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	<title>Comments on: Getting out of Debt</title>
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	<link>http://blog.jonmadison.com/archives/2004/08/07/big-debt-but-a-plan/</link>
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		<title>By: djp</title>
		<link>http://blog.jonmadison.com/archives/2004/08/07/big-debt-but-a-plan/comment-page-1/#comment-334</link>
		<dc:creator>djp</dc:creator>
		<pubDate>Sat, 28 Aug 2004 14:19:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartbrother.org/archives/2004/08/07/big-debt-but-a-plan/#comment-334</guid>
		<description>awesome dude. i&#039;m in the same boat.</description>
		<content:encoded><![CDATA[<p>awesome dude. i&#8217;m in the same boat.</p>
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		<title>By: jon</title>
		<link>http://blog.jonmadison.com/archives/2004/08/07/big-debt-but-a-plan/comment-page-1/#comment-329</link>
		<dc:creator>jon</dc:creator>
		<pubDate>Fri, 20 Aug 2004 04:16:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartbrother.org/archives/2004/08/07/big-debt-but-a-plan/#comment-329</guid>
		<description>thanks man--it is definitely something that can reduce a ton of stress in that area. One thing that i found during this is that i hadn&#039;t been straight up, as i should have been, when discussing any expenses that went out. This of course is essential in knowing where the money is going...make sure you&#039;re transparent with regards to spending!</description>
		<content:encoded><![CDATA[<p>thanks man&#8211;it is definitely something that can reduce a ton of stress in that area. One thing that i found during this is that i hadn&#8217;t been straight up, as i should have been, when discussing any expenses that went out. This of course is essential in knowing where the money is going&#8230;make sure you&#8217;re transparent with regards to spending!</p>
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		<title>By: LaRosa</title>
		<link>http://blog.jonmadison.com/archives/2004/08/07/big-debt-but-a-plan/comment-page-1/#comment-328</link>
		<dc:creator>LaRosa</dc:creator>
		<pubDate>Thu, 19 Aug 2004 17:53:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartbrother.org/archives/2004/08/07/big-debt-but-a-plan/#comment-328</guid>
		<description>word jon... that was a great read... my wife &amp; i are in the process of doing the same thing.</description>
		<content:encoded><![CDATA[<p>word jon&#8230; that was a great read&#8230; my wife &#038; i are in the process of doing the same thing.</p>
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		<title>By: jon</title>
		<link>http://blog.jonmadison.com/archives/2004/08/07/big-debt-but-a-plan/comment-page-1/#comment-325</link>
		<dc:creator>jon</dc:creator>
		<pubDate>Fri, 13 Aug 2004 16:15:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartbrother.org/archives/2004/08/07/big-debt-but-a-plan/#comment-325</guid>
		<description>I would also add that another detriment to using a DCS is that a common requirement (it may be across the board) is that they will cancel your cards, as well as &quot;manage the debt&quot; (you pay &lt;i&gt;them&lt;/i&gt;, they pay the creditors) -- it takes a lot of responsibility out of your hands, is somewhat like babysitting, and may in fact appear as such to a potential creditor.</description>
		<content:encoded><![CDATA[<p>I would also add that another detriment to using a DCS is that a common requirement (it may be across the board) is that they will cancel your cards, as well as &#8220;manage the debt&#8221; (you pay <i>them</i>, they pay the creditors) &#8212; it takes a lot of responsibility out of your hands, is somewhat like babysitting, and may in fact appear as such to a potential creditor.</p>
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