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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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		<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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		<item>
		<title>The Story of Credit Card Hell – An American Perspective</title>
		<link>http://settlementmax.com/blog/story-credit-card-hell-american-perspective/</link>
		<comments>http://settlementmax.com/blog/story-credit-card-hell-american-perspective/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 21:30:06 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=140</guid>
		<description><![CDATA[You pay your credit card off every month, but happened to miss an auto loan or an electric bill payment.  A single late payment on your credit report can trigger a rate increase.  It is called Universal Default.
0% APR is great, but ...]]></description>
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		<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>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=122</guid>
		<description><![CDATA[]]></description>
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		<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>
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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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		<slash:comments>0</slash:comments>
		</item>
		<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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		<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>
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		<item>
		<title>Top 5 reasons why people go get into debt</title>
		<link>http://settlementmax.com/blog/5-reasons-people-debt/</link>
		<comments>http://settlementmax.com/blog/5-reasons-people-debt/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 15:36:37 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=33</guid>
		<description><![CDATA[Excessive spending - With easy availability of credit over the past decade, the spending habits of Americans have skyrocketed. The old days of paying for something with cash are long gone and we now live in a society that borrows money to buy goods and services.]]></description>
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		<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>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=17</guid>
		<description><![CDATA[Debt Poll - What is your current debt load?]]></description>
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		<slash:comments>1</slash:comments>
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		<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>
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		<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>
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		<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>
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		<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>
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		<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[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>
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