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	<title>The Warybuyer Speaks! Thoughts on Credit Card Defense, Debt Collection, Credit Reporting and Auto Fraud</title>
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	<description>Sponsored by Lesser &#38; Jordan, a Consumer Law Firm in Dallas, Texas</description>
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		<title>TALX Speaks!</title>
		<link>http://warybuyer.com/blawg/?p=54</link>
		<comments>http://warybuyer.com/blawg/?p=54#comments</comments>
		<pubDate>Fri, 11 Dec 2009 23:20:14 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[Yesterday Laura Ceretti, corporate counsel for TALX Corporation, favored me with a letter about my blog post Does that Debt Collector Know What Was On Your Last Paycheck. She believes that the post was inaccurate and demanded that I both delete portions of the post and post a retraction. 
She may be correct about at [...]]]></description>
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		<title>Does that Debt Collector Know What Was on Your Last Paycheck?</title>
		<link>http://warybuyer.com/blawg/?p=49</link>
		<comments>http://warybuyer.com/blawg/?p=49#comments</comments>
		<pubDate>Thu, 15 Oct 2009 16:16:59 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[NOTICE. TALX, the corporation that operates theworknumber.com has advised me that this post is inaccurate. Please read my post TALX Speaks! to see what TALX believes is inaccurate and to review the documents on which this post was based.
If your employer uses theworknumber.com for employment verifications, then the debt collector on the phone with you [...]]]></description>
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		<title>The secret reason you should never arrange car financing yourself</title>
		<link>http://warybuyer.com/blawg/?p=42</link>
		<comments>http://warybuyer.com/blawg/?p=42#comments</comments>
		<pubDate>Fri, 03 Jul 2009 04:12:11 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://warybuyer.com/blawg/?p=42</guid>
		<description><![CDATA[Very few people know that there is a big hidden benefit to allowing your car dealer arrange the financing of your car purchase. The Federal Trade Commission requires most dealer arranged finance contracts to contain the following paragraph:
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD [...]]]></description>
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		<title>Your Tsunami of Credit Card Debt</title>
		<link>http://warybuyer.com/blawg/?p=41</link>
		<comments>http://warybuyer.com/blawg/?p=41#comments</comments>
		<pubDate>Fri, 26 Jun 2009 03:57:48 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://warybuyer.com/blawg/?p=41</guid>
		<description><![CDATA[Tsunamis are dangerous because people don&#8217;t see the wave building until just before it crashes on the shore and wipes everything out. You may not realize it, but your credit card debt is just like that.
Over and over again, our clients tell us that they had everything under control until they lost a job or [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Should I Defer My Property Taxes?</title>
		<link>http://warybuyer.com/blawg/?p=40</link>
		<comments>http://warybuyer.com/blawg/?p=40#comments</comments>
		<pubDate>Sat, 20 Jun 2009 20:40:39 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://warybuyer.com/blawg/?p=40</guid>
		<description><![CDATA[If you are over 65 you can defer your property taxes until your house is sold. All you have to do is fill out some paperwork at the county tax assessor&#8217;s office. Not only will this defer all future taxes, but if you are currently behind on your taxes, it will stop all collection efforts, [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Nice Case on Abuse of Pro Se Litigants by Collection Lawyers</title>
		<link>http://warybuyer.com/blawg/?p=39</link>
		<comments>http://warybuyer.com/blawg/?p=39#comments</comments>
		<pubDate>Thu, 18 Jun 2009 16:15:11 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://warybuyer.com/blawg/?p=39</guid>
		<description><![CDATA[A district court in Montana recently held that a collection attorney violated the FDCPA by asking a pro se consumer to admit he had no defenses when the attorney knew the consumer had raised a statute of limitations defense: 
The inescapable conclusion is that Mr. Dendy asked a pro se defendant to admit false information. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Gap in the Debt Collection Laws?</title>
		<link>http://warybuyer.com/blawg/?p=38</link>
		<comments>http://warybuyer.com/blawg/?p=38#comments</comments>
		<pubDate>Thu, 18 Jun 2009 15:08:55 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://warybuyer.com/blawg/?p=38</guid>
		<description><![CDATA[Both the federal and Texas debt collection statutes protect consumers from debt collection harassment, but they don&#8217;t cover all kinds of debts, only consumer debts. This means debt collectors collecting non-consumer debts are not subject to the restrictions in those statutes. I see this most commonly in 3 situations: business debt, criminal and quasi-criminal debts, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Card Math</title>
		<link>http://warybuyer.com/blawg/?p=37</link>
		<comments>http://warybuyer.com/blawg/?p=37#comments</comments>
		<pubDate>Wed, 10 Jun 2009 16:18:50 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://warybuyer.com/blawg/?p=37</guid>
		<description><![CDATA[Do you know what your credit card costs you? Let&#8217;s look at the math. Take a Citibank card with a $5000.00 balance and a 14.99% interest rate. Calculated according to one of their recent card agreements, if you pay the minimum payment each month, it will take you 19 years and 10 months to pay [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Card Debt After 4 Years</title>
		<link>http://warybuyer.com/blawg/?p=35</link>
		<comments>http://warybuyer.com/blawg/?p=35#comments</comments>
		<pubDate>Sat, 03 Nov 2007 20:30:09 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://warybuyer.com/blawg/?p=35</guid>
		<description><![CDATA[If you live in Texas, debt collectors have 4 years to sue you for not paying your credit card. If one waits longer than that to file, the lawsuit will be dismissed because of the statute of limitations. 
If you are lucky enough to get through the 4 year period without being sued, I advise [...]]]></description>
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		<title>Amen! Great Piece on Why Credit Card Companies Love the Recently Bankrupt!</title>
		<link>http://warybuyer.com/blawg/?p=34</link>
		<comments>http://warybuyer.com/blawg/?p=34#comments</comments>
		<pubDate>Tue, 11 Sep 2007 00:16:09 +0000</pubDate>
		<dc:creator>Craig</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://warybuyer.com/blawg/?p=34</guid>
		<description><![CDATA[Who is most likely not to complain about high interest rates and to incur lots of fees for late payments? Who is legally unable to use bankruptcy to wipe out their debts? Who are the best credit card slaves ever? Andrew Leonard reveals all&#8230;
]]></description>
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