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      <image:title>Saldo e stralcio e professionisti: gli errori che vedo più spesso nelle operazioni immobiliari</image:title>
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      <image:title>Asta, debito e revocatoria: come nasce una proposta stragiudiziale a ribasso costruita sui numeri</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/credito-ipotecario-asta-o-soluzione-stragiudiziale-analisi-tecnica-di-un-singolo-credito</loc>
    <lastmod>2026-02-12T14:00:39+01:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/FRANCESACSCARPETTA_04_8448014f-a89f-4c26-849e-f34ed061f44f.jpg?v=1770901239</image:loc>
      <image:title>Credito ipotecario: asta o soluzione stragiudiziale? Analisi tecnica di un singolo credito</image:title>
      <image:caption>Credito ipotecario: asta o soluzione stragiudiziale?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/asta-gia-fissata-come-chiudere-una-procedura-esecutiva-prima-della-vendita-forzata</loc>
    <lastmod>2026-10-06T14:24:15+02:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Quando_un_creditore_diventa_acquirente_e_l_Agenzia_delle_Entrate_deposita_rinuncia_in_atto_1200_x_627_px_5b02db56-9aaf-451d-ad71-717541719c28.jpg?v=1791289455</image:loc>
      <image:title>Asta già fissata: come chiudere una procedura esecutiva prima della vendita forzata</image:title>
      <image:caption>Asta immobiliare fissata - chiusura procedura esecutiva prima della vendita</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/vendere-casa-con-ipoteca-agenzia-delle-entrate-e-debito-superiore-al-valore-il-caso-di-una-famiglia-di-catania</loc>
    <lastmod>2026-02-21T16:57:45+01:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Vendere_casa_con_ipoteca_Agenzia_delle_Entrate_e_debito_superiore_al_valore-_il_caso_di_una_famiglia_di_Catania.jpg?v=1771689465</image:loc>
      <image:title>Vendere casa con ipoteca Agenzia delle Entrate e debito superiore al valore: il caso di una famiglia di Catania</image:title>
      <image:caption>Vendere casa con ipoteca Agenzia delle Entrate e debito superiore al valore: il caso di una famiglia di Catania</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/posso-rifare-un-saldo-e-stralcio-se-il-primo-e-stato-rifiutato</loc>
    <lastmod>2026-03-06T13:22:15+01:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Posso_rifare_un_saldo_e_stralcio_se_il_primo_e_stato_rifiutato_69d0338e-d13c-4b1b-b9b5-c8731be91d2d.jpg?v=1772799735</image:loc>
      <image:title>Posso rifare un saldo e stralcio se il primo è stato rifiutato?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/asta-immobiliare-tra-20-giorni-e-ancora-possibile-riaprire-una-trattativa-con-il-creditore</loc>
    <lastmod>2026-03-09T14:04:05+01:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Due_procedure_esecutive_chiuse_contestualmente_be4a1854-c2d8-4e0a-8d2a-b1b8f115ccb0.jpg?v=1773061445</image:loc>
      <image:title>Asta immobiliare tra 20 giorni: è ancora possibile riaprire una trattativa con il creditore?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/casa-pignorata-come-evitare-l-asta-nel-2026</loc>
    <lastmod>2026-03-16T15:37:32+01:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Casa_pignorata-_come_evitare_l_asta_nel_2026_3d9ddfb2-8295-413a-9da5-495b3054d435.jpg?v=1773671852</image:loc>
      <image:title>Casa pignorata: come evitare l’asta nel 2026</image:title>
      <image:caption>Casa pignorata: come evitare l’asta  nel 2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/quanto-offrire-alla-banca-per-un-saldo-e-stralcio-guida-pratica-2026</loc>
    <lastmod>2026-04-01T12:22:14+02:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Quando_offrire_per_un_saldo_e_stralcio_934d0d78-c568-4247-b461-2ef72886166b.jpg?v=1775038934</image:loc>
      <image:title>Quanto offrire alla banca per un saldo e stralcio: guida pratica 2026</image:title>
      <image:caption>Quanto offrire alla banca per un saldo e stralcio: guida pratica 2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/dopo-quanto-tempo-la-banca-pignora-la-casa-tempi-reali-dal-primo-mancato-pagamento</loc>
    <lastmod>2026-03-20T11:07:17+01:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/FRANCESCA_SCARPETTA_96996970-bf31-44b8-9500-a44fcd954af0.jpg?v=1774001237</image:loc>
      <image:title>Dopo quanto tempo la banca pignora la casa? Tempi reali dal mutuo non pagato</image:title>
      <image:caption>Dopo quanto tempo la banca pignora la casa? Tempi reali dal primo mancato pagamento</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/cosa-succede-dopo-l-atto-di-precetto</loc>
    <lastmod>2026-03-16T15:31:09+01:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Cosa_succede_dopo_l_atto_di_precetto_a27315df-c4c0-4a60-aed9-4c2fe2f6e02e.jpg?v=1773671469</image:loc>
      <image:title>Cosa succede dopo l’atto di precetto?</image:title>
      <image:caption>Cosa succede dopo l’atto di precetto?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/vendere-casa-dopo-il-pignoramento-e-possibile</loc>
    <lastmod>2026-03-23T08:50:16+01:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Vendere_casa_dopo_il_pignoramento-_e_possibile_be6aa85a-3244-4401-8299-257aa04871ac.jpg?v=1774252216</image:loc>
      <image:title>Vendere casa dopo il pignoramento: è possibile?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/decadenza-dal-beneficio-del-termine-quando-la-banca-puo-chiedere-tutto-il-debito</loc>
    <lastmod>2026-03-16T15:43:55+01:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Decdenza_dal_beneficio_del_termine_80edd807-d87d-4bf5-9bab-d5484a48131e.jpg?v=1773672235</image:loc>
      <image:title>Decadenza dal beneficio del termine: quando la banca può chiedere tutto il debito</image:title>
      <image:caption>Decadenza dal beneficio del termine</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/conto-corrente-pignorato-cosa-succede-e-cosa-puo-fare-il-debitore</loc>
    <lastmod>2026-05-13T12:25:16+02:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Conto_corrente_pignorato-_cosa_succede_e_cosa_puo_fare_il_debitore_8a665ae1-3c9e-4838-9587-433273f43a31.jpg?v=1778667916</image:loc>
      <image:title>Conto corrente pignorato: cosa succede e cosa può fare il debitore</image:title>
      <image:caption>Conto corrente pignorato: cosa succede e cosa può fare il debitore</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/faq-sul-pignoramento-immobiliare-francesca-scarpetta</loc>
    <lastmod>2026-03-16T17:04:09+01:00</lastmod>
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  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/faq-sul-saldo-e-stralcio-francesca-scarpetta</loc>
    <lastmod>2026-03-16T16:51:17+01:00</lastmod>
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  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/la-psicologia-del-debitore-perche-ottenere-la-delega-e-cosi-difficile-e-cosa-succede-davvero</loc>
    <lastmod>2026-03-26T12:39:01+01:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/perche_ottenere_la_delega_e_cosi_difficile_57b88357-4a69-44a5-90d7-d756d53485af.jpg?v=1774525141</image:loc>
      <image:title>La psicologia del debitore: perché ottenere la delega è così difficile (e cosa succede davvero)</image:title>
      <image:caption>perché ottenere la delega è così difficile</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/vendere-casa-per-uscire-dai-debiti-quando-la-soluzione-si-blocca-prima-ancora-di-iniziare</loc>
    <lastmod>2026-10-05T18:55:03+02:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/vendere_casa_per_uscire_dai_debiti_c8fb2fca-4c1c-4c9d-8295-a6fba0aadaa1.jpg?v=1791219303</image:loc>
      <image:title>Vendere casa per uscire dai debiti: quando la soluzione si blocca prima ancora di iniziare</image:title>
      <image:caption>Vendere casa per uscire dai debiti</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/perche-la-delega-non-arriva-e-la-pratica-non-parte-davvero</loc>
    <lastmod>2026-04-08T12:27:19+02:00</lastmod>
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    <image:image>
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      <image:title>Come ottenere la delega dal debitore</image:title>
      <image:caption>Come ottenere la delega</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/quando-il-creditore-scopre-stipendio-conto-e-pensione-cosa-puo-fare-il-debitore</loc>
    <lastmod>2026-05-05T16:01:47+02:00</lastmod>
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  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/quando-una-societa-cessionaria-chiede-il-pagamento-il-problema-non-e-il-debito-ma-la-prova-del-credito</loc>
    <lastmod>2026-05-08T13:02:07+02:00</lastmod>
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  </url>
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    <lastmod>2026-05-13T13:40:01+02:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
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      <image:title>Se la società cessionaria non ha i documenti, può davvero agire?</image:title>
      <image:caption>Se la società cessionaria non ha i documenti, può davvero agire?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/credito-ceduto-a-una-spv-cosa-cambia-davvero-nelle-trattative-di-saldo-e-stralcio</loc>
    <lastmod>2026-10-06T12:27:13+02:00</lastmod>
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  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/saldo-stralcio-prima-asta-caso-reale</loc>
    <lastmod>2026-10-01T12:23:51+02:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
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      <image:title>Saldo e stralcio prima dell’asta: un caso reale costruito in due mesi</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/quando-la-valutazione-della-banca-super-il-valor-del-debito</loc>
    <lastmod>2026-10-05T16:09:04+02:00</lastmod>
    <changefreq>weekly</changefreq>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/chi-e-francesca-scarpetta-saldo-e-stralcio</loc>
    <lastmod>2026-10-07T10:22:46+02:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/FRANCESCA_SCARPETTA_01_51c9dbd2-e5bc-40c9-ad07-c8b7b2eae2a2.jpg?v=1791358543</image:loc>
      <image:title>Chi è Francesca Scarpetta?</image:title>
      <image:caption>Francesca Scarpetta, consulente in saldo e stralcio e gestione delle posizioni debitorie</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/come-funziona-la-vendita-in-contestuale-nel-saldo-e-stralcio-immobiliare</loc>
    <lastmod>2026-10-07T14:53:23+02:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/COME_GESTIRE_UNA_PRATICA_DI_SALDO_E_STRALCIO_DA_PROFESSIONISTA.jpg?v=1791377537</image:loc>
      <image:title>Come funziona la vendita in contestuale nel saldo e stralcio immobiliare</image:title>
      <image:caption>Come funziona la vendita in contestuale nel saldo e stralcio immobiliare</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://store.francescascarpetta.it/blogs/news/cessione-del-preliminare-nel-saldo-e-stralcio-immobiliare-come-funziona-davvero</loc>
    <lastmod>2026-10-07T16:57:32+02:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0263/1188/4881/articles/Il_mio_metodo_tra_persone_e_numeri_ista.jpg?v=1791384812</image:loc>
      <image:title>Cessione del preliminare nel saldo e stralcio immobiliare: come funziona davvero</image:title>
      <image:caption>Cessione del preliminare nel saldo e stralcio immobiliare</image:caption>
    </image:image>
  </url>
</urlset>
