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	<title>Caraballo &#38; Associates &#187; debt management</title>
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	<description>Coaching people through Credit and Financial Recovery</description>
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		<title>The Problem With Credit Counseling Agencies (Part 1)</title>
		<link>http://caraballoassociates.com/the-problem-with-credit-counseling-agencies-part-1/</link>
		<comments>http://caraballoassociates.com/the-problem-with-credit-counseling-agencies-part-1/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 01:43:50 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[assistance]]></category>
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		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[financial plan]]></category>
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		<category><![CDATA[money management]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[Save money]]></category>

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		<description><![CDATA[These companies have been around for years making promises of lower credit card payments, frozen interest rates, shorter pay-off schedules, etc. etc. These programs seem like a no-brainer for the person that is having trouble with their monthly credit obligations. Those of us that have had hardships and those of us that basically just let [...]]]></description>
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