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	<title>Debt Free Citizen</title>
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	<link>http://www.debtfreecitizen.info</link>
	<description>It&#039;s Easy. It&#039;s Secure. It&#039;s Proven Over 4.5 Million People Helped!</description>
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		<title>After Decreasing Last Year, Chicago Foreclosure Activity Is Back on the Rise</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/after-decreasing-last-year-chicago-foreclosure-activity-is-back-on-the-rise</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/after-decreasing-last-year-chicago-foreclosure-activity-is-back-on-the-rise#comments</comments>
		<pubDate>Sat, 21 Jan 2012 07:29:33 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>
		<category><![CDATA[Back]]></category>
		<category><![CDATA[Chicago Foreclosure]]></category>
		<category><![CDATA[Chicago Foreclosure Activity]]></category>
		<category><![CDATA[Foreclosure Activity]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/after-decreasing-last-year-chicago-foreclosure-activity-is-back-on-the-rise</guid>
		<description><![CDATA[The good news is that Chicago foreclosure activity was at its lowest level in three years in 2011. The bad news is it&#8217;s headed back upward.
A rising number of local homes were repossessed by lenders or sent to court-appointed auctions in the fourth quarter of last year, according to the Chicago Tribune. An estimated 11 [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/after-decreasing-last-year-chicago-foreclosure-activity-is-back-on-the-rise/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Do You Do if a Bed Sores, Pressure Sores, Decubitus Ulcers Become Infected says Nursing Home Abuse and Neglect Lawyer Steven Peck</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/what-do-you-do-if-a-bed-sores-pressure-sores-decubitus-ulcers-become-infected-says-nursing-home-abuse-and-neglect-lawyer-steven-peck</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/what-do-you-do-if-a-bed-sores-pressure-sores-decubitus-ulcers-become-infected-says-nursing-home-abuse-and-neglect-lawyer-steven-peck#comments</comments>
		<pubDate>Sat, 14 Jan 2012 06:05:44 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>
		<category><![CDATA[Become Infected]]></category>
		<category><![CDATA[Decubitus Ulcers]]></category>
		<category><![CDATA[Infected]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/what-do-you-do-if-a-bed-sores-pressure-sores-decubitus-ulcers-become-infected-says-nursing-home-abuse-and-neglect-lawyer-steven-peck</guid>
		<description><![CDATA[What if the sore gets infected? Pressure sores, Bed sores and Decubitus Ulcers that become infected heal more slowly and can spread a dangerous infection to the rest of your body. If you notice any of the signs of infection listed below, call your doctor right away.
Signs of an infected pressure sore include the following: [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/what-do-you-do-if-a-bed-sores-pressure-sores-decubitus-ulcers-become-infected-says-nursing-home-abuse-and-neglect-lawyer-steven-peck/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to avoid pitfalls when trying to consolidate debts</title>
		<link>http://www.debtfreecitizen.info/debt-free-citizen/how-to-avoid-pitfalls-when-trying-to-consolidate-debts</link>
		<comments>http://www.debtfreecitizen.info/debt-free-citizen/how-to-avoid-pitfalls-when-trying-to-consolidate-debts#comments</comments>
		<pubDate>Wed, 11 Jan 2012 23:40:14 +0000</pubDate>
		<dc:creator>Nicholas P</dc:creator>
				<category><![CDATA[Debt Free Citizen]]></category>
		<category><![CDATA[Consolidate Debts]]></category>
		<category><![CDATA[Debts]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/debt-free-citizen/how-to-avoid-pitfalls-when-trying-to-consolidate-debts</guid>
		<description><![CDATA[The decision to consolidate debts is one that can yield great financial rewards. Gaining control of your finances by consolidating your bills into one payment is an effective technique that can help to save you money in the long run. Paying interest rates on many different debts at once can become costly and can lead [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/debt-free-citizen/how-to-avoid-pitfalls-when-trying-to-consolidate-debts/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sixth Circuit Affirms Voiding of Mortgage Due to Banks Alleged Forgery of Signatures &#8211; Sutter v. U.S. National Bank</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/sixth-circuit-affirms-voiding-of-mortgage-due-to-banks-alleged-forgery-of-signatures-sutter-v-u-s-national-bank</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/sixth-circuit-affirms-voiding-of-mortgage-due-to-banks-alleged-forgery-of-signatures-sutter-v-u-s-national-bank#comments</comments>
		<pubDate>Sat, 07 Jan 2012 15:17:47 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Due]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/sixth-circuit-affirms-voiding-of-mortgage-due-to-banks-alleged-forgery-of-signatures-sutter-v-u-s-national-bank</guid>
		<description><![CDATA[At Howard Law, P.C., our  Riverside County foreclosure defense attorneys have written here many times about the paperwork problems that have flooded the courts since the mortgage crisis. This includes some instances of shady or semilegal behavior by lenders, such as robo-signing, post-dating documents and failure to check into evidence. However, we have never [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/sixth-circuit-affirms-voiding-of-mortgage-due-to-banks-alleged-forgery-of-signatures-sutter-v-u-s-national-bank/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top Money Mistakes That Lead Chicago Couples Into Bankruptcy</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/top-money-mistakes-that-lead-chicago-couples-into-bankruptcy</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/top-money-mistakes-that-lead-chicago-couples-into-bankruptcy#comments</comments>
		<pubDate>Mon, 02 Jan 2012 16:42:41 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/top-money-mistakes-that-lead-chicago-couples-into-bankruptcy</guid>
		<description><![CDATA[Let&#8217;s face it: Not everyone is good at managing their finances. While many people are victimized by scams, poor investments or even by their own banks or credit card companies, there are those who require help in handling their financial world.
Sometimes, the problem is magnified when a person gets married or becomes involved with another [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/top-money-mistakes-that-lead-chicago-couples-into-bankruptcy/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Comprehensive Care Plans Must Be Instituted to Halt the Incidence of Bed Sores, Pressure Sores and Decubitus Ulcers says Nursing Home Abuse and Neglect Attorney Steven Peck</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/comprehensive-care-plans-must-be-instituted-to-halt-the-incidence-of-bed-sores-pressure-sores-and-decubitus-ulcers-says-nursing-home-abuse-and-neglect-attorney-steven-peck</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/comprehensive-care-plans-must-be-instituted-to-halt-the-incidence-of-bed-sores-pressure-sores-and-decubitus-ulcers-says-nursing-home-abuse-and-neglect-attorney-steven-peck#comments</comments>
		<pubDate>Tue, 13 Dec 2011 12:44:45 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>
		<category><![CDATA[Bed Sores]]></category>
		<category><![CDATA[Pressure Sores]]></category>
		<category><![CDATA[Sores]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/comprehensive-care-plans-must-be-instituted-to-halt-the-incidence-of-bed-sores-pressure-sores-and-decubitus-ulcers-says-nursing-home-abuse-and-neglect-attorney-steven-peck</guid>
		<description><![CDATA[Effective prevention and treatment measures depend on a comprehensive care plan that includes scheduled turning and body repositioning in order to stop the incidence of Bed Sores, Pressure Sores and Decubitus Ulcers says Nursing Home Abuse and Neglect Attorney Steven Peck. There is evidence that the frequency and intervals between turnings may be more critical [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/comprehensive-care-plans-must-be-instituted-to-halt-the-incidence-of-bed-sores-pressure-sores-and-decubitus-ulcers-says-nursing-home-abuse-and-neglect-attorney-steven-peck/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding 0% APR offers</title>
		<link>http://www.debtfreecitizen.info/debt-free-citizen/understanding-0-apr-offers</link>
		<comments>http://www.debtfreecitizen.info/debt-free-citizen/understanding-0-apr-offers#comments</comments>
		<pubDate>Wed, 07 Dec 2011 01:55:44 +0000</pubDate>
		<dc:creator>Nicholas P</dc:creator>
				<category><![CDATA[Debt Free Citizen]]></category>
		<category><![CDATA[Apr Offers]]></category>
		<category><![CDATA[Offers]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/debt-free-citizen/understanding-0-apr-offers</guid>
		<description><![CDATA[Many people are familiar with the attractive offers for low 0% introductory APRs. These offers lure in consumers with the promise of low or zero finance charges for new customers. Although it may seem like a good idea to take advantage of these offers while they are available, it is better to understand the fine [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/debt-free-citizen/understanding-0-apr-offers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New York High Court Allows Lawsuit Alleging Appraisal Company Inflated Home Prices &#8211; People v. First American Corp.</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/new-york-high-court-allows-lawsuit-alleging-appraisal-company-inflated-home-prices-people-v-first-american-corp</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/new-york-high-court-allows-lawsuit-alleging-appraisal-company-inflated-home-prices-people-v-first-american-corp#comments</comments>
		<pubDate>Mon, 05 Dec 2011 17:54:43 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/new-york-high-court-allows-lawsuit-alleging-appraisal-company-inflated-home-prices-people-v-first-american-corp</guid>
		<description><![CDATA[As San Bernardino foreclosure defense attorneys, we read a lot in the early days of the mortgage crisis about contributions to the bubble from mortgage professionals. In the days when mortgage lending was easy, some observers say, banks made credit far too easy to obtain and pressured prices upward, knowing they would quickly securitize the [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/new-york-high-court-allows-lawsuit-alleging-appraisal-company-inflated-home-prices-people-v-first-american-corp/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chicago Bankruptcy Aids in Foreclosure Prevention Unlike Fed Plans</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/chicago-bankruptcy-aids-in-foreclosure-prevention-unlike-fed-plans</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/chicago-bankruptcy-aids-in-foreclosure-prevention-unlike-fed-plans#comments</comments>
		<pubDate>Thu, 01 Dec 2011 07:35:20 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/chicago-bankruptcy-aids-in-foreclosure-prevention-unlike-fed-plans</guid>
		<description><![CDATA[Our nation&#8217;s economy and the world&#8217;s economy has struggled to get recover after years of bank business that went largely unregulated.
After the collapse of the United States&#8217; real estate market, things have been slow to recover. After years of prosperity in the mid 2000s, times have quickly turned bleak as banks and other businesses began [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/chicago-bankruptcy-aids-in-foreclosure-prevention-unlike-fed-plans/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips for building credit history</title>
		<link>http://www.debtfreecitizen.info/debt-free-citizen/tips-for-building-credit-history</link>
		<comments>http://www.debtfreecitizen.info/debt-free-citizen/tips-for-building-credit-history#comments</comments>
		<pubDate>Wed, 30 Nov 2011 23:42:59 +0000</pubDate>
		<dc:creator>Nicholas P</dc:creator>
				<category><![CDATA[Debt Free Citizen]]></category>
		<category><![CDATA[Credit History]]></category>
		<category><![CDATA[History]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/debt-free-citizen/tips-for-building-credit-history</guid>
		<description><![CDATA[College students and those just beginning their employment careers are often in need of establishing a solid credit history. Credit history can affect your ability to receive a car loan, rent an apartment and even receive an offer for employment. Without adequate credit history, it can very difficult to obtain any of these life necessities. [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/debt-free-citizen/tips-for-building-credit-history/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Nursing Homes Are Severly At Risk For Gastrointestinal Infections Says Elder Abuse Lawyer Steven Peck</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/nursing-homes-are-severly-at-risk-for-gastrointestinal-infections-says-elder-abuse-lawyer-steven-peck</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/nursing-homes-are-severly-at-risk-for-gastrointestinal-infections-says-elder-abuse-lawyer-steven-peck#comments</comments>
		<pubDate>Fri, 25 Nov 2011 10:27:19 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>
		<category><![CDATA[Nursing Homes]]></category>
		<category><![CDATA[Risk]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/nursing-homes-are-severly-at-risk-for-gastrointestinal-infections-says-elder-abuse-lawyer-steven-peck</guid>
		<description><![CDATA[Nursing Homes may be at unique risk for outbreaks of gastrointestinal disease. Multiple chronic diseases and functional impairments, as well as common air, food, water, and medical care, heighten the potential for an outbreak, as do prolonged lengths of stay, limited diagnostic facilities, and poorly developed infection-control programs.[
Among epidemic illnesses, outbreaks of gastrointestinal disease may [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/nursing-homes-are-severly-at-risk-for-gastrointestinal-infections-says-elder-abuse-lawyer-steven-peck/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The University of New Mexico proves to be instrumental to the State economy</title>
		<link>http://www.debtfreecitizen.info/debt-free-citizen/the-university-of-new-mexico-proves-to-be-instrumental-to-the-state-economy</link>
		<comments>http://www.debtfreecitizen.info/debt-free-citizen/the-university-of-new-mexico-proves-to-be-instrumental-to-the-state-economy#comments</comments>
		<pubDate>Wed, 23 Nov 2011 14:35:16 +0000</pubDate>
		<dc:creator>Nicholas P</dc:creator>
				<category><![CDATA[Debt Free Citizen]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[New Mexico]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/debt-free-citizen/the-university-of-new-mexico-proves-to-be-instrumental-to-the-state-economy</guid>
		<description><![CDATA[The University of New Mexico has proven itself to be an indispensable asset to the state’s economy. A recent report exhibits data that supports this finding. As the economy of NM continues to show positive signs of improvement, the University remains a strong economic contributor and will continue to do so for years to come.
The [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/debt-free-citizen/the-university-of-new-mexico-proves-to-be-instrumental-to-the-state-economy/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Arkansas’ economy remains stable</title>
		<link>http://www.debtfreecitizen.info/debt-free-citizen/arkansas%e2%80%99-economy-remains-stable</link>
		<comments>http://www.debtfreecitizen.info/debt-free-citizen/arkansas%e2%80%99-economy-remains-stable#comments</comments>
		<pubDate>Sat, 19 Nov 2011 13:42:24 +0000</pubDate>
		<dc:creator>Nicholas P</dc:creator>
				<category><![CDATA[Debt Free Citizen]]></category>
		<category><![CDATA[Stable]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/debt-free-citizen/arkansas%e2%80%99-economy-remains-stable</guid>
		<description><![CDATA[Despite the economic devastation that has been ransacking the nation, the state of Arkansas has maintained an established economy that has continued to remain stable. The economy of AR has not seen the rise in unemployment rates that has affected the rest of the country and in fact, their unemployment rate remains well below the [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/debt-free-citizen/arkansas%e2%80%99-economy-remains-stable/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Eighth Circuit Resurrects Action to Find Debt Nondischargeable Due to Fraud &#8211; Bauer v. Gilmartin</title>
		<link>http://www.debtfreecitizen.info/avoid-bankruptcy/eighth-circuit-resurrects-action-to-find-debt-nondischargeable-due-to-fraud-bauer-v-gilmartin</link>
		<comments>http://www.debtfreecitizen.info/avoid-bankruptcy/eighth-circuit-resurrects-action-to-find-debt-nondischargeable-due-to-fraud-bauer-v-gilmartin#comments</comments>
		<pubDate>Mon, 14 Nov 2011 14:43:53 +0000</pubDate>
		<dc:creator>Gregory T</dc:creator>
				<category><![CDATA[Avoid Bankruptcy]]></category>
		<category><![CDATA[Bauer V]]></category>
		<category><![CDATA[Gilmartin]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/avoid-bankruptcy/eighth-circuit-resurrects-action-to-find-debt-nondischargeable-due-to-fraud-bauer-v-gilmartin</guid>
		<description><![CDATA[As Chino Hills consumer bankruptcy attorneys, we were interested to read about an unusual reversal of a court decision protecting a bankruptcy debtor from creditors. In Bauer v. Gilmartin, the Bankruptcy Appellate Panel of the Eighth U.S. Circuit Court of Appeals found that James Gilmartin&#8217;s debt to Larry and Cheryl Bauer should be nondischargeable because [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/avoid-bankruptcy/eighth-circuit-resurrects-action-to-find-debt-nondischargeable-due-to-fraud-bauer-v-gilmartin/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The basics of joint account debt settlements</title>
		<link>http://www.debtfreecitizen.info/debt-free-citizen/the-basics-of-joint-account-debt-settlements</link>
		<comments>http://www.debtfreecitizen.info/debt-free-citizen/the-basics-of-joint-account-debt-settlements#comments</comments>
		<pubDate>Fri, 11 Nov 2011 03:16:14 +0000</pubDate>
		<dc:creator>Nicholas P</dc:creator>
				<category><![CDATA[Debt Free Citizen]]></category>
		<category><![CDATA[Account]]></category>
		<category><![CDATA[Account Debt]]></category>

		<guid isPermaLink="false">http://www.debtfreecitizen.info/debt-free-citizen/the-basics-of-joint-account-debt-settlements</guid>
		<description><![CDATA[Settling delinquent credit accounts can prove to be a lengthy and complicated process. This process can be compounded when working with not one but two individuals. This is the case when working with a joint account settlement. Understanding the basics of settling a joint account can help you understand how the process works.
Settling a joint [...]]]></description>
		<wfw:commentRss>http://www.debtfreecitizen.info/debt-free-citizen/the-basics-of-joint-account-debt-settlements/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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