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	<title> &#187; Debt Settlement</title>
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		<title>Statute of Limitations on Debt</title>
		<link>http://www.debtgotoguy.com/debt-settlement/statute-of-limitations-on-debt/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/statute-of-limitations-on-debt/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 01:13:26 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Collection Calls]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=3120</guid>
		<description><![CDATA[State Oral Written Promissory Open-ended Accounts State Statute: Open Accounts AL 6 6 6 3 §6-2-37 AR 3 5 3 3 §16-56-105 AK 6 6 3 3 §09.10.053 AZ 3 6 6 3 §12-543 CA 2 4 4 4 §337 CO 6 6 6 6 §13-80-101 CT 3 6 6 3 §52-581 DE 3 3 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Relief &amp; Your Credit &#8212; The Skinny On How Debt Relief  Plans, Credit Counseling, Debt Settlement and Bankruptcy Affect Your Credit</title>
		<link>http://www.debtgotoguy.com/debt-settlement/debt-relief-your-credit/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/debt-relief-your-credit/#comments</comments>
		<pubDate>Wed, 06 Oct 2010 09:15:55 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Credit Help]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Debt Payoff Plans]]></category>
		<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1965</guid>
		<description><![CDATA[Your credit will be affected no matter what you do. Let’s learn how… First, let me ask you an interesting question: What do you really need your credit score for, other than acquiring more high interest (bad) credit card debt? How much is your credit score costing you each month, in real dollars? (Dollars you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Do I Choose a Good Debt Settlement Company?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/how-do-i-choose-a-good-debt-settlement-company/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/how-do-i-choose-a-good-debt-settlement-company/#comments</comments>
		<pubDate>Sat, 30 Jan 2010 02:37:37 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1688</guid>
		<description><![CDATA[Debt settlement is the fastest way to get out of credit card debt for the least amount of money and avoid bankruptcy. If you are one of the millions of Americans struggling through financial hardships today, debt settlement may be your very best option to be debt free ASAP. BUT&#8230; (WARNING: This is a BIG [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/how-do-i-choose-a-good-debt-settlement-company/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will Debt Settlement For Debt Relief Affect My Credit Score?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/will-debt-settlement-for-debt-relief-affect-my-credit-score/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/will-debt-settlement-for-debt-relief-affect-my-credit-score/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 06:53:30 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Credit Help]]></category>
		<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1627</guid>
		<description><![CDATA[I&#8217;m often asked the question, &#8220;Will debt settlement affect my credit score?&#8221; It&#8217;s interesting that many who call me have already fallen behind on their payments, thus their credit may have already been affected, though it may not be showing yet on their credit report or they just haven&#8217;t checked their credit report recently. If [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Settlement &#8212; Can I Just Settle My Credit Card Debts By Myself?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/can-i-just-settle-my-credit-card-debts-by-myself/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/can-i-just-settle-my-credit-card-debts-by-myself/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 06:37:10 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1624</guid>
		<description><![CDATA[If you have just a couple of debts, or under $10,000 in total unsecured debt, then you could try to talk to your creditors directly to settle the accounts yourself. However, if you have over $10,000 in debt, especially if you have over $25,000 in total debt, or you just need the structure guidance of [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/can-i-just-settle-my-credit-card-debts-by-myself/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Debt Settlement Really Allow Me to Pay Back Less Than I Owe?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/can-debt-settlement-really-allow-me-to-pay-back-less-than-i-owe/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/can-debt-settlement-really-allow-me-to-pay-back-less-than-i-owe/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 06:21:24 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1621</guid>
		<description><![CDATA[Many people are struggling to pay off credit card debt, medical bills or other unsecured debt and they&#8217;re wondering if the debt settlement advertisements on TV, radio or the Internet are for real? Every day I speak with good people across the US who are financially overwhelmed. Many are unable to make the minimum payments [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Settlement vs. Bankrutpcy &#8212; Is Debt Settlement Really Better?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/debt-settlement-vs-bankrutpcy/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/debt-settlement-vs-bankrutpcy/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 06:03:08 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1613</guid>
		<description><![CDATA[I&#8217;m often asked, &#8220;Is debt settlement a better choice than bankruptcy?&#8221; That&#8217;s a good question. Bankruptcy may allow you to eliminate most of your debts quickly, and this is typically referred to as a Chapter 7 bankruptcy. In other cases, you may be required to pay back a percentage of your debts over time. This [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/debt-settlement-vs-bankrutpcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Settlement vs. Bankrutpcy &#8212; Which is Better For Fast Debt Relief?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/debt-settlement-vs-bankrutpcy-which-is-better-for-fast-debt-relief/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/debt-settlement-vs-bankrutpcy-which-is-better-for-fast-debt-relief/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 05:52:27 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1609</guid>
		<description><![CDATA[Debt Settlement or Bankruptcy; That Is The Question! Debt settlement is the fastest way to experience debt relief and be debt free for the least amount of money while avoiding bankruptcy, and may be best for you if you cannot or do not want to file bankruptcy. One type of personal bankruptcy is the fastest [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/debt-settlement-vs-bankrutpcy-which-is-better-for-fast-debt-relief/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Will Debt Settlement Affect My Taxes?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/debt-settlement-tax-avoidance/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/debt-settlement-tax-avoidance/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 05:33:34 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1603</guid>
		<description><![CDATA[If I Settle My Credit Card Debt, How Will These Significant Savings Affect My Taxes? This is an interesting question when considering how to get out of debt. In general, the IRS considers $600 or more of debt which is forgiven or discharged as income. This mean if you owe $50,000 in credit card debt [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/debt-settlement-tax-avoidance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is Debt Settlement and How Does it Work?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/what-is-debt-settlement-and-how-does-it-work/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/what-is-debt-settlement-and-how-does-it-work/#comments</comments>
		<pubDate>Sun, 17 Jan 2010 05:24:00 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Debt Negotiation]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[Debt Settlement Program]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1600</guid>
		<description><![CDATA[Debt settlement, also referred to as debt negotiation, means that your debt is negotiated down to a reduced amount and your account is settled in full; paid to a zero balance. Debt settlement is the process of negotiating with your creditors to settle your debts for less than what you owe, typically for about half [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/what-is-debt-settlement-and-how-does-it-work/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Settlement Secrets: Stopping Creditor Calls from Debt Collectors</title>
		<link>http://www.debtgotoguy.com/debt-settlement/secrets-to-stopping-creditor-calls/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/secrets-to-stopping-creditor-calls/#comments</comments>
		<pubDate>Sun, 20 Dec 2009 15:03:05 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Collection Calls]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Harrassing Calls]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=110</guid>
		<description><![CDATA[THE BEST WAY TO STOP COLLECTION CALLS ASAP. This only applies to people in a legitimate debt settlement program, such as the debt settlement programs I endorse.  If you are not yet enrolled into a debt settlement program, be sure to read this Debt Settlement WARNING before talking to any of the bazillion new debt [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/secrets-to-stopping-creditor-calls/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Settlement EXAMPLE: $55k in Credit Card Debt (Avoids Bankruptcy)</title>
		<link>http://www.debtgotoguy.com/debt-settlement/debt-settlement-example-55k-credit-card-debt/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/debt-settlement-example-55k-credit-card-debt/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 17:16:18 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://www.debtgotoguy.com/?p=1445</guid>
		<description><![CDATA[Could debt settlement be &#8220;the light at the end of the tunnel&#8221; for you? If you&#8217;re deep in debt and feel like you&#8217;re running on the treadmill of life, carrying a heavy backpack full of bricks with no end in sight, let me show you a better way.  Let&#8217;s peel back the curtain and show [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/debt-settlement-example-55k-credit-card-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Debt Settlement &#8220;Morally Wrong&#8221;?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/do-you-think-debt-settlement-is-morally-wrong/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/do-you-think-debt-settlement-is-morally-wrong/#comments</comments>
		<pubDate>Sat, 05 Dec 2009 19:23:51 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=1075</guid>
		<description><![CDATA[Debt settlement is a legal agreement between a debtor and a creditor where a portion of the debtor&#8217;s debt is simply &#8220;forgiven.&#8221;  Debt settlement is actually the best way for creditors (credit card companies, banks and debt collectors) to get the most money from consumers in financial hardship, which is why debt settlement works so [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/do-you-think-debt-settlement-is-morally-wrong/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Settlement WARNINGS (Plus Four Rules to Avoid Trouble!)</title>
		<link>http://www.debtgotoguy.com/debt-settlement/debt-settlement-warning/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/debt-settlement-warning/#comments</comments>
		<pubDate>Sat, 05 Dec 2009 15:29:32 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Debt Settlement Company]]></category>
		<category><![CDATA[Debt Settlement Program]]></category>
		<category><![CDATA[Debt Settlement Service]]></category>
		<category><![CDATA[Debt Settlement Warning]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=249</guid>
		<description><![CDATA[*** Debt Settlement WARNING! *** + Shopping around? + Getting quotes from different companies? + Filling out forms on the internet, looking for help? Tempted by lower payments? Don&#8217;t be fooled&#8230; DO YOU HAVE ACCOUNTS WITH ANY OF THESE CREDITORS: Citibank, Discover or Bank of America? (Are you sure?) JANUARY 2009 UPDATE: Target and Kohls [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/debt-settlement-warning/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Settle Credit Card Debt On Your Own (&#8220;DIY&#8221; Debt Settlement)</title>
		<link>http://www.debtgotoguy.com/debt-settlement/how-can-i-settle-credit-card-debt-myself/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/how-can-i-settle-credit-card-debt-myself/#comments</comments>
		<pubDate>Sat, 05 Dec 2009 15:28:49 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Debt Negotiation]]></category>
		<category><![CDATA[Do It Yourself]]></category>
		<category><![CDATA[How To]]></category>
		<category><![CDATA[Settle Debt]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=247</guid>
		<description><![CDATA[I&#8217;m often asked, &#8220;How can I settle credit card debt myself?&#8221; This is a great question. There&#8217;s lots of info floating around about this; some good info mixed with some dangerously incomplete info&#8230; And watch out for all the bad and inaccurate info! Here&#8217;s a quick step-by-step guide for you to accomplish your goal of [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/how-can-i-settle-credit-card-debt-myself/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Will Debt Settlement Hurt My Credit Score? (The Whole Story About How Debt Settlement Affects Your Credit Finally Revealed)</title>
		<link>http://www.debtgotoguy.com/debt-settlement/how-debt-settlement-affects-credit-score/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/how-debt-settlement-affects-credit-score/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 23:34:31 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Credit Help]]></category>
		<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=245</guid>
		<description><![CDATA[Debt Settlement Causes Credit Scores To Jump 74-130 Points? Let&#8217;s take a look at an example of two clients, James and Anne of Laguna Hills, California, who cut their $55,000.00+ credit card debt down to just $29,817 (including fees) through debt settlement. Only 18 months after beginning their debt settlement program, they were debt free [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/how-debt-settlement-affects-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Settlement Advice &#8211; For People With High Credit Scores</title>
		<link>http://www.debtgotoguy.com/debt-settlement/debt-settlement-advice-for-people-with-high-credit-scores/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/debt-settlement-advice-for-people-with-high-credit-scores/#comments</comments>
		<pubDate>Tue, 14 Jul 2009 14:00:25 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Credit Help]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Debt Payoff Plans]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=255</guid>
		<description><![CDATA[Let&#8217;s start with your situation&#8230; The fact that you have high credit scores and have not fallen behind means you have something to lose (your perfect payment history) if you choose debt settlement. But, let&#8217;s first get clear about exactly how your credit will be affected, because along with the negative impact to your payment [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/debt-settlement-advice-for-people-with-high-credit-scores/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New York Attorney General&#8217;s Debt Settlement Investigation</title>
		<link>http://www.debtgotoguy.com/debt-settlement/new-york-attorney-generals-debt-settlement-investigation/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/new-york-attorney-generals-debt-settlement-investigation/#comments</comments>
		<pubDate>Fri, 08 May 2009 06:33:31 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=507</guid>
		<description><![CDATA[ATTORNEY GENERAL CUOMO ANNOUNCES NATIONWIDE INVESTIGATION INTO DEBT SETTLEMENT INDUSTRY Subpoenas Fourteen Debt Settlement Companies and One Law Firm in Connection with Probe Debt Settlement Companies Often Charge Huge Fees for Misleading Plans, Suggest Selling Blood Plasma to Raise Funds, and Leave Consumers in Worse Financial ShapeNEW YORK, NY (May 7, 2009) &#8211; Attorney General [...]]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/new-york-attorney-generals-debt-settlement-investigation/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What is Debt Settlement?</title>
		<link>http://www.debtgotoguy.com/debt-settlement/what-is-debt-settlement/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/what-is-debt-settlement/#comments</comments>
		<pubDate>Mon, 19 Jan 2009 16:15:37 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=851</guid>
		<description><![CDATA[Debt settlement, also known as debt negotiation, debt arbitration or debt workout, is an aggressive approach to debt reduction in which the creditor agrees on a reduced amount, paid by debtor, as payment in full.]]></description>
		<wfw:commentRss>http://www.debtgotoguy.com/debt-settlement/what-is-debt-settlement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TASC Response to the BBB Position on Debt Settlement</title>
		<link>http://www.debtgotoguy.com/debt-settlement/tasc-response-to-the-bbb-position-on-debt-settlement/</link>
		<comments>http://www.debtgotoguy.com/debt-settlement/tasc-response-to-the-bbb-position-on-debt-settlement/#comments</comments>
		<pubDate>Fri, 16 Jan 2009 07:32:54 +0000</pubDate>
		<dc:creator>Jesse Niesen</dc:creator>
				<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Debt Negotiation]]></category>

		<guid isPermaLink="false">http://debtgotoguy.com/?p=514</guid>
		<description><![CDATA[Jan 15, 09 January 6, 2009 Stephen J. Cole President and CEO Council of Better Business Bureaus, Inc. 4200 Wilson Boulevard, Suite 800 Arlington, VA 22203-1838 Dear Mr. Cole: I write on behalf of The Association of Settlement Companies (TASC) regarding the Better Business Bureau’s policy on the rating of debt settlement companies. TASC is [...]]]></description>
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