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		<title>What is the affect on FICA of &#8220;Settled by Agreement&#8221; offer on a credit card debt?</title>
		<link>http://www.clearmydebtnow.net/credit-card-debt/what-is-the-affect-on-fica-of-settled-by-agreement-offer-on-a-credit-card-debt.html</link>
		<comments>http://www.clearmydebtnow.net/credit-card-debt/what-is-the-affect-on-fica-of-settled-by-agreement-offer-on-a-credit-card-debt.html#comments</comments>
		<pubDate>Tue, 27 Apr 2010 03:10:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
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		<guid isPermaLink="false">http://www.clearmydebtnow.net/?p=1108</guid>
		<description><![CDATA[I had a medical problem and couldn&#8217;t work for 2 years and really hurt my outstanding credit history. I had a $5,000 Visa card debt and a $19,000 Mastercard debt. I got on a payment program on both cards, offered to me by the banks. I paid both down to below the limit. The $19k [...]]]></description>
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		<slash:comments>4</slash:comments>
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		<title>How do debt relief agencies benefit?</title>
		<link>http://www.clearmydebtnow.net/debt-relief-agencies/how-do-debt-relief-agencies-benefit.html</link>
		<comments>http://www.clearmydebtnow.net/debt-relief-agencies/how-do-debt-relief-agencies-benefit.html#comments</comments>
		<pubDate>Sat, 24 Apr 2010 03:21:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Relief Agencies]]></category>
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		<guid isPermaLink="false">http://www.clearmydebtnow.net/?p=1084</guid>
		<description><![CDATA[I have a friend who is in debt and needs my help. He gets mail from different debt companies about how he can have all of the debt he has made into one simple monthly payment. I am wondering if this is really legit and how do those certain companies benefit from all of this. [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Is there any way to reduce IRS debt after an installment agreement is entered into and with liens filed?</title>
		<link>http://www.clearmydebtnow.net/bankruptcy-judgement/is-there-any-way-to-reduce-irs-debt-after-an-installment-agreement-is-entered-into-and-with-liens-filed.html</link>
		<comments>http://www.clearmydebtnow.net/bankruptcy-judgement/is-there-any-way-to-reduce-irs-debt-after-an-installment-agreement-is-entered-into-and-with-liens-filed.html#comments</comments>
		<pubDate>Thu, 22 Apr 2010 17:18:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<guid isPermaLink="false">http://www.clearmydebtnow.net/?p=1057</guid>
		<description><![CDATA[I tried offer of compromise route and was turned down on a technical point; then filed with US Tax Ct.; had to withdraw case because IRS levied my wages on one year that was not in court filing; now in installment agreement, with nearly half my take home salary being taken monthly from my checking [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>Which is the better option in regards to reducing debt: debt consolidation or debt settlement (negotiation)?</title>
		<link>http://www.clearmydebtnow.net/consolidate-my-debt/which-is-the-better-option-in-regards-to-reducing-debt-debt-consolidation-or-debt-settlement-negotiation.html</link>
		<comments>http://www.clearmydebtnow.net/consolidate-my-debt/which-is-the-better-option-in-regards-to-reducing-debt-debt-consolidation-or-debt-settlement-negotiation.html#comments</comments>
		<pubDate>Tue, 13 Apr 2010 20:33:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Consolidate My Debt]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Questions-Answers]]></category>
		<category><![CDATA[Consolidation]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Negotiation]]></category>
		<category><![CDATA[reducing]]></category>
		<category><![CDATA[Settlement]]></category>

		<guid isPermaLink="false">http://www.clearmydebtnow.net/?p=979</guid>
		<description><![CDATA[There has been considerable debate between two specific debt reducing options: debt consolidation and debt settlement (negotiation). I&#8217;m trying to decide which is the best option to select if one wants to reduce their financial debt (specifically credit card debt). I&#8217;m sure there&#8217;s pros and cons to both options, however which is more effective? Please [...]]]></description>
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		<slash:comments>11</slash:comments>
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		<title>I am in a debt repayment program, I need a credit card for emergencies, should I apply for a poor credit card</title>
		<link>http://www.clearmydebtnow.net/credit-card-debt/i-am-in-a-debt-repayment-program-i-need-a-credit-card-for-emergencies-should-i-apply-for-a-poor-credit-card.html</link>
		<comments>http://www.clearmydebtnow.net/credit-card-debt/i-am-in-a-debt-repayment-program-i-need-a-credit-card-for-emergencies-should-i-apply-for-a-poor-credit-card.html#comments</comments>
		<pubDate>Mon, 12 Apr 2010 03:20:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
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		<guid isPermaLink="false">http://www.clearmydebtnow.net/?p=881</guid>
		<description><![CDATA[I DO NOT WANT MORE CREDIT, BUT I FEEL I NEED SOMETHING TO FALL BACK ON. WILL IT HURT MY CREDIT MORE TO APPLY FOR A CARD LIKE THIS.]]></description>
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		<slash:comments>5</slash:comments>
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