>
    <link>http://www.debt-help-and-beyond.com/debt-settlement-agreement.html</link>
    <description>Before signing a debt settlement agreement with a company or attorney, make sure that they disclose key information. Here is a checklist.</description>
    <pubDate>Wed, 05 May 2010 17:11:51 GMT</pubDate>
   </item>
   <item>
    <title>The Best Debt Settlement Companies - A Quick Way To Find Them</title>
    <link>http://www.debt-help-and-beyond.com/the-best-debt-settlement-companies.html</link>
    <description>How do you find the best debt settlement companies amongst what appears to be endless websites?</description>
    <pubDate>Tue, 04 May 2010 18:10:16 GMT</pubDate>
   </item>
   <item>
    <title>Technorati - DV35WESCS2Q4</title>
    <link>http://www.debt-help-and-beyond.com/debt-blog.html#Technorati---DV35WESCS2Q4</link>
    <description>Just claiming my Technorati blog. Sorry for the inconvenience.</description>
    <pubDate>Mon, 18 Jan 2010 17:58:38 GMT</pubDate>
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