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    <title>Artipot: Geoff Hibbert's Latest Articles</title>
    <link>http://www.artipot.com/authors/10390/geoff-hibbert/</link>
    <description>Latest articles by Geoff Hibbert from Artipot - your one-stop resource for free articles.</description>
    <item>
      <title>Debt Management A Long Term Solution Not A Quick Fix</title>
      <link>http://www.artipot.com/articles/184279/debt-management-a-long-term-solution-not-a-quick-fix.htm</link>
      <description>Do not think of a debt management plan as an instant cure but rather as a single step on the way to financial recovery.</description>
      <pubDate>Thu, 14 Aug 2008 14:27:57 +0000</pubDate>
      <guid>http://www.artipot.com/articles/184279/debt-management-a-long-term-solution-not-a-quick-fix.htm</guid>
    </item>
    <item>
      <title>Just How Bad Are Credit Cards</title>
      <link>http://www.artipot.com/articles/184055/just-how-bad-are-credit-cards.htm</link>
      <description>An introduction to the perils of credit card debt.</description>
      <pubDate>Thu, 14 Aug 2008 04:32:58 +0000</pubDate>
      <guid>http://www.artipot.com/articles/184055/just-how-bad-are-credit-cards.htm</guid>
    </item>
    <item>
      <title>Coosing A Debt Management Company</title>
      <link>http://www.artipot.com/articles/183410/coosing-a-debt-management-company.htm</link>
      <description>Do not just take price into account look at service and reputation to find the ideal debt management company.</description>
      <pubDate>Wed, 13 Aug 2008 03:59:34 +0000</pubDate>
      <guid>http://www.artipot.com/articles/183410/coosing-a-debt-management-company.htm</guid>
    </item>
    <item>
      <title>The Importance Of Your Tax Return</title>
      <link>http://www.artipot.com/articles/182686/the-importance-of-your-tax-return.htm</link>
      <description>An explanation of the consequesnces of not filing HMRC returns on time.</description>
      <pubDate>Tue, 12 Aug 2008 00:50:30 +0000</pubDate>
      <guid>http://www.artipot.com/articles/182686/the-importance-of-your-tax-return.htm</guid>
    </item>
    <item>
      <title>Is Your Financial Data Safe</title>
      <link>http://www.artipot.com/articles/182619/is-your-financial-data-safe.htm</link>
      <description>What are the major retailers credit card companies and government doing to safeguard your data?</description>
      <pubDate>Mon, 11 Aug 2008 22:37:15 +0000</pubDate>
      <guid>http://www.artipot.com/articles/182619/is-your-financial-data-safe.htm</guid>
    </item>
    <item>
      <title>A Plan For A Debt Free Life</title>
      <link>http://www.artipot.com/articles/179706/a-plan-for-a-debt-free-life.htm</link>
      <description>How to make those difficult first steps to eliminate debt from your lifestyle</description>
      <pubDate>Wed, 06 Aug 2008 23:07:38 +0000</pubDate>
      <guid>http://www.artipot.com/articles/179706/a-plan-for-a-debt-free-life.htm</guid>
    </item>
    <item>
      <title>Using County Court Form N244 For A Court Hearing</title>
      <link>http://www.artipot.com/articles/179679/using-county-court-form-n244-for-a-court-hearing.htm</link>
      <description>The best procedure for use of court form N244 to enable you get the courts attention.</description>
      <pubDate>Wed, 06 Aug 2008 22:16:38 +0000</pubDate>
      <guid>http://www.artipot.com/articles/179679/using-county-court-form-n244-for-a-court-hearing.htm</guid>
    </item>
    <item>
      <title>Wipe Out Debt From Credit Cards</title>
      <link>http://www.artipot.com/articles/173786/wipe-out-debt-from-credit-cards.htm</link>
      <description>A guide to the most economically effective way to pay of card debts.</description>
      <pubDate>Fri, 25 Jul 2008 12:41:13 +0000</pubDate>
      <guid>http://www.artipot.com/articles/173786/wipe-out-debt-from-credit-cards.htm</guid>
    </item>
    <item>
      <title>Learn The Easy Way To Wipe Out Debt Effectively</title>
      <link>http://www.artipot.com/articles/173216/learn-the-easy-way-to-wipe-out-debt-effectively.htm</link>
      <description>How to use a consolidation loan to reduce your monthly debt payments.</description>
      <pubDate>Thu, 24 Jul 2008 17:25:09 +0000</pubDate>
      <guid>http://www.artipot.com/articles/173216/learn-the-easy-way-to-wipe-out-debt-effectively.htm</guid>
    </item>
    <item>
      <title>Live A Debt Free Life</title>
      <link>http://www.artipot.com/articles/173211/live-a-debt-free-life.htm</link>
      <description>Advice for reducing debts to a minimum and budgeting to keep that way</description>
      <pubDate>Thu, 24 Jul 2008 17:18:48 +0000</pubDate>
      <guid>http://www.artipot.com/articles/173211/live-a-debt-free-life.htm</guid>
    </item>
    <item>
      <title>The Advantages Of Full And Final Debt Settlement</title>
      <link>http://www.artipot.com/articles/173210/the-advantages-of-full-and-final-debt-settlement.htm</link>
      <description>Learn how a one off managed payment to your creditors can reduce your debts by up to 40%.</description>
      <pubDate>Thu, 24 Jul 2008 17:16:35 +0000</pubDate>
      <guid>http://www.artipot.com/articles/173210/the-advantages-of-full-and-final-debt-settlement.htm</guid>
    </item>
    <item>
      <title>Don't Let Debt Ruin Your Life</title>
      <link>http://www.artipot.com/articles/173204/dont-let-debt-ruin-your-life.htm</link>
      <description>How to control debt and reduce the stress of financial worry</description>
      <pubDate>Thu, 24 Jul 2008 17:08:37 +0000</pubDate>
      <guid>http://www.artipot.com/articles/173204/dont-let-debt-ruin-your-life.htm</guid>
    </item>
    <item>
      <title>The Case For Consolidation As A Debt Reduction Tool</title>
      <link>http://www.artipot.com/articles/161090/the-case-for-consolidation-as-a-debt-reduction-tool.htm</link>
      <description>An outline guide to the positive effects of compacting nany debts into one manageable monthly repayment.</description>
      <pubDate>Tue, 01 Jul 2008 09:17:24 +0000</pubDate>
      <guid>http://www.artipot.com/articles/161090/the-case-for-consolidation-as-a-debt-reduction-tool.htm</guid>
    </item>
    <item>
      <title>Debt Management V Debt Consolidation An Unbiased Comparison</title>
      <link>http://www.artipot.com/articles/159399/debt-management-v-debt-consolidation-an-unbiased-comparison.htm</link>
      <description>A comparative sudy of the benefits of the two most popular ways to reduce monthly debt costs</description>
      <pubDate>Fri, 27 Jun 2008 18:35:25 +0000</pubDate>
      <guid>http://www.artipot.com/articles/159399/debt-management-v-debt-consolidation-an-unbiased-comparison.htm</guid>
    </item>
    <item>
      <title>What Is An IVA?</title>
      <link>http://www.artipot.com/articles/155848/what-is-an-iva.htm</link>
      <description>Some of the rules and criteria surrounding an individual valuntary arrangement.</description>
      <pubDate>Fri, 20 Jun 2008 20:10:00 +0000</pubDate>
      <guid>http://www.artipot.com/articles/155848/what-is-an-iva.htm</guid>
    </item>
    <item>
      <title>What Are The Criteria Required To Accept An IVA?</title>
      <link>http://www.artipot.com/articles/155443/what-are-the-criteria-required-to-accept-an-iva.htm</link>
      <description>The requirements for an IVA have changed in recent time. This is an up to date qualification list.</description>
      <pubDate>Fri, 20 Jun 2008 04:59:23 +0000</pubDate>
      <guid>http://www.artipot.com/articles/155443/what-are-the-criteria-required-to-accept-an-iva.htm</guid>
    </item>
    <item>
      <title>What Is A Credit Report</title>
      <link>http://www.artipot.com/articles/154481/what-is-a-credit-report.htm</link>
      <description>An introduction to understanding your personal score.</description>
      <pubDate>Wed, 18 Jun 2008 17:45:33 +0000</pubDate>
      <guid>http://www.artipot.com/articles/154481/what-is-a-credit-report.htm</guid>
    </item>
    <item>
      <title>CCJ Remortgage And How To Get One</title>
      <link>http://www.artipot.com/articles/152101/ccj-remortgage-and-how-to-get-one.htm</link>
      <description>A guide to obtaining subprime finance.</description>
      <pubDate>Fri, 13 Jun 2008 16:19:52 +0000</pubDate>
      <guid>http://www.artipot.com/articles/152101/ccj-remortgage-and-how-to-get-one.htm</guid>
    </item>
    <item>
      <title>How To Get A Mortgage With CCJ's</title>
      <link>http://www.artipot.com/articles/150746/how-to-get-a-mortgage-with-ccjs.htm</link>
      <description>How to get a mortgage with ccj's use a specialist CCJ or sub prime mortgage broker</description>
      <pubDate>Wed, 11 Jun 2008 16:48:15 +0000</pubDate>
      <guid>http://www.artipot.com/articles/150746/how-to-get-a-mortgage-with-ccjs.htm</guid>
    </item>
    <item>
      <title>Control Your Debts With Debt Management</title>
      <link>http://www.artipot.com/articles/150245/control-your-debts-with-debt-management.htm</link>
      <description>Control your debts with good debt management to get an affordable monthly payment</description>
      <pubDate>Tue, 10 Jun 2008 17:01:05 +0000</pubDate>
      <guid>http://www.artipot.com/articles/150245/control-your-debts-with-debt-management.htm</guid>
    </item>
    <item>
      <title>Keys To Overcoming Bad Debt Management</title>
      <link>http://www.artipot.com/articles/150056/keys-to-overcoming-bad-debt-management.htm</link>
      <description>Many people think debt consolidation is the answer to all their financial problems. Just think... you get one loan to pay off all your debts.</description>
      <pubDate>Tue, 10 Jun 2008 06:50:07 +0000</pubDate>
      <guid>http://www.artipot.com/articles/150056/keys-to-overcoming-bad-debt-management.htm</guid>
    </item>
    <item>
      <title>Debt Management Advice How To Become Debt Free Fast</title>
      <link>http://www.artipot.com/articles/148840/debt-management-advice-how-to-become-debt-free-fast.htm</link>
      <description>The best way to maintain and improve your credit score is to pay off debts. Regular monthly payments make good habits and high credit scores.</description>
      <pubDate>Sun, 08 Jun 2008 09:22:50 +0000</pubDate>
      <guid>http://www.artipot.com/articles/148840/debt-management-advice-how-to-become-debt-free-fast.htm</guid>
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