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	<title>SettlementMax - Financial Freedom&#187; Debts that are impacting our quality of life  &#8211; SettlementMax &#8211; Financial Freedom</title>
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		<title>Debts that are impacting our quality of life</title>
		<link>http://settlementmax.com/blog/debts-impacting-quality-life/</link>
		<comments>http://settlementmax.com/blog/debts-impacting-quality-life/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 22:39:49 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=353</guid>
		<description><![CDATA[Debts that are impacting our quality of life can cause grief among us.  Unless a serious problem is at steak, most people fail to contain and reduce debt or even learn how to do so.  A number of people that choose not to admit their debt problem for a long time end up regretting it. 

Most people don’t want any advice at all, nor do they admit that they have any sort of problem.  Debtors often don’t think it is serious enough of a problem to seek advice.  A lot of people believe that it is solely their fault and that they should deal with the problem themselves
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 lies that got you (and keep you) in credit card debt</title>
		<link>http://settlementmax.com/blog/10-lies-keep-credit-card-debt/</link>
		<comments>http://settlementmax.com/blog/10-lies-keep-credit-card-debt/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 15:56:55 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
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		<category><![CDATA[credit card]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=89</guid>
		<description><![CDATA[Although we don't have credit card debt now, except for 0% APR balance transfers, there were times that we did. We never let our credit cards get completely out of control although we did build up thousands of dollars on our credit cards when I first got out of college...

]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/10-lies-keep-credit-card-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Rules Changing</title>
		<link>http://settlementmax.com/blog/credit-card-rules-changing/</link>
		<comments>http://settlementmax.com/blog/credit-card-rules-changing/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 15:54:38 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Relevant Information]]></category>
		<category><![CDATA[ATM]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
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		<category><![CDATA[Settlementmax]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=746</guid>
		<description><![CDATA[New credit card rules could mean a tough time getting a new Visa or MasterCard.

The tighter credit card rules imposed by Congress -- mixed with a nation swimming in debt -- mean credit card companies and banks will become more picky in selecting their card holders, says Valley credit counselor Dean Wegner.

"Right now, they're looking for quality vs. quantity, going into 2010," Wegner said.

People getting cards should not expect as many perks as in the past, he said.]]></description>
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		</item>
		<item>
		<title>Do You Have High Credit Card Balances?</title>
		<link>http://settlementmax.com/blog/do-you-have-high-credit-card-balances/</link>
		<comments>http://settlementmax.com/blog/do-you-have-high-credit-card-balances/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 23:11:59 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[balance]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=727</guid>
		<description><![CDATA[If you owe a lot of money to a few credit card companies and can&#8217;t pay it off so fast, there are still some steps you could take to protect yourself. Make an effort to pay off your credit cards as soon as possible.  Cut back on expenses and luxuries so you have extra cash [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>83% say credit cards tempt people to buy</title>
		<link>http://settlementmax.com/blog/83-credit-cards-tempt-people-buy/</link>
		<comments>http://settlementmax.com/blog/83-credit-cards-tempt-people-buy/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 23:04:43 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Relevant Information]]></category>
		<category><![CDATA[Americans]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=617</guid>
		<description><![CDATA[Most Americans agree, credit cards tempt them to buy more.  83% of adults said that credit cards tempt people to buy things they can’t afford according to a Rasmussen reports national ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Avoid using your credit card during the holiday season</title>
		<link>http://settlementmax.com/blog/credit-card-during-holiday-season/</link>
		<comments>http://settlementmax.com/blog/credit-card-during-holiday-season/#comments</comments>
		<pubDate>Tue, 08 Dec 2009 19:36:24 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[christmas]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=592</guid>
		<description><![CDATA[It’s the holiday season, the biggest shopping season of the whole year.  It’s this time that many Americans end up with thousands of dollars in credit card debt they cant afford to pay back.  Here are some reasons to avoid using your credit card while shopping for the holidays.

If you have a debt on your credit card now, you will only be adding to it.  You will spend more money with a credit card because there is no physical sign telling you to stop spending.  Try to avoid using your credit card and use some cash you have put aside for holiday shopping.  You will pay more with a credit card as well because you pay interest on balance...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Man Has 1,497 Credit Cards</title>
		<link>http://settlementmax.com/blog/man-has-1497-credit-cards/</link>
		<comments>http://settlementmax.com/blog/man-has-1497-credit-cards/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 21:29:15 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Articles]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=589</guid>
		<description><![CDATA[Walter Cavanagh has 1,497 valid credit cards -- all of which amount to a $1.7 million line of credit.

Currently, he holds the record for the most credit cards and for the world's longest wallet, which stretches 250 feet, weighs about 38 pounds and can hold 800 cards. But he keeps most of them in bank safe-deposit boxes.

The "Guinness Book of World Records" gave him the title "Mr. Plastic Fantastic," and he has been in the book every year since 1971.

 ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/man-has-1497-credit-cards/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Holiday Spending Tips</title>
		<link>http://settlementmax.com/blog/holiday-spending-tips/</link>
		<comments>http://settlementmax.com/blog/holiday-spending-tips/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 19:27:48 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=584</guid>
		<description><![CDATA[With the holidays just around the corner, many credit card rules and normal spending habits are forgotten.  Many charge up credit card balances that can take months and even years to pay back.  Here are ten mistakes that are commonly made during the holiday season.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>about 1/3 of the people filing for bankruptcy owe an entire year’s salary on their credit cards.</title>
		<link>http://settlementmax.com/blog/13-people-filing-bankruptcy-owe-entire-year%e2%80%99s-salary-credit-cards/</link>
		<comments>http://settlementmax.com/blog/13-people-filing-bankruptcy-owe-entire-year%e2%80%99s-salary-credit-cards/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 21:08:33 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[1/3]]></category>
		<category><![CDATA[bankruptcy]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=541</guid>
		<description><![CDATA[about 1/3 of the people filing for bankruptcy owe an entire year’s salary on their credit cards. ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/13-people-filing-bankruptcy-owe-entire-year%e2%80%99s-salary-credit-cards/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>At least one in 10 consumers has more than 10 credit cards in their wallets. That is equal to 304 tons of plastic or 61 Elephants!</title>
		<link>http://settlementmax.com/blog/one-10-consumers-more-10-credit-cards-wallets-equal-304-tons-plastic-61-elephants/</link>
		<comments>http://settlementmax.com/blog/one-10-consumers-more-10-credit-cards-wallets-equal-304-tons-plastic-61-elephants/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 15:07:11 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[10]]></category>
		<category><![CDATA[consumer]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=530</guid>
		<description><![CDATA[At least one in 10 consumers has more than 10 credit cards in their wallets. That is equal to 304 tons of plastic or 61 Elephants! ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/one-10-consumers-more-10-credit-cards-wallets-equal-304-tons-plastic-61-elephants/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Here are some tips to help you improve your finances</title>
		<link>http://settlementmax.com/blog/tips-improve-finances/</link>
		<comments>http://settlementmax.com/blog/tips-improve-finances/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 23:10:37 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[bill]]></category>
		<category><![CDATA[bills]]></category>
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		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=477</guid>
		<description><![CDATA[The longer you leave a debt problem the worse it gets and by facing your debts immediately, you’ll be out of your debt problem a whole lot sooner. There is a solution for everyone.  Here are a number of basic tips to get you started
Pay your priority debts first

Priority debts include council tax, TV license, fines, rent, mortgage, utilities bills, hire-purchase agreements, taxes and child maintenance.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>There&#8217;s No Maximum Interest Rate. CC companies state in card holder agreements that they can change your rate without notice</title>
		<link>http://settlementmax.com/blog/theres-maximum-interest-rate-cc-companies-state-card-holder-agreements-change-rate-notice/</link>
		<comments>http://settlementmax.com/blog/theres-maximum-interest-rate-cc-companies-state-card-holder-agreements-change-rate-notice/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 17:12:13 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[companies]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
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		<category><![CDATA[state]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=436</guid>
		<description><![CDATA[There's No Maximum Interest Rate. CC companies state in card holder agreements that they can change your rate without notice. ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/theres-maximum-interest-rate-cc-companies-state-card-holder-agreements-change-rate-notice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The average person seeking a credit counselor carries a balance on two credit cards</title>
		<link>http://settlementmax.com/blog/average-person-seeking-credit-counselor-carries-balance-two-credit-cards/</link>
		<comments>http://settlementmax.com/blog/average-person-seeking-credit-counselor-carries-balance-two-credit-cards/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 17:08:45 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[average]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
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		<category><![CDATA[Settlementmax]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=432</guid>
		<description><![CDATA[The average person seeking a credit counselor carries a balance on two credit cards. ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/average-person-seeking-credit-counselor-carries-balance-two-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit card companies earned $55.2B in fees in 2006, up from $54.8B the year before (according to R.K. Hammer)</title>
		<link>http://settlementmax.com/blog/credit-card-companies-earned-55-2b-in-fees-2006-54-8b-year-before-according-r-k-hammer/</link>
		<comments>http://settlementmax.com/blog/credit-card-companies-earned-55-2b-in-fees-2006-54-8b-year-before-according-r-k-hammer/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 17:06:03 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[companies]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
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		<category><![CDATA[fees]]></category>
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		<category><![CDATA[year]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=428</guid>
		<description><![CDATA[Credit card companies earned $55.2B in fees in 2006, up from $54.8B the year before (according to R.K. Hammer). ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/credit-card-companies-earned-55-2b-in-fees-2006-54-8b-year-before-according-r-k-hammer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Very Few Pay Their Cards Off. There are 35 million Americans who only pay the minimum payment on their credit cards</title>
		<link>http://settlementmax.com/blog/few-pay-cards-35-million-americans-minimum-payment-credit-cards/</link>
		<comments>http://settlementmax.com/blog/few-pay-cards-35-million-americans-minimum-payment-credit-cards/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 16:58:14 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[Americans]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[million]]></category>
		<category><![CDATA[minimum]]></category>
		<category><![CDATA[pay]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[Settlementmax]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=423</guid>
		<description><![CDATA[Very Few Pay Their Cards Off. there are 35 million Americans who only pay the minimum payment on their credit cards ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/few-pay-cards-35-million-americans-minimum-payment-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The average rate for standard bank credit cards is around 19%</title>
		<link>http://settlementmax.com/blog/average-rate-standard-bank-credit-cards-19/</link>
		<comments>http://settlementmax.com/blog/average-rate-standard-bank-credit-cards-19/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 16:54:20 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[19%]]></category>
		<category><![CDATA[average]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
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		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[reate]]></category>
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		<category><![CDATA[Settlementmax]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=418</guid>
		<description><![CDATA[The average rate for standard bank credit cards is around 19% ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>84% of college students have credit cards</title>
		<link>http://settlementmax.com/blog/84-college-students-credit-cards/</link>
		<comments>http://settlementmax.com/blog/84-college-students-credit-cards/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 16:45:25 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[84%]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[college students]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
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		<category><![CDATA[students]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=411</guid>
		<description><![CDATA[84% of college students have credit cards]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/84-college-students-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Over 173 Million Americans own at least one credit card</title>
		<link>http://settlementmax.com/blog/173-million-americans-own-credit-card/</link>
		<comments>http://settlementmax.com/blog/173-million-americans-own-credit-card/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 16:42:13 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[Americans]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
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		<category><![CDATA[million]]></category>
		<category><![CDATA[Settlementmax]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=408</guid>
		<description><![CDATA[Over 173 Million Americans own at least one credit card ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/173-million-americans-own-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Target is in the top 10 issuers of credit cards</title>
		<link>http://settlementmax.com/blog/target-10-issuers-credit-cards/</link>
		<comments>http://settlementmax.com/blog/target-10-issuers-credit-cards/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 16:39:54 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
		<category><![CDATA[10]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[issuers]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[Settlementmax]]></category>
		<category><![CDATA[target]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=404</guid>
		<description><![CDATA[Target is in the top 10 issuers of credit cards ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/target-10-issuers-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Did We End Up In Debt?</title>
		<link>http://settlementmax.com/blog/up-debt/</link>
		<comments>http://settlementmax.com/blog/up-debt/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 21:56:31 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[bill]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
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		<category><![CDATA[fees]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[managing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[payment]]></category>
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		<category><![CDATA[spending]]></category>
		<category><![CDATA[unemployed]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=331</guid>
		<description><![CDATA[In the past, it was simply too easy for consumers to obtain credit.  Because credit was so easy to get, consumers figured out how to leverage their credit card rewards and balance transfer cards in order to make money. Many tried to perform credit card arbitrage by taking out cash advances and balance transfers from these cards, then investing the amounts into a rising stock market. This was one of those things you'd consider to be a "sign of the times." Of course, things are different today, but the 2000s was a ...]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/up-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Banks Are Jacking Up Interest Rates, Penalties And Fees</title>
		<link>http://settlementmax.com/blog/banks-are-jacking-up-interest-rates-penalties-and-fees/</link>
		<comments>http://settlementmax.com/blog/banks-are-jacking-up-interest-rates-penalties-and-fees/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 21:45:09 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[bill]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
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		<category><![CDATA[fees]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[interests]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[payments]]></category>
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		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=326</guid>
		<description><![CDATA[Before a new law of reforms becomes effective in February of 2010, Credit card companies are raising interest rates, penalties and fees. As of July, interest rates spiked an average of 20% across the board from December 2008 with some issuers raising the interest rates 30 and even 50 percent. When the Pew Health Group [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Debt is Common</title>
		<link>http://settlementmax.com/blog/debt-common/</link>
		<comments>http://settlementmax.com/blog/debt-common/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 17:36:42 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[bill]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[manage]]></category>
		<category><![CDATA[managing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[payment]]></category>
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		<category><![CDATA[Settlementmax]]></category>
		<category><![CDATA[unemployed]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=273</guid>
		<description><![CDATA[Millions of people all over the world are facing the problem of having too much debt.  Eliminating these debts is not an easy task. However, there are various strategies you can use to eliminate ...]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/debt-common/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Financial Journey of the Average American</title>
		<link>http://settlementmax.com/blog/financial-journey-average-american/</link>
		<comments>http://settlementmax.com/blog/financial-journey-average-american/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 22:56:00 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[bill]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[manage]]></category>
		<category><![CDATA[money management]]></category>
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		<category><![CDATA[plan]]></category>
		<category><![CDATA[planning]]></category>
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		<category><![CDATA[spend]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=152</guid>
		<description><![CDATA[The first payment-based debt for the average American gets incurred while still in high school. Interest rates on department store cards can be as staggering as 33%. Target is in the top 10 issuers of credit cards. Over 173 Million Americans own at least one credit card. The average rate for standard bank credit cards [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Lifetime of debt</title>
		<link>http://settlementmax.com/blog/lifetime-debt/</link>
		<comments>http://settlementmax.com/blog/lifetime-debt/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:57:02 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Pictures]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[bill]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=127</guid>
		<description><![CDATA[A Lifetime of Debt .]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/lifetime-debt/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Spread the debt around</title>
		<link>http://settlementmax.com/blog/spread-debt-around/</link>
		<comments>http://settlementmax.com/blog/spread-debt-around/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:55:24 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Pictures]]></category>
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		<category><![CDATA[credit card]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=122</guid>
		<description><![CDATA[]]></description>
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	</channel>
</rss>
