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        <link>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Best-Way-To-Improve-Your-Credit-Score-After-Bankruptcy.html</link>
        <title>Best Way To Improve Your Credit Score After Bankruptcy</title>
        <guid>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Best-Way-To-Improve-Your-Credit-Score-After-Bankruptcy.html</guid>
        <description>Bankruptcy has become something common these days. In has become a day to day happening as the fact is now understood by all. It is just a situation in which the debtor is unable to pay back the loan money to the creditor. Everything has become very simple. All that has to be done is to file bankruptcy in the federal court. Anyone, both creditor and the debtor, can do this. The creditor can demand more money from the debtor if he / she files bankruptcy first.</description>
        <pubDate>Wed, 24 Sep 2008 07:25:03 EDT</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Self-Help/Debt-Settlement-Programs-are-a-great-way-to-avoid-bankruptcy-1.html</link>
        <title>Debt Settlement Programs are a great way to avoid bankruptcy</title>
        <guid>http://www.affsphere.com/Self-Help/Debt-Settlement-Programs-are-a-great-way-to-avoid-bankruptcy-1.html</guid>
        <description>Over the past few years, debt settlement has become a hugely recognized method of getting out from under a large amount of debt ($10,000 or more). Keep in mind that this type of program is strictly for those who are in financial distress. If you find yourself in a position where you can no longer make your minimum payments, a debt settlement program can set you up with a new structured monthly payment of about half of your current minimums. That new payment goes into a trust account managed by a debt settlement firm and continues to build a balance over time. As these funds accrue, they are used to settle your accounts one at a time for significantly less than what is owed.&lt;br /&gt;
 The most common question that people have is will creditors really do this, and why would they settle for less than what is owed.</description>
        <pubDate>Mon, 20 Oct 2008 05:36:33 EDT</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Washington-State-Bankruptcy-Basics-1.html</link>
        <title>Washington State Bankruptcy Basics</title>
        <guid>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Washington-State-Bankruptcy-Basics-1.html</guid>
        <description>Are you tired of creditors calling your house at all hours? Are you afraid you will suffocate under the stack of bills on the counter? If your debt worries are ruling your life, Washington State bankruptcy is a reasonable option.</description>
        <pubDate>Thu, 06 Nov 2008 04:01:20 EST</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Chapter-13-Bankruptcy-1.html</link>
        <title>Chapter 13 Bankruptcy</title>
        <guid>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Chapter-13-Bankruptcy-1.html</guid>
        <description>While filing for bankruptcy, there are several codes, which an individual can file under. One such chapter is 13, which allows the debtor to keep property and eventually pay off the debt.</description>
        <pubDate>Mon, 19 May 2008 14:51:12 EDT</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Credit-Repair-After-Bankruptcy-1.html</link>
        <title>Credit Repair After Bankruptcy</title>
        <guid>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Credit-Repair-After-Bankruptcy-1.html</guid>
        <description>Bankruptcy can be very harmful to your credit report, but there is a way to fix your credit report and raise your score.  This will not take place right away and will take some effort on your part. However, it can be done and with great effect if you pay attention to the following steps.</description>
        <pubDate>Thu, 04 Dec 2008 12:48:58 EST</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Web-and-Internet/Legal-Privacy-Trust/Defining-What-Chapter-7-Bankruptcy-Is-apply-1.html</link>
        <title>Defining What Chapter 7 Bankruptcy Is: apply?</title>
        <guid>http://www.affsphere.com/Web-and-Internet/Legal-Privacy-Trust/Defining-What-Chapter-7-Bankruptcy-Is-apply-1.html</guid>
        <description>The term Chapter 7 bankruptcy is a term that is thrown about a great deal in the media, but clear and concise explanations of the term are usually not offered. Because of this, there is some confusion as to what exactly chapter 7 bankruptcy actually is and this sometimes leads to people making critical errors when filing!</description>
        <pubDate>Thu, 11 Dec 2008 09:40:27 EST</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Web-and-Internet/Legal-Privacy-Trust/What-Happens-During-A-Proposal-or-Bankruptcy.html</link>
        <title>What Happens During A Proposal or Bankruptcy</title>
        <guid>http://www.affsphere.com/Web-and-Internet/Legal-Privacy-Trust/What-Happens-During-A-Proposal-or-Bankruptcy.html</guid>
        <description>He is a top internet marketer.  He has a passion for helping others achieve their goals, dreams and aspirations.  He believes that the most successful people on the internet are the ones willing to invest their time in learning to be successful.</description>
        <pubDate>Tue, 28 Oct 2008 22:06:45 EDT</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Bankruptcy-and-Your-Credit-Score-1.html</link>
        <title>Bankruptcy and Your Credit Score</title>
        <guid>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Bankruptcy-and-Your-Credit-Score-1.html</guid>
        <description>A bankruptcy can badly affect your credit score more than anything else.  However, it should not be avoided at all cost. Find out why in this article.</description>
        <pubDate>Thu, 30 Oct 2008 21:55:00 EDT</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Bankruptcy.html</link>
        <title>Bankruptcy</title>
        <guid>http://www.affsphere.com/Money-and-Finance/Bankruptcy/Bankruptcy.html</guid>
        <description>The primary purpose of bankruptcy is: (1) to give an honest debtor a "fresh start" in life by relieving the debtor of most debts, and (2) to repay creditors in an orderly manner to the extent that the debtor has the means available for payment.</description>
        <pubDate>Wed, 14 May 2008 16:56:56 EDT</pubDate>
    </item>
    <item>
        <link>http://www.affsphere.com/Education/Declaring-Bankruptcy-1.html</link>
        <title>Declaring Bankruptcy</title>
        <guid>http://www.affsphere.com/Education/Declaring-Bankruptcy-1.html</guid>
        <description>Declaring bankruptcy is one of the most difficult decisions and should never be taken lightly. Once you have decided that this is the last resort you have; then you have to understand that it is possible to restablish your credit and get back on your feet.</description>
        <pubDate>Fri, 21 Nov 2008 07:00:13 EST</pubDate>
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