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	<title>Debt Secrets</title>
	<link>http://www.debtsecrets.co.uk</link>
	<description>Secrets, tips, solutions and advice for UK related debt problems</description>
	<pubDate>Wed, 09 Jul 2008 21:16:00 +0000</pubDate>
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			<item>
		<title>Wealth Formula Alex Edevanes MOLB guide to making money on the internet</title>
		<link>http://www.debtsecrets.co.uk/wealth-formula-alex-edevanes-molb-guide-to-making-money-on-the-internet</link>
		<comments>http://www.debtsecrets.co.uk/wealth-formula-alex-edevanes-molb-guide-to-making-money-on-the-internet#comments</comments>
		<pubDate>Thu, 24 Apr 2008 00:57:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Wealth Building Strategies]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/wealth-formula-alex-edevanes-molb-guide-to-making-money-on-the-internet</guid>
		<description><![CDATA[
If you are deep in debt and were fantasizing of resolving your debt
difficulties by trying your   hand at making money on the internet
Alex Edevanes Mechanical On Line Blueprint guide may be of interest.
Alex is a former soldier turned internet affiliate. He is making over $1,000
a day and can actually show you proof of [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/wealth-formula-alex-edevanes-molb-guide-to-making-money-on-the-internet/feed/</wfw:commentRss>
		</item>
		<item>
		<title>IVA secrets 7 and 8:  Never pay the Insolvency Practitioner any money in advance</title>
		<link>http://www.debtsecrets.co.uk/iva-secrets-7-and-8-never-pay-the-insolvency-practitioner-any-money-in-advance</link>
		<comments>http://www.debtsecrets.co.uk/iva-secrets-7-and-8-never-pay-the-insolvency-practitioner-any-money-in-advance#comments</comments>
		<pubDate>Tue, 04 Mar 2008 02:01:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[IVA Secrets]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/iva-secrets-7-and-8-never-pay-the-insolvency-practitioner-any-money-in-advance</guid>
		<description><![CDATA[IVA secret 7:
Never pay the Insolvency Practitioner any money in advance

Insolvency Practitioners are legally obliged not to start charging you until you have actually started your IVA. Make sure you postpone any fee payment until after the creditors meeting.
IVA secret 8:
Get the initial meeting for free.
Most Insolvency   Practitioners will give you an initial [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/iva-secrets-7-and-8-never-pay-the-insolvency-practitioner-any-money-in-advance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>IVA secret 6: Go directly to an Insolvency Practitioner</title>
		<link>http://www.debtsecrets.co.uk/iva-secret-6-go-directly-to-an-insolvency-practitioner</link>
		<comments>http://www.debtsecrets.co.uk/iva-secret-6-go-directly-to-an-insolvency-practitioner#comments</comments>
		<pubDate>Mon, 25 Feb 2008 22:55:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[IVA Secrets]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/iva-secret-6-go-directly-to-an-insolvency-practitioner</guid>
		<description><![CDATA[IVA secret 6:
Once you are certain that an IVA is best for you, go directly to an Insolvency Practitioner

Debt Management companies do offer a debt advice service. In addition they justify the fees on the basis that they ensure the IVA receives approval. Their argument is that you will have an advocate for your IVA, [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/iva-secret-6-go-directly-to-an-insolvency-practitioner/feed/</wfw:commentRss>
		</item>
		<item>
		<title>IVA secret 5: If the majority of your debt is held by a single creditor, consult them</title>
		<link>http://www.debtsecrets.co.uk/iva-secret-5-if-the-majority-of-your-debt-is-held-by-a-single-creditor-consult-them</link>
		<comments>http://www.debtsecrets.co.uk/iva-secret-5-if-the-majority-of-your-debt-is-held-by-a-single-creditor-consult-them#comments</comments>
		<pubDate>Sat, 23 Feb 2008 00:49:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[IVA Secrets]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/iva-secret-5-if-the-majority-of-your-debt-is-held-by-a-single-creditor-consult-them</guid>
		<description><![CDATA[IVA secret 5:
If most of your debt is owed to one creditor then consult them first before you try to do an IVA.

As 75% (in value) of your creditors have to vote in favour of your IVA proposal there is no point in going ahead with the IVA proposal if that creditor does not already [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/iva-secret-5-if-the-majority-of-your-debt-is-held-by-a-single-creditor-consult-them/feed/</wfw:commentRss>
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		<title>IVA secret 4: Make sure you have fully considered the “Full and Final Settlement” or “Lump Sum” IVA</title>
		<link>http://www.debtsecrets.co.uk/iva-secret-4-make-sure-you-have-fully-considered-the-%e2%80%9cfull-and-final-settlement%e2%80%9d-or-%e2%80%9clump-sum%e2%80%9d-iva</link>
		<comments>http://www.debtsecrets.co.uk/iva-secret-4-make-sure-you-have-fully-considered-the-%e2%80%9cfull-and-final-settlement%e2%80%9d-or-%e2%80%9clump-sum%e2%80%9d-iva#comments</comments>
		<pubDate>Mon, 03 Dec 2007 13:56:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[IVA Secrets]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/iva-secret-4-make-sure-you-have-fully-considered-the-%e2%80%9cfull-and-final-settlement%e2%80%9d-or-%e2%80%9clump-sum%e2%80%9d-iva</guid>
		<description><![CDATA[
Let me tell you; if you really want to do an IVA and not go bankrupt then a “Full and final settlement” IVA is better. Being in debt to a friend or family member is far better than being exposed to the stringent rules that govern a repayment IVA. In a repayment IVA you could [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/iva-secret-4-make-sure-you-have-fully-considered-the-%e2%80%9cfull-and-final-settlement%e2%80%9d-or-%e2%80%9clump-sum%e2%80%9d-iva/feed/</wfw:commentRss>
		</item>
		<item>
		<title>IVA secret 3: Vested interests might be pushing you into an IVA</title>
		<link>http://www.debtsecrets.co.uk/iva-secret-3-vested-interests-might-be-pushing-you-into-an-iva</link>
		<comments>http://www.debtsecrets.co.uk/iva-secret-3-vested-interests-might-be-pushing-you-into-an-iva#comments</comments>
		<pubDate>Sat, 13 Oct 2007 00:42:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[IVA Secrets]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/iva-secret-3-vested-interests-might-be-pushing-you-into-an-iva</guid>
		<description><![CDATA[IVA secret 3:
Vested interests might be pushing you into an IVA when bankruptcy is a better solution

Share This
]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/iva-secret-3-vested-interests-might-be-pushing-you-into-an-iva/feed/</wfw:commentRss>
		</item>
		<item>
		<title>IVA Secrets; Don&#8217;t pay any “arrangement fees” for an IVA,  Open a new bankaccount</title>
		<link>http://www.debtsecrets.co.uk/iva-secrets-dont-pay-any-%e2%80%9carrangement-fees%e2%80%9d-for-an-iva-open-a-new-bankaccount</link>
		<comments>http://www.debtsecrets.co.uk/iva-secrets-dont-pay-any-%e2%80%9carrangement-fees%e2%80%9d-for-an-iva-open-a-new-bankaccount#comments</comments>
		<pubDate>Thu, 11 Oct 2007 18:40:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[IVA Secrets]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/iva-secrets-dont-pay-any-%e2%80%9carrangement-fees%e2%80%9d-for-an-iva-open-a-new-bankaccount</guid>
		<description><![CDATA[IVA Secret 1
Open a new bank account before you start your IVA
This advice applies to people who owe money to the bank that holds their day to day account. The bank, once they discover that you are doing an IVA, may be tempted to take your salary lodgement in your main bank account to repay [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/iva-secrets-dont-pay-any-%e2%80%9carrangement-fees%e2%80%9d-for-an-iva-open-a-new-bankaccount/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The advantages and disadvantages of Bankruptcy a summary</title>
		<link>http://www.debtsecrets.co.uk/the-advantages-and-disadvantages-of-bankruptcy-a-summary</link>
		<comments>http://www.debtsecrets.co.uk/the-advantages-and-disadvantages-of-bankruptcy-a-summary#comments</comments>
		<pubDate>Sat, 29 Sep 2007 16:42:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Debt Solutions]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/the-advantages-and-disadvantages-of-bankruptcy-a-summary</guid>
		<description><![CDATA[A person petitions for Bankruptcy when they cannot afford to pay their debts and need to start afresh. Bankruptcy is a formal solution that you can solicit yourself at the court.  It’s rare that a creditor will petition the court to make you bankrupt as it costs them money but it can happen.
Typically bankruptcy [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/the-advantages-and-disadvantages-of-bankruptcy-a-summary/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Final Settlement IVA, Solve your debt problem with a single lump sum payment</title>
		<link>http://www.debtsecrets.co.uk/final-settlement-iva-solve-your-debt-problem-with-a-single-lump-sum-payment</link>
		<comments>http://www.debtsecrets.co.uk/final-settlement-iva-solve-your-debt-problem-with-a-single-lump-sum-payment#comments</comments>
		<pubDate>Thu, 27 Sep 2007 12:14:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[IVA Secrets]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/final-settlement-iva-solve-your-debt-problem-with-a-single-lump-sum-payment</guid>
		<description><![CDATA[The majority of IVAs, are monthly repayment IVAs, which, as described in the IVA facts article, involve the debt being paid over a five year period. An alternative, where the debt is settled once and for all by the payment of a lump sum is called a final settlement or lump sum IVA. This is [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/final-settlement-iva-solve-your-debt-problem-with-a-single-lump-sum-payment/feed/</wfw:commentRss>
		</item>
		<item>
		<title>IVA Facts, the truth about the disadvantages and advantages of an IVA</title>
		<link>http://www.debtsecrets.co.uk/iva-facts-the-truth-about-the-disadvantages-and-advantages-of-an-iva</link>
		<comments>http://www.debtsecrets.co.uk/iva-facts-the-truth-about-the-disadvantages-and-advantages-of-an-iva#comments</comments>
		<pubDate>Sat, 22 Sep 2007 20:01:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[IVA Secrets]]></category>

		<guid isPermaLink="false">http://www.debtsecrets.co.uk/iva-facts-the-truth-about-the-disadvantages-and-advantages-of-an-iva</guid>
		<description><![CDATA[An Individual Voluntary Arrangement or IVA is a legally binding agreement between you and your creditors. You agree to make monthly payments towards repaying your debt over a period of five years. If there is debt remaining then it is written off. (However, please be aware if you choose the IVA route that there are [...]]]></description>
		<wfw:commentRss>http://www.debtsecrets.co.uk/iva-facts-the-truth-about-the-disadvantages-and-advantages-of-an-iva/feed/</wfw:commentRss>
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