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					  <title><![CDATA[My Interest Rates Went to 24%. What Can I Do? - Kevin]]></title>
					  <link>http://myvesta.org/articles/articles/194/1/My-Interest-Rates-Went-to-24-What-Can-I-Do---Kevin/Page1.html</link>
					  <description><![CDATA[I need to get my creditcard situation under control. ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Fri, 13 Mar 2009 10:44:17 CDT</pubDate>
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					  <title><![CDATA[I Am Married With Five Children and Struggling to Get By. Ken]]></title>
					  <link>http://myvesta.org/articles/articles/193/1/I-Am-Married-With-Five-Children-and-Struggling-to-Get-By-Ken/Page1.html</link>
					  <description><![CDATA[I was self/unemployed after a layoff for about 3 years, until about a year ago. I had about $60K of home equity, but accumulated about $80K in credit card debt (I had no debt going into the period). We live very frugally, with hand me downs, Goodwil,l and 200K+ mile minivans. In the current economy my home equity is probably only 40K and it does nothing to help me make my credit card payments. I have not accumulated any debt since getting a job about a year ago, and in fact paid down several thousand $. I negotiated min payments with BOA that accounts for about 60k of my debt with low interest rates, but it is still more than I can handle. I have not been about to negotiate with the other card companies yet and they are charging me 25%+ interest. ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Fri, 13 Mar 2009 10:21:21 CDT</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/193/1/I-Am-Married-With-Five-Children-and-Struggling-to-Get-By-Ken/Page1.html</guid>
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					  <title><![CDATA[Are the S Corp and LLC Debts Debts Going to Cause Us to Lose Our Home? - Sally]]></title>
					  <link>http://myvesta.org/articles/articles/192/1/Are-the-S-Corp-and-LLC-Debts-Debts-Going-to-Cause-Us-to-Lose-Our-Home---Sally/Page1.html</link>
					  <description><![CDATA[My husband has had an S corp for 12 years, he is the sole owner and whilst business was good he was paying all his bills and the mortgage. A couple of banks also gave him Credit Lines of up to $80,000 based on his tax returns. He had to give a personal guarantee on these. Amex also gave him a Business Card and he owes $8000 on that. ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Fri, 13 Mar 2009 10:19:49 CDT</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/192/1/Are-the-S-Corp-and-LLC-Debts-Debts-Going-to-Cause-Us-to-Lose-Our-Home---Sally/Page1.html</guid>
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					  <title><![CDATA[Don’t Pay More Than the Minimums on Your Credit Cards]]></title>
					  <link>http://myvesta.org/articles/articles/191/1/Donat-Pay-More-Than-the-Minimums-on-Your-Credit-Cards/Page1.html</link>
					  <description><![CDATA[I know this is going to sound like crazy talk but keep reading. ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Wed, 11 Mar 2009 11:31:08 CDT</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/191/1/Donat-Pay-More-Than-the-Minimums-on-Your-Credit-Cards/Page1.html</guid>
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					  <title><![CDATA[I Am Drowning in Debt And See No Light at the End of the Tunnel. - Tammy]]></title>
					  <link>http://myvesta.org/articles/articles/190/1/I-Am-Drowning-in-Debt-And-See-No-Light-at-the-End-of-the-Tunnel---Tammy/Page1.html</link>
					  <description><![CDATA[I am drowning in debt and see no light at the end of the tunnel. It is causing me daily stress and anxiety, as I am worried about my future, worried about losing my good credit when I am no longer able to make my payments, worried about my kids. I am a single mother of 3, divorced almost 6 years. ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Tue, 03 Mar 2009 13:55:58 CST</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/190/1/I-Am-Drowning-in-Debt-And-See-No-Light-at-the-End-of-the-Tunnel---Tammy/Page1.html</guid>
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					  <title><![CDATA[I’m in a Debt Settlement Program and Can’t Get a Loan. - Duston]]></title>
					  <link>http://myvesta.org/articles/articles/189/1/Iam-in-a-Debt-Settlement-Program-and-Canat-Get-a-Loan---Duston/Page1.html</link>
					  <description><![CDATA[Credit card debt, 3 personal loans, all for cars, one is the car I drive now, the other was for a car I wrecked, insurance paid, but for insurance purposes the car was in my dads name he needed the money for personal reasons, he did not pay off my loan, so I am stuck with it and a wrecked car, the other is a truck for my brother that he does pay, for now. ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Tue, 03 Mar 2009 13:54:28 CST</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/189/1/Iam-in-a-Debt-Settlement-Program-and-Canat-Get-a-Loan---Duston/Page1.html</guid>
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					  <title><![CDATA[Should We Cash Out the 401k to Pay Off the Mortgage? - Lorriell]]></title>
					  <link>http://myvesta.org/articles/articles/188/1/Should-We-Cash-Out-the-401k-to-Pay-Off-the-Mortgage---Lorriell/Page1.html</link>
					  <description><![CDATA[My husband and I are Mid-30&#8217;s and have been married and investing heavily for 16 years. We are watching our investments plunge. We owe $126K of $194K mortgage. No other debt. We are locked in at 4.75% refi. but wondering if cashing in one of 401K would be better. Wondering about the tax advantages/disadvantages. We are no longer contributing to this particular 401K. ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Tue, 03 Mar 2009 13:51:46 CST</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/188/1/Should-We-Cash-Out-the-401k-to-Pay-Off-the-Mortgage---Lorriell/Page1.html</guid>
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					  <title><![CDATA[Homeowner Affordability and Stability Plan, Government Mortgage Assistance, Resources to Avoid Foreclosure]]></title>
					  <link>http://myvesta.org/articles/articles/187/1/Homeowner-Affordability-and-Stability-Plan-Government-Mortgage-Assistance-Resources-to-Avoid-Foreclosure/Page1.html</link>
					  <description><![CDATA[At this time the Obama administration is preparing to revel their new approach to help homeowners avoid the loss of their homes in foreclosure.<br/>I&#8217;ll use this post to provide new information as it is made available. Here is what I know right now. ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Wed, 18 Feb 2009 13:08:41 CST</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/187/1/Homeowner-Affordability-and-Stability-Plan-Government-Mortgage-Assistance-Resources-to-Avoid-Foreclosure/Page1.html</guid>
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					  <title><![CDATA[I’m Afraid I’m Going to Lose My Car in Bankruptcy. - Veta]]></title>
					  <link>http://myvesta.org/articles/articles/186/1/Iam-Afraid-Iam-Going-to-Lose-My-Car-in-Bankruptcy---Veta/Page1.html</link>
					  <description><![CDATA[I&#8217;m going to file a Chapter 7 bankruptcy and I would like to keep my car but I might not have enough exemption. Even if I do the judge may not allow me to reaffirm the car loan because the payment is so high. So I don&#8217;t know if I should keep making the payment on it and then risk losing it.<br/><br/> ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Wed, 18 Feb 2009 11:39:48 CST</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/186/1/Iam-Afraid-Iam-Going-to-Lose-My-Car-in-Bankruptcy---Veta/Page1.html</guid>
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					  <title><![CDATA[I Have a Credit Card I USed For Medical Debts. I Want The Debt Cut in Half. - Cathy]]></title>
					  <link>http://myvesta.org/articles/articles/185/1/I-Have-a-Credit-Card-I-USed-For-Medical-Debts-I-Want-The-Debt-Cut-in-Half---Cathy/Page1.html</link>
					  <description><![CDATA[I have a credit card used mainly for medical bills over the years , I owe $17,000 on it and have not charged anything on it for 4 years. I pay more than minimum payment ]]></description>
					  <author>no@spam.com (Steve Rhode)</author>
					  <pubDate>Wed, 18 Feb 2009 11:30:44 CST</pubDate>
					 <guid isPermaLink="true">http://myvesta.org/articles/articles/185/1/I-Have-a-Credit-Card-I-USed-For-Medical-Debts-I-Want-The-Debt-Cut-in-Half---Cathy/Page1.html</guid>
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