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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>Fri, 18 Apr 2008 22:27:57 +0000</pubDate>
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		<title>20 Tips for Running A Successful Debt Settlement Operation</title>
		<link>http://www.zipdebt.com/blog/successful-debt-settlement</link>
		<comments>http://www.zipdebt.com/blog/successful-debt-settlement#comments</comments>
		<pubDate>Fri, 18 Apr 2008 22:24:23 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/?p=72</guid>
		<description><![CDATA[I&#8217;m fed up with the sales practices of the majority of debt settlement companies. Every day I talk to consumers who seek my advice after talking to settlement companies. Some of the stuff they were told makes me wonder what planet these company executives are living on. Don&#8217;t they know that settlement companies are getting [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/successful-debt-settlement/feed</wfw:commentRss>
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		<title>The 2008 Economy and Debt Settlement</title>
		<link>http://www.zipdebt.com/blog/debt-settlement-economy</link>
		<comments>http://www.zipdebt.com/blog/debt-settlement-economy#comments</comments>
		<pubDate>Fri, 28 Mar 2008 22:27:25 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/debt-settlement-economy</guid>
		<description><![CDATA[&#8220;With all the recent problems in the financial sector, is it getting easier to settle with the banks?&#8221; I&#8217;ve been hearing this type of question a lot lately. The past year or so has seen an avalanche of economic problems, beginning with the downturn in the real estate market, the subprime mortgage fiasco, the banking [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/debt-settlement-economy/feed</wfw:commentRss>
		</item>
		<item>
		<title>Debt Elimination &#8212; A &#8220;New&#8221; Variation on an Old Scam</title>
		<link>http://www.zipdebt.com/blog/debt-elimination-variation</link>
		<comments>http://www.zipdebt.com/blog/debt-elimination-variation#comments</comments>
		<pubDate>Fri, 29 Feb 2008 21:43:48 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/debt-elimination-variation</guid>
		<description><![CDATA[Regular readers of the ZipDebt Blog know that I routinely warn consumers about the notorious &#8220;debt elimination scam.&#8221; This is the type of program where the promoters claim that you never actually borrowed any money on those credit cards, because &#8230; wait for it &#8230; your signature on the credit card application is worth exactly [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/debt-elimination-variation/feed</wfw:commentRss>
		</item>
		<item>
		<title>Crazy Stuff Collectors Say - Part V</title>
		<link>http://www.zipdebt.com/blog/collection-5</link>
		<comments>http://www.zipdebt.com/blog/collection-5#comments</comments>
		<pubDate>Tue, 22 Jan 2008 21:54:41 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/collection-5</guid>
		<description><![CDATA[Continuing our discussion on &#8220;Crazy Stuff Collectors Say,&#8221; in this post I&#8217;ll deal with a common statement made by collectors. In the first post in this series, I wrote about the myth of &#8220;bankruptcy insurance,&#8221; where the collector attempts to convince the debtor that the creditor actually *prefers* they just go ahead and file bankruptcy, [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/collection-5/feed</wfw:commentRss>
		</item>
		<item>
		<title>Crazy Stuff Collectors Say - Part IV</title>
		<link>http://www.zipdebt.com/blog/collection-4</link>
		<comments>http://www.zipdebt.com/blog/collection-4#comments</comments>
		<pubDate>Wed, 12 Dec 2007 23:00:26 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/collection-4</guid>
		<description><![CDATA[Three of my previous posts were on &#8220;Crazy Stuff Collectors Say.&#8221; In case you missed those posts, here are the quick-links to the previous articles:
Crazy Stuff Collectors Say - Part I
Crazy Stuff Collectors Say - Part II
Crazy Stuff Collectors Say - Part III

I wanted to follow up on this theme, because lately I&#8217;ve been hearing [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/collection-4/feed</wfw:commentRss>
		</item>
		<item>
		<title>ZipDebt Client Comment Forum</title>
		<link>http://www.zipdebt.com/blog/client-comments</link>
		<comments>http://www.zipdebt.com/blog/client-comments#comments</comments>
		<pubDate>Thu, 08 Nov 2007 23:44:38 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/client-comments</guid>
		<description><![CDATA[This post is intended to provide a forum for ZipDebt clients to post comments about their experience with the program. Recently, I spoke to a person interested in my program, and they told me that they didn&#8217;t bother to read any of the testimonials on my site because &#8220;everybody fakes testimonials.&#8221; Well, that&#8217;s probably true [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/client-comments/feed</wfw:commentRss>
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		<item>
		<title>How to Ruin a Perfectly Good Debt Settlement Letter!</title>
		<link>http://www.zipdebt.com/blog/debt-settlement-letter-ruined</link>
		<comments>http://www.zipdebt.com/blog/debt-settlement-letter-ruined#comments</comments>
		<pubDate>Fri, 05 Oct 2007 22:40:53 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/debt-settlement-letter-ruined</guid>
		<description><![CDATA[People keep trying to reinvent the wheel when it comes to debt negotiation and settlement. It&#8217;s not rocket science, and there are really only a few simple principles that need to be followed to avoid problems. It&#8217;s the fancy footwork and dodgy tactics that cause all the trouble. Here&#8217;s a good example. Recently, I&#8217;ve been [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/debt-settlement-letter-ruined/feed</wfw:commentRss>
		</item>
		<item>
		<title>Anatomy of a Debt Settlement Success Story</title>
		<link>http://www.zipdebt.com/blog/debt-settlement-success1</link>
		<comments>http://www.zipdebt.com/blog/debt-settlement-success1#comments</comments>
		<pubDate>Thu, 13 Sep 2007 22:56:20 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/debt-settlement-success1</guid>
		<description><![CDATA[This article will describe the success story experienced by one of my clients, who used my training and coaching program to settle their own debts. The client handled all the negotiations himself, and therefore did not pay any fees to a settlement company. It&#8217;s a great example of the power of debt settlement to rapidly [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/debt-settlement-success1/feed</wfw:commentRss>
		</item>
		<item>
		<title>&#8220;My Debt is a Charge-off. Do I Still Need to Pay It?&#8221;</title>
		<link>http://www.zipdebt.com/blog/chargeoff-myth</link>
		<comments>http://www.zipdebt.com/blog/chargeoff-myth#comments</comments>
		<pubDate>Wed, 08 Aug 2007 00:21:16 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/chargeoff-myth</guid>
		<description><![CDATA[It&#8217;s time for me to bust another common debt-related myth that I get asked about frequently. Basically, the myth is that once a creditor records a &#8220;charge-off&#8221; (where your account is declared as a bad debt and a loss is recorded by the creditor), then the creditor no longer has a right to attempt further [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/chargeoff-myth/feed</wfw:commentRss>
		</item>
		<item>
		<title>New ID Theft Scam &#8212; Credit Card &#8220;Fee Removal&#8221;</title>
		<link>http://www.zipdebt.com/blog/fee-removal-scam</link>
		<comments>http://www.zipdebt.com/blog/fee-removal-scam#comments</comments>
		<pubDate>Fri, 20 Jul 2007 21:11:06 +0000</pubDate>
		<dc:creator>Charles</dc:creator>
		
		<category><![CDATA[Debt &#038; Credit]]></category>

		<guid isPermaLink="false">http://www.zipdebt.com/blog/fee-removal-scam</guid>
		<description><![CDATA[Regular readers of The ZipDebt Blog know that I frequently write about debt and credit scams, and today I&#8217;m posting this entry to warn consumers about a new scam that I hadn&#8217;t seen before. Perhaps it&#8217;s been around a while, but this is the first time I&#8217;ve noticed it, so I wanted to get this [...]]]></description>
		<wfw:commentRss>http://www.zipdebt.com/blog/fee-removal-scam/feed</wfw:commentRss>
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