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	<title>Free To Prosper</title>
	<atom:link href="http://www.freetoprosper.com/feed" rel="self" type="application/rss+xml" />
	<link>http://www.freetoprosper.com</link>
	<description>Debt Relief - Asset Protection - Strategic Planning</description>
	<lastBuildDate>Fri, 16 Jul 2010 05:47:13 +0000</lastBuildDate>
	<language>en</language>
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		<title>Collection Response Letters</title>
		<link>http://www.freetoprosper.com/blog/333</link>
		<comments>http://www.freetoprosper.com/blog/333#comments</comments>
		<pubDate>Thu, 21 Jan 2010 02:54:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Proof of Our Work]]></category>

		<guid isPermaLink="false">http://www.freetoprosper.com/?p=333</guid>
		<description><![CDATA[1. LETTER 1 2. LETTER 2 3. LETTER 3 4. LETTER 4 5. LETTER 5 6. LETTER 6 7. LETTER 7]]></description>
			<content:encoded><![CDATA[<p>1. <a href="/proof/afni.pdf" target="_blank">LETTER 1</a><br />
2. <a href="/proof/arrow.pdf" target="_blank">LETTER 2</a><br />
3. <a href="/proof/assetcare.pdf" target="_blank">LETTER 3</a><br />
4. <a href="/proof/jeffersoncapital.pdf" target="_blank">LETTER 4</a><br />
5. <a href="/proof/nco.pdf" target="_blank">LETTER 5</a><br />
6. <a href="/proof/nco2.pdf" target="_blank">LETTER 6</a><br />
7. <a href="/proof/pcm.pdf" target="_blank">LETTER 7</a></p>
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		<title>Credit Bureau Response Letters</title>
		<link>http://www.freetoprosper.com/blog/331</link>
		<comments>http://www.freetoprosper.com/blog/331#comments</comments>
		<pubDate>Thu, 21 Jan 2010 02:45:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Proof of Our Work]]></category>

		<guid isPermaLink="false">http://www.freetoprosper.com/?p=331</guid>
		<description><![CDATA[1. TRANSUNION 2. EXPERIAN 3. EQUIFAX]]></description>
			<content:encoded><![CDATA[<p>1. <a href="/proof/transunion.pdf" target="_blank">TRANSUNION</a><br />
2. <a href="/proof/experian.pdf" target="_blank">EXPERIAN</a><br />
3. <a href="/proof/equifax.pdf" target="_blank">EQUIFAX</a></p>
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		<item>
		<title>Helpful Websites</title>
		<link>http://www.freetoprosper.com/blog/326</link>
		<comments>http://www.freetoprosper.com/blog/326#comments</comments>
		<pubDate>Thu, 21 Jan 2010 01:01:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Resources]]></category>

		<guid isPermaLink="false">http://www.freetoprosper.com/?p=326</guid>
		<description><![CDATA[CHECK YOUR BANK’S STRENGTH 1-5 STAR RATINGS OF FINANCIAL INSTITUTIONS LIVE CHARTS: GOLD, SILVER, US DOLLAR INDEX STAY UPDATED ON THE CHANGES HAPPY HOUR JOB SEARCHING HAVE A DRINK WITH YOUR NEW EMPLOYER? US DEBT CLOCK A DETAILED MAP OF VARIOUS US DEBT STATISTICS]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.bankrate.com/rates/safe-sound/bank-ratings-search.aspx" target="_blank">CHECK YOUR BANK’S STRENGTH</a><br />
1-5 STAR RATINGS OF FINANCIAL INSTITUTIONS</p>
<p><a href="http://silverbarter.com/charts.html" target="_blank">LIVE CHARTS: GOLD, SILVER, US DOLLAR INDEX</a><br />
STAY UPDATED ON THE CHANGES</p>
<p><a href="http://www.jobnob.com/happy-hour" target="_blank">HAPPY HOUR JOB SEARCHING</a><br />
HAVE A DRINK WITH YOUR NEW EMPLOYER?</p>
<p><a href="http://www.usdebtclock.org/" target="_blank">US DEBT CLOCK</a><br />
A DETAILED MAP OF VARIOUS US DEBT STATISTICS</p>
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		<item>
		<title>Laws and Rights</title>
		<link>http://www.freetoprosper.com/blog/317</link>
		<comments>http://www.freetoprosper.com/blog/317#comments</comments>
		<pubDate>Thu, 21 Jan 2010 00:45:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Resources]]></category>

		<guid isPermaLink="false">http://www.freetoprosper.com/?p=317</guid>
		<description><![CDATA[STATUTES OF LIMITATION ON DEBTS Check if your debt has expired STATUTES OF LIMITATION ON JUDGMENTS Check if your judgment has expired WAGE GARNISHMENT LAWS BY STATE How much can they garnish in your state? HOMESTEAD EXEMPTION LAWS BY STATE How much of your home equity is protected by law? RECOURSE VS. NON-RECOURSE STATES Check [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/statutes_of_limitations_on_debts1.pdf">STATUTES OF LIMITATION ON DEBTS</a><br />
<em>Check if your debt has expired<br />
</em></p>
<p><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/statute_of_limitations_on_judgments.pdf">STATUTES OF LIMITATION ON JUDGMENTS</a><br />
<em>Check if your judgment has expired</em></p>
<p><a href="/resources/garnishment_laws.pdf">WAGE GARNISHMENT LAWS BY STATE</a><br />
<em>How much can they garnish in your state?</em></p>
<p><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/Homestead_exemptions_by_state.pdf">HOMESTEAD EXEMPTION LAWS BY STATE</a><br />
<em>How much of your home equity is protected by law?</em></p>
<p><a href="http://www.forecloseddreams.com/recourse_states" target="_blank">RECOURSE VS. NON-RECOURSE STATES</a><br />
<em>Check to see if you can &#8220;walk-away&#8221; from your mortgage in your state.</em></p>
<p><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/community_property_states.pdf" target="_blank">COMMUNITY PROPERTY STATES</a><br />
<em>Check if judgments in your state may affect your spouse<br />
</em></p>
<p><a href="http://www.realtytrac.com/foreclosure-laws/foreclosure-laws-comparison.asp" target="_blank">FORECLOSURE LAWS BY STATE</a><br />
<em>Learn the foreclosure laws<br />
</em></p>
<p><a href="http://www.law.cornell.edu/ucc/ucc.table.html" target="_blank">UNIFORM COMMERCIAL CODE</a><br />
<em>Main laws governing business world<br />
</em></p>
<p><a href="/resources/bill_of_rights.pdf" target="_blank">YOUR CONSTITUTIONAL RIGHTS</a><br />
<em>Bill of Rights<br />
</em></p>
<p><a href="http://www2.law.cornell.edu/uscode/uscode15/usc_sup_01_15_10_41.html" target="_blank">CONSUMER CREDIT PROTECTION ACT</a><br />
<em>Law establishing certain protections for consumers<br />
</em></p>
<p><a href="/resources/creditreporting.pdf" target="_blank">FAIR CREDIT REPORTING ACT</a><br />
<em>Your rights to accurate and fair credit report<br />
</em></p>
<p><a href="/resources/debtcollection.pdf" target="_blank">FAIR DEBT COLLECTION PRACTICES ACT</a><br />
<em>Provides some defense against debt collectors</em></p>
<p><a href="/resources/creditbilling.pdf" target="_blank">FAIR CREDIT BILLING ACT</a><br />
<em>Check to see your rights to accurate billing<br />
</em></p>
<p><a href="/resources/sue.pdf" target="_blank">WHO CAN YOU SUE?</a><br />
<em>Check to see who you can sue and for how much<br />
</em></p>
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		</item>
		<item>
		<title>Forms</title>
		<link>http://www.freetoprosper.com/blog/459</link>
		<comments>http://www.freetoprosper.com/blog/459#comments</comments>
		<pubDate>Wed, 20 Jan 2010 17:49:38 +0000</pubDate>
		<dc:creator>theonlyexpert</dc:creator>
				<category><![CDATA[Resources]]></category>

		<guid isPermaLink="false">http://www.freetoprosper.com/?p=459</guid>
		<description><![CDATA[IRS RELATED FORMS Form-982:  Reduction of Tax Attributes Due to Discharge of Indebtedness STUDENT LOAN CANCELLATION FORMS In various instances, your student loan may be canceled if you qualify, see forms below. School Closure False Certification of Ability to Benefit False Certification (Disqualifying Status) Unauthorized Signature/Unauthorized Payment False Certification (Identity Theft) Total and Permanent Disability [...]]]></description>
			<content:encoded><![CDATA[<p>IRS RELATED FORMS</p>
<ul>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/Form_982.pdf">Form-982: </a> Reduction of Tax Attributes Due to Discharge of<br />
Indebtedness</li>
</ul>
<p>STUDENT LOAN CANCELLATION FORMS</p>
<p>In various instances, your student loan may be canceled if you qualify, see forms below.</p>
<ul>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/form.discharge.school.closure.pdf">School Closure</a></li>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/form.discharge.false_.certification.atb_.pdf">False Certification of Ability to Benefit</a></li>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/form.discharge.false_.certification.disqualifying.status.pdf">False Certification (Disqualifying Status)</a></li>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/form.discharge.unauthorized.signature.unauthorized.payment.pdf">Unauthorized Signature/Unauthorized Payment</a></li>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/IDTheft2004c_Cert-Agree.pdf">False Certification (Identity Theft)</a></li>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/disable.pdf">Total and Permanent Disability</a></li>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/form.discharge.unpaid.refund.pdf">Unpaid Refund</a></li>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/form.teacher.loan_.forgiveness.pdf">Teacher Loan Forgiveness</a></li>
<li><a href="http://www.freetoprosper.com/wp-content/uploads/2010/01/Care.Giver_.Declaration2.pdf">Declaration of Caregiver Services</a></li>
</ul>
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