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					I just sent this post to a bunch of my friends as I agree with
most of what you’re saying here and the way you’ve presented it
is awesome.

I also blog from time to time on this stuff. In fact, here’s an
expert from my most recent blog post…

Credit card debt is the number one type of debt in America and as the economy ebbs and
flows, more and more Americas are succumbing to higher levels of credit card debt.
Credit card debt can be crippling to the monthly finances of your house and, if left
unacknowledged, have a detrimental effect on your credit rating and future borrowing
opportunities.

The complete post can be viewed easily on the following page…

<INSERT BLOG URL HERE>

Keep up the good work,
<YOURNAME>

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I agree with most of what you’re saying. I just posted
something similar to what you’re talking about on my blog.

Here’s part of what I said…

Before you find a credit counselor, you need to understand your level of debt. First, make
a list of all the medical debt you have and you should include the following information
for each medical account: creditor, creditor contact information, interest rate, monthly
payment and current balance. Second, take a deep breath and add it all up. This may be a
hard number to face, but you need to be honest with your self and your credit counselor
in order to face your medical debt head on and find a reasonable solution.

If you want to check out the full context and leave a comment
you can check out the full post here…

<INSERT BLOG URL HERE>

Talk to you later,
<YOURNAME>

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While we don’t agree on everything in your post, I do tend to
get a refreshing view every time I read one of your posts.
Here’s a related comment from a post that I recently published…

If you are considering the options of debt management that work the best for school loans
and debts, credit counseling can help you find the answers you need. Credit counseling
companies are abundant and often offer services for free or little cost, depending on your
financial obligations and reality. Many credit counseling organizations are non-profit
offering services and help for free. Credit counselors are often trained well in the
different areas of debt consolidation, debt negotiation, credit repair and planning for a
successful financial future. They should also have a vast knowledgeable about the world
of school loans and the different tactics that can be used to help pay them down or offer
settlement options to your creditors.

If you’d like to read and comment on that statement, check out
the full blog post and get in touch.

<INSERT BLOG URL HERE>

Thanks,
<YOURNAME>

###

I recently posted something related to this on my blog over at…

Step 1: The first things you need to do are a get a grasp on your level of debt and face it
head on. You need to order and print them out. They can be ordered on the Equifax and
other credit reporting agency web sites and then you can print them out. The reason
printing them is the best way to handle it, is because you can then spread everything out
in front of you and get a good look at the items on there. Also, pull all your recent
statements and bills and put them on the table or work surface with your credit reports. If
you are more about computers, then use Excel to create the following list and them
formulate a cell for a grand total at the bottom or top of the list. The list should include
the creditor, creditor contact information, due date, monthly payment, interest rate and
current balance. Cross check the information you pull from your bill pile with that from
your credit reports to make sure there are no doubles and that the information is the most
up to date as possible.

Take a look and please feel free to drop in a comment with your
own two cents as well…

<INSERT BLOG URL HERE>

Thank you,
<YOUR NAME>
###

While we don’t agree on everything in your post, I do tend to
get a refreshing view every time I read one of your posts.

Here’s a related comment from a post that I recently published…

Debt negotiation is a form of debt management that allows you or a representative for
you to contact your creditors and negotiate with them to lower monthly payments,
interest rates or come to a settlement agreement to pay off the loan or account balance at
a lower amount. This can be intimidating for many debtors to do, but with the help of a
credit counselor the process can be rewarding and successful.

If you’d like to read and comment on that statement, check out
the full blog post and get in touch.

<INSERT BLOG URL HERE>

Thanks,
<YOURNAME>

###

I tend to agree with most of what you said in your post but I
did post something related on my blog a while back.

Here’s just some of what I said in that post…

Medical debt is a heavy weight on many households around the country. Medical debt is
often not something that can be predicted or planned for and with medical insurance as
fickle as it is, you never quite know the burden you are going to be left with. While,
medical debt can be bankrupted, it’s important to try to find alternative ways to deal with
it to avoid extreme financial decisions, like bankruptcy or garnishments.

Give it a read and if you have any opinions on it of your own,
feel free to give me a shout…

<INSERT BLOG URL HERE>

Thanks,
<YOUR NAME>

###

I just book marked your blog on Digg and StumbleUpon. I enjoy
reading your commentaries.
I also run a blog that may be of interest that I’d love to share
with you. I recently stated that…

When you are working to clean up your credit the job can seem overwhelming and too
much to handle. To make it easier there are a few simple ways to go about the process
that when used together form the best results and more peaceful you. One of the steps to
the process of credit clean up is to inspect each of your credit reports and dispute any
incorrect information you find. This is vital to not only maintaining good credit, but is
also important when cleaning up your bad credit and preventing and catching identity
theft. Ideally, you should purchase your credit reports once a year and go over them with
a fine tooth comb and dispute anything you find to be incorrect.

Feel free to poke around my blog and leave a comment. Us
quality bloggers have to stick together!

<INSERT BLOG URL HERE>

Peace,
<YOURNAME>

###

Check out my commentary on this subject matter (reprinted from
by blog)…


Credit clean up can be a daunting task, especially when you have no idea which direction
to go. Once you have taken on the task of paying off debt, adding good accounts and
disputing the incorrect information on your credit report the time has come to set a plan
into action for the future to avoid getting yourself into the same financial mess. A plan
can be a simple as giving yourself some ground rules around spending and money
management, or as intense as hiring a money manager or freezing your credit cards. You
need to think about the methods it will take to get you into a habit and practice of
spending smart and efficiently.

As you can see, our opinions aren’t exactly the same but for the
most part they serve the same purpose.

Here’s the full post…

<YOUR BLOG URL>

I wish you success with your blog,
<YOUR NAME>
###

While this subject isn’t the hardest to write on, it certainly
is hard to get right when you do. (No pun intended).

Here’s an excerpt from my blog on the same subject…

If you have no starter accounts, then take the time to look for one that will fit well with
your current credit situation and your spending habits. If you love tools, then a Sears card
should NOT be your first choice because of the temptation to max the card out and get
into trouble. Instead, go for something you are only likely to use occasionally and work
within the same guidelines as mentioned above when using the account. Some of the
store cards have gotten more stringent in their guidelines and you may meet some
resistance when looking for one. Try not to go to every store there is and apply for a card
because the more times your credit is checked in a short period of time the worse it looks
on your credit report and could cause the reporting agencies to think there is some form
of identity theft going on.

I’ll make sure to re-visit your blog and post comments from time
to time. I enjoy your commentary and attention to the message.

In the mean time, here’s a link to the full post the above
excerpt came out of…

<INSERT BLOG URL HERE>

More later,
<YOURNAME>

###

Thanks for the informative commentary.

You might find my latest blog post of interest if you’re really
into the subject.

Here’s a clip of one of my opinions…

Debt consolidation companies offer debt consolidation loans which are designed
specifically for those who need help in getting their monthly loan payments under control
by consolidating them into one loan with only one monthly payment and one interest rate.
The debt consolidation company issues you a loan for the amount of all your loans and
then pays off your existing loans. This can bring instant relief from harassing phone calls
and letters, as well as bring a good standing closure to your existing accounts which can
help save your credit rating and score.
You can read the full post as well as many other related posts
here…

<INSERT BLOG URL HERE>

See you there!
<YOUR NAME>

###

You certainly deserve a round of applause for your post and more
specifically, your blog in general. Very high quality material.

I run a related blog and recently said this in a new post I
published…

It’s important to protect the items that share your identity. This includes you social
security card, your state identification, your work identification, your car registration and
insurance cards, your birth certificate, stocks, bonds, investments, banking information,
credit information, vital records and anything else that can be used to gain more
information about you to use against you. If you are a mother, or even a single parent,
you likely carry the same information for your children. They are most vulnerable
because they have not yet entered the credit world and though their date of birth will be
accessible to potential creditors, it is often not checked. You should only keep copies of
your social security, vital records and all investment or banking information in your
home. These should be kept in a fire-proof safe that is bolted to the floor of a closet or
secured to the house in some other way. The originals should all be in a safety deposit
box with a bank you can trust.

Of course, the above is just a portion of a post. You can check
out the full post as well as many others here…

<INSERT BLOG URL HERE>

To your success,
<YOURNAME>

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