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    <title><![CDATA[Discussion on The worst PIN codes of all time: '1234,' '0000,' '6969&acirc; ]]></title>
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        <title><![CDATA[Most likely, restructuring your loans is the]]></title>
        <link><![CDATA[http://www.smartplanet.com/forum/discussions/1-12336-82320]]></link>
        <description><![CDATA[Most likely, restructuring your loans is the most effective credit negotiation strategy available to you. Get a better interest rate. Extend the life of the loan. Try to get forgiveness on past-due interest if things are really desperate. You have a lot of options for restructuring, pick one or a few and propose them to the bank.Bridging finance]]></description>
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        <dc:creator><![CDATA[timrobert90]]></dc:creator>
        <pubDate>Thu, 01 Nov 2012 05:02:48 -0700</pubDate>
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