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	<title>HoffmanBrinker.com/blog &#187; Answers To FAQ</title>
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	<description>Articles, Editorials &#038; Expert Opinions: Credit Card Debt, Collections, Settlement, Etc.</description>
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		<title>Bankruptcy FAQs</title>
		<link>http://hoffmanbrinker.com/blog/bankruptcy-faqs.html</link>
		<comments>http://hoffmanbrinker.com/blog/bankruptcy-faqs.html#comments</comments>
		<pubDate>Thu, 24 Sep 2009 22:28:33 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=59</guid>
		<description><![CDATA[No one ever wants to file bankruptcy, that&#8217;s for sure. But if you&#8217;re having financial difficulties you owe it to yourself to educate yourself on the basics of bankruptcy because it might just end up being the best solution for you afterall. Today I ran across an excellent resource that answers virtually any question you would want answered [...]]]></description>
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		<title>Cross-Collaterization: Yes, They Really Can Take Your Money</title>
		<link>http://hoffmanbrinker.com/blog/cross-collateralization.html</link>
		<comments>http://hoffmanbrinker.com/blog/cross-collateralization.html#comments</comments>
		<pubDate>Thu, 06 Aug 2009 19:19:16 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>

		<guid isPermaLink="false">http://hoffmanbrinker.com/blog/?p=34</guid>
		<description><![CDATA[Yesterday I got a call from someone saying that his credit card company just went into his checking account and cleaned him out. They took his money and gave no advance warning. He was flabbergasted and wanted to know if this was legal. As much as I hate to say it, the answer is yes. [...]]]></description>
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		<title>The Credit Card Accountability, Responsibility and Disclosure (CARD) Act</title>
		<link>http://hoffmanbrinker.com/blog/credit-card-reform-bill.html</link>
		<comments>http://hoffmanbrinker.com/blog/credit-card-reform-bill.html#comments</comments>
		<pubDate>Fri, 12 Jun 2009 19:45:14 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>

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		<description><![CDATA[  President Obama signed the Credit Card Accountability, Responsibility and Disclosure (CARD) Act on May 22, 2009, which provides a sweeping overhaul of how consumer credit is handled by credit card companies. The bill provides strong and reliable protections for consumers against what some have considered unfair and deceptive practices by certain financial institutions. The new law will go [...]]]></description>
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		<title>Credit Card Charge-Off vs. Credit Card Write-Off</title>
		<link>http://hoffmanbrinker.com/blog/credit-card-charge-off-write-off.html</link>
		<comments>http://hoffmanbrinker.com/blog/credit-card-charge-off-write-off.html#comments</comments>
		<pubDate>Fri, 05 Jun 2009 14:38:32 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>

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		<description><![CDATA[                    A charge-off and a write-off sound a lot alike, but they are two very different things.  Charge-Off The term &#8220;charge-off&#8221; equates to when a credit card account reaches 180 days past due. At that point, the credit card company is required to reclassify the account [...]]]></description>
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		<title>Credit Card Bailout &#8230; Your Lucky Day?</title>
		<link>http://hoffmanbrinker.com/blog/credit-card-bailout.html</link>
		<comments>http://hoffmanbrinker.com/blog/credit-card-bailout.html#comments</comments>
		<pubDate>Thu, 09 Oct 2008 19:46:28 +0000</pubDate>
		<dc:creator>Mark Brinker</dc:creator>
				<category><![CDATA[Answers To FAQ]]></category>
		<category><![CDATA[Observations]]></category>

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		<description><![CDATA[During the past several weeks, one question that clients and prospective clients have been asking me every single day is, &#8220;What effect is the current financial crisis in the U.S. (as well as the rest of the world) going to have on my ability to obtain a settlement for less than full balance with my credit card [...]]]></description>
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