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	<title>National Consumer Protection Week 2012 &#187; Blog</title>
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		<title>Tick-Tock, Tick-Tock: Time-Barred Debts:  What’s that, and why should I care?</title>
		<link>http://www.ncpw.gov/blog/credit-and-debt/tick-tock-tick-tock-time-barred-debts-whats-that-and-why-should-i-care?lang=en</link>
		<comments>http://www.ncpw.gov/blog/credit-and-debt/tick-tock-tick-tock-time-barred-debts-whats-that-and-why-should-i-care?lang=en#comments</comments>
		<pubDate>Mon, 30 Jan 2012 15:35:34 +0000</pubDate>
		<dc:creator>llake</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt collection]]></category>
		<category><![CDATA[phantom debt]]></category>
		<category><![CDATA[time-barred debt]]></category>
		<category><![CDATA[zombie debt]]></category>

		<guid isPermaLink="false">http://www.ncpw.gov/?p=4713</guid>
		<description><![CDATA[In most states, having time-barred debt doesn’t mean that your debt has been forgiven, that you don’t owe it, or that a debt collector can’t try to get you to pay. It simply means that you can’t be sued to collect on the debt. (That doesn’t mean that all debt collectors play by the rules, but I’ll get to that later.) <a href="http://www.ncpw.gov/blog/credit-and-debt/tick-tock-tick-tock-time-barred-debts-whats-that-and-why-should-i-care?lang=en">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Facing Debt Collection?  You Have Rights.</title>
		<link>http://www.ncpw.gov/blog/credit-and-debt/facing-debt-collection-you-have-rights?lang=en</link>
		<comments>http://www.ncpw.gov/blog/credit-and-debt/facing-debt-collection-you-have-rights?lang=en#comments</comments>
		<pubDate>Fri, 28 Oct 2011 12:06:49 +0000</pubDate>
		<dc:creator>llake</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[bill collectors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt collection]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[Rincon]]></category>

		<guid isPermaLink="false">http://www.ncpw.gov/?p=3841</guid>
		<description><![CDATA[You have the right to be treated fairly by debt collectors.  Under federal law, they can’t use abusive, unfair or deceptive practices to collect from you. <a href="http://www.ncpw.gov/blog/credit-and-debt/facing-debt-collection-you-have-rights?lang=en">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.ncpw.gov/blog/credit-and-debt/facing-debt-collection-you-have-rights?lang=en/feed&#038;lang=en</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Who is responsible for paying the debts of a deceased relative?</title>
		<link>http://www.ncpw.gov/blog/credit-and-debt/who-is-responsible-for-paying-the-debts-of-a-deceased-relative?lang=en</link>
		<comments>http://www.ncpw.gov/blog/credit-and-debt/who-is-responsible-for-paying-the-debts-of-a-deceased-relative?lang=en#comments</comments>
		<pubDate>Thu, 20 Oct 2011 14:26:35 +0000</pubDate>
		<dc:creator>llake</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[debt collection]]></category>
		<category><![CDATA[deceased family member's bills]]></category>
		<category><![CDATA[deceased releative's debts]]></category>
		<category><![CDATA[family member bills]]></category>
		<category><![CDATA[family member's debt]]></category>
		<category><![CDATA[paying debt of deceased relative]]></category>

		<guid isPermaLink="false">http://www.ncpw.gov/?p=3826</guid>
		<description><![CDATA[When a relative dies, the last thing you need is a call from a debt collector asking you to pay your loved one's debts. Truth is, family members typically aren’t obligated to pay those debts from their own assets. <a href="http://www.ncpw.gov/blog/credit-and-debt/who-is-responsible-for-paying-the-debts-of-a-deceased-relative?lang=en">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>4</slash:comments>
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		<title>Fraud by the Numbers</title>
		<link>http://www.ncpw.gov/blog/identity-theft-and-privacy/fraud-by-the-numbers?lang=en</link>
		<comments>http://www.ncpw.gov/blog/identity-theft-and-privacy/fraud-by-the-numbers?lang=en#comments</comments>
		<pubDate>Wed, 30 Mar 2011 18:19:38 +0000</pubDate>
		<dc:creator>llake</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Identity Theft and Privacy]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Scam Watch]]></category>
		<category><![CDATA[avoid fraud]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[debt collection]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[ID theft]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[internet auctions]]></category>
		<category><![CDATA[internet services]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[online auctions]]></category>
		<category><![CDATA[prizes]]></category>
		<category><![CDATA[protecting personal information]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[shop-at-home]]></category>
		<category><![CDATA[sweepstakes]]></category>

		<guid isPermaLink="false">http://www.ncpw.gov/?p=3373</guid>
		<description><![CDATA[What cost consumers $1.7 billion last year?  Is your city experiencing a rise in fraud?  What scams are most common in your state?  What crimes do identity thieves commit with stolen personal information?  The answer to the first question is “fraud”; for the rest, we invite you to check out the Consumer Sentinel Network Data Book 2010. <a href="http://www.ncpw.gov/blog/identity-theft-and-privacy/fraud-by-the-numbers?lang=en">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Know Your Rights When Facing Debt Collection</title>
		<link>http://www.ncpw.gov/blog/credit-and-debt/know-your-rights-when-facing-debt-collection?lang=en</link>
		<comments>http://www.ncpw.gov/blog/credit-and-debt/know-your-rights-when-facing-debt-collection?lang=en#comments</comments>
		<pubDate>Thu, 24 Mar 2011 12:38:39 +0000</pubDate>
		<dc:creator>llake</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[bill collectors]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt collection]]></category>
		<category><![CDATA[debt collectors]]></category>

		<guid isPermaLink="false">http://www.ncpw.gov/?p=3345</guid>
		<description><![CDATA[If you’ve ever had problems paying your bills, you may have had heard from a debt collector.  You aren’t alone.  Unemployment or unexpected illness can make it tough to make timely payments on credit cards, mortgage, auto and other loans, and this creates business for debt collectors. <a href="http://www.ncpw.gov/blog/credit-and-debt/know-your-rights-when-facing-debt-collection?lang=en">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.ncpw.gov/blog/credit-and-debt/know-your-rights-when-facing-debt-collection?lang=en/feed&#038;lang=en</wfw:commentRss>
		<slash:comments>3</slash:comments>
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