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	<title>The Consumer Advocate</title>
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	<description>Attorney Gaudreau&#039;s Blog on Consumer Law and Bankruptcy</description>
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		<title>The Consumer Advocate</title>
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		<title>College Debt Growing Faster than Inflation</title>
		<link>http://attorneygaudreau.wordpress.com/2011/10/25/college-debt-growing-faster-than-inflation/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/10/25/college-debt-growing-faster-than-inflation/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 14:49:18 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[college debt-free]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[paying for college]]></category>
		<category><![CDATA[student debt]]></category>
		<category><![CDATA[Student loans]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=253</guid>
		<description><![CDATA[A new report by USA Today finds that Americans&#8217; student loan debt is 850 billion dollars, which actually exceeds the total amount of Americans&#8217; credit card debt. What does that mean for our newest generation heading off to college?  Basically the debt they create in the next four years is going to substantially curtail other [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=253&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Attorney Gaudreau</media:title>
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			<media:title type="html">student loan debts</media:title>
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	</item>
		<item>
		<title>Emergency Homeowners Loan Program Ending a Brief and Unsuccessful Run</title>
		<link>http://attorneygaudreau.wordpress.com/2011/10/06/emergency-homeowners-loan-program-ending-a-short-and-unsuccessful-run/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/10/06/emergency-homeowners-loan-program-ending-a-short-and-unsuccessful-run/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 20:29:22 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[home remortgage]]></category>
		<category><![CDATA[Dodd-Frank Wall Street Reform and Consumer Protection Act]]></category>
		<category><![CDATA[EHLP]]></category>
		<category><![CDATA[Emergency Homeowners Loan Program]]></category>
		<category><![CDATA[federal mortgage assistance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[keep your home]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=235</guid>
		<description><![CDATA[The September 29, 2011 final deadline for the Emergency Homeowner’s Loan Program passed without much fanfare, but it left in its wake several hundred thousand mortgage holders who desperately needed financial assistance to keep their homes.  Officials at the U.S. Department of Housing and Urban Development (HUD) estimate that only about “10,000 to 15,000 homeowners [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=235&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
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			<media:title type="html">ConsumerPic_000</media:title>
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	</item>
		<item>
		<title>Introducing Kids to Budgeting Basics</title>
		<link>http://attorneygaudreau.wordpress.com/2011/09/28/introducing-kids-to-budgeting-basics/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/09/28/introducing-kids-to-budgeting-basics/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 16:44:28 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Bureau of Economic Analysis]]></category>
		<category><![CDATA[Children's Television Workshop]]></category>
		<category><![CDATA[personal consumption]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Sesame Street]]></category>
		<category><![CDATA[teaching children about money]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=224</guid>
		<description><![CDATA[Every day in our practice, we see the devastation that financial insolvency creates not only for the client, but also the ripple effect that it has on the rest of the family.  One way to prevent financial disasters for the next generation is to teach our kids better ways to understand and manage money. We’ve [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=224&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
		</media:content>

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			<media:title type="html">Teaching your children to save</media:title>
		</media:content>
	</item>
		<item>
		<title>The High Cost of Surviving</title>
		<link>http://attorneygaudreau.wordpress.com/2011/07/28/the-high-cost-of-surviving/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/07/28/the-high-cost-of-surviving/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 13:00:21 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Medical Expenses]]></category>
		<category><![CDATA[bankrupcty]]></category>
		<category><![CDATA[cancer]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[Medicaid]]></category>
		<category><![CDATA[medical costs]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[uninsured]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=176</guid>
		<description><![CDATA[A recent report came out a few days ago linking federal bankruptcy court records with cancer survival rates.  For many Americans the findings were shocking, but for those of us who work in bankrupcty, the numbers were not all that unexpected.  &#8220;On average, bankruptcy rates increased fourfold within five years of diagnosis&#8221; of a life-threatening [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=176&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
		</media:content>

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			<media:title type="html">MP900383004</media:title>
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	</item>
		<item>
		<title>Bankruptcy is the Cost of the Way the Credit Card Industry Does Business</title>
		<link>http://attorneygaudreau.wordpress.com/2011/07/13/bankruptcy-is-the-cost-of-the-way-the-credit-card-industry-does-business/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/07/13/bankruptcy-is-the-cost-of-the-way-the-credit-card-industry-does-business/#comments</comments>
		<pubDate>Wed, 13 Jul 2011 19:47:37 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Business News .]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[College Students]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Predatory Lending]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=215</guid>
		<description><![CDATA[Reprinted with permission from Huffington Post 7-13-11 One newspaper article in 1997 told me all I needed to know about the business model for the credit card industry. Beneficial National Bank, the credit card lender for BJ&#8217;s Warehouse, notified 12,000 of its customers that it was revoking their credit card privileges. A logical guess would be [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=215&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
		</media:content>
	</item>
		<item>
		<title>Are Low Credit Score Credit Cards Really an Answer?</title>
		<link>http://attorneygaudreau.wordpress.com/2011/07/11/are-low-credit-score-credit-cards-really-an-answer/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/07/11/are-low-credit-score-credit-cards-really-an-answer/#comments</comments>
		<pubDate>Mon, 11 Jul 2011 19:06:39 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[avoid bankruptcy]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[get out of debt]]></category>
		<category><![CDATA[low credit score]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=159</guid>
		<description><![CDATA[If you&#8217;re struggling with the economic recovery since the 2008 recession, it may be very tempting to sign up for one of the numerous low credit score credit card solicitations you&#8217;ve received in your mailbox.  But do a little research into what these cards offer and you may discover that they&#8217;re not such a deal [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=159&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
		</media:content>

		<media:content url="http://attorneygaudreau.files.wordpress.com/2011/07/mp900430819.jpg?w=150" medium="image">
			<media:title type="html">close-up of human hands cutting a credit card by scissors</media:title>
		</media:content>
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		<item>
		<title>Is there a right way to use credit cards?</title>
		<link>http://attorneygaudreau.wordpress.com/2011/03/31/is-there-a-right-way-to-use-credit-cards/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/03/31/is-there-a-right-way-to-use-credit-cards/#comments</comments>
		<pubDate>Thu, 31 Mar 2011 16:00:44 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Javelin Strategy and Research]]></category>
		<category><![CDATA[reloadable credit cards]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=180</guid>
		<description><![CDATA[Americans are changing how they use credit. According to a national survey by Javelin Strategy and Research, credit card spending is down, especially in the 18-24 age market.  Does that mean that we Americans aren’t spending or are we doing it differently? According to the NY Times report, the survey showed that “fifty-six percent of [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=180&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
		</media:content>

		<media:content url="http://attorneygaudreau.files.wordpress.com/2011/07/istock_000013553903xsmall.jpg?w=150" medium="image">
			<media:title type="html">Woman Handing Credit Card to Cashier</media:title>
		</media:content>
	</item>
		<item>
		<title>Student Loan Changes Causing More Headaches</title>
		<link>http://attorneygaudreau.wordpress.com/2011/03/15/student-loan-changes-causing-more-headaches/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/03/15/student-loan-changes-causing-more-headaches/#comments</comments>
		<pubDate>Tue, 15 Mar 2011 13:00:10 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[college tuition]]></category>
		<category><![CDATA[FAFSA]]></category>
		<category><![CDATA[Pell Grants]]></category>
		<category><![CDATA[Student loans]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=208</guid>
		<description><![CDATA[As spring peeks just around the corner, so does the slew of high school seniors making final selections for college enrollment.  Whether it&#8217;s Harvard or the local community college, each choice comes with an equal amount of decisions for their parents regarding how to pay for their child&#8217;s post-secondary education.  Effective July 1, 2010, new student loan legislation [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=208&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
		</media:content>

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			<media:title type="html">FAFSA forms </media:title>
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		<item>
		<title>Foreclosure Sale &#8211; Buyer Beware!</title>
		<link>http://attorneygaudreau.wordpress.com/2011/02/15/foreclosure-sale-buyer-beware/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/02/15/foreclosure-sale-buyer-beware/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 14:00:44 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[MERS lawsuits]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[SEC Edgar Database]]></category>
		<category><![CDATA[US Bank National Association v Ibanez]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=205</guid>
		<description><![CDATA[Buyers of property at foreclosure are looking for a bargain, but that risk now must include the possibility that the title will be defective. One unsuspecting family purchased a home at foreclosure, intending to sell it to their daughter, only to have a title company question whether they acquired good title after they’d already invested [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=205&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
		</media:content>

		<media:content url="http://attorneygaudreau.files.wordpress.com/2011/07/istock_000013435493xsmall.jpg?w=150" medium="image">
			<media:title type="html">Foreclosure Sale - Buyer Beware</media:title>
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		<title>How to get rid of a Second Mortgage without a Loan Modification</title>
		<link>http://attorneygaudreau.wordpress.com/2011/01/05/how-to-get-rid-of-a-second-mortgage-without-a-loan-modification/</link>
		<comments>http://attorneygaudreau.wordpress.com/2011/01/05/how-to-get-rid-of-a-second-mortgage-without-a-loan-modification/#comments</comments>
		<pubDate>Wed, 05 Jan 2011 14:00:40 +0000</pubDate>
		<dc:creator>Richard Gaudreau</dc:creator>
				<category><![CDATA[home remortgage]]></category>
		<category><![CDATA['underwater']]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[chapter 13]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[remortgage]]></category>

		<guid isPermaLink="false">http://attorneygaudreau.wordpress.com/?p=198</guid>
		<description><![CDATA[ The following article released on January 3, 2011 has been reprinted with permission from Huffington Post. Following the maxim that drastic times call for tepid measures, the banking industry continues to pay “lip service” to loan modifications while doing little. On Dec. 15, the Congressional Oversight Committee admitted the government’s Home Affordable Modification Program (HAMP) [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=attorneygaudreau.wordpress.com&amp;blog=7381333&amp;post=198&amp;subd=attorneygaudreau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Attorney Gaudreau</media:title>
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</rss>
