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	<title>HALPI dot com &#187; Debt Handling</title>
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		<title>How To Handle Debt</title>
		<link>http://halpi.com/how-to-handle-debt.htm</link>
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		<pubDate>Mon, 05 Feb 2007 20:55:52 +0000</pubDate>
		<dc:creator>Debt</dc:creator>
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		<description><![CDATA[The first step to handling any problem, and excessive debt is no exception, is to focus on facts. Here, that means finding out how much you actually owe and what the monthly payments and interest costs.
It&#8217;s surprising, though maybe it shouldn&#8217;t be, how many people that are troubled by debt problems, don&#8217;t actually know how [...]]]></description>
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		<title>What&#8217;s the Right Amount of Debt?</title>
		<link>http://halpi.com/whats-the-right-amount-of-debt.htm</link>
		<comments>http://halpi.com/whats-the-right-amount-of-debt.htm#comments</comments>
		<pubDate>Sun, 04 Feb 2007 20:58:31 +0000</pubDate>
		<dc:creator>Debt</dc:creator>
				<category><![CDATA[Debt Handling]]></category>

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		<description><![CDATA[No &#8216;one-size-fits-all&#8217; recommendation is possible when considering the right amount of debt to assume. But that doesn&#8217;t mean there are no good guidelines at all.
Naturally, credit card companies and other lenders are happy to make available as much money as they think their borrowers will repay. They take risks, but those are calculated risks.
They look [...]]]></description>
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		<title>The Snowball Method of Debt Reduction</title>
		<link>http://halpi.com/debt-reduction-snowball-method.htm</link>
		<comments>http://halpi.com/debt-reduction-snowball-method.htm#comments</comments>
		<pubDate>Sat, 03 Feb 2007 21:00:36 +0000</pubDate>
		<dc:creator>Debt</dc:creator>
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		<description><![CDATA[There are multiple ways to reduce your total (and monthly) debt load, some less painful than others.
The obvious one, of course, is to simply pay down your debts. That can be difficult, and for some it may seem hopeless. But there is one method that has been employed by many with great success: the snowball [...]]]></description>
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		<title>What To Consider Before Filing Bankruptcy</title>
		<link>http://halpi.com/what-to-consider-before-filing-bankruptcy.htm</link>
		<comments>http://halpi.com/what-to-consider-before-filing-bankruptcy.htm#comments</comments>
		<pubDate>Thu, 01 Feb 2007 21:05:46 +0000</pubDate>
		<dc:creator>Debt</dc:creator>
				<category><![CDATA[Debt Handling]]></category>

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		<description><![CDATA[Some people think of bankruptcy as an easy way to offload a crushing debt burden, and it&#8217;s sometimes the first method they reach for.
Well, it may well relieve the burden, but it&#8217;s far from easy and should be the very last thing you use to do so.
While the law has made it relatively easy to [...]]]></description>
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