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	<title>Debt Free Ohio</title>
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	<description>"Get the Facts" (sm) about Debt Relief &#38; Bankruptcy</description>
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		<title>Bankruptcy does not destroy credit, sometimes makes it better</title>
		<link>http://www.debtfreeohioblog.com/2010/01/bankruptcy-does-not-destroy-credit-sometimes-makes-it-better/</link>
		<comments>http://www.debtfreeohioblog.com/2010/01/bankruptcy-does-not-destroy-credit-sometimes-makes-it-better/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 21:55:56 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[car loan after bankruptcy]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[qualify for credit]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=77</guid>
		<description><![CDATA[Bankruptcy does not impair your credit they way most people think. Most of our clients are getting loans for cars and houses one to two years after their bankruptcy. Bankruptcy can actually improve your credit by immediately improving your debt to income ratio. If you suddenly have little or no debt due to your bankruptcy [...]]]></description>
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		<title>Chapter 7 Bankruptcy You won&#8217;t lose property</title>
		<link>http://www.debtfreeohioblog.com/2010/01/chapter-7-bankruptcy-you-wont-lose-property/</link>
		<comments>http://www.debtfreeohioblog.com/2010/01/chapter-7-bankruptcy-you-wont-lose-property/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 21:54:22 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[chapter 7 bankruptcy]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=75</guid>
		<description><![CDATA[In Chapter 7 bankruptcy, most people do not lose any property. Most keep property in chapter 7. Normally exemptions protect property from loss in chapter 7.
]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Chapter 13 Bankruptcy &#8211; How it works</title>
		<link>http://www.debtfreeohioblog.com/2010/01/chapter-13-bankruptcy-how-it-works/</link>
		<comments>http://www.debtfreeohioblog.com/2010/01/chapter-13-bankruptcy-how-it-works/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 21:52:37 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[consumer bankruptcy]]></category>
		<category><![CDATA[personal bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=73</guid>
		<description><![CDATA[Chapter 13 bankruptcy is a powerful, flexible plan to wipe out debt, pay off cars and other property, catch up missed payments on mortgages and do it with a payment that you can afford. You don&#8217;t negotiate with creditors, the Court TELLS them how much they get.
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		<slash:comments>0</slash:comments>
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		<title>Debt consolidation only works if you don&#8217;t owe too much</title>
		<link>http://www.debtfreeohioblog.com/2010/01/debt-consolidation-only-works-if-you-dont-owe-too-much/</link>
		<comments>http://www.debtfreeohioblog.com/2010/01/debt-consolidation-only-works-if-you-dont-owe-too-much/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 21:47:58 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[consumer bankruptcy]]></category>
		<category><![CDATA[personal bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=71</guid>
		<description><![CDATA[Debt consolidation loans only work in some situations. Borrowing money to pay bills won&#8217;t work for most people, and frequently only ends up in you owing more. Most people who are considering debt consolidation are better off looking into a chapter 13. If all you need is a lower interest rate, then it may work [...]]]></description>
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		<title>Debt Relief is ALL we do! 100% Satisfaction Guarantee!</title>
		<link>http://www.debtfreeohioblog.com/2009/12/debt-relief-is-all-we-do-100-satisfaction-guarantee/</link>
		<comments>http://www.debtfreeohioblog.com/2009/12/debt-relief-is-all-we-do-100-satisfaction-guarantee/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 15:05:40 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy lawyer]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[chapter 7]]></category>
		<category><![CDATA[personal bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=68</guid>
		<description><![CDATA[We limit our practice to debt relief, so you can be sure your case will be done right. It&#8217;s our ONLY practice! We are so confident that you will be satisfied with our firm that we guarantee it! We are the only firm to offer a 100% satisfaction guarantee. No fine print. Your satisfaction is [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>Debt Settlement &#8211; Dangerous and ineffective</title>
		<link>http://www.debtfreeohioblog.com/2009/12/debt-settlement-dangerous-and-ineffective/</link>
		<comments>http://www.debtfreeohioblog.com/2009/12/debt-settlement-dangerous-and-ineffective/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 13:48:27 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Videos]]></category>
		<category><![CDATA[debt settlement cincinnati]]></category>
		<category><![CDATA[debt settlement springboro ohio]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=64</guid>
		<description><![CDATA[Debt settlement programs try, with limited success, to negotiate with creditors. They are generally ineffective, and consumers are taxed on the amount not paid. No guarantees, and no protection from creditor lawsuits here! If your debt is small enough, and if you have the ability to pay lump sum payments to creditors, this approach may [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bankruptcy stops foreclosure, repo, garnishment utility shutoff</title>
		<link>http://www.debtfreeohioblog.com/2009/12/bankruptcy-stops-foreclosure-repo-garnishment-utility-shutoff/</link>
		<comments>http://www.debtfreeohioblog.com/2009/12/bankruptcy-stops-foreclosure-repo-garnishment-utility-shutoff/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 13:03:15 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Videos]]></category>
		<category><![CDATA[attorney]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[chapter 13 lawyer]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[garnishment]]></category>
		<category><![CDATA[IRS collection]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[shutoff]]></category>
		<category><![CDATA[utility]]></category>
		<category><![CDATA[wage]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=61</guid>
		<description><![CDATA[Bankruptcy can halt extreme collections like foreclosure, repossession, utility shutoff, wage garnishment, IRS collections. We can file your bankruptcy VERY FAST! When you need help; NOW, we are here for you. We have one of the largest staffs in Southern Ohio, and have the resources to get cases filed FAST. If you need help NOW, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Good, Hard-working People File Bankruptcy. No Shame Here!</title>
		<link>http://www.debtfreeohioblog.com/2009/12/good-hard-working-people-file-bankruptcy-no-shame-here/</link>
		<comments>http://www.debtfreeohioblog.com/2009/12/good-hard-working-people-file-bankruptcy-no-shame-here/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 13:00:19 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Videos]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy lawyer]]></category>
		<category><![CDATA[bankruptcy options]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[chapter 7]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=58</guid>
		<description><![CDATA[Sometimes there is no choice. Everyone wants to pay their bills, but when circumstances make it impossible, then bankruptcy is an honorable, legal, sensible option for you to consider. One Million people have filed in the last 12 months, not because they wanted to, but because they realized that it was the best option for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to chose a bankruptcy attorney</title>
		<link>http://www.debtfreeohioblog.com/2009/12/how-to-chose-a-bankruptcy-attorney/</link>
		<comments>http://www.debtfreeohioblog.com/2009/12/how-to-chose-a-bankruptcy-attorney/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 12:54:03 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Videos]]></category>
		<category><![CDATA[springboro bankruptcy attorney]]></category>
		<category><![CDATA[springboro ohio attorney]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=55</guid>
		<description><![CDATA[You want an attorney who will take the time to listen to you, to understand your situation, who will review all options with you, including non-bankruptcy options. We tell about 10% of those who come to see us that there is a non-bankruptcy option that will probably work better for them than filing a bankruptcy. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Automatic Stay &#8211; Instant Relief &#8211; Stops collections of all kinds</title>
		<link>http://www.debtfreeohioblog.com/2009/12/automatic-stay-instant-relief-stops-collections-of-all-kinds/</link>
		<comments>http://www.debtfreeohioblog.com/2009/12/automatic-stay-instant-relief-stops-collections-of-all-kinds/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 12:50:59 +0000</pubDate>
		<dc:creator>Richard West</dc:creator>
				<category><![CDATA[Videos]]></category>
		<category><![CDATA[middletown]]></category>
		<category><![CDATA[ohio]]></category>
		<category><![CDATA[springboro]]></category>

		<guid isPermaLink="false">http://www.debtfreeohioblog.com/?p=52</guid>
		<description><![CDATA[When you file a bankruptcy, creditors are instantly stopped. No collections, no suits, no repossessions, no foreclosure, no utility shutoffs. Nothing can be done to collect a debt after a bankruptcy has been filed. Its called the Automatic Stay.
]]></description>
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