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	<title>Comments on: Debt charities unable to help: Five steps to help yourself</title>
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		<title>By: Simon Bing</title>
		<link>http://www.totallymoney.com/news/index.php/2009/05/debt-charities-unable-to-help-five-steps-to-help-yourself/comment-page-1/#comment-4518</link>
		<dc:creator>Simon Bing</dc:creator>
		<pubDate>Mon, 31 Aug 2009 17:56:30 +0000</pubDate>
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		<description>Might I add that if you have credit card accounts dating back before 2007 you might consider checking whether or not you are legally obliged to pay them.  Sometimes referred to as Debt Loopholes they are not strictly loopholes but protection afforded to consumers under various laws (for example the Consumer Credit Act 1974). There is a lots of information about the various &#039;loopholes&#039; on the web.  Good luck!</description>
		<content:encoded><![CDATA[<p>Might I add that if you have credit card accounts dating back before 2007 you might consider checking whether or not you are legally obliged to pay them.  Sometimes referred to as Debt Loopholes they are not strictly loopholes but protection afforded to consumers under various laws (for example the Consumer Credit Act 1974). There is a lots of information about the various &#8216;loopholes&#8217; on the web.  Good luck!</p>
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	<item>
		<title>By: Rallie Rallis</title>
		<link>http://www.totallymoney.com/news/index.php/2009/05/debt-charities-unable-to-help-five-steps-to-help-yourself/comment-page-1/#comment-3932</link>
		<dc:creator>Rallie Rallis</dc:creator>
		<pubDate>Fri, 26 Jun 2009 03:33:57 +0000</pubDate>
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		<description>We need to go back to the time before credit cards, and stop getting into debit. Many people are starting home base business to generate extra income to get out of debit, or build financial security...</description>
		<content:encoded><![CDATA[<p>We need to go back to the time before credit cards, and stop getting into debit. Many people are starting home base business to generate extra income to get out of debit, or build financial security&#8230;</p>
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		<title>By: Adil Sardar</title>
		<link>http://www.totallymoney.com/news/index.php/2009/05/debt-charities-unable-to-help-five-steps-to-help-yourself/comment-page-1/#comment-3694</link>
		<dc:creator>Adil Sardar</dc:creator>
		<pubDate>Tue, 26 May 2009 10:40:03 +0000</pubDate>
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		<description>This is really a worldwide problem. The world is going more towards the loans and credits.
One must spend the money which is at their hands. Dont spread your feet more then sheet at your disposal.</description>
		<content:encoded><![CDATA[<p>This is really a worldwide problem. The world is going more towards the loans and credits.<br />
One must spend the money which is at their hands. Dont spread your feet more then sheet at your disposal.</p>
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		<title>By: Frank</title>
		<link>http://www.totallymoney.com/news/index.php/2009/05/debt-charities-unable-to-help-five-steps-to-help-yourself/comment-page-1/#comment-3686</link>
		<dc:creator>Frank</dc:creator>
		<pubDate>Mon, 25 May 2009 17:05:22 +0000</pubDate>
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		<description>This is a worldwide situation</description>
		<content:encoded><![CDATA[<p>This is a worldwide situation</p>
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