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	<title>Carreon and Associates Blog &#187; Articles &amp; Resources</title>
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		<title>Today&#8217;s Financial Tips</title>
		<link>http://www.carreonandassociates.com/blog/?p=514</link>
		<comments>http://www.carreonandassociates.com/blog/?p=514#comments</comments>
		<pubDate>Fri, 13 Aug 2010 18:17:21 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[credit card rules]]></category>
		<category><![CDATA[credit repair help]]></category>
		<category><![CDATA[credit repair tips]]></category>
		<category><![CDATA[financial tips]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[zombie debt collectors]]></category>

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		<description><![CDATA[Why People Are Not Spending Their Money in the United States Economy
How to Decide If Co-signing a Loan Is a Good Idea
Smart and Cool Tips to Invest Money in 20's, 30's, 40's, 50's and the Sweet 60's]]></description>
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		<title>Today&#8217;s Financial Headlines</title>
		<link>http://www.carreonandassociates.com/blog/?p=509</link>
		<comments>http://www.carreonandassociates.com/blog/?p=509#comments</comments>
		<pubDate>Fri, 06 Aug 2010 21:09:41 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[budgeting tips]]></category>
		<category><![CDATA[credit repair scams]]></category>
		<category><![CDATA[fix credit]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[simple debt elimination]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=509</guid>
		<description><![CDATA[7 Ways to Spot a Credit Repair Scam
12 Reasons Your Budget Isn't Working
FTC Energy Guide Labels Help Consumers Conserve Energy and Save Money]]></description>
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		<title>Today&#8217;s Financial Tips</title>
		<link>http://www.carreonandassociates.com/blog/?p=504</link>
		<comments>http://www.carreonandassociates.com/blog/?p=504#comments</comments>
		<pubDate>Fri, 09 Jul 2010 22:30:04 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[bluetooth]]></category>
		<category><![CDATA[chase mortgages]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card fraud]]></category>
		<category><![CDATA[credit card skimmers]]></category>
		<category><![CDATA[credit repair tips]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[fix your credit]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=504</guid>
		<description><![CDATA[Police Find Credit Card Skimmers Equipped With Bluetooth

Vacationing? Hotels Are a Top Target for Credit Card Fraud

10 Signs You're Headed For Credit Card Debt
]]></description>
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		<title>DIY Debt Settlement</title>
		<link>http://www.carreonandassociates.com/blog/?p=501</link>
		<comments>http://www.carreonandassociates.com/blog/?p=501#comments</comments>
		<pubDate>Mon, 28 Jun 2010 23:38:41 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[coaching]]></category>
		<category><![CDATA[debt negotiations]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[hoffman brinker roberts]]></category>
		<category><![CDATA[reduce debts]]></category>
		<category><![CDATA[settle debts]]></category>
		<category><![CDATA[zipdebt]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=501</guid>
		<description><![CDATA[Zipdebt and Hoffman Brinker DIY Debt Settlement Coaching
We are now offering two DIY debt settlement and coaching programs. Both are unparalleled in their field because both companies have been offering reputable debt settlement for many years and have stellar reputations within the debt settlement field.]]></description>
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		<title>Debtor Wins 1.5 Million from Collection Agency</title>
		<link>http://www.carreonandassociates.com/blog/?p=496</link>
		<comments>http://www.carreonandassociates.com/blog/?p=496#comments</comments>
		<pubDate>Wed, 02 Jun 2010 18:03:05 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[abc news]]></category>
		<category><![CDATA[advanced call center]]></category>
		<category><![CDATA[advanced call center lawsuit]]></category>
		<category><![CDATA[allen jones]]></category>
		<category><![CDATA[collection agency abuse]]></category>
		<category><![CDATA[fdcpa violations]]></category>
		<category><![CDATA[harassing phone calls]]></category>
		<category><![CDATA[lewisville texas]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=496</guid>
		<description><![CDATA[has won 1.5 million from a lawsuit against a collection agency who was harassing him relentlessly. While collection agency groups often defend the actions of its members, and claim these atacks are rare, it's happening more and more.]]></description>
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		<title>Using the Cease &amp; Desist Letter: Know the Facts</title>
		<link>http://www.carreonandassociates.com/blog/?p=492</link>
		<comments>http://www.carreonandassociates.com/blog/?p=492#comments</comments>
		<pubDate>Tue, 18 May 2010 19:15:33 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[attorney general]]></category>
		<category><![CDATA[bill collectors]]></category>
		<category><![CDATA[cease and desist letter]]></category>
		<category><![CDATA[cease and desist order]]></category>
		<category><![CDATA[cease and desist sample letters]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[fair debt collection]]></category>
		<category><![CDATA[fair debt collection act]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[free finance tips]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[harassment]]></category>
		<category><![CDATA[sol]]></category>
		<category><![CDATA[statute of limitations]]></category>
		<category><![CDATA[suing collection agencies]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=492</guid>
		<description><![CDATA[Before you assume the debt is valid and pay it, be sure it is. Hundreds of thousands of debts are sold everyday but that doesn't mean its a legitimate debt. Before you pay a dime, be sure to check that the debt is valid. Decide if the balance is accurate as well as any applied fees or collection expenses. If the debt collector cannot prove the debt is valid then you have a good case for ceasing and desisting them from further contact. If they cant prove to you the debt is valid then they certainly wont be able to prove it to a judge in small claims court.

Related Help for Collection 
]]></description>
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		<title>Credit &amp; Collection Letters</title>
		<link>http://www.carreonandassociates.com/blog/?p=490</link>
		<comments>http://www.carreonandassociates.com/blog/?p=490#comments</comments>
		<pubDate>Sat, 15 May 2010 03:31:05 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[collection letters]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[debt negotiations]]></category>
		<category><![CDATA[medical debts]]></category>
		<category><![CDATA[offer in compromise]]></category>
		<category><![CDATA[restrictive endorsements]]></category>
		<category><![CDATA[sample letters]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=490</guid>
		<description><![CDATA[A sample letter for every credit situation you encounter! Real letters for real consumers, not like some fluff you may see on websites that are paid by the credit industry. Credit Experts versed in collection agency and credit bureau practices produced these letters and they are powerful! It's tough coming up with letters to credit bureaus, collectors or creditors, especially if you are dealing with such sensitive subjects as debt validation, settlements, inaccurate credit rating requests, medical debts, excessive inquiry requests, estoppel and restrictive endorsements. 

How to write an offer in compromise, send a cease and desist, write an estoppel or using your right to validate a debt can all seem too complex. We've taken the work out of it by providing you with samples of how to deal with these credit entities. Each letter comes with an explanation on when and how to use the letters.]]></description>
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		<title>FAQ on Car Repossession and Your Credit</title>
		<link>http://www.carreonandassociates.com/blog/?p=488</link>
		<comments>http://www.carreonandassociates.com/blog/?p=488#comments</comments>
		<pubDate>Fri, 11 Dec 2009 22:32:37 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[bankruptcy attorneys]]></category>
		<category><![CDATA[car loans for bad credit]]></category>
		<category><![CDATA[car repossessions]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[credit debt]]></category>
		<category><![CDATA[credit repair agencies]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[loans for bad credit]]></category>
		<category><![CDATA[myth]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[seven years]]></category>
		<category><![CDATA[unsecured debt]]></category>
		<category><![CDATA[voluntary repo]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=488</guid>
		<description><![CDATA[People often think that their credit isn't negatively affected if they turn their car in, if unable to make payments. The truth is that there are two types of repossessions. One is called a voluntary repo and the other is a repo. A voluntary repo happens when you initiate the repossession by giving the car back to the lender. This type of repo shows up on your credit reports as voluntary]]></description>
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		<title>Auto loan late payments rise</title>
		<link>http://www.carreonandassociates.com/blog/?p=486</link>
		<comments>http://www.carreonandassociates.com/blog/?p=486#comments</comments>
		<pubDate>Sat, 05 Dec 2009 23:59:26 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[auto loan payments]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[car loan payments]]></category>
		<category><![CDATA[car payment late]]></category>
		<category><![CDATA[car repossession]]></category>
		<category><![CDATA[credit reporting agency]]></category>
		<category><![CDATA[delinquencies]]></category>
		<category><![CDATA[delinquency rates]]></category>
		<category><![CDATA[fix credit repos]]></category>
		<category><![CDATA[late payments]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[remove late payments credit]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=486</guid>
		<description><![CDATA[More people were late with their auto loan payments in the third quarter as job losses continued, but amid rising delinquencies there are positive signs for the economy in certain states.]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=486</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>What is Lexington Law Firm Credit Repair</title>
		<link>http://www.carreonandassociates.com/blog/?p=484</link>
		<comments>http://www.carreonandassociates.com/blog/?p=484#comments</comments>
		<pubDate>Fri, 27 Nov 2009 22:34:23 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[credit repair companies]]></category>
		<category><![CDATA[credit repair organization]]></category>
		<category><![CDATA[credit reporting act]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[fair credit reporting act]]></category>
		<category><![CDATA[lexington law]]></category>
		<category><![CDATA[lexington law credit repair]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=484</guid>
		<description><![CDATA[With all the controversy surrounding credit repair we can tell you that we have been offering Lexington Law as a referral for over 12 years. We have yet to find a reputable replacement as far as full service credit repair is concerned. Obviously we like to push education because we feel credit repair is very possible on your own,  but we understand it isn't for everyone. If that's your situation then Lexington Law is the best on the market  for reputation and reliability.]]></description>
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