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	<title>Direct Debt Recovery</title>
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	<link>http://www.directdebtrecovery.com</link>
	<description>Get Debt Consolidation Help, Take Control Of Your Finances</description>
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		<title>Consumer credit card debt rises in 2012 &#8211; Arm yourself and avoid getting scammed</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-online-advise/consumer-credit-card-debt-rises-in-2012-arm-yourself-and-avoid-getting-scammed</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-online-advise/consumer-credit-card-debt-rises-in-2012-arm-yourself-and-avoid-getting-scammed#comments</comments>
		<pubDate>Wed, 22 Feb 2012 14:58:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Consolidation Online Advise]]></category>
		<category><![CDATA[credit card consolidation]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/?p=424</guid>
		<description><![CDATA[According to a recent Federal report, the consumer credit card debt in the US is again on the rise in 2012 after the long recession-spurred decline. Revolving debt that mainly comprises of credit card debt increased at an annual rate of 4.5% in the last month of 2011, rising from a shocking $3 billion to<a href="http://www.directdebtrecovery.com/debt-consolidation-online-advise/consumer-credit-card-debt-rises-in-2012-arm-yourself-and-avoid-getting-scammed">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Latest Debt News Here!</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-online-advise/latest-debt-news-here</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-online-advise/latest-debt-news-here#comments</comments>
		<pubDate>Mon, 20 Feb 2012 16:38:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Consolidation Online Advise]]></category>
		<category><![CDATA[Debt News]]></category>
		<category><![CDATA[ThinkMoney]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/?p=416</guid>
		<description><![CDATA[If you want to know the latest debt news, all you need to do is stay here and read them. Read more&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personal insolvencies at three-year low</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-online-advise/personal-insolvencies-at-three-year-low</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-online-advise/personal-insolvencies-at-three-year-low#comments</comments>
		<pubDate>Thu, 16 Feb 2012 03:05:11 +0000</pubDate>
		<dc:creator>Milton Fransen</dc:creator>
				<category><![CDATA[Debt Consolidation Online Advise]]></category>
		<category><![CDATA[Low]]></category>
		<category><![CDATA[Personal Insolvencies]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-online-advise/personal-insolvencies-at-three-year-low</guid>
		<description><![CDATA[The number of personal insolvencies in England and Wales fell to a three-year low in 2011, despite tough economic conditions, official figures show. However, analysis by credit referencing agency Experian suggests that in some regions the number increased. A total of 28,973 individual insolvencies were declared between October and December, a 5.6% decrease on the<a href="http://www.directdebtrecovery.com/debt-consolidation-online-advise/personal-insolvencies-at-three-year-low">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Watch out for more bank fees</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-care/watch-out-for-more-bank-fees</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-care/watch-out-for-more-bank-fees#comments</comments>
		<pubDate>Mon, 13 Feb 2012 03:18:29 +0000</pubDate>
		<dc:creator>Ray Denby</dc:creator>
				<category><![CDATA[Debt Consolidation Care]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Bank Fees]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-care/watch-out-for-more-bank-fees</guid>
		<description><![CDATA[Sure, it&#8217;s really great that Bank of America canceled plans to start charging a monthly fee for paying with your debit card. Consumer pushback workedâ€”what a victory!â€”proving that you are your own best advocate. Now, more than ever, it&#8217;s time to watch your bank like a hawk. For tips on how to avoid fees, plus<a href="http://www.directdebtrecovery.com/debt-consolidation-care/watch-out-for-more-bank-fees">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Inflation drop may help debt consolidation aims</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-care/inflation-drop-may-help-debt-consolidation-aims</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-care/inflation-drop-may-help-debt-consolidation-aims#comments</comments>
		<pubDate>Mon, 13 Feb 2012 02:21:19 +0000</pubDate>
		<dc:creator>Carl Mebane</dc:creator>
				<category><![CDATA[Debt Consolidation Care]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Consolidation]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-care/inflation-drop-may-help-debt-consolidation-aims</guid>
		<description><![CDATA[Consumers keen to consolidate their debts may find they are better able to do so because of an ongoing fall in the cost of living. One contributory factor is the cost of manufactured goods in the UK and the latest Producer Price Index released by the Office for National Statistics has revealed that this increased<a href="http://www.directdebtrecovery.com/debt-consolidation-care/inflation-drop-may-help-debt-consolidation-aims">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying Off Student Loans</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-care/paying-off-student-loans</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-care/paying-off-student-loans#comments</comments>
		<pubDate>Thu, 09 Feb 2012 14:47:27 +0000</pubDate>
		<dc:creator>Carl Mebane</dc:creator>
				<category><![CDATA[Debt Consolidation Care]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Student Loans]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-care/paying-off-student-loans</guid>
		<description><![CDATA[Looking fÐ¾r ways tÐ¾ pay Ð¾ff student loans? After ÑƒÐ¾u complete college, ÑƒÐ¾u main focus Ñ–s gaining adequate employment Ñ–n Ñƒour chosen field. But fÐ¾r fÐ°r tÐ¾Ð¾ many, the stress of paying Ð¾ff college debt is exhausting. Entry and mid-level positions often times simply do nÐ¾t pay enough tÐ¾ quickly pay dÐ¾wn student loans; ÐµsÑ€ÐµciÐ°lly<a href="http://www.directdebtrecovery.com/debt-consolidation-care/paying-off-student-loans">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Justice served? Credit card thief is robbed</title>
		<link>http://www.directdebtrecovery.com/financial-resources/justice-served-credit-card-thief-is-robbed</link>
		<comments>http://www.directdebtrecovery.com/financial-resources/justice-served-credit-card-thief-is-robbed#comments</comments>
		<pubDate>Thu, 09 Feb 2012 07:16:01 +0000</pubDate>
		<dc:creator>Ray Denby</dc:creator>
				<category><![CDATA[Financial Resources]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Robbed]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/financial-resources/justice-served-credit-card-thief-is-robbed</guid>
		<description><![CDATA[Once again in our latest round up of unusual credit card crimes, we see that other than some free room and board (i.e., jail), crime really doesn&#8217;t pay. Crook gets robbed What&#8217;s the world coming to these days? I remember the good old days when a thief could go about his business without getting robbed.<a href="http://www.directdebtrecovery.com/financial-resources/justice-served-credit-card-thief-is-robbed">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting Loan: Consider interest rate</title>
		<link>http://www.directdebtrecovery.com/financial-resources/getting-loan-consider-interest-rate</link>
		<comments>http://www.directdebtrecovery.com/financial-resources/getting-loan-consider-interest-rate#comments</comments>
		<pubDate>Sun, 05 Feb 2012 12:43:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Resources]]></category>
		<category><![CDATA[Getting Loan]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/?p=405</guid>
		<description><![CDATA[If you are thinking of getting a loan for either your personal usage or the business, you need to consider some of the vital aspects, which need your attention before you make any deal. Whenever getting into a deal with any of the financial institution like bank for a financial loan, the most vital concept,<a href="http://www.directdebtrecovery.com/financial-resources/getting-loan-consider-interest-rate">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Forgiven Debt Not Be Included in Income?</title>
		<link>http://www.directdebtrecovery.com/financial-resources/can-forgiven-debt-not-be-included-in-income</link>
		<comments>http://www.directdebtrecovery.com/financial-resources/can-forgiven-debt-not-be-included-in-income#comments</comments>
		<pubDate>Fri, 20 Jan 2012 05:48:06 +0000</pubDate>
		<dc:creator>Ray Denby</dc:creator>
				<category><![CDATA[Financial Resources]]></category>
		<category><![CDATA[Forgiven Debt]]></category>
		<category><![CDATA[Income]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/financial-resources/can-forgiven-debt-not-be-included-in-income</guid>
		<description><![CDATA[Duluth/Gwinnett/Norcross CPA: Can Forgiven Debt Not Be Included in Income? What Qualifies as Exclusion for Income for Forgiven Debt? How do I find out how much debt was forgiven? If your debt was forgiven the lender of that debt should notify you with IRS From 1099-C, Cancellation of Debt which is to be issued for<a href="http://www.directdebtrecovery.com/financial-resources/can-forgiven-debt-not-be-included-in-income">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Consumers Union Urges Fed to Require Banks to Roll Back Recent Unfair Credit Card Interest Rate Hikes</title>
		<link>http://www.directdebtrecovery.com/financial-resources/consumers-union-urges-fed-to-require-banks-to-roll-back-recent-unfair-credit-card-interest-rate-hikes</link>
		<comments>http://www.directdebtrecovery.com/financial-resources/consumers-union-urges-fed-to-require-banks-to-roll-back-recent-unfair-credit-card-interest-rate-hikes#comments</comments>
		<pubDate>Wed, 18 Jan 2012 14:26:32 +0000</pubDate>
		<dc:creator>Ray Denby</dc:creator>
				<category><![CDATA[Financial Resources]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Interest Rate]]></category>
		<category><![CDATA[Rate]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/financial-resources/consumers-union-urges-fed-to-require-banks-to-roll-back-recent-unfair-credit-card-interest-rate-hikes</guid>
		<description><![CDATA[After Congress passed legislation last year reining in some of the worst credit card lending practices, many banks responded by hiking interest rates before the new rules went into effect, including on customers with perfect bill paying records. Now Consumers Union, the nonprofit publisher of Consumer Reports, is calling on the Federal Reserve Board to<a href="http://www.directdebtrecovery.com/financial-resources/consumers-union-urges-fed-to-require-banks-to-roll-back-recent-unfair-credit-card-interest-rate-hikes">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Head of CFPB can expect heavy fire</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-online-advise/head-of-cfpb-can-expect-heavy-fire</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-online-advise/head-of-cfpb-can-expect-heavy-fire#comments</comments>
		<pubDate>Sun, 15 Jan 2012 11:55:01 +0000</pubDate>
		<dc:creator>Milton Fransen</dc:creator>
				<category><![CDATA[Debt Consolidation Online Advise]]></category>
		<category><![CDATA[Fire]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-online-advise/head-of-cfpb-can-expect-heavy-fire</guid>
		<description><![CDATA[President Barack Obama recently installed a top executive for the new government agency tasked with protecting consumers from predatory or misleading lending practices, and has drawn considerable fire for doing so. Now, some say the complaints could lead to lawsuits. The appointment of former Ohio attorney general Richard Cordray to the top role with the<a href="http://www.directdebtrecovery.com/debt-consolidation-online-advise/head-of-cfpb-can-expect-heavy-fire">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Beware Fake Debts from Collection Agencies</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-care/beware-fake-debts-from-collection-agencies</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-care/beware-fake-debts-from-collection-agencies#comments</comments>
		<pubDate>Sun, 15 Jan 2012 03:31:37 +0000</pubDate>
		<dc:creator>Carl Mebane</dc:creator>
				<category><![CDATA[Debt Consolidation Care]]></category>
		<category><![CDATA[Collection]]></category>
		<category><![CDATA[Collection Agencies]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-care/beware-fake-debts-from-collection-agencies</guid>
		<description><![CDATA[If youâ€™re already in debt and contacted by a collection agency, it might be easy to believe the collection agent is pursuing you for a debt you really created. Even if you donâ€™t remember the debt, a collector could have enough information to convince you that itâ€™s real. However, debt collectors have been known to<a href="http://www.directdebtrecovery.com/debt-consolidation-care/beware-fake-debts-from-collection-agencies">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The only way is debt collection for Essex libraries</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-care/the-only-way-is-debt-collection-for-essex-libraries</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-care/the-only-way-is-debt-collection-for-essex-libraries#comments</comments>
		<pubDate>Tue, 10 Jan 2012 22:44:34 +0000</pubDate>
		<dc:creator>Carl Mebane</dc:creator>
				<category><![CDATA[Debt Consolidation Care]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Essex]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-care/the-only-way-is-debt-collection-for-essex-libraries</guid>
		<description><![CDATA[Residents of Essex who have debts may be facing more problems if they have any unpaid library fines. The county council has employed the services of American debt collection agency Unique Management Services (UMS) to chase up unpaid fines on items that have not been returned on time. It has taken on the firm on<a href="http://www.directdebtrecovery.com/debt-consolidation-care/the-only-way-is-debt-collection-for-essex-libraries">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Behavior Gap</title>
		<link>http://www.directdebtrecovery.com/financial-resources/the-behavior-gap</link>
		<comments>http://www.directdebtrecovery.com/financial-resources/the-behavior-gap#comments</comments>
		<pubDate>Sun, 08 Jan 2012 02:37:13 +0000</pubDate>
		<dc:creator>Ray Denby</dc:creator>
				<category><![CDATA[Financial Resources]]></category>
		<category><![CDATA[Gap]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/financial-resources/the-behavior-gap</guid>
		<description><![CDATA[Image courtesy of Carl Richards, BehaviorGap.com As a financial journalist, one of my goals has always been to take confusing, tricky, overwhelming information and explain it in simple language that even my friends can understand! Â  No one does this better than Carl Richards, a Certified Financial Planner in Park City, Utah who&#8217;s famous for<a href="http://www.directdebtrecovery.com/financial-resources/the-behavior-gap">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Charities press for ringfencing of money for vulnerable people</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-online-advise/charities-press-for-ringfencing-of-money-for-vulnerable-people</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-online-advise/charities-press-for-ringfencing-of-money-for-vulnerable-people#comments</comments>
		<pubDate>Sat, 07 Jan 2012 12:31:56 +0000</pubDate>
		<dc:creator>Milton Fransen</dc:creator>
				<category><![CDATA[Debt Consolidation Online Advise]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Vulnerable People]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-online-advise/charities-press-for-ringfencing-of-money-for-vulnerable-people</guid>
		<description><![CDATA[Plans to hand control of crisis funds for vulnerable people to local authorities, while cutting the money available, risk driving the destitute into the hands of loan sharks and forcing victims of domestic violence to stay with abusive partners, a coalition of charities warns today. In a letter to the Guardian, the 20-strong group, which<a href="http://www.directdebtrecovery.com/debt-consolidation-online-advise/charities-press-for-ringfencing-of-money-for-vulnerable-people">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Let Old Transactions Be Forgot â€“ Modernizing Debt Relief Resolutions</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-online-advise/let-old-transactions-be-forgot-modernizing-debt-relief-resolutions</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-online-advise/let-old-transactions-be-forgot-modernizing-debt-relief-resolutions#comments</comments>
		<pubDate>Wed, 04 Jan 2012 00:32:11 +0000</pubDate>
		<dc:creator>Milton Fransen</dc:creator>
				<category><![CDATA[Debt Consolidation Online Advise]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Forgot Modernizing]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-online-advise/let-old-transactions-be-forgot-modernizing-debt-relief-resolutions</guid>
		<description><![CDATA[If youve already signed up with a credit counseling company or a debt settlement agency for assistance, youve probably already heard enough pieces of advice to last the next century, but, for the poor souls trying to dig their way out of the debt relief abyss by themselves, we humbly offer the following tricks of<a href="http://www.directdebtrecovery.com/debt-consolidation-online-advise/let-old-transactions-be-forgot-modernizing-debt-relief-resolutions">  [ Read More ]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Discharge Student Loans in Bankruptcy!</title>
		<link>http://www.directdebtrecovery.com/debt-consolidation-care/discharge-student-loans-in-bankruptcy</link>
		<comments>http://www.directdebtrecovery.com/debt-consolidation-care/discharge-student-loans-in-bankruptcy#comments</comments>
		<pubDate>Mon, 02 Jan 2012 20:03:05 +0000</pubDate>
		<dc:creator>Carl Mebane</dc:creator>
				<category><![CDATA[Debt Consolidation Care]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Student Loans]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/debt-consolidation-care/discharge-student-loans-in-bankruptcy</guid>
		<description><![CDATA[One of the mostÂ citedÂ grievances to come out of Occupy Wall Street is the crushing burden of student loans.Â I have had a couple of guest posts on the topic including one from Tim Smith who blogs on the Echo Boom.Â  Here, now, is a piece by Â Alan Collings, who has been devoting himself to the issue.<a href="http://www.directdebtrecovery.com/debt-consolidation-care/discharge-student-loans-in-bankruptcy">  [ Read More ]</a>]]></description>
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		<title>Are you impatient? Your credit score may be suffering</title>
		<link>http://www.directdebtrecovery.com/financial-resources/are-you-impatient-your-credit-score-may-be-suffering</link>
		<comments>http://www.directdebtrecovery.com/financial-resources/are-you-impatient-your-credit-score-may-be-suffering#comments</comments>
		<pubDate>Fri, 30 Dec 2011 23:31:40 +0000</pubDate>
		<dc:creator>Ray Denby</dc:creator>
				<category><![CDATA[Financial Resources]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Score]]></category>

		<guid isPermaLink="false">http://www.directdebtrecovery.com/financial-resources/are-you-impatient-your-credit-score-may-be-suffering</guid>
		<description><![CDATA[Impatient people have lower credit scores. If you think about it, this is pretty self-evident, and if it wasn&#8217;t obvious to you, it&#8217;s probably news you could have used before the holiday shopping onslaught, and not after when you&#8217;re in full-throttle bill paying mode. Nevertheless, a study, which debuts in the January issue of Psychological<a href="http://www.directdebtrecovery.com/financial-resources/are-you-impatient-your-credit-score-may-be-suffering">  [ Read More ]</a>]]></description>
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