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	<title>SettlementMax - Financial Freedom&#187; 10 lies that got you (and keep you) in credit card debt &#8211; SettlementMax &#8211; Financial Freedom</title>
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		<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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		<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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
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		<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 first payment-based debt for the average American gets incurred while still in high school</title>
		<link>http://settlementmax.com/blog/payment-based-debt-average-american-incurred-high-school/</link>
		<comments>http://settlementmax.com/blog/payment-based-debt-average-american-incurred-high-school/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 16:37:43 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=401</guid>
		<description><![CDATA[The first payment-based debt for the average American gets incurred while still in high school ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/payment-based-debt-average-american-incurred-high-school/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>
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		<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>
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		<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>
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		<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>
		</item>
		<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>
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		<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>
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		<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>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=127</guid>
		<description><![CDATA[A Lifetime of Debt .]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Living In Credit Card Hell</title>
		<link>http://settlementmax.com/blog/credit-card-hell/</link>
		<comments>http://settlementmax.com/blog/credit-card-hell/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:47:03 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=113</guid>
		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>U.S. Debt &#8211; $65 Trillion</title>
		<link>http://settlementmax.com/blog/u-s-debt-65-trillion/</link>
		<comments>http://settlementmax.com/blog/u-s-debt-65-trillion/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:29:05 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=93</guid>
		<description><![CDATA[The total liabilities of the United States government, including future social security and medicare payments that the U.S. government is already committed to pay out, now exceed 65 trillion dollars, which is more than the entire GDP of the whole world.

]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Seniors &#8211; credit card debt</title>
		<link>http://settlementmax.com/blog/seniors-racking-credit-card-debt/</link>
		<comments>http://settlementmax.com/blog/seniors-racking-credit-card-debt/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 15:42:39 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=87</guid>
		<description><![CDATA[Seniors racking up credit card debt
Here's a statistic that should give us all pause: The average credit card debt of seniors grew by 26% between 2005 and 2008, CreditCards.com reports. For the rest of us, the increase was a comparatively modest 3%
]]></description>
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		<item>
		<title>Is your debt making you sick?</title>
		<link>http://settlementmax.com/blog/debt-making-sick/</link>
		<comments>http://settlementmax.com/blog/debt-making-sick/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 23:20:43 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=74</guid>
		<description><![CDATA[In the past year, Chad, a 38-year-old former president of a social media communications company, has gained 30 pounds, seen his hair turned gray, and admits that both his blood pressure and cholesterol have increased. The cause is none other than the economy. “The economic downturn hit us early last year when people stopped paying,” he says. “We had a mountain of uncollectible outstanding invoices.”]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/debt-making-sick/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Poll &#8211; What is your current debt load?</title>
		<link>http://settlementmax.com/blog/current-debt-load/</link>
		<comments>http://settlementmax.com/blog/current-debt-load/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 20:38:53 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Polls]]></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[financial freedom]]></category>
		<category><![CDATA[manage]]></category>
		<category><![CDATA[managing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[relief]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[Settlementmax]]></category>
		<category><![CDATA[spend]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[unemployed]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=17</guid>
		<description><![CDATA[Debt Poll - What is your current debt load?]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/current-debt-load/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Free Credit Report &#8211; Everyone can request a free yearly credit report</title>
		<link>http://settlementmax.com/blog/credit-report/</link>
		<comments>http://settlementmax.com/blog/credit-report/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 19:49:30 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Relevant Information]]></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[financial freedom]]></category>
		<category><![CDATA[manage]]></category>
		<category><![CDATA[managing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[money management]]></category>
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		<category><![CDATA[unemployed]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=13</guid>
		<description><![CDATA[Do you know you're entitled to a free yearly credit report for all three credit reporting agencies?   There is a free website you can visit to request this free credit report once a year. At SettlementMax, we strongly encourage our clients to take advantage of this free valuable service.  ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding your finances is the first step you need to take to become financially independent</title>
		<link>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/</link>
		<comments>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 18:31:58 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></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[finance]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial]]></category>
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		<category><![CDATA[manage]]></category>
		<category><![CDATA[managing]]></category>
		<category><![CDATA[Money]]></category>
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		<category><![CDATA[payment]]></category>
		<category><![CDATA[payments]]></category>
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		<category><![CDATA[settlement]]></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=8</guid>
		<description><![CDATA[Most people spend more time managing company finances than their own personal finances.  Why is this?]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The average american has between $30,000 and $40,000 in outstanding credit card debt.  How about you?</title>
		<link>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/</link>
		<comments>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 16:33:59 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Relevant Information]]></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[financial freedom]]></category>
		<category><![CDATA[manage]]></category>
		<category><![CDATA[managing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[planning]]></category>
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		<category><![CDATA[settlement]]></category>
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		<category><![CDATA[spend]]></category>
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		<category><![CDATA[unemployed]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=5</guid>
		<description><![CDATA[You are not alone. Banks have been given the ability to charge excessive interest rates, late fees and this has fed their cash cow, us the consumers. Trying to put it in the back of your mind and ignore it is not the right solution. Take action and explore all your different options before you start your journey to financial freedom.]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
	</channel>
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