<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Carreon and Associates Blog &#187; Misc.</title>
	<atom:link href="http://www.carreonandassociates.com/blog/?feed=rss2&#038;cat=3" rel="self" type="application/rss+xml" />
	<link>http://www.carreonandassociates.com/blog</link>
	<description></description>
	<lastBuildDate>Fri, 13 Aug 2010 18:17:21 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.0.1</generator>
		<item>
		<title>Debt buyers prey on poor, debtors revolt!</title>
		<link>http://www.carreonandassociates.com/blog/?p=430</link>
		<comments>http://www.carreonandassociates.com/blog/?p=430#comments</comments>
		<pubDate>Wed, 14 Oct 2009 23:41:47 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Misc.]]></category>
		<category><![CDATA[abuse]]></category>
		<category><![CDATA[abusive]]></category>
		<category><![CDATA[accounts receivable management]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[arm industry]]></category>
		<category><![CDATA[bad debt]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[bill collectors]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[collection efforts]]></category>
		<category><![CDATA[debt buyers]]></category>
		<category><![CDATA[debtors]]></category>
		<category><![CDATA[debtors revolt]]></category>
		<category><![CDATA[drowning in debt]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[money debt]]></category>
		<category><![CDATA[pennies on the dollar]]></category>
		<category><![CDATA[youtube]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=430</guid>
		<description><![CDATA[Debtors Revolt started with one person telling Bank of America where to stick it for raising her interest rate for no good reason, and has now become viral with over 440,000 views.

Seems this just may be the new medium for debtors to take their strength back in numbers.

]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=430</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are you a credit abuser?</title>
		<link>http://www.carreonandassociates.com/blog/?p=395</link>
		<comments>http://www.carreonandassociates.com/blog/?p=395#comments</comments>
		<pubDate>Mon, 10 Aug 2009 20:05:58 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[credit repair advice]]></category>
		<category><![CDATA[credit repair help]]></category>
		<category><![CDATA[credit repair letters]]></category>
		<category><![CDATA[credit repair tips]]></category>
		<category><![CDATA[credit report mistakes]]></category>
		<category><![CDATA[credit report repair]]></category>
		<category><![CDATA[do it yourself credit repair]]></category>
		<category><![CDATA[fixing bad credit]]></category>
		<category><![CDATA[fixing credit problems]]></category>
		<category><![CDATA[lexington law firm]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=395</guid>
		<description><![CDATA[Lots of people have bad credit. According to national stats, most of us have a blemish or two, but if your credit report is full of issues then you may need to look at the culprit; you. 
]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=395</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Avoid Debt Settlement Pitfalls</title>
		<link>http://www.carreonandassociates.com/blog/?p=377</link>
		<comments>http://www.carreonandassociates.com/blog/?p=377#comments</comments>
		<pubDate>Sat, 30 May 2009 20:24:26 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[bbb]]></category>
		<category><![CDATA[bloomberg]]></category>
		<category><![CDATA[collection protection]]></category>
		<category><![CDATA[collectors debt settlement]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt settlement companies]]></category>
		<category><![CDATA[debt settlement fraud]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[do it yourself debt relief]]></category>
		<category><![CDATA[indebtedness]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[reduce]]></category>
		<category><![CDATA[settlements]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=377</guid>
		<description><![CDATA[Before you pay a dime, be sure to check out the Better Business Bureau (BBB)  to see if the company has a good rating. Doing your homework will save you a lot of time and money.]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=377</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Been sued by a collection agency? Fight it</title>
		<link>http://www.carreonandassociates.com/blog/?p=329</link>
		<comments>http://www.carreonandassociates.com/blog/?p=329#comments</comments>
		<pubDate>Fri, 15 May 2009 22:26:27 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[default judgment]]></category>
		<category><![CDATA[improper service]]></category>
		<category><![CDATA[small claims courts]]></category>
		<category><![CDATA[statute of limitations]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=329</guid>
		<description><![CDATA[Collection agencies are getting desperate these days. With the economy on the edge and people struggling to pay their necessities, more and more collection agencies are filing lawsuits at record numbers. Because of this, they are assuming that filing them in bulk will bring in the revenue quicker. ]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=329</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New FTC Web Site Helps Consumers Cope With Tough Economic Times</title>
		<link>http://www.carreonandassociates.com/blog/?p=322</link>
		<comments>http://www.carreonandassociates.com/blog/?p=322#comments</comments>
		<pubDate>Wed, 01 Apr 2009 18:22:18 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[FTC Updates]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[avoiding scams]]></category>
		<category><![CDATA[consumer protection agency]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[debt collection]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[job hunting]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[moneymatters]]></category>
		<category><![CDATA[vehicle repossession]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=322</guid>
		<description><![CDATA[Money Matters offers short, practical tips, videos, and links to reliable resources for more information on topics like credit repair, debt collection, job-hunting and jobs scams, vehicle repossession, managing mortgage payments, and foreclosure rescue scams.
]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=322</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FTC Charges Seven Credit Repair Companies with Deceiving Consumers</title>
		<link>http://www.carreonandassociates.com/blog/?p=314</link>
		<comments>http://www.carreonandassociates.com/blog/?p=314#comments</comments>
		<pubDate>Sat, 21 Mar 2009 19:09:22 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[FTC Updates]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[bankruptcies]]></category>
		<category><![CDATA[charge offs]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[credit fixers]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit repair organizations]]></category>
		<category><![CDATA[credit repair services]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[deceptive marketing]]></category>
		<category><![CDATA[delinquencies]]></category>
		<category><![CDATA[disclosures]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[ftc act]]></category>
		<category><![CDATA[ftc violations]]></category>
		<category><![CDATA[judgments]]></category>
		<category><![CDATA[late payments]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[united credit adjusters]]></category>
		<category><![CDATA[united credit adjusters inc]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=314</guid>
		<description><![CDATA[When are credit fixers' going to learn that you CANNOT guarantee to fix someones credit and you cant charge money up front for work you havnt performed yet? Is the reward really worth the risk? 

We've been pushing DIY credit repair education since 1995 and can only hope we've helped thousands of consumers avoid these credit repair scams.
]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=314</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reckless Spending &#124; Spill your guilt online</title>
		<link>http://www.carreonandassociates.com/blog/?p=259</link>
		<comments>http://www.carreonandassociates.com/blog/?p=259#comments</comments>
		<pubDate>Thu, 20 Nov 2008 20:40:48 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Misc.]]></category>
		<category><![CDATA[how to save money]]></category>
		<category><![CDATA[impulse  shopping]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[national endowment for financial education]]></category>
		<category><![CDATA[nefe.org]]></category>
		<category><![CDATA[reckless spending]]></category>
		<category><![CDATA[spendster.org]]></category>
		<category><![CDATA[tips to save money and manage your budget]]></category>
		<category><![CDATA[track spending]]></category>

		<guid isPermaLink="false">http://carreonandassociates.com/blog/?p=259</guid>
		<description><![CDATA[Spendster.org lets you track how much you spend on reckless purchases, impulse shopping and allows you to learn ways to save money.]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=259</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Woman threatened with lien for one penny</title>
		<link>http://www.carreonandassociates.com/blog/?p=255</link>
		<comments>http://www.carreonandassociates.com/blog/?p=255#comments</comments>
		<pubDate>Wed, 19 Nov 2008 02:51:42 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Misc.]]></category>
		<category><![CDATA[collector demands a penny]]></category>
		<category><![CDATA[county bill collector]]></category>
		<category><![CDATA[penny debt]]></category>
		<category><![CDATA[woman sued for a penny]]></category>
		<category><![CDATA[woman threatened lien for a penny debt]]></category>

		<guid isPermaLink="false">http://carreonandassociates.com/blog/?p=255</guid>
		<description><![CDATA[And you thought your debt collector was out of touch. Today there was a story where a woman was one penny short on her utility bill and the county threatened to put a lien on her house! 

The county collector claimed that the letters are sent automatically and that it would be fiscally irresponsible for her to have her staff sort through the dunning letters. ]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=255</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankrupty, your credit score and the debt trap</title>
		<link>http://www.carreonandassociates.com/blog/?p=241</link>
		<comments>http://www.carreonandassociates.com/blog/?p=241#comments</comments>
		<pubDate>Wed, 29 Oct 2008 16:35:56 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[american consumers]]></category>
		<category><![CDATA[bankrupty]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[boom]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[credit counselors]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[debt trap]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[new legislation]]></category>
		<category><![CDATA[one million]]></category>
		<category><![CDATA[personal bankruptcies]]></category>

		<guid isPermaLink="false">http://www.n2credit.com/tools/?p=265</guid>
		<description><![CDATA[Personal Bankruptcies on the rise
Three years after the passing of new legislation aimed at reducing personal bankruptcies, 2008 filings approach the one-million mark.

Credit crunch lowering consumer's credit scores
It's a problem common to many Americans as today's credit crunch is putting pressure on consumers like Ms. Page to pay off or make a significant dent in their debt. To accomplish that, credit counselors say, consumers need a plan.

The Debt Trap: How Banks Push Troubled Borrowers Deeper Into Debt
Big Finance's pursuit of struggling American consumers is one of the overlooked causes of the debt boom and the resulting crisis.]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=241</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fix your credit by lawsuit? Yes you can</title>
		<link>http://www.carreonandassociates.com/blog/?p=238</link>
		<comments>http://www.carreonandassociates.com/blog/?p=238#comments</comments>
		<pubDate>Mon, 27 Oct 2008 12:36:39 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[closure]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[damages]]></category>
		<category><![CDATA[debt request]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[fix]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[harassment]]></category>
		<category><![CDATA[inconvenienced]]></category>
		<category><![CDATA[intimidation]]></category>
		<category><![CDATA[law suit]]></category>
		<category><![CDATA[lawsuits]]></category>
		<category><![CDATA[mail return receipt]]></category>
		<category><![CDATA[proof]]></category>
		<category><![CDATA[receipts]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[small claims court]]></category>
		<category><![CDATA[validate]]></category>
		<category><![CDATA[validation]]></category>
		<category><![CDATA[violations]]></category>

		<guid isPermaLink="false">http://www.n2credit.com/tools/?p=261</guid>
		<description><![CDATA[Step by step how to sue a collection agency in small claims court]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=238</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
