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	<title>The ZipDebt Blog</title>
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	<link>http://www.zipdebt.com/blog</link>
	<description>Straight Talk by Charles Phelan on Debt Settlement &#038; Other Debt Reduction Strategies</description>
	<pubDate>Sat, 27 Feb 2010 20:13:07 +0000</pubDate>
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		<title>Debt Settlement Tsunami Continues in 2010!</title>
		<link>http://www.zipdebt.com/blog/debt-settlement-tsunami</link>
		<comments>http://www.zipdebt.com/blog/debt-settlement-tsunami#comments</comments>
		<pubDate>Sat, 27 Feb 2010 20:13:07 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=145</guid>
		<description><![CDATA[Do you remember what it was like back in October 2008? That’s when the financial crisis rocked the world and we all collectively held our breaths and waited to see if the entire banking sector would collapse. From my own perspective, it had pretty much been “business as usual” in the world of debt settlement [...]]]></description>
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		<title>Bogus Debt Settlement Advertising Continues!</title>
		<link>http://www.zipdebt.com/blog/bogus-debt-settlement-ads</link>
		<comments>http://www.zipdebt.com/blog/bogus-debt-settlement-ads#comments</comments>
		<pubDate>Thu, 14 Jan 2010 18:30:36 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=142</guid>
		<description><![CDATA[Pretend for a moment that you are the CEO of a debt settlement company, or a company that is in the business of generating “leads” for the settlement industry. You know that a regulatory freight train (called the Federal Trade Commission) is headed your way, and that within a matter of months the entire industry [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/bogus-debt-settlement-ads/feed</wfw:commentRss>
		</item>
		<item>
		<title>ZipDebt Holiday Schedule</title>
		<link>http://www.zipdebt.com/blog/zipdebt-holiday-schedule</link>
		<comments>http://www.zipdebt.com/blog/zipdebt-holiday-schedule#comments</comments>
		<pubDate>Tue, 22 Dec 2009 23:23:30 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=139</guid>
		<description><![CDATA[Please note that ZipDebt will be closed Thursday, December 24th, through Sunday, December 27th. We will return to regular hours as of 9am Pacific Time, Monday, December 28th. Email queries (or phone messages) received after 4pm PT on 12/23 will be answered after we return on the 28th.
For the following week, we will be open [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/zipdebt-holiday-schedule/feed</wfw:commentRss>
		</item>
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		<title>Debt Settlement, Insolvency, &#038; Income Taxes</title>
		<link>http://www.zipdebt.com/blog/debt-settlement-insolvency</link>
		<comments>http://www.zipdebt.com/blog/debt-settlement-insolvency#comments</comments>
		<pubDate>Fri, 27 Nov 2009 19:32:55 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=133</guid>
		<description><![CDATA[In January and February of every new year, I get numerous emails from people who have settled unsecured debts during the prior calendar year. They are surprised to find 1099-C forms in their mailboxes, which report to the IRS the forgiven debt balances as ordinary income. Many consumers are totally shocked to find they might [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/debt-settlement-insolvency/feed</wfw:commentRss>
		</item>
		<item>
		<title>Debt Settlement Industry – Big Changes Coming Soon?</title>
		<link>http://www.zipdebt.com/blog/debt-settlement-changes</link>
		<comments>http://www.zipdebt.com/blog/debt-settlement-changes#comments</comments>
		<pubDate>Tue, 06 Oct 2009 22:09:17 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=130</guid>
		<description><![CDATA[There may be major changes coming soon to the debt settlement industry. I’ve written recently about how the industry is being targeted by various regulatory bodies, such as the Federal Trade Commission, state Attorneys General, and various consumer advocacy groups. Recently, the FTC announced a proposed change to the “Telemarketing Sales Rule” (TSR) that will [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/debt-settlement-changes/feed</wfw:commentRss>
		</item>
		<item>
		<title>ZipDebt Program Still “State-of-the-Art” – Live Coaching Makes the Difference!</title>
		<link>http://www.zipdebt.com/blog/zipdebt-program</link>
		<comments>http://www.zipdebt.com/blog/zipdebt-program#comments</comments>
		<pubDate>Fri, 25 Sep 2009 22:50:56 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=126</guid>
		<description><![CDATA[Since the whole financial world melted down about a year ago, I’ve been so busy here at ZipDebt coaching clients that I’m overdue to post various updates to the main portion of the website. As a consequence, I’ve been getting more and more questions like: “I see that your debt settlement audio seminar was released [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/zipdebt-program/feed</wfw:commentRss>
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		<title>National Arbitration Forum Pulls Out of the Industry &#8212; Big Win for Consumers!</title>
		<link>http://www.zipdebt.com/blog/national-arbitration-forum</link>
		<comments>http://www.zipdebt.com/blog/national-arbitration-forum#comments</comments>
		<pubDate>Wed, 19 Aug 2009 23:29:01 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=122</guid>
		<description><![CDATA[Beginning in 2000-2001, several major credit card banks started using a tactic called “consumer arbitration” as part of the collection process. It was a rigged game from start to finish, and I’m pleased to report that consumers have finally won a major victory, thanks to a lawsuit filed by the Attorney General of Minnesota. Forced [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/national-arbitration-forum/feed</wfw:commentRss>
		</item>
		<item>
		<title>Consumer Alert – Beware Bogus DIY Debt Settlement Programs!</title>
		<link>http://www.zipdebt.com/blog/bogus-diy-debt-settlement</link>
		<comments>http://www.zipdebt.com/blog/bogus-diy-debt-settlement#comments</comments>
		<pubDate>Fri, 24 Jul 2009 00:45:42 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=117</guid>
		<description><![CDATA[The purpose of this blog post is to warn consumers looking into do-it-yourself (DIY) debt settlement that a lot of bogus information is being published online about the DIY approach to debt negotiation and settlement. Just as most of the online information published by debt settlement firms is misleading at best, a lot of the [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/bogus-diy-debt-settlement/feed</wfw:commentRss>
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		<title>The “Credit Card Bill of Rights” and Its Effect on Debt Settlement</title>
		<link>http://www.zipdebt.com/blog/credit-card-bill-of-rights</link>
		<comments>http://www.zipdebt.com/blog/credit-card-bill-of-rights#comments</comments>
		<pubDate>Fri, 26 Jun 2009 21:35:29 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=114</guid>
		<description><![CDATA[Congress recently passed the “Credit Card Bill of Rights,” and the new law was signed by President Obama and will go into effect in 2010. I’ve been getting a lot of inquiries about whether or not the new legislation will have an effect on the debt settlement process, so in this blog post I’ll take [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/credit-card-bill-of-rights/feed</wfw:commentRss>
		</item>
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		<title>Debt Settlement Industry in the Crosshairs</title>
		<link>http://www.zipdebt.com/blog/debt-settlement-crosshairs</link>
		<comments>http://www.zipdebt.com/blog/debt-settlement-crosshairs#comments</comments>
		<pubDate>Mon, 18 May 2009 20:18:35 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=112</guid>
		<description><![CDATA[Given that the whole country is still in the grips of the most severe financial crisis since the Great Depression, with millions of Americans falling behind on credit card payments, you would think that this would be boom times for the debt settlement industry. Well, I for one am truly glad that I do not [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/debt-settlement-crosshairs/feed</wfw:commentRss>
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