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	<title>Low Debt Settlement &#187; debt settlement programs</title>
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	<description>We Settle High Credit Card Debt, Call Now (888) 311-1431</description>
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		<title>Debt Consolidation &amp; New Year&#8217;s Resolutions</title>
		<link>http://lowdebtsettlement.com/debt-settlement/debt-consolidation-new-years-resolutions/</link>
		<comments>http://lowdebtsettlement.com/debt-settlement/debt-consolidation-new-years-resolutions/#comments</comments>
		<pubDate>Tue, 17 Feb 2009 02:48:29 +0000</pubDate>
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				<category><![CDATA[High Credit Card Debt]]></category>
		<category><![CDATA[debt settlement programs]]></category>
		<category><![CDATA[low debt settlement calculator]]></category>
		<category><![CDATA[low debt settlement company]]></category>

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		<description><![CDATA[As the end of the year approaches most people look to the next year hoping to derive a plan to accomplish more than the year prior or at least aspire to.  Every year just like clockwork one of the most important things to change or accomplish is getting out of debt.  Debt consolidation [...]]]></description>
			<content:encoded><![CDATA[<p>As the end of the year approaches most people look to the next year hoping to derive a plan to accomplish more than the year prior or at least aspire to.  Every year just like clockwork one of the most important things to change or accomplish is getting out of debt.  Debt consolidation and New Year&#8217;s resolutions almost go hand in hand.  <a href="http://www.cnn.com">CNN</a>, <a href="http://www.msnbc.com">MSNBC</a> and <a href="http://www.fox.com">FOX</a> all show reports saying that most resolutions talked about are never followed through on.  Instead of pontificating on why things didn&#8217;t happen in the past formulating a strategic plan to accomplish the goal of getting out of debt is probably the best way to focus your energy.  Although the initial impact of looking at your finances can be overwhelming you need to remember that your debt wasn&#8217;t accumulated in a year so paying off all of your debt next year isn&#8217;t all that likely.  More realistically though choosing a percentage of debt to eliminate is a better over all approach.  Use our <a href="http://www.everestdebtsolutions.com/debt-calculator.php">low debt settlement calculator</a> to determine if you can accomplish your goal to get out of debt or evaluate if using a debt settlement company is a more cost effective option.</p>
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		<title>Low Debt Settlement</title>
		<link>http://lowdebtsettlement.com/debt-settlement/low-debt-settlement/</link>
		<comments>http://lowdebtsettlement.com/debt-settlement/low-debt-settlement/#comments</comments>
		<pubDate>Tue, 17 Feb 2009 02:18:08 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
				<category><![CDATA[High Credit Card Debt]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[debt settlement programs]]></category>
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		<description><![CDATA[Low Debt settlement is an ethical alternative for consumers faced with debt larger than they can manage on their own.  Every year thousands of Americans make the decision to utilize debt settlement services to avoid the need for bankruptcy and costly credit card counseling programs.  Low Debt Settlement works directly for you to [...]]]></description>
			<content:encoded><![CDATA[<p>Low Debt settlement is an ethical alternative for consumers faced with debt larger than they can manage on their own.  Every year thousands of Americans make the decision to utilize debt settlement services to avoid the need for bankruptcy and costly <a href="http://www.ftc.gov/opa/2003/10/ftcirs.shtm">credit card counseling programs</a>.  Low Debt Settlement works directly for you to reduce and eliminate your credit card debt. Unlike debt settlement where consumers have more control over the terms of their repayment, court decisions on bankruptcy cases are unpredictable. The resulting repayment terms can be challenging for someone already struggling from paycheck to paycheck. In fact, “roughly two-thirds of people who file Chapter 13 bankruptcy never make it entirely through their debt repayment plan outlined by the court” and “typically exit the bankruptcy system, never getting their debts discharged.” Call Us Today For More Information On Low Debt Settlement &#8211; <strong>1-800-258-4131</strong></p>
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