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	<title>Ask The Money Coach</title>
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	<link>http://askthemoneycoach.com</link>
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		<title>Is it Good to Go to a Debt Consolidator to Pay Off My Debt?</title>
		<link>http://askthemoneycoach.com/2010/03/is-it-good-to-go-to-a-debt-consolidator-to-pay-off-my-debt/</link>
		<comments>http://askthemoneycoach.com/2010/03/is-it-good-to-go-to-a-debt-consolidator-to-pay-off-my-debt/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 04:54:17 +0000</pubDate>
		<dc:creator>The Money Coach</dc:creator>
				<category><![CDATA[Budgeting and Money-Management]]></category>
		<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[debt management firm]]></category>
		<category><![CDATA[Debt Settlement]]></category>

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		<description><![CDATA[A subscriber to Ask The Money Coach.com wants to know if it is good to go to a debt consolidator to pay off my debt?
<br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br />]]></description>
			<content:encoded><![CDATA[<p><a href="http://gabcast.com/casts/8633/episodes/1268065786.mp3"><img class="alignleft size-full wp-image-1285" title="Ask The Money Coach 125x125 v2" src="http://askthemoneycoach.com/wp-content/uploads/2010/02/Ask-The-Money-Coach-125x125-v2.jpg" alt="Ask The Money Coach logo" width="125" height="125" /></a><br />
A subscriber to Ask The Money Coach.com wants to know if it is good to go to a debt consolidator to pay off my debt? <a href="http://gabcast.com/casts/8633/episodes/1268065786.mp3" target="_blank">Click now to hear Lynnette&#8217;s answer</a>.</p>
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<div id="crp_related"><h3>Related Posts:</h3><ul><li><a href="http://askthemoneycoach.com/2010/02/ive-become-the-victim-of-identity-theft-what-should-i-do-can-i-change-my-social-security-number/" rel="bookmark" class="crp_title">I&#8217;ve Become the Victim of Identity Theft, What Should I Do? Can I Change My Social Security Number?</a></li><li><a href="http://askthemoneycoach.com/2010/02/whats-the-best-way-to-get-negative-information-removed-from-my-credit-report/" rel="bookmark" class="crp_title">What&#8217;s the Best Way to Get Negative Information Removed From My Credit Report</a></li><li><a href="http://askthemoneycoach.com/2010/02/is-it-better-to-hire-a-lawyer-to-get-a-loan-modification/" rel="bookmark" class="crp_title">Is It Better to Hire a Lawyer to Get a Loan Modification?</a></li><li><a href="http://askthemoneycoach.com/2010/03/should-i-get-married-even-though-my-girlfriend-has-a-lot-of-debt/" rel="bookmark" class="crp_title">Should I Get Married Even Though My Girlfriend Has a Lot of Debt?</a></li><li><a href="http://askthemoneycoach.com/2010/02/should-i-use-a-debt-settlement-company/" rel="bookmark" class="crp_title">Should I Use A Debt Settlement Company?</a></li><li>Powered by <a href="http://ajaydsouza.com/wordpress/plugins/contextual-related-posts/">Contextual Related Posts</a></li></ul></div><br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br /><p align="left"><a class="tt" href="http://twitter.com/home/?status=Is+it+Good+to+Go+to+a+Debt+Consolidator+to+Pay+Off+My+Debt%3F+http://7y5c9.th8.us" title="Post to Twitter"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-twitter-big1.png" alt="Post to Twitter" /></a> <a class="tt" href="http://buzz.yahoo.com/submit?submitUrl=http://askthemoneycoach.com/2010/03/is-it-good-to-go-to-a-debt-consolidator-to-pay-off-my-debt/&amp;submitHeadline=Is+it+Good+to+Go+to+a+Debt+Consolidator+to+Pay+Off+My+Debt%3F" title="Post to Yahoo Buzz"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-buzz-big2.png" alt="Post to Yahoo Buzz" /></a> <a class="tt" href="http://www.facebook.com/share.php?u=http://askthemoneycoach.com/2010/03/is-it-good-to-go-to-a-debt-consolidator-to-pay-off-my-debt/&amp;t=Is+it+Good+to+Go+to+a+Debt+Consolidator+to+Pay+Off+My+Debt%3F" title="Post to Facebook"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-facebook-big1.png" alt="Post to Facebook" /></a></p>]]></content:encoded>
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		<item>
		<title>I am Contemplating Bankruptcy. Where Can I Get Help So I Don&#8217;t Lose My Home?</title>
		<link>http://askthemoneycoach.com/2010/03/i-am-contemplating-bankruptcy-where-can-i-get-help-so-i-dont-lose-my-home/</link>
		<comments>http://askthemoneycoach.com/2010/03/i-am-contemplating-bankruptcy-where-can-i-get-help-so-i-dont-lose-my-home/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 04:40:04 +0000</pubDate>
		<dc:creator>The Money Coach</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[NFDM]]></category>

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		<description><![CDATA[A subscriber to Ask The Money Coach.com is contemplating bankruptcy and wants to know where to go to save her home from foreclosure.
<br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br />]]></description>
			<content:encoded><![CDATA[<p><a href="http://gabcast.com/casts/8633/episodes/1268065606.mp3"><img class="alignleft size-full wp-image-1285" title="Ask The Money Coach 125x125 v2" src="http://askthemoneycoach.com/wp-content/uploads/2010/02/Ask-The-Money-Coach-125x125-v2.jpg" alt="Ask The Money Coach logo" width="125" height="125" /></a><br />
A subscriber to Ask The Money Coach.com is contemplating bankruptcy and wants to know where to go to save her home from foreclosure. <a href="http://gabcast.com/casts/8633/episodes/1268065606.mp3" target="_blank">Click now to hear Lynnette&#8217;s answer.</a></p>
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<div id="crp_related"><h3>Related Posts:</h3><ul><li><a href="http://askthemoneycoach.com/2010/03/is-it-good-to-go-to-a-debt-consolidator-to-pay-off-my-debt/" rel="bookmark" class="crp_title">Is it Good to Go to a Debt Consolidator to Pay Off My Debt?</a></li><li><a href="http://askthemoneycoach.com/2010/02/ive-become-the-victim-of-identity-theft-what-should-i-do-can-i-change-my-social-security-number/" rel="bookmark" class="crp_title">I&#8217;ve Become the Victim of Identity Theft, What Should I Do? Can I Change My Social Security Number?</a></li><li><a href="http://askthemoneycoach.com/2010/02/is-it-better-to-hire-a-lawyer-to-get-a-loan-modification/" rel="bookmark" class="crp_title">Is It Better to Hire a Lawyer to Get a Loan Modification?</a></li><li><a href="http://askthemoneycoach.com/2010/02/whats-the-best-way-to-get-negative-information-removed-from-my-credit-report/" rel="bookmark" class="crp_title">What&#8217;s the Best Way to Get Negative Information Removed From My Credit Report</a></li><li><a href="http://askthemoneycoach.com/2010/02/what-is-your-opinion-of-citigroups-foreclosure-alternative-program/" rel="bookmark" class="crp_title">What is Your Opinion of Citigroup&#8217;s Foreclosure Alternative Program?</a></li><li>Powered by <a href="http://ajaydsouza.com/wordpress/plugins/contextual-related-posts/">Contextual Related Posts</a></li></ul></div><br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br /><p align="left"><a class="tt" href="http://twitter.com/home/?status=I+am+Contemplating+Bankruptcy.+Where+Can+I+Get+Help+So+I+Don%E2%80%99t+Lose+My+Home%3F+http://n5pcd.th8.us" title="Post to Twitter"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-twitter-big1.png" alt="Post to Twitter" /></a> <a class="tt" href="http://buzz.yahoo.com/submit?submitUrl=http://askthemoneycoach.com/2010/03/i-am-contemplating-bankruptcy-where-can-i-get-help-so-i-dont-lose-my-home/&amp;submitHeadline=I+am+Contemplating+Bankruptcy.+Where+Can+I+Get+Help+So+I+Don%E2%80%99t+Lose+My+Home%3F" title="Post to Yahoo Buzz"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-buzz-big2.png" alt="Post to Yahoo Buzz" /></a> <a class="tt" href="http://www.facebook.com/share.php?u=http://askthemoneycoach.com/2010/03/i-am-contemplating-bankruptcy-where-can-i-get-help-so-i-dont-lose-my-home/&amp;t=I+am+Contemplating+Bankruptcy.+Where+Can+I+Get+Help+So+I+Don%E2%80%99t+Lose+My+Home%3F" title="Post to Facebook"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-facebook-big1.png" alt="Post to Facebook" /></a></p>]]></content:encoded>
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		</item>
		<item>
		<title>Should I Get Married Even Though My Girlfriend Has a Lot of Debt?</title>
		<link>http://askthemoneycoach.com/2010/03/should-i-get-married-even-though-my-girlfriend-has-a-lot-of-debt/</link>
		<comments>http://askthemoneycoach.com/2010/03/should-i-get-married-even-though-my-girlfriend-has-a-lot-of-debt/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 04:17:57 +0000</pubDate>
		<dc:creator>The Money Coach</dc:creator>
				<category><![CDATA[Couples and Money]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[Student Loans]]></category>

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		<description><![CDATA[A subscriber wants to know if he should get married even though his girlfriend has a lot of debt.<br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br />]]></description>
			<content:encoded><![CDATA[<p><a href="http://gabcast.com/casts/8633/episodes/1268065277.mp3"><img class="alignleft size-full wp-image-1285" title="Ask The Money Coach 125x125 v2" src="http://askthemoneycoach.com/wp-content/uploads/2010/02/Ask-The-Money-Coach-125x125-v2.jpg" alt="Ask The Money Coach logo" width="125" height="125" /></a><br />
A subscriber wants to know if he should get married even though his girlfriend has a lot of debt.<br />
<a href="http://gabcast.com/casts/8633/episodes/1268065277.mp3" target="_blank">Click now to hear Lynnette&#8217;s answer</a>.</p>
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<div id="crp_related"><h3>Related Posts:</h3><ul><li><a href="http://askthemoneycoach.com/2010/03/is-it-good-to-go-to-a-debt-consolidator-to-pay-off-my-debt/" rel="bookmark" class="crp_title">Is it Good to Go to a Debt Consolidator to Pay Off My Debt?</a></li><li><a href="http://askthemoneycoach.com/2010/02/ive-become-the-victim-of-identity-theft-what-should-i-do-can-i-change-my-social-security-number/" rel="bookmark" class="crp_title">I&#8217;ve Become the Victim of Identity Theft, What Should I Do? Can I Change My Social Security Number?</a></li><li><a href="http://askthemoneycoach.com/2010/02/whats-the-best-way-to-get-negative-information-removed-from-my-credit-report/" rel="bookmark" class="crp_title">What&#8217;s the Best Way to Get Negative Information Removed From My Credit Report</a></li><li><a href="http://askthemoneycoach.com/2010/02/is-it-better-to-hire-a-lawyer-to-get-a-loan-modification/" rel="bookmark" class="crp_title">Is It Better to Hire a Lawyer to Get a Loan Modification?</a></li><li><a href="http://askthemoneycoach.com/2010/02/should-i-use-a-debt-settlement-company/" rel="bookmark" class="crp_title">Should I Use A Debt Settlement Company?</a></li><li>Powered by <a href="http://ajaydsouza.com/wordpress/plugins/contextual-related-posts/">Contextual Related Posts</a></li></ul></div><br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br /><p align="left"><a class="tt" href="http://twitter.com/home/?status=Should+I+Get+Married+Even+Though+My+Girlfriend+Has+a+Lot+of+Debt%3F+http://pf53q.th8.us" title="Post to Twitter"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-twitter-big1.png" alt="Post to Twitter" /></a> <a class="tt" href="http://buzz.yahoo.com/submit?submitUrl=http://askthemoneycoach.com/2010/03/should-i-get-married-even-though-my-girlfriend-has-a-lot-of-debt/&amp;submitHeadline=Should+I+Get+Married+Even+Though+My+Girlfriend+Has+a+Lot+of+Debt%3F" title="Post to Yahoo Buzz"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-buzz-big2.png" alt="Post to Yahoo Buzz" /></a> <a class="tt" href="http://www.facebook.com/share.php?u=http://askthemoneycoach.com/2010/03/should-i-get-married-even-though-my-girlfriend-has-a-lot-of-debt/&amp;t=Should+I+Get+Married+Even+Though+My+Girlfriend+Has+a+Lot+of+Debt%3F" title="Post to Facebook"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-facebook-big1.png" alt="Post to Facebook" /></a></p>]]></content:encoded>
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		</item>
		<item>
		<title>I Debticate Myself To Being Debt Free Worksheet</title>
		<link>http://askthemoneycoach.com/2010/03/i-debticate-myself-to-being-debt-free-worksheet/</link>
		<comments>http://askthemoneycoach.com/2010/03/i-debticate-myself-to-being-debt-free-worksheet/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 03:38:06 +0000</pubDate>
		<dc:creator>The Money Coach</dc:creator>
				<category><![CDATA[Debticate worksheet]]></category>
		<category><![CDATA[Zero Debt: The Ultimate Guide to Financial Freedom]]></category>
		<category><![CDATA[debticate]]></category>
		<category><![CDATA[free downloads]]></category>

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		<description><![CDATA[Many of you have asked for a copy of the &#8220;I Debticate Myself to Being Debt Free Worksheet which first appeared in the first edition of Zero Debt: The Ultimate Guide to Financial Freedom. Here is a copy that you can download to your computer.
I Debticate Myself To Being Debt Free Format: PDF


Related Posts:Should I [...]<br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br />]]></description>
			<content:encoded><![CDATA[<p>Many of you have asked for a copy of the &#8220;I Debticate Myself to Being Debt Free Worksheet which first appeared in the first edition of <a href="http://askthemoneycoach.com/books-and-audio-from-lynnette-khalfani-cox/zero-debt-the-ultimate-guide-to-financial-freedom-2nd-ed/" target="_blank">Zero Debt: The Ultimate Guide to Financial Freedom</a>. Here is a copy that you can download to your computer.</p>
<p><a href="http://askthemoneycoach.com/wp-content/uploads/2010/03/I+Debticate+Myself+To+Being+Debt+Free.pdf">I Debticate Myself To Being Debt Free</a> Format: PDF</p>
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		<title>I received a letter today from a collection agency for a $600 debt from 1992. Do I have to pay this debt that is nearly 20 years old?</title>
		<link>http://askthemoneycoach.com/2010/03/i-received-a-letter-today-from-a-collection-agency-for-a-600-debt-from-1992-do-i-have-to-pay-this-debt-that-is-nearly-20-years-old/</link>
		<comments>http://askthemoneycoach.com/2010/03/i-received-a-letter-today-from-a-collection-agency-for-a-600-debt-from-1992-do-i-have-to-pay-this-debt-that-is-nearly-20-years-old/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 22:13:25 +0000</pubDate>
		<dc:creator>The Money Coach</dc:creator>
				<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[statue of limitations]]></category>

		<guid isPermaLink="false">http://askthemoneycoach.com/?p=1379</guid>
		<description><![CDATA[The statue of limitations has likely run out on this obligation. I recently wrote an article  about what to do when a bill collector calls you for a debt that is no longer valid under the statue of limitations (which varies from state to state).   Read my article on zombie debt.




Related Posts:Beware of &#8220;Zombie&#8221; Debt [...]<br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br />]]></description>
			<content:encoded><![CDATA[<p>The statue of limitations has likely run out on this obligation. I recently wrote an article  about what to do when a bill collector calls you for a debt that is no longer valid under the statue of limitations (which varies from state to state).   <a href="http://askthemoneycoach.com/2009/06/beware-of-zombie-debt-collectors/" target="_self">Read my article on zombie debt.</a></p>
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<div id="crp_related"><h3>Related Posts:</h3><ul><li><a href="http://askthemoneycoach.com/2009/06/beware-of-zombie-debt-collectors/" rel="bookmark" class="crp_title">Beware of &#8220;Zombie&#8221; Debt Collectors</a></li><li><a href="http://askthemoneycoach.com/2010/01/should-i-pay-off-old-debt-from-department-store-credit-cards-that-are-at-least-10-years-old-it-seems-like-my-creditors-re-sell-my-old-account-to-a-new-collection-agency-every-few-years/" rel="bookmark" class="crp_title">Should I Pay Off Old Debt From Department Store Credit Cards That Are At Least 10 Years Old? It Seems Like My Creditors Re-Sell My Old Account to a New Collection Agency Every Few Years.</a></li><li><a href="http://askthemoneycoach.com/2009/09/5-tips-if-youre-facing-court-action-from-a-debt-collector/" rel="bookmark" class="crp_title">5 Tips if You&#8217;re Facing Court Action from a Debt Collector</a></li><li><a href="http://askthemoneycoach.com/2010/02/i-am-a-23-year-old-college-student-with-a-bad-debt-of-about-12000-with-american-express-i-believe-the-statute-of-limitations-in-maryland-is-3-years-i-do-not-remember-the-last-time-i-made-a-payment/" rel="bookmark" class="crp_title">I am a 23-Year-Old College Student with a Bad Debt of About $12,000 With American Express. I Believe the Statute of Limitations in Maryland is 3 Years. I Do Not Remember the Last Time I Made a Payment to Them. I Found a Receipt Showing a Payment in December 2006. But When I Called American Express, Their Records Don’t Go Back That Far. What Should I Do? And How do I Find Out When My Statute of Limitations Has Been Reached?</a></li><li><a href="http://askthemoneycoach.com/2010/02/i-owe-dell-computer-about-3000-due-to-lack-of-payment-i-tried-to-pay-them-monthly-but-they-won%e2%80%99t-accept-that-they-want-a-settlement-of-1800-or-payment-of-450-a-month-which-i-do-not-have/" rel="bookmark" class="crp_title">I Owe Dell Computer About $3,000 Due to Lack of Payment. I Tried to Pay Them Monthly But They Won’t Accept That. They Want a Settlement of $1,800 or Payment of $450 a Month Which I Do Not Have. I Am Dealing With Their Collection Agency. How Do I Handle This?</a></li><li>Powered by <a href="http://ajaydsouza.com/wordpress/plugins/contextual-related-posts/">Contextual Related Posts</a></li></ul></div><br /><div><img src="http://askthemoneycoach.com/wp-content/plugins/gd-star-rating/gfx.php?value=0.0" /></div><div>Rating: 0.0/<strong>5</strong> (0 votes cast)</div><br /><p align="left"><a class="tt" href="http://twitter.com/home/?status=I+received+a+letter+today+from+a+collection+agency+for+a+%24600+debt+from+1992.+Do+I+have+to+pay+this+debt+that+is+near...+http://th9i2.th8.us" title="Post to Twitter"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-twitter-big1.png" alt="Post to Twitter" /></a> <a class="tt" href="http://buzz.yahoo.com/submit?submitUrl=http://askthemoneycoach.com/2010/03/i-received-a-letter-today-from-a-collection-agency-for-a-600-debt-from-1992-do-i-have-to-pay-this-debt-that-is-nearly-20-years-old/&amp;submitHeadline=I+received+a+letter+today+from+a+collection+agency+for+a+%24600+debt+from+1992.+Do+I+have+to+pay+this+debt+that+is+near..." title="Post to Yahoo Buzz"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-buzz-big2.png" alt="Post to Yahoo Buzz" /></a> <a class="tt" href="http://www.facebook.com/share.php?u=http://askthemoneycoach.com/2010/03/i-received-a-letter-today-from-a-collection-agency-for-a-600-debt-from-1992-do-i-have-to-pay-this-debt-that-is-nearly-20-years-old/&amp;t=I+received+a+letter+today+from+a+collection+agency+for+a+%24600+debt+from+1992.+Do+I+have+to+pay+this+debt+that+is+near..." title="Post to Facebook"><img class="nothumb" src="http://askthemoneycoach.com/wp-content/plugins/tweet-this/icons/tt-facebook-big1.png" alt="Post to Facebook" /></a></p>]]></content:encoded>
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