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	<title>Comments on: Is debt management/credit counseling harmful to my credit score?</title>
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	<link>http://www.forrentorsaleinbelgrade.com/debt-management-counseling/is-debt-managementcredit-counseling-harmful-to-my-credit-score</link>
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		<title>By: sun s</title>
		<link>http://www.forrentorsaleinbelgrade.com/debt-management-counseling/is-debt-managementcredit-counseling-harmful-to-my-credit-score/comment-page-1#comment-236</link>
		<dc:creator>sun s</dc:creator>
		<pubDate>Sat, 31 Oct 2009 07:37:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.forrentorsaleinbelgrade.com/debt-management-counseling/is-debt-managementcredit-counseling-harmful-to-my-credit-score#comment-236</guid>
		<description>&quot;Its 100% better than bankruptcy. It has helped many people.

 Credit counselor, who would guide you. Credit counseling agency are filled with experts, to help you get out of debt. These agencies have programs which helps to solve the problems.

Debt management programs helps you to prepare a budget which help you to tackle the situation. You make an agreement with the agency to start the process of clearing your debts completely. The counseling agency then negotiates with your lenders, and fix a lower monthly payment. &quot;&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;http://www.freewebs.com/helpee/creditcounseling.html</description>
		<content:encoded><![CDATA[<p>&quot;Its 100% better than bankruptcy. It has helped many people.</p>
<p> Credit counselor, who would guide you. Credit counseling agency are filled with experts, to help you get out of debt. These agencies have programs which helps to solve the problems.</p>
<p>Debt management programs helps you to prepare a budget which help you to tackle the situation. You make an agreement with the agency to start the process of clearing your debts completely. The counseling agency then negotiates with your lenders, and fix a lower monthly payment. &quot;<br /><b>References : </b><br /><a href="http://www.freewebs.com/helpee/creditcounseling.html" rel="nofollow">http://www.freewebs.com/helpee/creditcounseling.html</a></p>
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		<title>By: sam hill</title>
		<link>http://www.forrentorsaleinbelgrade.com/debt-management-counseling/is-debt-managementcredit-counseling-harmful-to-my-credit-score/comment-page-1#comment-235</link>
		<dc:creator>sam hill</dc:creator>
		<pubDate>Sat, 31 Oct 2009 07:01:59 +0000</pubDate>
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		<description>ya but no.   It will affect your credit score some.  But what are your long term goals??  you are probably heading in the right direction.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>ya but no.   It will affect your credit score some.  But what are your long term goals??  you are probably heading in the right direction.<br /><b>References : </b></p>
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	<item>
		<title>By: Sunidaze</title>
		<link>http://www.forrentorsaleinbelgrade.com/debt-management-counseling/is-debt-managementcredit-counseling-harmful-to-my-credit-score/comment-page-1#comment-234</link>
		<dc:creator>Sunidaze</dc:creator>
		<pubDate>Sat, 31 Oct 2009 06:25:59 +0000</pubDate>
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		<description>It actually helped improve mine and decreased my debt by 20,000 since &#039;02.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>It actually helped improve mine and decreased my debt by 20,000 since &#8216;02.<br /><b>References : </b></p>
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