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	<title>Debt Consolidation Magic &#187; Contact</title>
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		<title>Need a knowledgeable debt consolidation attorney in the Plano, Texas area?</title>
		<link>http://www.debtconsolidationmagic.com/personal-finance/need-a-knowledgeable-debt-consolidation-attorney-in-the-plano-texas-area/</link>
		<comments>http://www.debtconsolidationmagic.com/personal-finance/need-a-knowledgeable-debt-consolidation-attorney-in-the-plano-texas-area/#comments</comments>
		<pubDate>Sun, 29 Mar 2009 16:39:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Contact]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Monthly Payments]]></category>
		<category><![CDATA[Plano Texas]]></category>
		<category><![CDATA[Satisfactory Arrangements]]></category>
		<category><![CDATA[Unsecured Debts]]></category>

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		<description><![CDATA[I have about five to six unsecured debts [no credit cards] that i need to consolidate and make one payment or like.  Bankruptcy is not an option for me. The total is around $10K.  I am not interested in debt consolidation agencies, so far the ones i have talked to, i know more [...]]]></description>
			<content:encoded><![CDATA[<div>I have about five to six unsecured debts [no credit cards] that i need to consolidate and make one payment or like.  Bankruptcy is not an option for me. The total is around $10K.  I am not interested in debt consolidation agencies, so far the ones i have talked to, i know more what to do than them&#8230;I can make monthly payments toward the debt and also pay reasonable fees and/or % of satisfactory arrangements.  Anyone knows a serious, good attorney in the areas that i can contact for a free consultation.  Thank you<br />
Mr Gerald, with replies like yours no wonder you have so many answers&#8230;.I am retired, disabled, soc sec, and yes i still work, as allowed&#8230;so your easy out is poor at best&#8230;.thanks</div>

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		<item>
		<title>Is it better to use a debt consolidation service or contact creditors directly?</title>
		<link>http://www.debtconsolidationmagic.com/credit/is-it-better-to-use-a-debt-consolidation-service-or-contact-creditors-directly/</link>
		<comments>http://www.debtconsolidationmagic.com/credit/is-it-better-to-use-a-debt-consolidation-service-or-contact-creditors-directly/#comments</comments>
		<pubDate>Thu, 13 Nov 2008 07:27:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Chase]]></category>
		<category><![CDATA[Contact]]></category>
		<category><![CDATA[Credit Card Companies]]></category>
		<category><![CDATA[Creditors]]></category>
		<category><![CDATA[Debt Consolidation Service]]></category>
		<category><![CDATA[Debt Service]]></category>
		<category><![CDATA[Living Beyond My Means]]></category>
		<category><![CDATA[Payment Arrangement]]></category>

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		<description><![CDATA[I owe on 3 credit cards.  One is starting to fall behind on the payments as its too much to pay.  Which route is the way to go?  Debt consolidation or contacting creditors  explaining that I was living beyond my means  now I am having trouble paying.  
On the [...]]]></description>
			<content:encoded><![CDATA[<div>I owe on 3 credit cards.  One is starting to fall behind on the payments as its too much to pay.  Which route is the way to go?  Debt consolidation or contacting creditors  explaining that I was living beyond my means  now I am having trouble paying.  </p>
<p>On the one card I&#8217;m having trouble with (Chase), my monthly balance is $299 but I can afford to pay $180 a month to them.  I&#8217;ve heard horror stories where people get the WORST treatment when they try to set up payment plans with credit card companies.  Do most companies decline an offer of a payment arrangement?  I can get back to more payments in January or February but now is hard.</p></div>

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