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	<title>Comments for Credit Card Debt - How to Avoid It</title>
	<atom:link href="http://www.credit--carddebt.com/comments/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.credit--carddebt.com</link>
	<description>Debt can ruin your life</description>
	<lastBuildDate>Fri, 30 Jul 2010 17:53:11 -0400</lastBuildDate>
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		<title>Comment on Legislature and Credit Card Debt by bankruptcyattorney</title>
		<link>http://www.credit--carddebt.com/legislature-and-credit-card-debt/comment-page-1/#comment-459</link>
		<dc:creator>bankruptcyattorney</dc:creator>
		<pubDate>Fri, 30 Jul 2010 17:53:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/legislature-and-credit-card-debt/#comment-459</guid>
		<description>Sorry, Stve70 Credit counseling is asking your creditors if they will take a reduction. Bankruptcy is telling your creditors you will take a reduction.  
Great, go ASK the person who just forced you to take an interest rate at 37%  if they will reduce your debt.  Better yet go ask all of these thieving banks at the same time if they will all voluntarily take a cut and when that happens call me because I want to skate on hells pond.  Credit counseling does not work.</description>
		<content:encoded><![CDATA[<p>Sorry, Stve70 Credit counseling is asking your creditors if they will take a reduction. Bankruptcy is telling your creditors you will take a reduction.<br />
Great, go ASK the person who just forced you to take an interest rate at 37%  if they will reduce your debt.  Better yet go ask all of these thieving banks at the same time if they will all voluntarily take a cut and when that happens call me because I want to skate on hells pond.  Credit counseling does not work.</p>
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		<title>Comment on How do I reduce my Credit Card Debt? by jlf</title>
		<link>http://www.credit--carddebt.com/how-do-i-reduce-my-credit-card-debt/comment-page-1/#comment-116</link>
		<dc:creator>jlf</dc:creator>
		<pubDate>Fri, 30 Jul 2010 12:37:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/how-do-i-reduce-my-credit-card-debt/#comment-116</guid>
		<description>No, you need to cut back your spending and lifestyle. and increase your income.</description>
		<content:encoded><![CDATA[<p>No, you need to cut back your spending and lifestyle. and increase your income.</p>
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		<title>Comment on Legislature and Credit Card Debt by bankruptcyattorney</title>
		<link>http://www.credit--carddebt.com/legislature-and-credit-card-debt/comment-page-1/#comment-458</link>
		<dc:creator>bankruptcyattorney</dc:creator>
		<pubDate>Thu, 29 Jul 2010 20:37:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/legislature-and-credit-card-debt/#comment-458</guid>
		<description>If you are teaching people to do negotiate their debt themselves then I have no issue with what you are saying.  I do not believe in the companies that take peoples money upfront and offer the service to them.</description>
		<content:encoded><![CDATA[<p>If you are teaching people to do negotiate their debt themselves then I have no issue with what you are saying.  I do not believe in the companies that take peoples money upfront and offer the service to them.</p>
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		<title>Comment on How to Avoid Credit Card Debt by beastking816</title>
		<link>http://www.credit--carddebt.com/how-to-avoid-credit-card-debt/comment-page-1/#comment-404</link>
		<dc:creator>beastking816</dc:creator>
		<pubDate>Thu, 29 Jul 2010 15:39:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/how-to-avoid-credit-card-debt/#comment-404</guid>
		<description>Exactly!  Who really needs a credit card anyway?</description>
		<content:encoded><![CDATA[<p>Exactly!  Who really needs a credit card anyway?</p>
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		<title>Comment on How do I reduce my Credit Card Debt? by Judy</title>
		<link>http://www.credit--carddebt.com/how-do-i-reduce-my-credit-card-debt/comment-page-1/#comment-115</link>
		<dc:creator>Judy</dc:creator>
		<pubDate>Thu, 29 Jul 2010 11:41:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/how-do-i-reduce-my-credit-card-debt/#comment-115</guid>
		<description>I&#039;ve heard that most major towns have a National Consumer Credit Councelling office.  
You can look it up in the phone book or online.
If they charge more than $25/month it&#039;s a scam - most people get this service for free from the government.

Also, there are a lot of books on debt reduction and negotiation at the library.  
You can also try a bookstore.
They teach you how to lower interest rates, haggle with them, and negotiate.

Whatever you do, do not ever go with a debt negotiation/consolidation  service.
You will regret it for years to come.
/</description>
		<content:encoded><![CDATA[<p>I&#8217;ve heard that most major towns have a National Consumer Credit Councelling office.<br />
You can look it up in the phone book or online.<br />
If they charge more than $25/month it&#8217;s a scam &#8211; most people get this service for free from the government.</p>
<p>Also, there are a lot of books on debt reduction and negotiation at the library.<br />
You can also try a bookstore.<br />
They teach you how to lower interest rates, haggle with them, and negotiate.</p>
<p>Whatever you do, do not ever go with a debt negotiation/consolidation  service.<br />
You will regret it for years to come.<br />
/</p>
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		<title>Comment on How to Avoid Credit Card Debt by ijustkeepitreal</title>
		<link>http://www.credit--carddebt.com/how-to-avoid-credit-card-debt/comment-page-1/#comment-403</link>
		<dc:creator>ijustkeepitreal</dc:creator>
		<pubDate>Thu, 29 Jul 2010 10:30:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/how-to-avoid-credit-card-debt/#comment-403</guid>
		<description>Yeah me too!</description>
		<content:encoded><![CDATA[<p>Yeah me too!</p>
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		<title>Comment on Is the SOL on credit card debt determined by the state you currently live in or where the debt originated? by greg</title>
		<link>http://www.credit--carddebt.com/is-the-sol-on-credit-card-debt-determined-by-the-state-you-currently-live-in-or-where-the-debt-originated/comment-page-1/#comment-31</link>
		<dc:creator>greg</dc:creator>
		<pubDate>Tue, 27 Jul 2010 21:55:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/is-the-sol-on-credit-card-debt-determined-by-the-state-you-currently-live-in-or-where-the-debt-originated/#comment-31</guid>
		<description>Hi,
I used Credit Solution to settle my debt.They managed to reduce my debt up to 58%.It&#039;s legitimate.I came accross this company on NBC.Check it out here:</description>
		<content:encoded><![CDATA[<p>Hi,<br />
I used Credit Solution to settle my debt.They managed to reduce my debt up to 58%.It&#8217;s legitimate.I came accross this company on NBC.Check it out here:</p>
]]></content:encoded>
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		<title>Comment on How do I reduce my Credit Card Debt? by HEATHER</title>
		<link>http://www.credit--carddebt.com/how-do-i-reduce-my-credit-card-debt/comment-page-1/#comment-114</link>
		<dc:creator>HEATHER</dc:creator>
		<pubDate>Tue, 27 Jul 2010 07:51:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/how-do-i-reduce-my-credit-card-debt/#comment-114</guid>
		<description>There really is no solution to this other than to start throwing more money at them.  Downgrade your car if you can.  Get rid of the cable tv. No more eating out or going to the movies.  Get a second job a couple of nights per week.  If you are renting move to a cheaper place.  If you can get a roommate, get one.</description>
		<content:encoded><![CDATA[<p>There really is no solution to this other than to start throwing more money at them.  Downgrade your car if you can.  Get rid of the cable tv. No more eating out or going to the movies.  Get a second job a couple of nights per week.  If you are renting move to a cheaper place.  If you can get a roommate, get one.</p>
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		<title>Comment on How to Avoid Credit Card Debt by rdaws73</title>
		<link>http://www.credit--carddebt.com/how-to-avoid-credit-card-debt/comment-page-1/#comment-402</link>
		<dc:creator>rdaws73</dc:creator>
		<pubDate>Mon, 26 Jul 2010 11:12:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/how-to-avoid-credit-card-debt/#comment-402</guid>
		<description>How about you don&#039;t buy shit you don&#039;t need and can&#039;t afford???</description>
		<content:encoded><![CDATA[<p>How about you don&#8217;t buy shit you don&#8217;t need and can&#8217;t afford???</p>
]]></content:encoded>
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		<title>Comment on How do I go about eliminating my credit card debt? by tod_gakk</title>
		<link>http://www.credit--carddebt.com/how-do-i-go-about-eliminating-my-credit-card-debt/comment-page-1/#comment-136</link>
		<dc:creator>tod_gakk</dc:creator>
		<pubDate>Sun, 25 Jul 2010 18:25:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.credit--carddebt.com/how-do-i-go-about-eliminating-my-credit-card-debt/#comment-136</guid>
		<description>If somebody mentions that affiliatetier site I am going to freak out.  I am tired of those bozos promoting that garbage.</description>
		<content:encoded><![CDATA[<p>If somebody mentions that affiliatetier site I am going to freak out.  I am tired of those bozos promoting that garbage.</p>
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