tag:blogger.com,1999:blog-77550969506060468962024-03-13T12:36:49.794-07:00How to settle credit card debt yourselfhow to settle credit card debt | settling credit card debt | credit card debt settlement | do it yourself debt settlement | debt settlement tips | debt settlement guide | debt settlement help | how to consolidate debt | eliminate credit card debt | debt settlement solution | debt settlement tips | debt settlement guideUnknownnoreply@blogger.comBlogger2125tag:blogger.com,1999:blog-7755096950606046896.post-21808905467013639972009-08-19T07:20:00.000-07:002009-09-03T17:48:22.595-07:00How to Settle Your Credit Card Debt<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_nvesdYhqlRA/SowMFtsJezI/AAAAAAAABcw/vs9Km7_MGlA/s1600-h/creditcardcut.jpeg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 240px; height: 160px;" src="http://2.bp.blogspot.com/_nvesdYhqlRA/SowMFtsJezI/AAAAAAAABcw/vs9Km7_MGlA/s400/creditcardcut.jpeg" border="0" alt="" id="BLOGGER_PHOTO_ID_5371681747849804594" /></a><span class="Apple-style-span" style="font-size: medium;"><br /></span><div><span class="Apple-style-span" style="font-size: medium;">By Kenny Golde - eHow Community Member</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">"The Do-It-Yourself Bailout"</span></b></div><div><span class="Apple-style-span" style="font-size: medium;">Negotiating settlements on </span><b><span class="Apple-style-span" style="font-size: medium;">credit card debt</span></b><span class="Apple-style-span" style="font-size: medium;"> is one of the fastest ways to reduced large portions of your </span><b><span class="Apple-style-span" style="font-size: medium;">credit card debt</span></b><span class="Apple-style-span" style="font-size: medium;"> permanently. Although there are many companies advertising on radio and television to work for you in settling your </span><b><span class="Apple-style-span" style="font-size: medium;">credit card debt</span></b><span class="Apple-style-span" style="font-size: medium;">, it is possible to do it yourself without paying additional fees or a percentage of the amount you save to a third party. Here are five major points to keep in mind when settling your </span><b><span class="Apple-style-span" style="font-size: medium;">credit card debt</span></b><span class="Apple-style-span" style="font-size: medium;">.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">Step 1 - It will be necessary to stop making payments on your credit cards. </span></b></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">Generally, it seems that most banks, </span><b><span class="Apple-style-span" style="font-size: medium;">credit card issuers</span></b><span class="Apple-style-span" style="font-size: medium;"> and other lending institutions are not interested in negotiating settlements with customers who are current on their payments. In my experience, most people who could save many thousands of dollars through </span><b><span class="Apple-style-span" style="font-size: medium;">debt settlement </span></b><span class="Apple-style-span" style="font-size: medium;">will not do so because they do not want to miss payments for two reasons. </span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><i><b><span class="Apple-style-span" style="font-size: medium;">a. First, they are worried about their credit score. </span></b></i></div><div><span class="Apple-style-span" style="font-size: medium;">The fear of hurting our </span><b><span class="Apple-style-span" style="font-size: medium;">credit score</span></b><span class="Apple-style-span" style="font-size: medium;"> is quite common. Though I do not suggest that you should toss all concern for your </span><b><span class="Apple-style-span" style="font-size: medium;">credit score </span></b><span class="Apple-style-span" style="font-size: medium;">to the wind, I do suggest that you include consideration of your </span><b><span class="Apple-style-span" style="font-size: medium;">credit score</span></b><span class="Apple-style-span" style="font-size: medium;"> as one point in a larger context of your overall finances. Your</span><b><span class="Apple-style-span" style="font-size: medium;"> credit score</span></b><span class="Apple-style-span" style="font-size: medium;"> is a tool that lenders use to determine the risk in lending to you. In many cases, having a </span><b><span class="Apple-style-span" style="font-size: medium;">lower credit score </span></b><span class="Apple-style-span" style="font-size: medium;">does not mean that you cannot get credit, only that the credit will come at higher interest. If the amount you can save through </span><b><span class="Apple-style-span" style="font-size: medium;">debt settlement </span></b><span class="Apple-style-span" style="font-size: medium;">greatly exceeds the amount you will pay through higher interest on a</span><b><span class="Apple-style-span" style="font-size: medium;"> future loan</span></b><span class="Apple-style-span" style="font-size: medium;">, than the benefit of settlement outweighs the drop in credit score. </span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><i><span class="Apple-style-span" style="font-size: medium;">b. Second, they fell somehow "wrong" in missing a credit card payment. </span></i></b></div><div><span class="Apple-style-span" style="font-size: medium;">This is because we, as individuals, are taught to attach a great deal of emotion to our finances general and negative emotion to debt and the inability to </span><b><span class="Apple-style-span" style="font-size: medium;">pay off debt</span></b><span class="Apple-style-span" style="font-size: medium;">. By separating all emotionality from debt, you will be more successful in your settlement negotiations, which brings us to point number 2.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">Step 2 - Treat debt settlement like a business negotiation, because it is. </span></b></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">There is nothing wrong with you for being in </span><b><span class="Apple-style-span" style="font-size: medium;">debt</span></b><span class="Apple-style-span" style="font-size: medium;">. You are not a failure or a bad person. Our world runs on </span><b><span class="Apple-style-span" style="font-size: medium;">debt</span></b><span class="Apple-style-span" style="font-size: medium;">, every dollar in your pocket represents </span><b><span class="Apple-style-span" style="font-size: medium;">debt </span></b><span class="Apple-style-span" style="font-size: medium;">(the U.S. government owes the Federal Reserve $1 for borrowing that note). You are encouraged to borrow for school, cars, clothes, gasoline, homes and business. And in today's economy, many of us are turning to credit to meet the shortfall between our income and our monthly expenses. </span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">This is the world we live in and the businesses that have chosen to </span><b><span class="Apple-style-span" style="font-size: medium;">lend money</span></b><span class="Apple-style-span" style="font-size: medium;"> understand that life happens and some of their </span><b><span class="Apple-style-span" style="font-size: medium;">loans </span></b><span class="Apple-style-span" style="font-size: medium;">will not be repaid in full. The work those numbers into their business model they same way retailers know that November and December will be big and January will have a lot of returns. So when a collection's agent tries to intimidate you by calling into question your integrity because you are asking to settle the </span><b><span class="Apple-style-span" style="font-size: medium;">debt </span></b><span class="Apple-style-span" style="font-size: medium;">for less than is owed, remind yourself that this is a business deal and in business everyone is trying to negotiate the very best position for themselves or their company. </span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">You are the C.E.O of your own corporation, the corporation of You, and You have the right to reach the best financial terms for the health of your company as any other C.E.O. of any other business. One of the primary functions of every corporate C.E.O is keeping an eye on the company's</span><b><span class="Apple-style-span" style="font-size: medium;"> debt balances</span></b><span class="Apple-style-span" style="font-size: medium;"> and negotiating out of debts, writing off </span><b><span class="Apple-style-span" style="font-size: medium;">debts</span></b><span class="Apple-style-span" style="font-size: medium;">, or selling </span><b><span class="Apple-style-span" style="font-size: medium;">debts </span></b><span class="Apple-style-span" style="font-size: medium;">in order to raise capital. You read about it every day in the Wall St. Journal. And they never take it personally or tell themselves they are bad people for doing it. If you're going to play the same game, put yourself on the same playing field.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">Step 3 - Be patient. </span></b></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">In my experience, it takes three to four months from the time you stop making your payments before the banks or credit card companies will begin making </span><b><span class="Apple-style-span" style="font-size: medium;">settlement </span></b><span class="Apple-style-span" style="font-size: medium;">offers and their first offers will be very high. My own first offers ranged from 85% of the total </span><b><span class="Apple-style-span" style="font-size: medium;">debt </span></b><span class="Apple-style-span" style="font-size: medium;">to 92% of the total debt. One company offered to settle for my entire balance less the interest that had accrued from the time I stopped paying (no savings there). Usually, around the six month mark the bank will be getting ready to send the </span><b><span class="Apple-style-span" style="font-size: medium;">debt </span></b><span class="Apple-style-span" style="font-size: medium;">to a collection agency who will pay them far less for it, sometimes as little as 5%. Before that happens, they'll be motivated to settle with you for more than they'll get from collections. Generally, I hear about settlements in the 30-35% range as common after six to eight months of negotiating. I've heard as low as 15% but rarely. One of the biggest drawbacks to using a service agency to negotiate your debt (even one of the honest few) is that they don't have the same stamina as you. They are either working for a fee and what to put in as few hours as possible to up their hourly rate on that fee, or they are working on a commission and want to book it as quickly as possible. So when the first offers start coming in at 50-60%, they may tell you to take it because they book their fee and move onto the next client. You, on the other hand, will have the patience to wait two, three, four more months for a </span><b><span class="Apple-style-span" style="font-size: medium;">settlement </span></b><span class="Apple-style-span" style="font-size: medium;">in the 35%, maybe even 20% range because it means a greater savings to you.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">Step 4 - I settled a card with a $76,000 balance for only $25,000. Get your settlement agreements in writing. </span></b></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">I cannot stress this enough. I had one bank offer me a </span><b><span class="Apple-style-span" style="font-size: medium;">settlement</span></b><span class="Apple-style-span" style="font-size: medium;">, which I accepted, then tell me to send them the money and afterward they would send me a statement saying the account was settled in full. I asked, "Would you pay for a house and then look at the </span><b><span class="Apple-style-span" style="font-size: medium;">loan agreement</span></b><span class="Apple-style-span" style="font-size: medium;">?" Of course not. I had another bank settle with me then send the balance (the amount written off) to a collection agency to try to collect on it. If I hadn't had a </span><b><span class="Apple-style-span" style="font-size: medium;">settlement agreement</span></b><span class="Apple-style-span" style="font-size: medium;"> in writing I might have been stuck with that </span><b><span class="Apple-style-span" style="font-size: medium;">debt </span></b><span class="Apple-style-span" style="font-size: medium;">but with the agreement it went away.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">Step 5 - Live your life. </span></b></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">Too often we allow serious </span><b><span class="Apple-style-span" style="font-size: medium;">debt </span></b><span class="Apple-style-span" style="font-size: medium;">and the stress associated with it to define our lives, our relationships, our moods and our actions. Along with giving up the emotion attached to </span><b><span class="Apple-style-span" style="font-size: medium;">debt</span></b><span class="Apple-style-span" style="font-size: medium;">, give up the sense that you have to stop enjoying life just because you are having financial troubles. Smile, walk in the park, go to a movie, eat ice cream, love you spouse, laugh with your children. You have the debt, live with it, don't let it live you.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="color:#CC0000;"><span class="Apple-style-span" style="font-size: medium;">Tips & Warnings</span></span></b></div><div><span class="Apple-style-span" style="font-size: medium;">If you are considering </span><b><span class="Apple-style-span" style="font-size: medium;">debt settlement</span></b><span class="Apple-style-span" style="font-size: medium;">, please discuss the process with an attorney specializing in bankruptcy issues and your accountant.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="color: rgb(51, 51, 51); line-height: 20px; "><div><b><span class="Apple-style-span" style="color: rgb(204, 0, 0); "><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">Recommended Debt Guide - 01</span></span></span></b></div><div><span class="Apple-style-span" style="color:#000000;"><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">My best recommended ebook guide on </span></span><b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">DIY </span></span></b><span class="Apple-style-span" style="line-height: normal; font-weight: bold; "><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">debt settlement guide </span></span></span><span class="Apple-style-span" style="line-height: normal; "><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">is the </span></span><b><a href="http://bf06ca7qomhwdx3e0cfwfq6pc5.hop.clickbank.net/"><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">Ultimate Debt Guide,</span></span></a></b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;"> written by Scott Stephen. This ebook </span></span><span class="Apple-style-span" style="border-collapse: collapse; "><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">reveals all of the 'filthy lies' and nonsense going on with the so called "</span></span><b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">expert advice</span></span></b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">" from </span></span><span class="Apple-style-span" style="border-collapse: separate; font-weight: bold; "><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">debt settlement companies. </span></span><span class="Apple-style-span" style="font-weight: normal; "><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">The ebook guide was written based on </span></span></span><span class="Apple-style-span" style="font-weight: normal; border-collapse: collapse; "><span class="Apple-style-span" style="border-collapse: separate; "><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">Scott Stephen's </span></span></span><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">experience of going through the </span></span><b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">debt consolidation</span></span></b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;"> process many times in his life and eventually had to declare bankruptcy </span></span><b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">on three separate occasions.</span></span></b></span></span></span></span></span></div><div><span class="Apple-style-span" style="color:#000000;"><span class="Apple-style-span" style="border-collapse: collapse; line-height: normal; "><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">For more details, visit the website at</span></span><b><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;"> ===> </span></span><a href="http://bf06ca7qomhwdx3e0cfwfq6pc5.hop.clickbank.net/"><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: medium;">www.ultimatedebtguide.com</span></span></a></b></span></span></div></span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="color:#CC0000;"><span class="Apple-style-span" style="font-size: medium;">Recommended Debt Guide - 02</span></span></b></div><div><span class="Apple-style-span" style="font-size: medium;">If you'd like to improve your knowledge on </span><b><span class="Apple-style-span" style="font-size: medium;">DIY credit card debt settlement</span></b><span class="Apple-style-span" style="font-size: medium;">, I also recommend you to read an ebook guide on </span><span class="Apple-style-span" style="font-weight: bold; "><span class="Apple-style-span" style="font-size: medium;">DIY credit card debt settlement </span></span><span class="Apple-style-span" style="font-size: medium;">written by </span><b><span class="Apple-style-span" style="font-size: medium;">Maria Martin</span></b><span class="Apple-style-span" style="font-size: medium;">, who exposes the complete tips and guide on how she settled up to 50%-80% of her </span><b><span class="Apple-style-span" style="font-size: medium;">credit card debt</span></b><span class="Apple-style-span" style="font-size: medium;"> balance from </span><b><span class="Apple-style-span" style="font-size: medium;">5 credit card companies</span></b><span class="Apple-style-span" style="font-size: medium;">!</span></div><div><span class="Apple-style-span" style="font-size: medium;">Visit her website at ===> </span><b><a href="http://335a7f5lgemscocj580jn-k60y.hop.clickbank.net/"><span class="Apple-style-span" style="font-size: medium;">www.secrets2debtsettlement.com</span></a></b></div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-7755096950606046896.post-18935598326275827252009-08-19T06:59:00.000-07:002009-09-03T17:51:04.904-07:00Settle your own credit card debt<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_nvesdYhqlRA/SowJPwCGClI/AAAAAAAABco/PQ76xMafrAo/s1600-h/debt_elimination.jpeg"><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 300px; height: 225px;" src="http://4.bp.blogspot.com/_nvesdYhqlRA/SowJPwCGClI/AAAAAAAABco/PQ76xMafrAo/s320/debt_elimination.jpeg" border="0" alt="" id="BLOGGER_PHOTO_ID_5371678621742533202" /></a><span class="Apple-style-span" style="font-size: medium;"><br /></span><div><b><span class="Apple-style-span" style="font-size: medium;">How to settle credit card debt yourself</span></b></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">If you’re facing problems making your </span><b><span class="Apple-style-span" style="font-size: medium;">credit card payments</span></b><span class="Apple-style-span" style="font-size: medium;">, you might find help in the most unlikely place – your </span><b><span class="Apple-style-span" style="font-size: medium;">credit card issuer</span></b><span class="Apple-style-span" style="font-size: medium;">. As more Americans fall behind on their bills, </span><b><span class="Apple-style-span" style="font-size: medium;">credit card companies</span></b><span class="Apple-style-span" style="font-size: medium;"> are having to write off this debt. To cut their losses, issuers now appear to be more open to settling or negotiating a payment plan for your </span><b><span class="Apple-style-span" style="font-size: medium;">credit card debts</span></b><span class="Apple-style-span" style="font-size: medium;">. Here’s your best strategy for cutting a deal.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">1) Get in touch with your lender</span></b></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">If you’ve lost a job or your monthly payments are just unmanageable, call your</span><b><span class="Apple-style-span" style="font-size: medium;"> credit card company</span></b><span class="Apple-style-span" style="font-size: medium;"> before you miss the first payment. Your lender may be more willing to work with you. Ask to have your interest rate lowered or try to negotiate a payment schedule. Banks are generally more willing to change the terms of your contract than to forgive your balance.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">2) Getting your debt settled</span></b></div><div><b><span class="Apple-style-span" style="font-size: medium;"><br /></span></b></div><div><b><span class="Apple-style-span" style="font-size: medium;">Credit card companies</span></b><span class="Apple-style-span" style="font-size: medium;"> don’t have hard and fast rules about who qualifies for </span><b><span class="Apple-style-span" style="font-size: medium;">debt settlement</span></b><span class="Apple-style-span" style="font-size: medium;">. In general however, if you’re 90 days or more delinquent on your credit card bill and there’s no hope of paying off your card, your lender may offer to settle, or forgive a portion of that debt. </span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">Make sure you call your lender and ask about this option. But keep your expectations in check. It’s unlikely that all–or most– of your </span><b><span class="Apple-style-span" style="font-size: medium;">credit card debt</span></b><span class="Apple-style-span" style="font-size: medium;"> will be wiped away. And beware that if you do settle some of your debt, it may be reported to the credit bureaus as a </span><b><span class="Apple-style-span" style="font-size: medium;">debt settlement</span></b><span class="Apple-style-span" style="font-size: medium;">. And that could hurt your </span><b><span class="Apple-style-span" style="font-size: medium;">credit score</span></b><span class="Apple-style-span" style="font-size: medium;"> for years to come. </span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">On the other hand, if the </span><b><span class="Apple-style-span" style="font-size: medium;">debt settlement</span></b><span class="Apple-style-span" style="font-size: medium;"> is reported as “paid in full” on your report, it may not have a negative impact on your score. Make sure you ask exactly how it will be reported to the credit bureaus. In addition, if the portion of the forgiven debt is over $600, you will have to pay income taxes on that amount.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><b><span class="Apple-style-span" style="font-size: medium;">3) Forget third-party debt settlement companies</span></b></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="font-size: medium;">Don’t buy into ads from </span><span class="Apple-style-span" style="font-weight: bold; "><span class="Apple-style-span" style="font-size: medium;">debt settlement companies</span></span><span class="Apple-style-span" style="font-size: medium;"> that promise to cut your debt in half. They usually charge high fees for services you can perform yourself for free. If you aren’t able to negotiate at all with your </span><b><span class="Apple-style-span" style="font-size: medium;">credit card company</span></b><span class="Apple-style-span" style="font-size: medium;">, seek help from a</span><b><span class="Apple-style-span" style="font-size: medium;"> non-profit accredited credit counseling agency</span></b><span class="Apple-style-span" style="font-size: medium;"> like the </span><b><span class="Apple-style-span" style="font-size: medium;">National Foundation for Credit Counselors</span></b><span class="Apple-style-span" style="font-size: medium;">. Counselors can negotiate with </span><b><span class="Apple-style-span" style="font-size: medium;">credit card companies</span></b><span class="Apple-style-span" style="font-size: medium;"> on your behalf and you may be put on a </span><b><span class="Apple-style-span" style="font-size: medium;">debt management plan</span></b><span class="Apple-style-span" style="font-size: medium;"> to help you pay down your debt.</span></div><div><span class="Apple-style-span" style="font-size: medium;"><br /></span></div><div><span class="Apple-style-span" style="color: rgb(51, 51, 51); line-height: 20px; font-size:13px;"><div><span class="Apple-style-span" style="font-size:130%;"><span class="Apple-style-span" style="font-size: 16px;"><span class="Apple-style-span" style="color:#000000;">Thanks for visiting this blog and I hope that you'll succeed in <b>settling your debts</b>. Good luck!</span></span></span></div><div><span class="Apple-style-span" style="font-size:130%;color:#000000;"><span class="Apple-style-span" style="font-size: 16px;"><br /></span></span></div><div><span class="Apple-style-span" style="font-size:130%;"><span class="Apple-style-span" style="font-size:16px;"><br /></span></span><b></b></div></span></div>Unknownnoreply@blogger.com