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	<title>Comments for Debt Consolidation Blog</title>
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		<title>Comment on Which is better a Debt Consolidation or Bankruptcy? by Dave Richter</title>
		<link>http://www.bankruptcy-america.com/debtconsolidation/blog/uncategorized/2006/12/which-is-better-a-debt-consolidation-or-bankruptcy.html/comment-page-1#comment-4</link>
		<dc:creator>Dave Richter</dc:creator>
		<pubDate>Wed, 13 Dec 2006 01:12:57 +0000</pubDate>
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		<description>The two issues are completely seperate as such.. A debt consolidation can be done by yourself or with a 3rd party service to help out. Bankruptcy really should be seen as a last resort. The Bankruptcy will really screw up your credit rating for quite some time. The debt consolidation done on your own won&#039;t impact the credit rating quite so bad.</description>
		<content:encoded><![CDATA[<p>The two issues are completely seperate as such.. A debt consolidation can be done by yourself or with a 3rd party service to help out. Bankruptcy really should be seen as a last resort. The Bankruptcy will really screw up your credit rating for quite some time. The debt consolidation done on your own won&#8217;t impact the credit rating quite so bad.</p>
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		<title>Comment on Debt Consolidation and Credit Counseling by Dave Richter</title>
		<link>http://www.bankruptcy-america.com/debtconsolidation/blog/uncategorized/2006/12/debt-consolidation-and-credit-counseling.html/comment-page-1#comment-3</link>
		<dc:creator>Dave Richter</dc:creator>
		<pubDate>Tue, 05 Dec 2006 15:10:25 +0000</pubDate>
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		<description>With a DCL. You will be paying your entire debt off over a period of time. A DMP will allow you to pay a portion of your debt over a period of time.&lt;br/&gt;Either one may work given the specific detail of your circumstances.</description>
		<content:encoded><![CDATA[<p>With a DCL. You will be paying your entire debt off over a period of time. A DMP will allow you to pay a portion of your debt over a period of time.<br />Either one may work given the specific detail of your circumstances.</p>
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