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	<title>Comments for Averill Park NY Real Estate Information</title>
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	<description>Homes for Sale / Community information / Hosted by Holli Boyd, NYS Lic. Associate Broker</description>
	<pubDate>Thu, 20 Nov 2008 17:51:17 +0000</pubDate>
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		<title>Comment on Credit Counseling - Do It Before Bankruptcy or Foreclosure by Real Estate Secret Info &#187; Blog Archive &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</title>
		<link>http://holliboyd.com/2008/10/credit-counseling-do-it-before-bankruptcy-or-foreclosure/#comment-320</link>
		<dc:creator>Real Estate Secret Info &#187; Blog Archive &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</dc:creator>
		<pubDate>Wed, 29 Oct 2008 15:43:19 +0000</pubDate>
		<guid isPermaLink="false">http://holliboyd.com/?p=779#comment-320</guid>
		<description>[...] Holli wrote an interesting post today onCredit Counseling - Do It Before Bankruptcy or ForeclosureHere&#8217;s a quick excerptThe advice to refinance her house to pay off her credit card debt was an overused strategy from the real estate boom that has homeowners who owe more than their houses are worth wondering why they ever thought that was wise. &#8230; [...]</description>
		<content:encoded><![CDATA[<p>[...] Holli wrote an interesting post today onCredit Counseling - Do It Before Bankruptcy or ForeclosureHere&#8217;s a quick excerptThe advice to refinance her house to pay off her credit card debt was an overused strategy from the real estate boom that has homeowners who owe more than their houses are worth wondering why they ever thought that was wise. &#8230; [...]</p>
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		<title>Comment on Credit Counseling - Do It Before Bankruptcy or Foreclosure by &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</title>
		<link>http://holliboyd.com/2008/10/credit-counseling-do-it-before-bankruptcy-or-foreclosure/#comment-319</link>
		<dc:creator>&#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</dc:creator>
		<pubDate>Wed, 29 Oct 2008 15:42:27 +0000</pubDate>
		<guid isPermaLink="false">http://holliboyd.com/?p=779#comment-319</guid>
		<description>[...] But counselors and bankruptcy attorneys interviewed for the GAO study estimated that fewer than 2% of pre-filing credit counseling clients enter debt management plans instead of bankruptcy. Credit Counseling - Do It Before Bankruptcy or Foreclosure [...]</description>
		<content:encoded><![CDATA[<p>[...] But counselors and bankruptcy attorneys interviewed for the GAO study estimated that fewer than 2% of pre-filing credit counseling clients enter debt management plans instead of bankruptcy. Credit Counseling - Do It Before Bankruptcy or Foreclosure [...]</p>
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		<title>Comment on Credit Counseling - Do It Before Bankruptcy or Foreclosure by Credit Check On Credit Speak &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</title>
		<link>http://holliboyd.com/2008/10/credit-counseling-do-it-before-bankruptcy-or-foreclosure/#comment-318</link>
		<dc:creator>Credit Check On Credit Speak &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</dc:creator>
		<pubDate>Wed, 29 Oct 2008 15:40:23 +0000</pubDate>
		<guid isPermaLink="false">http://holliboyd.com/?p=779#comment-318</guid>
		<description>[...] Credit Counseling - Do It Before Bankruptcy or Foreclosure By the time Sherman sat down for her counseling, none of the cookie-cutter bankruptcy alternatives listed by the online counseling program made sense. Transferring credit card debt to another card with a 0% interest rate offer, &#8230; [...]</description>
		<content:encoded><![CDATA[<p>[...] Credit Counseling - Do It Before Bankruptcy or Foreclosure By the time Sherman sat down for her counseling, none of the cookie-cutter bankruptcy alternatives listed by the online counseling program made sense. Transferring credit card debt to another card with a 0% interest rate offer, &#8230; [...]</p>
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		<title>Comment on Credit Counseling - Do It Before Bankruptcy or Foreclosure by The Best Real Estate Info &#187; Blog Archive &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</title>
		<link>http://holliboyd.com/2008/10/credit-counseling-do-it-before-bankruptcy-or-foreclosure/#comment-317</link>
		<dc:creator>The Best Real Estate Info &#187; Blog Archive &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</dc:creator>
		<pubDate>Wed, 29 Oct 2008 15:36:32 +0000</pubDate>
		<guid isPermaLink="false">http://holliboyd.com/?p=779#comment-317</guid>
		<description>[...] Holli wrote an interesting post today onCredit Counseling - Do It Before Bankruptcy or ForeclosureHere&#8217;s a quick excerptThe advice to refinance her house to pay off her credit card debt was an overused strategy from the real estate boom that has homeowners who owe more than their houses are worth wondering why they ever thought that was wise. &#8230; [...]</description>
		<content:encoded><![CDATA[<p>[...] Holli wrote an interesting post today onCredit Counseling - Do It Before Bankruptcy or ForeclosureHere&#8217;s a quick excerptThe advice to refinance her house to pay off her credit card debt was an overused strategy from the real estate boom that has homeowners who owe more than their houses are worth wondering why they ever thought that was wise. &#8230; [...]</p>
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		<title>Comment on Credit Counseling - Do It Before Bankruptcy or Foreclosure by Business Credit On Credit Speak &#187; Blog Archive &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</title>
		<link>http://holliboyd.com/2008/10/credit-counseling-do-it-before-bankruptcy-or-foreclosure/#comment-316</link>
		<dc:creator>Business Credit On Credit Speak &#187; Blog Archive &#187; Credit Counseling - Do It Before Bankruptcy or Foreclosure</dc:creator>
		<pubDate>Wed, 29 Oct 2008 15:36:06 +0000</pubDate>
		<guid isPermaLink="false">http://holliboyd.com/?p=779#comment-316</guid>
		<description>[...] Credit Counseling - Do It Before Bankruptcy or Foreclosure “I panicked, closed my eyes and ran” from piles of credit card bills, she explains during the counseling. Sherman readily admits that her downfall was accepting the preapproved credit card offers she received in the mail. &#8230; [...]</description>
		<content:encoded><![CDATA[<p>[...] Credit Counseling - Do It Before Bankruptcy or Foreclosure “I panicked, closed my eyes and ran” from piles of credit card bills, she explains during the counseling. Sherman readily admits that her downfall was accepting the preapproved credit card offers she received in the mail. &#8230; [...]</p>
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