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	<title>One Advice &#124; Bankruptcy, IVA &#38; Debt News &#187; Debt Consolidation</title>
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	<description>Free Bankruptcy, IVA and Debt advice from One Advice. Simple tips to make your money stretch further during the credit crunch.</description>
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		<title>Alternatives to Debt Consolidation</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/alternatives-to-debt-consolidation.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/alternatives-to-debt-consolidation.html#comments</comments>
		<pubDate>Mon, 01 Mar 2010 11:02:08 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Debt Consolidation Advice]]></category>
		<category><![CDATA[Debt Consolidation Alternatives]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=1816</guid>
		<description><![CDATA[If you are struggling with your debt, there are a number of debt solutions which you may consider. Alternatives to debt consolidation are something to consider as not everyone is suitable for a debt consolidation loan.
There are a number of debt solutions which require no further borrowing but still allow you to manage your debts [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Difference Between Consolidation Loan, Debt Management and IVA</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/difference-between-consolidation-loan-debt-management-and-iva.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/difference-between-consolidation-loan-debt-management-and-iva.html#comments</comments>
		<pubDate>Fri, 26 Feb 2010 09:56:25 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[IVA]]></category>
		<category><![CDATA[debt consolidation loans]]></category>
		<category><![CDATA[debt management plans]]></category>
		<category><![CDATA[debt solutions]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=1828</guid>
		<description><![CDATA[Often, when coming across a range of debt solutions, you may come across the benefit that they can all consolidate your debt. But what does debt consolidation really mean and what is the difference between consolidation loan, debt management and IVA?
People often believe that debt consolidation can only come in the form of a loan [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pay Off Debt Without a Loan</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/pay-off-debt-without-a-loan.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/pay-off-debt-without-a-loan.html#comments</comments>
		<pubDate>Fri, 25 Dec 2009 10:37:47 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Credit Crunch]]></category>
		<category><![CDATA[debt consolidation loans]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[IVA]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Pay Off Debt]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=1731</guid>
		<description><![CDATA[When you are struggling with debt, you may be thinking of ways in which you can pay off debt without a loan. Many people do go down the debt consolidation route but then find it a struggle to make this new loan payment when debt starts to build up on their consolidated credit cards once [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation Advice</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-advice.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-advice.html#comments</comments>
		<pubDate>Mon, 14 Dec 2009 11:53:45 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Debt Consolidation Advice]]></category>
		<category><![CDATA[debt consolidation loans]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=1713</guid>
		<description><![CDATA[Many debt problems start with individuals struggling to manage a number of different creditors at once. Many find that having to make multiple payments to multiple creditors at multiple times of the month very confusing, which leads to missed payments and interest and charges being added.
Getting debt consolidation advice could help; instead of making multiple [...]]]></description>
		<wfw:commentRss>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-advice.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation: How Much Can I Save?</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-how-much-can-i-save.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-how-much-can-i-save.html#comments</comments>
		<pubDate>Thu, 27 Aug 2009 07:42:08 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[debt consolidation loans]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=1166</guid>
		<description><![CDATA[According to research by uSwitch, debt consolidation could save consumers £20 billion if they consolidated all of their unsecured debt, such as store cards and credit cards, into one low cost form of credit.
Brits currently pay out about £98 billion in loan interest each year, so it is no wonder that many of us are [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation Loan Applications Increase</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-loan-applications-increase.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-loan-applications-increase.html#comments</comments>
		<pubDate>Fri, 24 Apr 2009 05:07:45 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[debt consolidation loans]]></category>
		<category><![CDATA[loan application]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=855</guid>
		<description><![CDATA[The number of applications for a debt consolidation loan is expected to increase during the first six months of the year, according to research by Sainsbury&#8217;s Finance. They say that the need for personal loans always seems to be higher during this part of the year, in particular January where more of us look to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Plan for Quick and Easy Consolidation</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/debt-plan-quick-easy-debt-consolidation.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/debt-plan-quick-easy-debt-consolidation.html#comments</comments>
		<pubDate>Thu, 19 Feb 2009 13:45:33 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[debt consolidation loans]]></category>
		<category><![CDATA[debt levels]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[debt plan]]></category>
		<category><![CDATA[spending habits]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=681</guid>
		<description><![CDATA[Having multiple debts across multiple interest rates may make it very difficult for you to manage your finances in a well-ordered fashion, and you find yourself asking questions such as:
Which creditor should I pay first?
How come my debt repayments only cover my interest charges?
Have I repaid all my creditor commitments this month?
What about if I [...]]]></description>
		<wfw:commentRss>http://www.oneadvice.co.uk/IVAandDebtNews/debt-plan-quick-easy-debt-consolidation.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Debt Consolidation Work?</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/does-debt-consolidation-work.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/does-debt-consolidation-work.html#comments</comments>
		<pubDate>Mon, 19 Jan 2009 08:40:08 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[debt consolidation loans]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[IVA]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=530</guid>
		<description><![CDATA[If your debts are spiralling out of control and you feel as though you cannot afford to make minimum payments to your creditors, it can sometimes seem that consolidating your debts makes sense. Debt Consolidation allows you to make a single lower payment to your creditors, as you effectively pay off your debts so you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation Loan? Check your Credit File First</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-loan-credit-file-check.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-loan-credit-file-check.html#comments</comments>
		<pubDate>Wed, 03 Dec 2008 07:05:52 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[credit file]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[debt consolidation loans]]></category>
		<category><![CDATA[loan application]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=334</guid>
		<description><![CDATA[Checking your credit file could be the difference between getting accepted or rejected for credit or a debt consolidation loan. Many people are looking towards getting accepted for a loan in order to achieve debt consolidation, but as many as one in six credit files contain potentially damaging errors, according to Which?.
Lenders use credit files [...]]]></description>
		<wfw:commentRss>http://www.oneadvice.co.uk/IVAandDebtNews/debt-consolidation-loan-credit-file-check.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Debt Reduction: Consolidation</title>
		<link>http://www.oneadvice.co.uk/IVAandDebtNews/debt-reduction-consolidation.html</link>
		<comments>http://www.oneadvice.co.uk/IVAandDebtNews/debt-reduction-consolidation.html#comments</comments>
		<pubDate>Fri, 21 Nov 2008 07:00:48 +0000</pubDate>
		<dc:creator>OneAdvice</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[debt consolidation loans]]></category>
		<category><![CDATA[debt reduction]]></category>

		<guid isPermaLink="false">http://www.oneadvice.co.uk/IVAandDebtNews/?p=287</guid>
		<description><![CDATA[If you think that you are struggling with your level of unsecured debt then you might be thinking about some form of debt reduction. Consolidation of your debt could help you to reduce your monthly payments to your creditors and, with a secured debt consolidation loan, you could find that you reduce your overall interest [...]]]></description>
		<wfw:commentRss>http://www.oneadvice.co.uk/IVAandDebtNews/debt-reduction-consolidation.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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