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    <title>Avvo.com - Debt Settlement Legal Guides</title>
    <link>http://www.avvo.com/legal-answers-search/debt-settlement.html</link>
    <description>Avvo.com - Debt Settlement Legal Guides</description>
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      <title>How To Tell if A Collection Account is Yours and How to Pay It If It Is</title>
      <link>http://www.avvo.com/legal-guides/ugc/how-to-tell-if-a-collection-account-is-yours-and-how-to-pay-it-if-it-is</link>
      <description>11 Basic points to make sure you really owe it, and that you pay it the smart way if you really do</description>
      <pubDate>Tue, 10 Nov 2009 06:53:17 PST</pubDate>
    </item>
    <item>
      <title>Home Loan Modifications</title>
      <link>http://www.avvo.com/legal-guides/ugc/home-loan-modifications</link>
      <description>As many homeowners are painfully aware, the national housing market has suffered from one of the worst economic crises in the history of our nation. Not only have home values declined sharply in recent years, many homeowners have suffered drastic reductions in income as well.  </description>
      <pubDate>Thu, 10 Sep 2009 16:17:26 PDT</pubDate>
    </item>
    <item>
      <title>How New York State Protects Consumers from Illegal Debt &amp;quot;Settlement&amp;quot; and Collection-- Part II</title>
      <link>http://www.avvo.com/legal-guides/ugc/how-new-york-state-protects-consumers-from-illegal-debt-settlement-and-collection---part-ii</link>
      <description>A continuation of the first  legal guide on what is illegal debt settlement and debt collection in NY.  This follows the New York Attorney General's summary of what is proper and improper in debt collection, legal process, recent state legal action on consumer suits, how to file a consumer complaint</description>
      <pubDate>Fri, 24 Jul 2009 18:31:43 PDT</pubDate>
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      <title>How New York State Protects Consumers from Illegal Debt &amp;quot;Settlement&amp;quot; and Collection-- Part I</title>
      <link>http://www.avvo.com/legal-guides/ugc/how-new-york-state-protects-consumers-from-illegal-debt-settlement-and-collection---part-i</link>
      <description>Recently the New York Attorney General has initiated a state wide assault on phony debt settlement companies and debt collection companies which have brazenly violated the Federal and State Fair Collection Act.  The Attorney General has provided consumers with both critical information and action.</description>
      <pubDate>Fri, 30 Oct 2009 17:30:45 PDT</pubDate>
    </item>
    <item>
      <title>Questions to Ask Your Credit Repair/Debt Resolution Company</title>
      <link>http://www.avvo.com/legal-guides/ugc/questions-to-ask-your-credit-repairdebt-resolution-company</link>
      <description>Credit repair/debt resolution is a booming business in this economy.  It is wise to ask questions of the company you are considering to assist you in repairing your credit or negotiating your debt.  It is very wise to consider whether the firm you are retaining is attorney owned and operated.</description>
      <pubDate>Fri, 20 Nov 2009 08:28:52 PST</pubDate>
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      <title>Grounds for Divorce in Washington State</title>
      <link>http://www.avvo.com/legal-guides/grounds-divorce-Washington</link>
      <description>The grounds for divorce are Washington State&#8217;s legal reasons for which a marriage can be dissolved. </description>
      <pubDate>Thu, 03 Sep 2009 16:44:31 PDT</pubDate>
    </item>
    <item>
      <title>Bankruptcy or Debt Negotiation: A Cost Comparison</title>
      <link>http://www.avvo.com/legal-guides/bankruptcy-debt-negotiation</link>
      <description>If you can&#8217;t pay your debt, you can compare the costs of your two options&#8211;bankruptcy and debt negotiation&#8211;when deciding which solution will work best for you. </description>
      <pubDate>Mon, 09 Nov 2009 20:31:44 PST</pubDate>
    </item>
    <item>
      <title>Divorce Settlement</title>
      <link>http://www.avvo.com/legal-guides/divorce-settlement</link>
      <description>A divorce settlement is the final legal agreement between the husband and wife that documents the terms and conditions of the divorce. </description>
      <pubDate>Wed, 25 Nov 2009 12:07:25 PST</pubDate>
    </item>
    <item>
      <title>Debt Settlement Tips</title>
      <link>http://www.avvo.com/legal-guides/ugc/debt-settlement-tips</link>
      <description>You may be able to avoid dealing with debt collectors and resolve your debts by working directly with your creditors.</description>
      <pubDate>Mon, 31 Aug 2009 07:58:18 PDT</pubDate>
    </item>
    <item>
      <title>Understanding Divorce</title>
      <link>http://www.avvo.com/legal-guides/understanding-divorce</link>
      <description>When a divorce is finalized both parties are legally bound by all decisions, whether agreed to between the divorcing parties, through mediation, or in court.</description>
      <pubDate>Thu, 21 May 2009 16:38:45 PDT</pubDate>
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