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	<title>Empower 2 Go &#187; Loan Modification, Bankruptcy, and Credit Repair</title>
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	<link>http://www.empower2go.com</link>
	<description>Empowering Your Health, Wealth, &#38; Environment</description>
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		<title>Drawbacks of a Foreclosure&#8230;The &#8220;F&#8221; Word.</title>
		<link>http://www.empower2go.com/2010/02/drawbacks-of-a-foreclosure-the-f-word/</link>
		<comments>http://www.empower2go.com/2010/02/drawbacks-of-a-foreclosure-the-f-word/#comments</comments>
		<pubDate>Sun, 28 Feb 2010 14:40:52 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[Real Estate & Short Sales]]></category>
		<category><![CDATA[Emotional]]></category>
		<category><![CDATA[empowering]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[strategic default]]></category>

		<guid isPermaLink="false">http://www.empower2go.com/?p=2054</guid>
		<description><![CDATA[The financial drawbacks of going through a foreclosure, along with the psychological devastation can create significant turmoil for the individual who chooses that path.  We have always heard of how bad the &#8220;F&#8221; word really is&#8230;
Here are some of those drawbacks:
* The right of home ownership is stripped away.
* Homeowner returns to the rental market [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2010/02/drawbacks-of-a-foreclosure-the-f-word/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Big Changes in Store for Short Sales</title>
		<link>http://www.empower2go.com/2009/12/big-changes-in-store-for-short-sales/</link>
		<comments>http://www.empower2go.com/2009/12/big-changes-in-store-for-short-sales/#comments</comments>
		<pubDate>Sun, 13 Dec 2009 03:40:55 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[Real Estate & Short Sales]]></category>
		<category><![CDATA[borrower]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.empower2go.com/?p=1374</guid>
		<description><![CDATA[The Department of Treasury has spoken and banks will have to comply.   On November 30, new guidelines were released that will change the face of loan modification and short sales.  President Obama instilled these changes to help prevent more foreclosures, as well as streamline the loan modification and short sale processes.
&#8220;Supplemental Directive 09-09&#8243;, [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/12/big-changes-in-store-for-short-sales/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Is Your Good Credit Over Rated?</title>
		<link>http://www.empower2go.com/2009/12/is-your-good-credit-over-rated/</link>
		<comments>http://www.empower2go.com/2009/12/is-your-good-credit-over-rated/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 16:37:45 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[stress]]></category>

		<guid isPermaLink="false">http://www.empower2go.com/?p=1344</guid>
		<description><![CDATA[Are you upside down in your mortgage and do not know how to deal with it?  Are your credit card bills mounting with high finance charges and late fees?  Is your stress meter pretty much pegged?  We are all facing moderate to severe financial challenges in this economy.  Most of us [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/12/is-your-good-credit-over-rated/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Your Personal Financial Crisis&#8230;Dealing With Debt</title>
		<link>http://www.empower2go.com/2009/11/your-personal-financial-crisis-dealing-with-debt/</link>
		<comments>http://www.empower2go.com/2009/11/your-personal-financial-crisis-dealing-with-debt/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 21:03:43 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[Empower]]></category>
		<category><![CDATA[FICO]]></category>

		<guid isPermaLink="false">http://www.empower2go.com/?p=1121</guid>
		<description><![CDATA[Financial stress is a common problem if you are forced into a frugal lifestyle due to personal crisis such as a death in the family, loss of a job, divorce, mounting credit card bills, etc&#8230;If not controlled, this can lead to depression, feelings of fear and anxiety, as well as insecurity.
How you deal with these [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/11/your-personal-financial-crisis-dealing-with-debt/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Countrywide&#8230;Will They Really Do Principal Reductions?</title>
		<link>http://www.empower2go.com/2009/09/countrywide-will-they-really-do-principal-reductions/</link>
		<comments>http://www.empower2go.com/2009/09/countrywide-will-they-really-do-principal-reductions/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 00:41:58 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[Real Estate & Short Sales]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Empower]]></category>
		<category><![CDATA[empowered]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[predatory]]></category>
		<category><![CDATA[principal]]></category>
		<category><![CDATA[reduction]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://empower2go.com/?p=676</guid>
		<description><![CDATA[Principal reduction is something all of us would like to participate in during this housing crisis.  Do lenders really do this?  Countrywide has been offering  principal reductions to borrowers who fit the criteria for this loan modification option.  Here is the deal&#8230;eleven states were involved in a class action lawsuit against Countrywide claiming that [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/09/countrywide-will-they-really-do-principal-reductions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Staying In Your Home&#8230;How To Avoid Foreclosure</title>
		<link>http://www.empower2go.com/2009/09/staying-in-your-home-how-to-avoid-foreclosure/</link>
		<comments>http://www.empower2go.com/2009/09/staying-in-your-home-how-to-avoid-foreclosure/#comments</comments>
		<pubDate>Thu, 10 Sep 2009 03:28:18 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[Real Estate & Short Sales]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[delinquent]]></category>
		<category><![CDATA[Empower]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[Short Sales]]></category>

		<guid isPermaLink="false">http://empower2go.com/?p=668</guid>
		<description><![CDATA[Undergoing the hardships and stress of losing your home can be overwhelming.  There are a number of options to consider no matter which direction you choose&#8230;
Some important things you should be prepared to avoid if you find yourself considering foreclosure&#8230;beware of foreclosure scams:
*Scam artists often target homeowners who are struggling to meet their mortgage commitment [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/09/staying-in-your-home-how-to-avoid-foreclosure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Score &amp; Credit Repair&#8230;Empowering Options</title>
		<link>http://www.empower2go.com/2009/08/credit-score-credit-repair-empowering-options/</link>
		<comments>http://www.empower2go.com/2009/08/credit-score-credit-repair-empowering-options/#comments</comments>
		<pubDate>Mon, 10 Aug 2009 02:09:57 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[Beacon]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[Empower]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[score]]></category>

		<guid isPermaLink="false">http://empower2go.com/?p=504</guid>
		<description><![CDATA[What is a Beacon or FICO score?  How is it used by creditors to determine your credit worthiness?
Fair Isaac Company created the Beacon FICO score which is the most commonly used rating to determine credit worthiness and financial strength.  Your credit score is the number one criteria used to determine what interest rate you will [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/08/credit-score-credit-repair-empowering-options/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Deficiency Judgements&#8230;How Do They Work?  Why Foreclosure Is A Bad Idea&#8230;</title>
		<link>http://www.empower2go.com/2009/07/deficiency-judgements-how-do-they-work-why-foreclosure-a-bad-idea/</link>
		<comments>http://www.empower2go.com/2009/07/deficiency-judgements-how-do-they-work-why-foreclosure-a-bad-idea/#comments</comments>
		<pubDate>Sat, 25 Jul 2009 00:44:43 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>

		<guid isPermaLink="false">http://empower2go.com/?p=310</guid>
		<description><![CDATA[If you are in trouble financially due to the housing market crash&#8230;there are a number of things you should consider, especially if you have defaulted on a note to a lender.
The note involved in a foreclosure or repossession is an &#8220;I Owe You&#8221;; a promise and an obligation for you to pay the debt owed [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/07/deficiency-judgements-how-do-they-work-why-foreclosure-a-bad-idea/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy Alternatives&#8230;Consider Your Options!</title>
		<link>http://www.empower2go.com/2009/06/bankruptcy-alternatives-consider-your-options/</link>
		<comments>http://www.empower2go.com/2009/06/bankruptcy-alternatives-consider-your-options/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 16:48:00 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[Bankruptcy Options]]></category>

		<guid isPermaLink="false">http://digitald3.wordpress.com/2009/06/10/bankruptcy-alternatives-consider-your-options/</guid>
		<description><![CDATA[When you are in deep financial trouble, bankruptcy is not the only option.  You should carefully weigh bankruptcy&#8230;both the pro&#8217;s and con&#8217;s.  Bankruptcy can absolve you of your debt or put you in a position to repay your debt within a framework that will work for you, however your credit will be damaged [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/06/bankruptcy-alternatives-consider-your-options/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Defensive Planning For Asset Protection&#8230;An Empowering Move</title>
		<link>http://www.empower2go.com/2009/06/defensive-planning-for-asset-protection-an-empowering-move/</link>
		<comments>http://www.empower2go.com/2009/06/defensive-planning-for-asset-protection-an-empowering-move/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 15:44:00 +0000</pubDate>
		<dc:creator>Martin Casper</dc:creator>
				<category><![CDATA[Loan Modification, Bankruptcy, and Credit Repair]]></category>
		<category><![CDATA[Asset Protection]]></category>

		<guid isPermaLink="false">http://digitald3.wordpress.com/2009/06/10/defensive-planning-for-asset-protection-an-empowering-move/</guid>
		<description><![CDATA[Use the right tools.  Asset protection is part art and part science.  Certain methods will work.  Certain tools are appropriate, while others do not make sense.  It is  important to have a shrewd professional skilled in asset protection to structure your protection.
If you are located outside of Nevada, be aware [...]]]></description>
		<wfw:commentRss>http://www.empower2go.com/2009/06/defensive-planning-for-asset-protection-an-empowering-move/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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