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		<lastmod>2019-09-19T09:56:01+00:00</lastmod>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-procede-nel-caso-in-cui-si-decida-di-riaccreditare-degli-importi-che-sono-stati-addebitati-dal-conto-originario/</loc>
		<lastmod>2019-09-19T10:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-recupero-le-somme-addebitate-sul-conto-ordinario-riferite-ad-anticipi-sbf/</loc>
		<lastmod>2019-09-19T10:40:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nel-ricalcolo-degli-interessi-al-tasso-bot-il-software-quale-rilevazione-prende-in-considerazione/</loc>
		<lastmod>2019-09-19T10:42:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ricalcolo-degli-interessi-entro-il-tasso-soglia-per-i-trimestri-usurari-con-formula-b-i-2009/</loc>
		<lastmod>2019-09-19T10:43:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-calcolare-gli-interessi-con-la-capitalizzazione-semplice-fino-al-30-6-2000-e-succesivamente-trimestrale/</loc>
		<lastmod>2019-09-19T10:45:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/qual-e-la-modalita-di-calcolo-degli-interessi-anatocistici-e-la-loro-crescita-trimestre-per-trimestre/</loc>
		<lastmod>2019-09-19T10:47:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/cosa-rappresenta-la-sommatoria-dellanatocismo-che-troviamo-nei-risultati-dellanalisi/</loc>
		<lastmod>2019-09-19T10:49:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riguardo-lanatocismo-come-si-interpreta-la-colonna-sommatoria-interessi/</loc>
		<lastmod>2019-09-19T10:51:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-un-conto-dove-non-risulta-esserci-usura-in-alcuni-trimestri-come-si-procede-ai-fini-del-riconteggio/</loc>
		<lastmod>2019-09-19T13:08:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-software-non-calcola-gli-interessi-anatocistici/</loc>
		<lastmod>2019-09-19T13:24:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-il-teg-effettivo-supera-il-teg-medio-ma-non-il-tasso-soglia-gli-interessi-vengono-recuperati/</loc>
		<lastmod>2019-09-19T13:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lanalisi-del-conto-verra-eseguita-in-base-ai-numeri-debitori-creditori-e-al-massimo-scoperto-rettificati-quindi-calcolati-rispetto-ai-movimenti-inseriti/</loc>
		<lastmod>2019-09-19T13:31:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/i-valori-immessi-nel-pannello-usura-contrattuale-delle-opzioni-analisi-sono-incompleti-o-errati/</loc>
		<lastmod>2019-09-19T13:33:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/n-b-limpostazione-manuale-di-un-termine-prescrizionale-andra-a-modificare-il-ricalcolo-e-quindi-anche-le-rimesse-solutorie-se-calcolate-rispetto-al-saldo-ricalcolato/</loc>
		<lastmod>2019-09-19T13:48:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-rileva-le-rimesse-solutorie/</loc>
		<lastmod>2019-09-19T15:16:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-procede-in-caso-di-mancanza-di-documentazione-che-accerti-la-presenza-della-clausola-di-reciprocita-ante-2000/</loc>
		<lastmod>2019-09-19T15:19:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/la-rilevazione-delle-rimesse-solutorie-puo-essere-indicativa-per-fissare-il-termine-prescrizionale-del-conto-corrente/</loc>
		<lastmod>2019-09-19T15:21:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-vengono-conteggiati-gli-oneri-annui-per-i-primi-trimestri-con-la-formula-b-italia-2009-oneri-x-4/</loc>
		<lastmod>2019-09-19T15:23:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-permette-di-quantificare-laddebito-irripetibile-rispetto-ai-versamenti-di-carattere-solutorio/</loc>
		<lastmod>2019-09-19T15:24:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-si-modifica-il-campo-clausola-reciprocita-al-foglio-analisi-conto-perche-non-si-modifica-il-riconteggio/</loc>
		<lastmod>2019-09-19T15:25:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-permette-di-rilevare-lindebito-irripetibile-rispetto-ai-versamenti-solutori-sul-saldo-ricalcolato/</loc>
		<lastmod>2019-09-19T15:27:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/rilevazione-rimesse-solutorie-per-conti-non-affidati/</loc>
		<lastmod>2019-09-19T15:28:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/taeg-gazzetta-ufficiale/</loc>
		<lastmod>2019-09-19T15:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/per-proseguire-devi-necessariamente-inserire-una-data-di-inizio-e-di-fine-analisi/</loc>
		<lastmod>2019-09-19T15:45:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-vengono-ricostruiti-il-saldo-contabile-ed-il-saldo-liquido-nel-foglio-movimenti/</loc>
		<lastmod>2019-09-19T15:49:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-non-ho-tutti-gli-e-c-a-disposizione-esiste-una-funzione-per-evidenziare-tale-problema-nel-conteggio-finale/</loc>
		<lastmod>2019-09-19T15:53:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-il-conto-chiude-a-zero-per-un-giroconto-a-sofferenza-quale-saldo-va-inserito-il-finale-negativo-o-zero/</loc>
		<lastmod>2019-09-19T15:58:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/mancano-indicazioni-valide-per-laffidato-in-alcuni-trimestri-se-il-conto-e-affidato-considerera-affidato-0-altrimenti-il-massimo-scoperto-o-affidato-medio-se-non-affidato/</loc>
		<lastmod>2019-09-19T16:07:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-agire-in-caso-di-apertura-di-conto-corrente-garantito-da-mutuo-ipotecario/</loc>
		<lastmod>2019-09-19T16:08:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/cosa-mi-consente-fare-se-scelgo-come-tipologia-di-conto-imposta-per-trimestre/</loc>
		<lastmod>2019-09-19T16:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-analizzano-i-conti-promiscui-conti-sui-quali-transitano-sia-operazioni-del-conto-ordinario-che-anticipi/</loc>
		<lastmod>2019-09-19T16:14:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-tramite-il-software-effettuare-un-controllo-sullusura-contrattuale-per-i-conti-correnti-bancari/</loc>
		<lastmod>2019-09-19T16:16:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/scalare-no-ultimo-trimestre/</loc>
		<lastmod>2019-09-19T16:18:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-sono-stati-immessi-valori-non-validi-testo-spazzi-vuoti-o-stringhe-nel-prospetto-delle-competenze/</loc>
		<lastmod>2019-09-19T16:24:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-base-alla-scelta-del-quesito-impostata-risultano-delle-impostazioni-da-valorizzare-manualmente-controlla-quali-sono-in-configurazione-quesiti/</loc>
		<lastmod>2019-09-19T16:26:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-il-saldo-liquido-finale-del-conto-corrente-inserito-nel-prospetto-delle-competenze/</loc>
		<lastmod>2019-09-19T16:31:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/controlla-linserimento-delle-commissioni-di-massimo-scoperto-dopo-il-31-12-2009-sono-illegittime-e-non-dovrebbero-essere-state-applicate-dalla-banca/</loc>
		<lastmod>2019-09-20T08:24:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/alcuni-valori-inseriti-nel-prospetto-delle-competenze-trimestrali-sembrano-fuori-norma-controlla-di-aver-inserito-correttamente-i-numeri-debitori/</loc>
		<lastmod>2019-09-20T08:26:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gli-interessi-creditori-vanno-inseriti-al-lordo-o-netto-della-ritenuta-al-foglio-competenze/</loc>
		<lastmod>2019-09-20T08:27:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nel-caso-di-rettifiche-di-cms-con-segno-negativo-a-credito-come-vanno-correttamente-inserite-nel-foglio-di-lavoro/</loc>
		<lastmod>2019-09-20T08:40:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-massimo-scoperto-e-cms-con-aliquote-differenti-e-piu-basi-di-calcolo/</loc>
		<lastmod>2019-09-20T08:43:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-competenze-con-numeri-e-interessi-invariati-e-gia-liquidati/</loc>
		<lastmod>2019-09-20T08:53:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quale-importo-va-inserito-alla-colonna-affidato-qualora-si-analizzi-un-c-c-promiscuo-con-piu-linee-di-credito/</loc>
		<lastmod>2019-09-20T08:56:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-come-gestisce-gli-anni-bisestili/</loc>
		<lastmod>2019-09-20T08:58:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ricalcolo-piano-di-ammortamento/</loc>
		<lastmod>2019-09-20T09:21:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/risultati-ricalcolo-2/</loc>
		<lastmod>2019-09-20T09:23:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/altre-opzioni/</loc>
		<lastmod>2019-09-20T09:26:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/impostazioni-di-ricalcolo-manuali/</loc>
		<lastmod>2019-09-20T09:31:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/impostazione-di-ricalcolo-automatiche/</loc>
		<lastmod>2019-09-20T09:37:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-automatico-dei-pagamenti/</loc>
		<lastmod>2019-09-20T09:50:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/pagamenti/</loc>
		<lastmod>2019-09-20T09:55:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/moratoria/</loc>
		<lastmod>2019-09-20T09:58:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/considera-taeg-del-piano-di-ammortamento-ai-fini-dellusura-contrattuale/</loc>
		<lastmod>2019-09-20T10:37:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/impostazione-manuale-rata/</loc>
		<lastmod>2019-09-20T10:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/impostazione-manuale-delle-scadenze-rata/</loc>
		<lastmod>2019-09-20T10:43:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-manuale-delle-quote-capitale-ed-interessi/</loc>
		<lastmod>2019-09-20T10:45:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/opzioni-avanzate-piano-ammortamento/</loc>
		<lastmod>2019-09-20T10:48:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/impostazioni-avanzate-tasso-variabile/</loc>
		<lastmod>2019-09-20T10:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/opzioni-avanzate-tasso-di-interesse/</loc>
		<lastmod>2019-09-20T13:18:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/impostazione-tasso-variabile/</loc>
		<lastmod>2019-09-20T13:24:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tasso-di-interesse/</loc>
		<lastmod>2019-09-20T13:28:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/opzioni-scadenza-rata/</loc>
		<lastmod>2019-09-20T13:32:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-tae-taeg/</loc>
		<lastmod>2019-09-20T13:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/conclusione-o-risoluzione-anticipata/</loc>
		<lastmod>2019-09-20T13:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tasso-di-mora-usurario/</loc>
		<lastmod>2019-09-20T13:39:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tasso-soglia-per-la-verifica-del-tasso-di-mora/</loc>
		<lastmod>2019-09-20T13:40:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/indeterminatezza-del-tasso/</loc>
		<lastmod>2019-09-20T13:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/considera-interessi-di-mora-nel-taeg/</loc>
		<lastmod>2019-09-20T13:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/opzione-verifica-contratto/</loc>
		<lastmod>2019-09-20T14:01:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-del-tasso-di-mora/</loc>
		<lastmod>2019-09-20T14:03:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/preammortamento/</loc>
		<lastmod>2019-09-20T14:07:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-generali/</loc>
		<lastmod>2019-09-20T14:10:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/piano-ammortamento/</loc>
		<lastmod>2019-09-20T14:11:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/conclusione-anticipata/</loc>
		<lastmod>2019-09-20T14:12:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/contratto/</loc>
		<lastmod>2019-09-20T14:14:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/anagrafica-perizia-ctu-ctp/</loc>
		<lastmod>2019-09-20T14:16:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tools/</loc>
		<lastmod>2019-09-20T14:21:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/appendice/</loc>
		<lastmod>2019-09-20T14:32:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/211-anatocismo-sempre-illegittimo-cms-nulla-azzeramento-competenze-in-caso-di-usura-contrattuale-o-sopravvenuta-formule-banca-ditalia/</loc>
		<lastmod>2019-09-20T14:35:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/212-azzeramento-interessi-e-cms-in-caso-di-usura-contrattuale-o-sopravvenuta-formula-legge-108-96/</loc>
		<lastmod>2019-09-20T14:36:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/213-azzeramento-interessi-e-cms-in-caso-di-usura-contrattuale-o-sopravvenuta-formule-banca-ditalia/</loc>
		<lastmod>2019-09-20T14:38:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/214-anatocismo-sempre-illegittimo-azzeramento-interessi-in-caso-di-usura-contrattuale-o-sopravvenuta-formula-legge-108-96/</loc>
		<lastmod>2019-09-20T14:40:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/215-anatocismo-sempre-illegittimo-azzeramento-interessi-in-caso-di-usura-contrattuale-o-sopravvenuta-formule-banca-ditalia/</loc>
		<lastmod>2019-09-20T14:41:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/15-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-cms-e-spese-nulle/</loc>
		<lastmod>2019-09-20T14:43:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/q1-quantificare-lanatocismo-prodotto-dalla-capitalizzazione-trimestrale-delle-competenze-int-cms-spese/</loc>
		<lastmod>2019-09-20T14:47:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/14-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-cms-nulla-azzeramento-interessi-usurari-formule-banca-ditalia/</loc>
		<lastmod>2019-09-20T14:49:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/q2-quantificare-lanatocismo-prodotto-dalla-capitalizzazione-trimestrale-degli-interessi/</loc>
		<lastmod>2019-09-20T14:50:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/13-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-cms-nulla-azzeramento-interessi-usurari-formula-legge-108-96/</loc>
		<lastmod>2019-09-20T14:51:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/q3-verificare-usura-contrattuale/</loc>
		<lastmod>2019-09-20T15:16:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/12-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-cms-nulla/</loc>
		<lastmod>2019-09-20T15:22:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/q4-verificare-usura-per-ciascun-trimestre-e-quantificare-gli-interessi-usurari-formula-legge-108-96/</loc>
		<lastmod>2019-09-20T15:23:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/11-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-clausola-interessi-nulla-e-azzeramento-interessi-usurari-formule-banca-ditalia/</loc>
		<lastmod>2019-09-20T15:27:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/q5-verificare-usura-per-ciascun-trimestre-e-quantificare-gli-interessi-usurari-formula-banca-ditalia/</loc>
		<lastmod>2019-09-20T15:28:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/10-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-clausola-interessi-nulla-e-azzeramento-interessi-usurari-formula-legge-108-96/</loc>
		<lastmod>2019-09-20T15:30:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/9-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-clausola-interessi-nulla/</loc>
		<lastmod>2019-09-20T15:31:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/8-contratto-nullo-e-azzeramento-interessi-usurari-formule-banca-ditalia/</loc>
		<lastmod>2019-09-20T15:33:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/7-contratto-nullo-e-azzeramento-interessi-usurari-formula-legge-108-96/</loc>
		<lastmod>2019-09-20T15:45:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/6-contratto-nullo/</loc>
		<lastmod>2019-09-20T15:47:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/5-si-escluda-la-capitalizzazione-degli-interessi-con-ricalcolo-cms/</loc>
		<lastmod>2019-09-20T15:48:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/4-si-escluda-la-capitalizzazione-degli-interessi/</loc>
		<lastmod>2019-09-20T15:50:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/3-si-escluda-ogni-forma-di-capitalizzazione-delle-competenze/</loc>
		<lastmod>2019-09-20T15:53:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/2-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-azzeramento-interessi-e-cms-in-caso-di-usura-formule-banca-ditalia/</loc>
		<lastmod>2019-09-20T15:55:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/1-anatocismo-illegittimo-fino-a-data-firma-clausola-reciprocita-e-dal-01-01-2014-azzeramento-interessi-e-cms-in-caso-di-usura-formula-legge-108-96/</loc>
		<lastmod>2019-09-20T15:59:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/calcolo-degli-interessi-legali-sulle-somme-da-recuperare/</loc>
		<lastmod>2019-09-21T08:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dei-pagamenti-e-degli-insoluti-per-il-ricalcolo-del-piano/</loc>
		<lastmod>2019-09-21T08:57:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-calcola-gli-interessi-di-mora/</loc>
		<lastmod>2019-09-21T09:04:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-si-rileva-che-il-tasso-risulta-usurario-in-contratto-perche-non-vi-e-alcun-recupero-al-foglio-ricalcolo/</loc>
		<lastmod>2019-09-21T09:19:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ricalcolare-un-piano-di-ammortamento-al-tasso-legale-nonostante-si-verifichi-dallanalisi-usura-contrattuale/</loc>
		<lastmod>2019-09-21T09:37:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-vanno-inserite-le-rate-di-un-leasing/</loc>
		<lastmod>2019-09-21T09:48:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-alcuni-teg-mora-non-risultano-calcolabili/</loc>
		<lastmod>2019-09-21T09:53:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-per-alcune-rate-il-teg-mora-non-e-calcolato/</loc>
		<lastmod>2019-09-23T16:17:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-alcuni-teg-rata-risultano-negativi/</loc>
		<lastmod>2019-09-23T16:24:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcola-il-teg-mora/</loc>
		<lastmod>2019-09-23T16:26:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcola-il-teg-rata/</loc>
		<lastmod>2019-09-23T16:28:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-imputare-i-pagamenti-apportati-per-2-rate-pagate-insieme-e-in-ritardo-e-determinare-anche-la-mora/</loc>
		<lastmod>2019-09-23T16:30:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quale-e-la-modalita-piu-corretta-per-analizzare-un-leasing-con-indicizzazione/</loc>
		<lastmod>2019-09-23T16:43:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-un-finanziamento-a-stato-avanzamento-lavori-c-d-sal/</loc>
		<lastmod>2019-09-23T16:45:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-un-tasso-di-mora-espresso-come-variabile/</loc>
		<lastmod>2019-09-23T16:46:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-va-inserito-il-canone-iniziale-nel-leasing/</loc>
		<lastmod>2019-09-23T16:48:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-il-tasso-di-mora-pari-alla-soglia-usura/</loc>
		<lastmod>2019-09-23T16:53:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/considerare-le-spese-illegittime-sostenute-nel-corso-del-rapporto-e-lincidenza-delle-stesse-nel-taeg-dei-pagamenti/</loc>
		<lastmod>2019-09-23T16:54:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-conclusione-anticipata/</loc>
		<lastmod>2019-09-23T16:57:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-taeg-del-piano-di-ammortamento-risulta-negativo/</loc>
		<lastmod>2019-09-23T17:07:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-tassi-di-interesse-variabili-che-rimangono-fissi-ad-intervalli-di-tempo-predeterminati/</loc>
		<lastmod>2019-09-24T08:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-la-data-di-scadenza-della-prima-rata-non-puo-coincidere-con-la-data-di-erogazione/</loc>
		<lastmod>2019-09-24T08:07:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/si-puo-gestire-un-finanziamento-del-tipo-bullet-nel-quale-il-pagamento-del-capitale-avviene-in-ununica-rata/</loc>
		<lastmod>2019-09-24T08:09:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-gestisce-il-preammortamento-in-un-leasing-che-prevede-una-liquidazione-trimestrale-degli-interessi/</loc>
		<lastmod>2019-09-24T08:11:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-di-un-mutuo-a-tassi-misti-per-parte-fissi-e-per-parte-variabile/</loc>
		<lastmod>2019-09-24T08:18:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/rilevazione-euribor-6-mesi-nel-periodo-che-precede-di-2-mesi-ciascun-periodo-di-interessi/</loc>
		<lastmod>2019-09-24T08:24:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-procede-allinserimento-di-un-mutuo-edilizio/</loc>
		<lastmod>2019-09-24T08:27:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quale-tipologia-si-dovrebbe-scegliere-per-un-finanziamento-agevolato-ai-sensi-del-regolamento-artigiancassa/</loc>
		<lastmod>2019-09-24T08:30:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-determinazione-dellusura-da-contratto-si-somma-il-tan-con-la-di-mora-nominale-e-si-confronta-con-la-soglia/</loc>
		<lastmod>2019-09-24T08:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/si-possono-inserire-le-spese-assicurative-nelle-spese-iniziali-quando-la-banca-le-anticipa-diminuendo-il-capitale/</loc>
		<lastmod>2019-09-24T08:46:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserendo-i-dati-contrattuali-di-un-mutuo-quali-spese-si-possono-considerare/</loc>
		<lastmod>2019-09-24T08:51:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nellammontare-finanziamento-quale-importo-si-indica-in-riferimento-ad-un-leasing/</loc>
		<lastmod>2019-09-24T08:57:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-procedere-in-caso-di-applicazione-del-tasso-di-mora-pari-alla-soglia-e-inoltre-presenti-spese-per-morosita/</loc>
		<lastmod>2019-09-24T09:08:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/limporto-da-inserire-per-la-rata-di-un-leasing-e-comprensivo-delliva/</loc>
		<lastmod>2019-09-24T09:10:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-viene-calcolato-il-valore-dellultimo-pagamento-per-lestinzione-anticipata/</loc>
		<lastmod>2019-09-24T09:14:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-tiene-presente-degli-interessi-per-estinzione-anticipata-nella-definizione-del-tasso-usurario/</loc>
		<lastmod>2019-09-24T09:18:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-inserire-la-percentuale-del-taeg-o-isc/</loc>
		<lastmod>2019-09-24T13:02:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/determinazione-tasso-soglia-per-mutui-a-tasso-misto/</loc>
		<lastmod>2019-09-24T13:03:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-consente-la-maggiorazione-del-teg-medio-per-la-determinazione-della-soglia-usura-per-gli-interessi-di-mora/</loc>
		<lastmod>2019-09-24T13:05:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-un-tasso-di-mora-esplicitato-anche-in-ragione-di-mese-o-frazione/</loc>
		<lastmod>2019-09-24T13:06:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-procede-allinserimento-di-un-mutuo-con-un-preammortamento-di-pochi-giorni-ad-un-tasso-fisso/</loc>
		<lastmod>2019-09-24T13:10:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-tratta-la-rinegoziazione-di-un-finanziamento-per-la-durata/</loc>
		<lastmod>2019-09-24T13:15:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/possono-essere-analizzati-i-contratti-stipulati-antecedente-alla-legge-anti-usura-del-1997/</loc>
		<lastmod>2019-09-24T13:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-gestisce-la-rinegoziazione-avvenuta-nel-corso-del-rapporto-per-variazione-dei-tassi/</loc>
		<lastmod>2019-09-24T13:17:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/differenza-leasing-strumentale-e-mobiliare/</loc>
		<lastmod>2019-09-24T13:20:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/si-puo-redigere-una-perizia-nel-caso-di-assenza-di-piano-di-ammortamento-delleffettive-rate-pagate/</loc>
		<lastmod>2019-09-24T13:22:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/si-puo-calcolare-il-taeg-e-il-tae-solo-per-rate-pagate-per-un-piano-non-concluso-ad-esempio-fino-alla-rata-41-su-120/</loc>
		<lastmod>2019-09-24T13:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/stampa-dei-risultati/</loc>
		<lastmod>2019-09-24T14:10:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/risultati-ricalcolo-3/</loc>
		<lastmod>2019-09-24T14:11:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/grafico-risultati-ricalcolo-2/</loc>
		<lastmod>2019-09-24T14:13:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/sintesi-risultati-ricalcolo-2/</loc>
		<lastmod>2019-09-24T14:15:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/impostazione-tassi-ricalcolo-manuale/</loc>
		<lastmod>2019-09-24T14:17:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/opzioni-di-ricalcolo-trimestrali/</loc>
		<lastmod>2019-09-24T14:19:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/differenza-saldi-iniziale/</loc>
		<lastmod>2019-09-24T14:21:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/spese-trimestri-in-usura-2/</loc>
		<lastmod>2019-09-24T14:23:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/aliquota-cms-per-trimestri-in-usura-2/</loc>
		<lastmod>2019-09-24T14:25:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tasso-di-interesse-per-trimestre-in-usura/</loc>
		<lastmod>2019-09-24T14:27:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/impostazioni-rapide-per-trimestri-in-usura-2/</loc>
		<lastmod>2019-09-24T14:29:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/spese-2/</loc>
		<lastmod>2019-09-24T14:30:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/aliquota-cms-2/</loc>
		<lastmod>2019-09-24T14:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tasso-a-debito-e-credito-2/</loc>
		<lastmod>2019-09-24T17:04:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/opzioni-rapide-ricalcolo/</loc>
		<lastmod>2019-09-24T17:05:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/applica-delibera-cicr-al-ricalcolo/</loc>
		<lastmod>2019-09-24T17:10:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/banca-rispetta-tub-120/</loc>
		<lastmod>2019-09-24T17:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/applicazione-delibera-cicr-n-343-del-03-08-2016-2/</loc>
		<lastmod>2019-09-24T17:16:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-teg-trimestrale/</loc>
		<lastmod>2019-09-24T17:28:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/risultati-analisi-conto-2/</loc>
		<lastmod>2019-09-24T17:30:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/grafico-dei-risultati-analisi-conto/</loc>
		<lastmod>2019-09-24T17:31:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-risultati-analisi/</loc>
		<lastmod>2019-09-24T17:33:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/opzioni-verifica-usura-teg-2/</loc>
		<lastmod>2019-09-25T13:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-usura-contrattuale/</loc>
		<lastmod>2019-09-25T13:48:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/termine-prescrizione-manuale/</loc>
		<lastmod>2019-09-25T13:57:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/stima-rimesse-solutorie/</loc>
		<lastmod>2019-09-25T14:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/prescrizione-e-rimesse-solutorie/</loc>
		<lastmod>2019-09-25T14:39:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/clausola-di-reciprocita/</loc>
		<lastmod>2019-09-25T14:40:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-taeg-g-u-38-del-16-02-2011/</loc>
		<lastmod>2019-09-25T14:59:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-teg-banca-italia-vigenti/</loc>
		<lastmod>2019-09-25T15:02:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-teg-banca-italia-2009/</loc>
		<lastmod>2019-09-25T15:04:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-teg-banca-italia-2006/</loc>
		<lastmod>2019-09-25T15:12:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-teg-banca-italia-2009-oneri-x-4/</loc>
		<lastmod>2019-09-25T15:13:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-teg-banca-italia-1996/</loc>
		<lastmod>2019-09-25T15:31:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-taeg-l-108-96/</loc>
		<lastmod>2019-09-25T15:32:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-teg-l-108-96/</loc>
		<lastmod>2019-09-25T15:39:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-competenze-inserite/</loc>
		<lastmod>2019-09-25T16:02:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/spese-teg-e-spese-conto/</loc>
		<lastmod>2019-09-25T16:03:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/interessi-e-commissioni-di-massimo-scoperto/</loc>
		<lastmod>2019-09-25T16:05:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/saldi-trimestrali-e-affidamento/</loc>
		<lastmod>2019-09-25T16:07:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/presenza-dellestratto-conto/</loc>
		<lastmod>2019-09-25T16:09:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/competenze-del-conto-corrente/</loc>
		<lastmod>2019-09-25T16:10:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-generali-del-conto-corrente/</loc>
		<lastmod>2019-09-25T16:17:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/importazione-di-excel/</loc>
		<lastmod>2019-09-25T16:28:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dei-dati-del-conto/</loc>
		<lastmod>2019-09-25T16:52:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-interpreta-il-risultato-ricalcolato/</loc>
		<lastmod>2019-09-26T10:42:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcola-il-saldo-ricalcolato-in-una-analisi-trimestrale/</loc>
		<lastmod>2019-09-26T10:47:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-opera-la-colonna-ulteriori-rettifiche-e-quando-conviene-utilizzarla-2/</loc>
		<lastmod>2019-09-26T13:12:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-sono-stati-immessi-valori-non-validi-testo-spazi-vuoti-o-stringhe-nelle-ulteriori-rettifiche-del-ricalcolo/</loc>
		<lastmod>2019-09-26T13:13:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-ricalcolare-i-conti-promiscui-conti-sui-quali-transitano-sia-operazioni-del-conto-ordinario-e-conto-anticipi/</loc>
		<lastmod>2019-09-26T13:14:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-procede-nel-caso-in-cui-si-decida-di-riaccreditare-degli-importi-che-sono-stati-addebitati-dal-conto-originario-2/</loc>
		<lastmod>2019-09-26T13:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-non-ci-sono-trimestri-in-usura-come-si-procede-al-recupero-delle-cms-perche-illegittime/</loc>
		<lastmod>2019-09-26T13:19:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dovendo-ricalcolare-il-conto-a-partire-dalla-condizione-di-saldo-zero-come-vanno-inseriti-i-dati-2/</loc>
		<lastmod>2019-09-26T13:20:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quando-e-previsto-il-recupero-delle-spese/</loc>
		<lastmod>2019-09-26T13:21:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-recupero-le-somme-addebitate-sul-conto-ordinario-riferite-ad-anticipi-sbf-2/</loc>
		<lastmod>2019-09-26T13:23:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-recuperare-tutte-e-spese-addebitate-in-conto-sia-teg-che-conto-in-caso-di-usura/</loc>
		<lastmod>2019-09-26T13:33:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-e-come-ricalcolo-le-competenze-addebitate-nel-conto/</loc>
		<lastmod>2019-09-26T13:38:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riguardo-lanatocismo-come-si-interpreta-la-colonna-interessi-anatocismo/</loc>
		<lastmod>2019-09-26T13:43:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/si-ottengono-valori-dei-teg-troppo-elevati-pari-a-centinaia-o-migliaia-di-punti-percentuali-da-cosa-puo-dipendere-2/</loc>
		<lastmod>2019-09-26T14:17:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-software-non-calcola-gli-interessi-anatocistici-2/</loc>
		<lastmod>2019-09-26T14:19:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/la-stima-di-anatocismo-che-troviamo-nei-risultati-dellanalisi-del-conto-cosa-rappresenta/</loc>
		<lastmod>2019-09-26T14:20:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/qual-e-la-modalita-di-calcolo-degli-interessi-anatocistici-e-la-loro-crescita-trimestre-per-trimestre-2/</loc>
		<lastmod>2019-09-26T14:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/chiarimenti-sulla-differenza-di-importi-tra-usura-oggettiva-e-usura-soggettiva-e-cms-in-usura/</loc>
		<lastmod>2019-09-26T14:27:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/per-la-verifica-dellusura-contrattuale-e-necessario-inserire-la-data-del-contratto-e-le-relative-condizioni/</loc>
		<lastmod>2019-09-26T14:48:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-vengono-conteggiati-gli-oneri-annui-se-si-sceglie-di-applicare-la-formula-b-italia-2009-oneri-x-4/</loc>
		<lastmod>2019-09-26T14:49:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-si-inserisce-la-formula-per-la-rilevazione-del-teg/</loc>
		<lastmod>2019-09-26T14:50:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/scalare-no-ultimo-trimestre-2/</loc>
		<lastmod>2019-09-26T14:53:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/mancano-indicazioni-valide-per-laffidato-in-alcuni-trimestri-se-il-conto-e-affidato-considerera-affidato-0-altrimenti-il-massimo-scoperto-o-affidato-medio-se-non-affidato-2/</loc>
		<lastmod>2019-09-26T14:55:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-sono-stati-immessi-valori-non-validi-testo-spazi-vuoti-o-stringhe-nel-prospetto-delle-competenze/</loc>
		<lastmod>2019-09-26T14:56:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/per-proseguire-devi-necessariamente-inserire-una-data-di-inizio-e-di-fine-analisi-2/</loc>
		<lastmod>2019-09-26T14:58:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/controlla-linserimento-delle-commissioni-di-massimo-scoperto-dopo-il-31-12-2009-sono-illegittime-e-non-dovrebbero-essere-state-applicate-dalla-banca-2/</loc>
		<lastmod>2019-09-26T15:00:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/alcuni-valori-inseriti-nel-prospetto-delle-competenze-trimestrali-sembrano-fuori-norma-controlla-di-aver-inserito-correttamente-i-numeri-debitori-2/</loc>
		<lastmod>2019-09-26T15:02:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-colonna-numeri-debitori-e-numeri-creditori-va-inserita-la-somma-se-ci-sono-piu-numeri-nello-scalare/</loc>
		<lastmod>2019-09-26T15:04:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quando-trovo-nellestratto-conto-la-dicitura-saldo-liquido-finale-e-saldo-liquido-contabile-quale-voce-va-inserita/</loc>
		<lastmod>2019-09-26T15:06:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-si-ha-solo-lo-scalare-ma-non-le-competenze-e-il-saldo-di-un-trimestre-si-possono-effettuare-i-calcoli/</loc>
		<lastmod>2019-09-26T15:12:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nel-caso-di-rettifiche-di-cms-con-segno-negativo-a-credito-come-vanno-correttamente-inserite-nel-foglio-di-lavoro-2/</loc>
		<lastmod>2019-09-26T15:13:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-presenza-di-massimo-scoperto-con-aliquote-differenti-e-piu-basi-di-calcolova-inserita-la-somma-complessiva/</loc>
		<lastmod>2019-09-26T15:14:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-si-rileva-la-presenza-di-numeri-debitori-antergati-vanno-sommati-ai-numeri-debitori-oppure-si-possono-trascurare/</loc>
		<lastmod>2019-09-26T15:16:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-inserire-le-commissioni-su-disponibilita-immediata-utilizzo-oltre-disponibilita-istruttoria-veloce/</loc>
		<lastmod>2019-09-26T15:17:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/cosa-comporta-non-inserire-limporto-dellaffidato-nella-relativa-colonna/</loc>
		<lastmod>2019-09-26T15:18:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gli-interessi-creditori-vanno-inseriti-al-lordo-o-al-netto-della-ritenuta/</loc>
		<lastmod>2019-09-26T15:20:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-vi-sono-due-colonne-campi-per-linserimento-delle-spese-teg-e-conto/</loc>
		<lastmod>2019-09-26T15:21:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-competenze-con-numeri-e-interessi-invariati-e-gia-liquidati-2/</loc>
		<lastmod>2019-09-26T15:23:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-2d-verifica-piano-rateale/</loc>
		<lastmod>2019-09-26T16:02:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-1d-verifica-estratto-di-ruolo/</loc>
		<lastmod>2019-09-26T16:03:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-2e-verifica-piano-rateale/</loc>
		<lastmod>2019-09-26T16:07:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-2c-verifica-piano-rateale/</loc>
		<lastmod>2019-09-26T16:21:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-1c-verifica-estratto-di-ruolo/</loc>
		<lastmod>2019-09-26T16:27:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-2b-verifica-piano-rateale/</loc>
		<lastmod>2019-09-26T16:33:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-1b-verifica-estratto-di-ruolo/</loc>
		<lastmod>2019-09-26T16:46:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ricorso-annullamento-cartella/</loc>
		<lastmod>2019-09-26T17:01:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perizia-econometrica/</loc>
		<lastmod>2019-09-26T17:03:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-2f-verifica-piano-rateale/</loc>
		<lastmod>2019-09-26T17:06:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-1e-verifica-estratto-di-ruolo/</loc>
		<lastmod>2019-09-26T17:07:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/struttura-del-software/</loc>
		<lastmod>2019-09-26T17:09:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/fgh/</loc>
		<lastmod>2019-09-26T17:26:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-mutuo-tasso-fisso/</loc>
		<lastmod>2019-09-26T17:37:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-contratto-leasing/</loc>
		<lastmod>2019-09-27T07:43:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/rinegoziazione-sulla-durata-di-un-finanziamento/</loc>
		<lastmod>2019-09-27T07:57:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-finanziamento-di-tipo-bullet/</loc>
		<lastmod>2019-09-27T08:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tassi-variabili-trimestralmente-o-semestralmente-e-gestione-della-rilevazione-giorni/</loc>
		<lastmod>2019-09-27T08:32:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-di-due-o-piu-periodi-di-moratoria-che-intervengono-in-un-rapporto-di-finanziamento/</loc>
		<lastmod>2019-09-27T08:42:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/webinar-del-8-novembre-presentazione-del-software-di-fatturazione-elettronica-2/</loc>
		<lastmod>2019-09-27T08:46:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/diretta-facebook-5-febbraio-2019-novita-della-piattaforma-2/</loc>
		<lastmod>2019-09-27T08:57:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/trasmettere-documento-via-mail-solleciti-pagamenti-copia-di-cortesia/</loc>
		<lastmod>2019-09-27T09:09:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserire-sconto-maggiorazione-in-fattura-2/</loc>
		<lastmod>2019-09-27T09:11:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserire-una-ritenuta-in-fattura-2/</loc>
		<lastmod>2019-09-27T09:18:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-cliente-estero-4/</loc>
		<lastmod>2019-09-27T09:19:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-anagrafica-cliente-2/</loc>
		<lastmod>2019-09-27T09:28:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/emettere-fattura-elettronica-ad-un-condominio-2/</loc>
		<lastmod>2019-09-27T09:32:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creare-un-modello-2/</loc>
		<lastmod>2019-09-27T09:35:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creare-una-proforma-2/</loc>
		<lastmod>2019-09-27T09:36:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserire-cassa-previdenziale-2/</loc>
		<lastmod>2019-09-27T09:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attivare-la-fatturazione-elettronica-con-free-invoice/</loc>
		<lastmod>2019-09-27T09:41:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bollo-virtuale-nella-fatturazione-elettronica/</loc>
		<lastmod>2019-09-27T09:44:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/configurazione-profilo-di-fatturazione/</loc>
		<lastmod>2019-09-27T09:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/cambio-modalita-firma-fatture/</loc>
		<lastmod>2019-09-27T09:47:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserire-logo-in-fattura-pdf/</loc>
		<lastmod>2019-09-27T09:47:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserire-un-prodotto-o-servizio/</loc>
		<lastmod>2019-09-27T09:49:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dettagli-del-piano-ricalcolato/</loc>
		<lastmod>2019-09-27T10:44:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-ho-una-serie-di-estratti-ruolo-da-esaminare-posso-inserire-tutti-i-dati-insieme-per-esaminarli/</loc>
		<lastmod>2019-09-27T10:47:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-che-si-ottenga-un-importo-ricalcolato-per-laggio-piu-alto-rispetto-a-quello-definito-da-equitalia/</loc>
		<lastmod>2019-09-27T10:50:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dopo-aver-inserito-i-dati-in-mio-possesso-noto-che-nel-foglio-di-ricalcolo-ho-dei-valori-in-negativo-e-normale/</loc>
		<lastmod>2019-09-27T10:52:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/d-lgs-del-24-09-2015-n-159-art-9/</loc>
		<lastmod>2019-09-27T10:56:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-calcolo-somme-aggiuntive-inps-e-inail-lett-a/</loc>
		<lastmod>2019-09-27T13:04:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/formula-per-il-calcolo-del-tasso-di-mora-inps-inail-lett-a/</loc>
		<lastmod>2019-09-27T13:05:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lagente-della-riscossione-puo-effettuare-nuovi-pignoramenti-dopo-la-dichiarazione-di-adesione-allagevolato/</loc>
		<lastmod>2019-09-27T13:08:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/la-definizione-puo-essere-esercitata-anche-dai-debitori-che-hanno-gia-pagato-parzialmente-il-debito/</loc>
		<lastmod>2019-09-27T13:09:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-comma-5-dellart-6-del-d-l-n193-2016-prevede-che-lagente-non-puo-avviare-azioni-esecutive-su-carichi-definibili/</loc>
		<lastmod>2019-09-27T13:11:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/la-definizione-art-6-del-d-l-n193-2016-ha-ad-oggetto-i-carichi-affidati-agli-agenti-dal-2000-al-2016/</loc>
		<lastmod>2019-09-27T13:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-prevede-il-ricalcolo-delle-rateazioni-in-riferimento-alla-sentenza-della-cassazione-civile-sez-v-ord-n-16553-del-22-giugno-2018/</loc>
		<lastmod>2019-09-27T13:44:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-verificare-lanatocismo-tributario-per-una-cartella-quando-sono-trascorsi-meno-di-60-giorni-dalla-notifica/</loc>
		<lastmod>2019-09-27T13:47:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/controllando-una-rateazione-come-si-possono-rideterminare-gli-interessi/</loc>
		<lastmod>2019-09-27T13:50:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/da-cosa-dipendono-i-risultati-ricalcolati-completamente-irragionevoli-al-pannello-ricalcolo/</loc>
		<lastmod>2019-09-27T13:53:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-pannello-ricalcolo-dove-si-indica-la-percentuale-del-tasso-dinteresse-da-voler-utilizzare-ai-fini-del-ricalcolo/</loc>
		<lastmod>2019-09-27T13:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tasso-legale-vigente-e-vigente-equivalente/</loc>
		<lastmod>2019-09-27T14:01:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-ricorso-per-annullamento-non-puo-essere-definito-per-cartelle-contenenti-contributi-verificare-linserimento-dei-dati/</loc>
		<lastmod>2019-09-27T14:04:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-ricorso-per-annullamento-deve-riguardare-una-singola-cartella-esattoriale-verificare-linserimento-dei-dati/</loc>
		<lastmod>2019-09-27T14:05:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-ricalcolo-della-mora-e-compensi-restituisce-zero-perche-non-calcola-il-teg-mora/</loc>
		<lastmod>2019-09-27T14:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-e-valido-solo-per-le-rateazioni-di-equitalia-se-volessi-controllare-una-cartella-esattoriale-e-possibile/</loc>
		<lastmod>2019-09-27T14:08:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-data-protocollo-al-pannello-piano-rateale-e-opportuno-indicare-la-data-del-fallimento-se-e-in-atto-una-procedura/</loc>
		<lastmod>2019-09-27T14:09:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-trovo-indicate-nella-prima-rata-del-piano-di-ammortamento-le-spese-esecutive-dove-vanno-inserite-queste-spese/</loc>
		<lastmod>2019-09-27T14:11:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-sono-presenti-due-piani-di-rateizzo-per-le-stesse-cartelle-quale-dei-due-va-inserito/</loc>
		<lastmod>2019-09-27T14:13:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-controllare-gli-interessi-di-mora-in-assenza-di-rateazione/</loc>
		<lastmod>2019-09-27T14:23:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-nel-pannello-di-lavoro-piano-rateale-alla-colonna-degli-interessi-di-mora-mi-appare-value/</loc>
		<lastmod>2019-09-27T14:27:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-in-una-rateazione-ci-sono-cartelle-mai-notificate-come-si-possono-annullare-in-fase-di-ricalcolo/</loc>
		<lastmod>2019-09-27T14:32:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-il-ruolo-al-foglio-cartelle-non-coincide-con-il-ruolo-al-foglio-piano-rateale-quale-potrebbe-essere-la-causa/</loc>
		<lastmod>2019-09-27T14:35:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-valore-degli-interessi-di-mora-non-coincide-con-il-totale-delle-quote-interessi-di-mora-del-piano/</loc>
		<lastmod>2019-09-27T14:38:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-valore-dei-compensi-di-riscossione-non-coincide-con-il-totale-delle-quote-compensi-di-riscossione-del-piano/</loc>
		<lastmod>2019-09-27T14:40:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-totale-iscritto-a-ruolo-non-coincide-con-il-totale-delle-quote-capitale-del-piano/</loc>
		<lastmod>2019-09-27T14:42:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/posso-effettuare-gli-inserimenti-se-ho-a-disposizione-solo-lestratto-di-ruolo-e-non-le-cartelle/</loc>
		<lastmod>2019-09-27T14:44:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-colonna-opzione-ricalcolo-al-pannello-cartelle-se-si-sceglie-considera-recupera-anche-tutto-il-tributo/</loc>
		<lastmod>2019-09-27T14:46:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-verificare-lestratto-di-ruolo-se-avendo-solo-lestratto-si-evince-il-debito-residuo-inferiore-al-carico/</loc>
		<lastmod>2019-09-27T14:51:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-inserisco-i-diritti-di-notifica/</loc>
		<lastmod>2019-09-27T14:53:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-e-dove-inserire-le-sanzioni-riferite-ai-contributi-inps-e-inail/</loc>
		<lastmod>2019-09-27T14:56:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quali-sono-le-informazioni-da-inserire-per-il-ricalcolo-della-cartella-e-in-quale-sezione-le-trovo/</loc>
		<lastmod>2019-09-27T14:57:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-si-indicano-i-pagamenti-parziali-apportati-prima-che-il-debito-venga-rateizzato/</loc>
		<lastmod>2019-09-27T14:58:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-ho-un-avviso-di-pagamento-per-linps-si-puo-procedere-allinserimento-dei-dati/</loc>
		<lastmod>2019-09-27T14:59:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quando-si-compilano-le-ultime-due-colonne-del-pannello-cartelle-e-cosa-comporta-indicare-lett-a-e-lett-b/</loc>
		<lastmod>2019-09-27T15:00:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quale-data-va-inserita-alla-colonna-data-di-esecutivita-del-ruolo/</loc>
		<lastmod>2019-09-27T15:01:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lasciare-righe-vuote-o-cancellare-delle-righe-dal-pannello-cartelle-comporta-problemi/</loc>
		<lastmod>2019-09-27T15:08:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-dopo-aver-inserito-il-codice-tributo-es1e09-lo-stesso-non-appare-e-si-visualizza-100000/</loc>
		<lastmod>2019-09-27T15:09:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-ci-sono-delle-date-di-evasione-contributi-successive-ai-relativi-ruoli-tale-circostanza-non-e-possibile-e-determina-errori-di-ricalcolo-delle-somme-aggiuntive/</loc>
		<lastmod>2019-09-27T15:17:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/errore-alcuni-dati-sono-nulli-o-non-validi/</loc>
		<lastmod>2019-09-27T15:20:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-per-la-verifica-del-piano-rateale/</loc>
		<lastmod>2019-09-27T15:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-per-la-verifica-estratto-di-ruolo/</loc>
		<lastmod>2019-09-27T15:46:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-per-ricorso-annullamento-cartella/</loc>
		<lastmod>2019-09-27T15:49:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-vengono-determinati-gli-indicatori-per-il-rating-mcc/</loc>
		<lastmod>2019-09-30T13:19:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-2/</loc>
		<lastmod>2019-09-30T13:24:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-rosso/</loc>
		<lastmod>2019-09-30T14:20:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-grigio/</loc>
		<lastmod>2019-09-30T14:24:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-arancione/</loc>
		<lastmod>2019-09-30T14:27:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-arancione-e-rosse/</loc>
		<lastmod>2019-09-30T14:29:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-file-xbrl-caricato-non-si-trova-oppure-non-quadra-attivo-e-passivo-dello-stato-patrimoniale/</loc>
		<lastmod>2019-09-30T14:40:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-nel-file-xbrl-caricato-lutile-conto-economico-non-quadra-con-quello-di-esercizio-riportato-nel-patrimonio-netto/</loc>
		<lastmod>2019-09-30T14:47:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-in-possesso-dei-dati-della-nota-integrativa/</loc>
		<lastmod>2019-09-30T16:41:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-posso-inserire-i-crediti-dellattivo-circolante-oltre-12-mesi-finanziari/</loc>
		<lastmod>2019-09-30T16:43:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/struttura-del-software-2/</loc>
		<lastmod>2019-10-01T10:23:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-prodotti-in-corso-di-lavorazione-e-semilavorati-e-prodotti-finiti-e-merci/</loc>
		<lastmod>2019-10-01T14:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/calcolo-imposte-figurative/</loc>
		<lastmod>2019-10-01T15:00:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-viene-effettuata-la-stima-del-terminal-value-con-il-metodo-finanziario/</loc>
		<lastmod>2019-10-01T15:04:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-normalizzare-i-dati-del-conto-economico-rettificando-il-valore-di-determinate-voci-oppure-eliminando-i-componenti-straordinari-del-reddito/</loc>
		<lastmod>2019-10-01T15:41:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/costi-non-operativi/</loc>
		<lastmod>2019-10-01T15:50:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ricavi-non-operativi/</loc>
		<lastmod>2019-10-01T15:52:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-gestire-i-debiti-verso-altri-finanziatori/</loc>
		<lastmod>2019-10-01T15:55:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-determina-la-variazione-fondi-nel-rendiconto-finanziario-con-metodo-anglosassone/</loc>
		<lastmod>2019-10-01T15:59:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-sezione-gestione-crediti-come-si-procede-allimputazione-dei-valori-dincasso/</loc>
		<lastmod>2019-10-01T16:00:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/i-valori-inclusi-nel-piano-degli-investimenti-vanno-inseriti-considerando-liva/</loc>
		<lastmod>2019-10-01T16:02:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quali-percentuali-si-dovrebbero-prendere-in-considerazione-per-procedere-correttamente-con-linserimento-della-svalutazione/</loc>
		<lastmod>2019-10-01T16:03:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/da-cosa-sono-composte-le-voci-dello-stato-patrimoniale-altri-crediti-a-breve-ed-altri-debiti-a-breve/</loc>
		<lastmod>2019-10-01T16:04:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-considera-il-versamento-degli-acconti-annuali-delle-imposte-ires-ed-irap/</loc>
		<lastmod>2019-10-01T16:05:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/contributi-invitalia-resto-al-sud/</loc>
		<lastmod>2019-10-01T16:06:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-impostare-la-stagionalita-delle-vendite-in-maniera-tale-che-non-ci-siano-errori-nel-foglio-ricavi-costi-di-gestione/</loc>
		<lastmod>2019-10-01T16:10:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-sezione-costi-di-gestione-cosa-si-inserisce-nella-sezione-gg-di-pagamento/</loc>
		<lastmod>2019-10-01T16:12:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcolano-i-giorni-clienti-per-anni-previsionali/</loc>
		<lastmod>2019-10-01T16:22:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-incide-il-valore-sbf-nella-quantificazione-dei-crediti-v-clienti/</loc>
		<lastmod>2019-10-01T16:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcolano-i-giorni-clienti-per-anno-consuntivo/</loc>
		<lastmod>2019-10-01T16:51:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-file-xbrl-caricato-non-si-trova-oppure-non-quadra-attivo-e-passivo-dello-stato-patrimoniale-2/</loc>
		<lastmod>2019-10-01T16:53:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-un-xbrl-caricato-mi-da-errore-oppure-non-si-carica-o-non-viene-importato-2/</loc>
		<lastmod>2019-10-01T16:55:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-rosso-2/</loc>
		<lastmod>2019-10-01T17:02:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-grigio-2/</loc>
		<lastmod>2019-10-01T17:04:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-arancione-2/</loc>
		<lastmod>2019-10-01T17:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-arancione-e-rosse-2/</loc>
		<lastmod>2019-10-01T17:07:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-5/</loc>
		<lastmod>2019-10-02T08:09:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/risultati/</loc>
		<lastmod>2019-10-02T15:44:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-viene-calcolato-lirap-dal-software/</loc>
		<lastmod>2019-10-02T16:20:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-prodotti-in-corso-di-lavorazione-e-semilavorati-e-prodotti-finiti-e-merci-2/</loc>
		<lastmod>2019-10-02T16:26:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-materie-prime-2/</loc>
		<lastmod>2019-10-02T16:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcolano-i-giorni-fornitori-effettivi-per-gli-anni-previsionali/</loc>
		<lastmod>2019-10-02T16:37:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcolano-i-giorni-fornitori-cerved-per-gli-anni-previsionali/</loc>
		<lastmod>2019-10-02T16:41:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcolano-i-giorni-clienti-effettivi-per-gli-anni-previsionali/</loc>
		<lastmod>2019-10-02T16:42:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcolano-i-giorni-clienti-cerved-per-gli-anni-previsionali/</loc>
		<lastmod>2019-10-02T16:44:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/da-cosa-sono-composte-le-voci-dello-stato-patrimoniale-altri-crediti-a-breve-ed-altri-debiti-a-breve-2/</loc>
		<lastmod>2019-10-02T16:47:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-sezione-gestione-crediti-come-si-procede-allimputazione-dei-valori-dincasso-2/</loc>
		<lastmod>2019-10-02T16:48:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quali-percentuali-si-dovrebbero-prendere-in-considerazione-per-procedere-correttamente-con-linserimento-della-svalutazione-2/</loc>
		<lastmod>2019-10-02T16:50:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/una-volta-inserite-le-percentuali-di-incidenza-costo-del-lavoro-sul-fatturato-come-procede-alla-quantificazione-del-costo-del-lavoro/</loc>
		<lastmod>2019-10-02T16:54:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcolano-i-giorni-clienti-per-anni-previsionali-2/</loc>
		<lastmod>2019-10-02T16:55:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-mai-pur-impostando-la-percentuale-del-costo-del-lavoro-dallanno-n1-in-poi-nelloutput-del-ce-non-compare-alcun-valore/</loc>
		<lastmod>2019-10-02T16:56:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-sezione-costi-di-gestione-cosa-si-inserisce-nella-sezione-gg-di-pagamento-2/</loc>
		<lastmod>2019-10-02T16:57:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-leasing-metodo-patrimoniale-e-finanziario/</loc>
		<lastmod>2019-10-02T17:05:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quali-dati-si-dovranno-inserire-in-riferimento-alle-linee-di-credito-concesse-dalle-banche/</loc>
		<lastmod>2019-10-02T17:07:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/i-valori-inclusi-nel-piano-degli-investimenti-vanno-inseriti-considerando-liva-2/</loc>
		<lastmod>2019-10-02T17:08:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/contributi-invitalia-resto-al-sud-2/</loc>
		<lastmod>2019-10-02T17:09:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-manuale-del-bilancio-in-forma-abbreviata/</loc>
		<lastmod>2019-10-02T17:11:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-incide-il-valore-sbf-nella-quantificazione-dei-crediti-v-clienti-2/</loc>
		<lastmod>2019-10-02T17:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-vengono-calcolati-i-giorni-clienti-per-lultimo-bilancio-consuntivo/</loc>
		<lastmod>2019-10-02T17:13:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-file-xbrl-caricato-non-si-trova-oppure-non-quadra-attivo-e-passivo-dello-stato-patrimoniale-3/</loc>
		<lastmod>2019-10-02T17:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-un-xbrl-caricato-mi-da-errore-oppure-non-si-carica-o-non-viene-importato-3/</loc>
		<lastmod>2019-10-02T17:16:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-rosso-3/</loc>
		<lastmod>2019-10-02T17:24:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-grigio-3/</loc>
		<lastmod>2019-10-02T17:28:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-arancione-3/</loc>
		<lastmod>2019-10-02T17:31:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/bilancio-caricato-da-xbrl-celle-di-colore-arancione-e-rosse-3/</loc>
		<lastmod>2019-10-02T17:36:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-7/</loc>
		<lastmod>2019-10-03T07:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-prodotti-in-corso-di-lavorazione-e-semilavorati-e-prodotti-finiti-e-merci-3/</loc>
		<lastmod>2019-10-03T07:46:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-materie-prime-3/</loc>
		<lastmod>2019-10-03T07:51:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/struttura-del-software-4/</loc>
		<lastmod>2019-10-03T08:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-viene-calcolato-lirap-dal-software-2/</loc>
		<lastmod>2019-10-03T10:04:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-8/</loc>
		<lastmod>2019-10-03T10:08:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quali-sono-i-parametri-che-prende-in-considerazione-lindice-di-altman/</loc>
		<lastmod>2019-10-03T10:10:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/determinazione-del-roi/</loc>
		<lastmod>2019-10-03T10:12:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/calcolo-imposte-figurative-3/</loc>
		<lastmod>2019-10-03T10:14:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-faccio-ad-inserire-il-debito-obbligazionario-nellinput/</loc>
		<lastmod>2019-10-03T10:15:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/da-cosa-sono-composte-le-voci-dello-stato-patrimoniale-altri-crediti-a-breve-ed-altri-debiti-a-breve-3/</loc>
		<lastmod>2019-10-03T10:16:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-prodotti-in-corso-di-lavorazione-e-semilavorati/</loc>
		<lastmod>2019-10-03T10:19:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-materia-prime/</loc>
		<lastmod>2019-10-03T10:23:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/costi-non-operativi-3/</loc>
		<lastmod>2019-10-03T10:26:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ricavi-non-operativi-3/</loc>
		<lastmod>2019-10-03T10:27:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nel-budget-tesoreria-come-calcolare-i-costi-a-partire-da-ottobre-e-non-da-gennaio-2018/</loc>
		<lastmod>2019-10-03T10:29:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/pur-inserendo-un-valore-del-fido-molto-alto-la-cassa-risulta-negativa-e-non-vengono-riportati-debiti-a-breve-verso-banche-2/</loc>
		<lastmod>2019-10-03T10:32:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-sezione-distribuzione-dividendi-perche-il-primo-anno-sembra-non-lo-consideri/</loc>
		<lastmod>2019-10-03T10:33:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-vengono-gestiti-i-pagamenti-iva-inclusa/</loc>
		<lastmod>2019-10-03T10:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-tiene-conto-della-circolare-dellagenzia-delle-entrate-in-tema-di-nuova-iva-per-cassa/</loc>
		<lastmod>2019-10-03T10:39:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/la-percentuale-da-considerare-come-svalutazione-crediti-deve-essere-ricomprese-entro-specifici-parametri/</loc>
		<lastmod>2019-10-03T10:40:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-9/</loc>
		<lastmod>2019-10-03T10:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/struttura-del-software-5/</loc>
		<lastmod>2019-10-03T13:44:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-viene-calcolato-lirap-dal-software-3/</loc>
		<lastmod>2019-10-03T13:57:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-10/</loc>
		<lastmod>2019-10-03T14:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quali-sono-i-parametri-che-prende-in-considerazione-lindice-di-altman-2/</loc>
		<lastmod>2019-10-03T14:02:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/calcolo-imposte-figurative-4/</loc>
		<lastmod>2019-10-03T14:07:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quali-sono-i-parametri-che-influiscono-sulla-voce-ratei-e-risconti-passivi-dello-stato-patrimoniale-gestionale/</loc>
		<lastmod>2019-10-03T14:09:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/da-cosa-sono-composte-le-voci-dello-stato-patrimoniale-altri-crediti-a-breve-ed-altri-debiti-a-breve-4/</loc>
		<lastmod>2019-10-03T14:10:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nel-budget-tesoreria-come-calcolare-i-costi-a-partire-da-ottobre-e-non-da-gennaio-2018-2/</loc>
		<lastmod>2019-10-03T14:12:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-prodotti-in-corso-di-lavorazione-e-semilavorati-2/</loc>
		<lastmod>2019-10-03T14:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-magazzino-materie-prime-5/</loc>
		<lastmod>2019-10-03T14:19:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/costi-non-operativi-4/</loc>
		<lastmod>2019-10-03T14:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ricavi-non-operativi-4/</loc>
		<lastmod>2019-10-03T14:21:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/pur-inserendo-un-valore-del-fido-molto-alto-la-cassa-risulta-negativa-e-non-vengono-riportati-debiti-a-breve-verso-banche-3/</loc>
		<lastmod>2019-10-03T14:22:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-sezione-distribuzione-dividendi-perche-il-primo-anno-sembra-non-lo-consideri-2/</loc>
		<lastmod>2019-10-03T14:23:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dal-foglio-fonti-di-finanziamento-la-voce-finanziamento-soci-risulta-essere-inserita-nel-capitale-di-rischio-e-un-errore/</loc>
		<lastmod>2019-10-03T14:24:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/modalita-di-contabilizzazione-dei-leasing/</loc>
		<lastmod>2019-10-03T14:26:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/contributi-invitalia-resto-al-sud-3/</loc>
		<lastmod>2019-10-03T14:28:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-posso-prevedere-la-cessione-di-immobilizzazioni-ovvero-effettuare-dei-disinvestimenti-2/</loc>
		<lastmod>2019-10-03T14:31:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-vengono-gestiti-i-pagamenti-iva-inclusa-2/</loc>
		<lastmod>2019-10-03T14:33:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/la-quota-imputata-a-fido-viene-utilizzata-dal-software-per-la-copertura-di-eventuali-debiti-finanziari-a-lungo-termine/</loc>
		<lastmod>2019-10-03T14:37:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-tiene-conto-della-circolare-dellagenzia-delle-entrate-in-tema-di-nuova-iva-per-cassa-2/</loc>
		<lastmod>2019-10-03T14:39:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/la-percentuale-da-considerare-come-svalutazione-crediti-deve-essere-ricomprese-entro-specifici-parametri-2/</loc>
		<lastmod>2019-10-03T14:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-viene-calcolato-lirap-dal-software-4/</loc>
		<lastmod>2019-10-03T15:44:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-12/</loc>
		<lastmod>2019-10-03T15:45:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/da-cosa-sono-composte-le-voci-dello-stato-patrimoniale-altri-crediti-a-breve-ed-altri-debiti-a-breve-5/</loc>
		<lastmod>2019-10-03T15:46:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/calcolo-imposte-figurative-5/</loc>
		<lastmod>2019-10-03T15:47:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-funziona-la-sezione-informazioni-aggiuntive/</loc>
		<lastmod>2019-10-03T15:49:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-leasing-metodo-patrimoniale-e-finanziario-2/</loc>
		<lastmod>2019-10-03T15:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/quali-dati-si-dovranno-inserire-in-riferimento-alle-linee-di-credito-concesse-dalle-banche-2/</loc>
		<lastmod>2019-10-03T15:53:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-software-segnala-il-seguente-errore-controlla-il-valore-dei-mutui-che-deve-essere-pari-ad-e-1-210-21200/</loc>
		<lastmod>2019-10-03T15:56:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/check-list/</loc>
		<lastmod>2019-10-03T16:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/parametri-compensi/</loc>
		<lastmod>2019-10-03T16:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tabella-privilegi-immobiliari-e-mobiliari/</loc>
		<lastmod>2019-10-03T16:41:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-procedura-creditori/</loc>
		<lastmod>2019-10-03T16:43:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-13/</loc>
		<lastmod>2019-10-03T16:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/consolidamento-proposta/</loc>
		<lastmod>2019-10-03T16:53:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/determinazione-proposta/</loc>
		<lastmod>2019-10-03T17:02:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-reddituali/</loc>
		<lastmod>2019-10-03T17:08:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/situazione-debitoria/</loc>
		<lastmod>2019-10-03T17:18:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/patrimonio-debitore/</loc>
		<lastmod>2019-10-03T17:21:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creditori/</loc>
		<lastmod>2019-10-03T17:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-procedura/</loc>
		<lastmod>2019-10-03T17:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/avvisi-del-software/</loc>
		<lastmod>2019-10-03T17:41:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/scaricamento-relazione-e-modulistica/</loc>
		<lastmod>2019-10-03T17:43:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/struttura-del-software-7/</loc>
		<lastmod>2019-10-04T10:12:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-checklist-della-documentazione-relativa-alla-procedura-per-alcuni-documenti-manca-il-check-di-verifica-la-check-list-e-comunque-modificabile-e-sara-inserita-nel-piano/</loc>
		<lastmod>2019-10-04T13:14:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/hai-modificato-il-grado-o-la-natura-di-uno-o-piu-privilegi-mobiliari/</loc>
		<lastmod>2019-10-04T13:17:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/hai-modificato-il-grado-o-la-natura-di-uno-o-piu-privilegi-immobiliari/</loc>
		<lastmod>2019-10-04T13:21:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-caso-di-vendita-immobiliare-e-reperimento-di-fondi-da-terzi-con-il-pagamento-immediato-come-si-compila-la-sezione-consolidamento-proposta/</loc>
		<lastmod>2019-10-04T13:26:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcola-il-rapporto-rata-reddito-che-risulta-superiore-al-100/</loc>
		<lastmod>2019-10-04T13:33:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-piano-di-consolidamento-non-e-sostenibile-con-le-sole-risorse-del-reddito-mensile/</loc>
		<lastmod>2019-10-04T13:35:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcola-la-rata-media-mensile-nel-dettaglio-consolidamento/</loc>
		<lastmod>2019-10-04T13:36:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-la-prima-rata-di-ogni-consolidamento-dei-debiti-deve-essere-maggiore-o-uguale-a-31-03-2020-vedi-riga-1-2-3-in-consolidamento-proposta/</loc>
		<lastmod>2019-10-04T13:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-rapporto-rata-reddito-disponibile-di-almeno-un-consolidamento-e-superiore-del-35/</loc>
		<lastmod>2019-10-04T13:40:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-il-consolidamento-dei-debiti-mancano-informazioni-valide-sul-numero-di-rate-previste-per-il-piano-di-consolidamento/</loc>
		<lastmod>2019-10-04T13:42:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-totale-del-consolidamento-e-maggiore-del-reddito-disponibile-del-debitore-per-un-o-piu-anni/</loc>
		<lastmod>2019-10-04T13:47:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-primo-anno-e-presente-una-disponibilita-elevata-nel-dettaglio-consolidamento/</loc>
		<lastmod>2019-10-04T13:49:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-piano-prevede-la-vendita-dei-beni-e-le-spese-definite-per-la-procedura/</loc>
		<lastmod>2019-10-04T13:53:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-per-alcuni-piani-di-consolidamento-la-somma-delle-quote-capitale-non-coincide-con-il-debito-da-consolidare-vedi-riga-1-7-in-consolidamento-proposta/</loc>
		<lastmod>2019-10-04T14:04:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/a-cosa-serve-il-tasto-rettifica-incoerenze/</loc>
		<lastmod>2019-10-04T14:06:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/a-cosa-serve-il-tasto-consolida-tutti/</loc>
		<lastmod>2019-10-04T14:15:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-definire-il-piano-di-pagamento-dei-debiti/</loc>
		<lastmod>2019-10-04T14:20:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-ci-sono-debiti-per-i-quali-non-e-stato-inserito-un-piano-di-consolidamento-vedi-riga-3-4-5/</loc>
		<lastmod>2019-10-04T14:22:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verificare-il-piano-dei-pagamenti-dei-compensi-la-somma-dei-pagamenti-per-ogni-anno-non-e-uguale-al-totale-dei-compensi/</loc>
		<lastmod>2019-10-04T14:25:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verificare-il-piano-dei-pagamenti-delle-spese-di-giustizia-la-somma-dei-pagamenti-per-ogni-anno-non-e-uguale-al-totale-delle-spese/</loc>
		<lastmod>2019-10-04T14:26:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-la-percentuale-di-soddisfo-calcolata-automaticamente-in-caso-di-liquidazione-non-riporta-alcuna-differenza-tra-debiti-chirografari-e-privilegiati/</loc>
		<lastmod>2019-10-04T14:28:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-immessi-dati-validi-in-relazione-alle-spese-mensili-del-debitore/</loc>
		<lastmod>2019-10-04T14:31:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-ancora-inseriti-dati-sufficienti-in-relazione-al-reddito-mensile-disponibile/</loc>
		<lastmod>2019-10-04T14:32:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-di-aver-indicato-il-valore-del-debito-residuo-per-ogni-debito-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente/</loc>
		<lastmod>2019-10-04T14:34:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-corretta-assegnazione-tra-debito-e-bene-oggetto-del-privilegio-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente/</loc>
		<lastmod>2019-10-04T14:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-corretta-assegnazione-tra-debito-e-creditore-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente/</loc>
		<lastmod>2019-10-04T14:36:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-ancora-inseriti-dati-sufficienti-relativi-ai-debiti/</loc>
		<lastmod>2019-10-04T14:37:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-per-un-debito-un-privilegio-differente-tra-quelli-proposti/</loc>
		<lastmod>2019-10-04T14:39:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-gestire-linserimento-di-un-debito-riferito-ad-una-cartella-esattoriale/</loc>
		<lastmod>2019-10-04T14:40:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-privilegi-debiti-tributari-e-previdenziali/</loc>
		<lastmod>2019-10-04T14:41:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/cartelle-di-pagamento-con-debiti-erariali-e-contributivi/</loc>
		<lastmod>2019-10-04T14:48:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-debitore-ha-un-patrimonio-mobiliare-pari-a-zero/</loc>
		<lastmod>2019-10-04T14:49:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-debitore-ha-un-patrimonio-immobiliare-pari-a-zero/</loc>
		<lastmod>2019-10-04T14:53:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-valorizzazione-del-patrimonio-immobiliare-mobiliare-cosa-va-inserito/</loc>
		<lastmod>2019-10-04T14:55:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-considerare-il-valore-delle-quote-societarie-di-cui-si-e-titolare/</loc>
		<lastmod>2019-10-04T14:56:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-ci-sono-creditori-a-cui-non-hai-assegnato-nessun-debito/</loc>
		<lastmod>2019-10-04T15:49:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-immessi-dati-relativi-ai-creditori-della-procedura-se-non-ci-sono-creditori-non-sara-possibile-inserire-i-debiti-poiche-questi-dovranno-essere-collegati-ai-creditori/</loc>
		<lastmod>2019-10-04T15:50:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-cancellare-un-creditore/</loc>
		<lastmod>2019-10-04T15:52:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-caricare-i-dati-personali-del-gestore-consulente-debitore-e-coobbligato-attraverso-lautomatismo-carica-da-anagrafica/</loc>
		<lastmod>2019-10-04T16:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-necessario-inserire-la-data-della-procedura-nella-sezione-dati-della-procedura/</loc>
		<lastmod>2019-10-04T16:02:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-recuperare-i-dati-inseriti-nel-software-piano-del-consumatore-per-valutarli-con-il-software-liquidazione-e-o-accordo/</loc>
		<lastmod>2019-10-04T16:03:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/parametri-compensi-2/</loc>
		<lastmod>2019-10-04T16:06:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-procedura-creditore/</loc>
		<lastmod>2019-10-04T16:09:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dettaglio-consolidamento-2/</loc>
		<lastmod>2019-10-04T16:10:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/determinazione-proposta-del-creditore/</loc>
		<lastmod>2019-10-04T16:13:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-consolidamento-proposta-ai-creditori/</loc>
		<lastmod>2019-10-04T16:14:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/compensi-spese-della-procedura/</loc>
		<lastmod>2019-10-04T16:16:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-reddituali-del-debitore/</loc>
		<lastmod>2019-10-04T16:17:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tabella-privilegi/</loc>
		<lastmod>2019-10-04T16:18:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/check-list-2/</loc>
		<lastmod>2019-10-04T16:18:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-situazione-debitoria/</loc>
		<lastmod>2019-10-04T16:19:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-patrimonio-immobile-mobile-del-creditore/</loc>
		<lastmod>2019-10-04T16:21:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-dei-creditori/</loc>
		<lastmod>2019-10-04T16:22:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-della-procedura/</loc>
		<lastmod>2019-10-04T16:23:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/check-list-3/</loc>
		<lastmod>2019-10-04T17:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/parametri-compensi-3/</loc>
		<lastmod>2019-10-04T17:15:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tabella-privilegi-immobiliari-e-mobiliari-2/</loc>
		<lastmod>2019-10-04T17:18:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-procedura-creditori-2/</loc>
		<lastmod>2019-10-04T17:19:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-14/</loc>
		<lastmod>2019-10-04T17:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/liquidazione-patrimonio/</loc>
		<lastmod>2019-10-04T17:24:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riparto-liquidazione/</loc>
		<lastmod>2019-10-04T17:27:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-reddituali-2/</loc>
		<lastmod>2019-10-04T17:38:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/patrimonio-debitore-2/</loc>
		<lastmod>2019-10-05T07:25:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creditori-2/</loc>
		<lastmod>2019-10-05T07:28:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-della-procedura/</loc>
		<lastmod>2019-10-05T07:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/avvisi-del-software-2/</loc>
		<lastmod>2019-10-05T07:42:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/scaricamento-relazione-e-modulistica-2/</loc>
		<lastmod>2019-10-05T07:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/struttura-del-software-8/</loc>
		<lastmod>2019-10-05T07:45:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-15/</loc>
		<lastmod>2019-10-05T07:53:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-checklist-della-documentazione-relativa-alla-procedura-per-alcuni-documenti-manca-il-check-di-verifica-la-check-list-e-comunque-modificabile-e-sara-inserita-nel-piano-2/</loc>
		<lastmod>2019-10-05T07:54:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/hai-modificato-il-grado-o-la-natura-di-uno-o-piu-privilegi-mobiliari-2/</loc>
		<lastmod>2019-10-05T07:56:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/hai-modificato-il-grado-o-la-natura-di-uno-o-piu-privilegi-immobiliari-2/</loc>
		<lastmod>2019-10-05T07:57:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nel-prospetto-liquidazione-devono-essere-inserite-le-date-di-vendita-realizzo-o-cessione-dei-beni-mobili/</loc>
		<lastmod>2019-10-05T07:58:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nel-prospetto-liquidazione-devono-essere-inserite-le-date-di-vendita-realizzo-o-cessione-dei-beni-immobili/</loc>
		<lastmod>2019-10-05T07:59:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-procedere-alla-vendita-dei-beni-e-quindi-alla-liquidazione/</loc>
		<lastmod>2019-10-05T08:00:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-non-ce-la-piena-soddisfazione-dei-crediti-prededucibili-la-procedura-non-e-fattibile/</loc>
		<lastmod>2019-10-05T08:01:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/puoi-aggiungere-al-patrimonio-immobiliare-il-reddito-disponibile-per-liquidazione-nei-4-anni-della-procedura-vai-nella-sezione-dei-dati-reddituali-personali-e-clicca-sul-tasto-aggiungi-reddito-al-pat/</loc>
		<lastmod>2019-10-05T08:02:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-immessi-dati-validi-in-relazione-alle-spese-mensili-del-debitore-2/</loc>
		<lastmod>2019-10-05T08:03:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-ancora-inseriti-dati-sufficienti-in-relazione-al-reddito-mensile-disponibile-2/</loc>
		<lastmod>2019-10-05T08:04:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-di-aver-indicato-il-valore-del-debito-residuo-per-ogni-debito-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente-2/</loc>
		<lastmod>2019-10-05T08:05:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-corretta-assegnazione-tra-debito-e-bene-oggetto-del-privilegio-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente-2/</loc>
		<lastmod>2019-10-05T08:06:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-corretta-assegnazione-tra-debito-e-creditore-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente-2/</loc>
		<lastmod>2019-10-05T08:07:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-ancora-inseriti-dati-sufficienti-relativi-ai-debiti-2/</loc>
		<lastmod>2019-10-05T08:09:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-per-un-debito-un-privilegio-differente-tra-quelli-proposti-2/</loc>
		<lastmod>2019-10-05T08:10:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-debitore-ha-un-patrimonio-mobiliare-pari-a-zero-2/</loc>
		<lastmod>2019-10-05T08:13:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-debitore-ha-un-patrimonio-immobiliare-pari-a-zero-2/</loc>
		<lastmod>2019-10-05T08:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-considerare-il-valore-delle-quote-societarie-di-cui-si-e-titolare-2/</loc>
		<lastmod>2019-10-05T08:16:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-valorizzazione-del-patrimonio-immobiliare-mobiliare-cosa-va-inserito-2/</loc>
		<lastmod>2019-10-05T08:17:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-ci-sono-creditori-a-cui-non-hai-assegnato-nessun-debito-2/</loc>
		<lastmod>2019-10-05T08:18:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-immessi-dati-relativi-ai-creditori-della-procedura-se-non-ci-sono-creditori-non-sara-possibile-inserire-i-debiti-poiche-questi-dovranno-essere-collegati-ai-creditori-2/</loc>
		<lastmod>2019-10-05T08:19:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-gestire-linserimento-di-un-debito-riferito-ad-una-cartella-esattoriale-2/</loc>
		<lastmod>2019-10-05T08:20:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-cancellare-un-creditore-2/</loc>
		<lastmod>2019-10-05T08:22:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-caricare-i-dati-personali-del-gestore-consulente-debitore-e-coobbligato-attraverso-lautomatismo-carica-da-anagrafica-2/</loc>
		<lastmod>2019-10-05T08:24:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-necessario-inserire-la-data-della-procedura-nella-sezione-dati-della-procedura-2/</loc>
		<lastmod>2019-10-05T08:25:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-recuperare-i-dati-inseriti-nel-software-piano-del-consumatore-per-valutarli-con-il-software-liquidazione-e-o-accordo-2/</loc>
		<lastmod>2019-10-05T08:26:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/checklist/</loc>
		<lastmod>2019-10-05T08:28:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/compensi-spese-procedura/</loc>
		<lastmod>2019-10-05T08:29:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tabella-privilegi-2/</loc>
		<lastmod>2019-10-05T08:29:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riparto-liquidazione-2/</loc>
		<lastmod>2019-10-05T08:30:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-procedura-creditori-3/</loc>
		<lastmod>2019-10-05T08:31:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/parametri-compensi-4/</loc>
		<lastmod>2019-10-05T08:32:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/liquidazione-del-patrimonio/</loc>
		<lastmod>2019-10-05T08:33:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-situazione-debitoria-2/</loc>
		<lastmod>2019-10-05T08:34:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-patrimonio-immobile-mobile-del-debitore/</loc>
		<lastmod>2019-10-05T08:35:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-reddituali-del-debitore-2/</loc>
		<lastmod>2019-10-05T08:36:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-della-procedura-2/</loc>
		<lastmod>2019-10-05T08:37:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-dei-creditori-2/</loc>
		<lastmod>2019-10-05T08:37:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/checklist-2/</loc>
		<lastmod>2019-10-05T08:49:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/parametri-compensi-5/</loc>
		<lastmod>2019-10-05T08:50:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tabella-privilegi-immobiliari-e-mobiliari-3/</loc>
		<lastmod>2019-10-05T08:52:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-procedura-creditori-4/</loc>
		<lastmod>2019-10-05T08:54:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-16/</loc>
		<lastmod>2019-10-05T08:55:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dettaglio-consolidamento-3/</loc>
		<lastmod>2019-10-05T08:57:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/consolidamento-proposta-2/</loc>
		<lastmod>2019-10-05T09:02:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/determinazione-proposta-2/</loc>
		<lastmod>2019-10-05T09:09:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/sostenibilita-del-debito/</loc>
		<lastmod>2019-10-05T09:10:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-reddituali-impresa/</loc>
		<lastmod>2019-10-05T09:12:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-reddituali-personali/</loc>
		<lastmod>2019-10-05T09:16:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/situazione-debitoria-3/</loc>
		<lastmod>2019-10-05T09:23:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/patrimonio-debitore-3/</loc>
		<lastmod>2019-10-05T09:25:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creditori-3/</loc>
		<lastmod>2019-10-05T09:39:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-della-procedura-2/</loc>
		<lastmod>2019-10-05T09:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/avvisi-del-software-3/</loc>
		<lastmod>2019-10-05T09:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/scaricamento-relazione-e-modulistica-3/</loc>
		<lastmod>2019-10-05T09:46:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/struttura-del-software-9/</loc>
		<lastmod>2019-10-05T09:47:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/lazienda-che-sto-analizzando-non-presenta-debiti-finanziari-perche-la-posizione-finanziaria-netta-risulta-negativa-come-mai-in-alcuni-prospetti-viene-invece-riportata-con-il-segno-positivo-17/</loc>
		<lastmod>2019-10-05T10:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-checklist-della-documentazione-relativa-alla-procedura-per-alcuni-documenti-manca-il-check-di-verifica-la-check-list-e-comunque-modificabile-e-sara-inserita-nel-piano-3/</loc>
		<lastmod>2019-10-05T10:01:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/hai-modificato-il-grado-o-la-natura-di-uno-o-piu-privilegi-mobiliari-3/</loc>
		<lastmod>2019-10-05T10:02:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/hai-modificato-il-grado-o-la-natura-di-uno-o-piu-privilegi-immobiliari-3/</loc>
		<lastmod>2019-10-05T10:03:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-caso-di-vendita-immobiliare-e-reperimento-di-fondi-da-terzi-con-il-pagamento-immediato-come-si-compila-la-sezione-consolidamento-proposta-2/</loc>
		<lastmod>2019-10-05T10:05:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcola-il-rapporto-rata-reddito-che-risulta-superiore-al-100-2/</loc>
		<lastmod>2019-10-05T10:07:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-piano-di-consolidamento-non-e-sostenibile-con-le-sole-risorse-del-reddito-mensile-2/</loc>
		<lastmod>2019-10-05T10:08:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-calcola-la-rata-media-mensile-nel-dettaglio-consolidamento-2/</loc>
		<lastmod>2019-10-05T10:09:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-la-prima-rata-di-ogni-consolidamento-dei-debiti-deve-essere-maggiore-o-uguale-a-31-03-2020-vedi-riga-1-2-3-in-consolidamento-proposta-2/</loc>
		<lastmod>2019-10-05T10:11:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-il-rapporto-rata-reddito-disponibile-di-almeno-un-consolidamento-e-superiore-del-35-2/</loc>
		<lastmod>2019-10-05T10:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-il-consolidamento-dei-debiti-mancano-informazioni-valide-sul-numero-di-rate-previste-per-il-piano-di-consolidamento-2/</loc>
		<lastmod>2019-10-05T10:14:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-totale-del-consolidamento-e-maggiore-del-reddito-disponibile-del-debitore-per-un-o-piu-anni-2/</loc>
		<lastmod>2019-10-05T10:15:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-il-primo-anno-e-presente-una-disponibilita-elevata-nel-dettaglio-consolidamento-2/</loc>
		<lastmod>2019-10-05T10:17:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/laccordo-prevede-la-vendita-dei-beni-e-le-spese-definite-per-la-procedura/</loc>
		<lastmod>2019-10-05T10:18:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-e-possibile-inserire-unentrata-ulteriore-del-debitore-per-soddisfare-i-creditori-2/</loc>
		<lastmod>2019-10-05T10:19:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-ci-sono-debiti-per-i-quali-non-e-stato-inserito-un-piano-di-consolidamento-vedi-riga-3-4-5-2/</loc>
		<lastmod>2019-10-05T10:21:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-per-alcuni-piani-di-consolidamento-la-somma-delle-quote-capitale-non-coincide-con-il-debito-da-consolidare-vedi-riga-1-7-in-consolidamento-proposta-2/</loc>
		<lastmod>2019-10-05T10:22:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/a-cosa-serve-il-tasto-rettifica-incoerenze-2/</loc>
		<lastmod>2019-10-05T10:23:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/a-cosa-serve-il-tasto-consolida-tutti-2/</loc>
		<lastmod>2019-10-05T10:26:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-definire-il-piano-di-pagamento-dei-debiti-2/</loc>
		<lastmod>2019-10-05T10:28:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verificare-il-piano-dei-pagamenti-dei-compensi-la-somma-dei-pagamenti-per-ogni-anno-non-e-uguale-al-totale-dei-compensi-2/</loc>
		<lastmod>2019-10-05T10:29:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verificare-il-piano-dei-pagamenti-delle-spese-di-giustizia-la-somma-dei-pagamenti-per-ogni-anno-non-e-uguale-al-totale-delle-spese-2/</loc>
		<lastmod>2019-10-05T10:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-la-percentuale-di-soddisfo-calcolata-automaticamente-in-caso-di-liquidazione-non-riporta-alcuna-differenza-tra-debiti-chirografari-e-privilegiati-2/</loc>
		<lastmod>2019-10-05T10:33:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-la-sostenibilita-del-debito-risulta-in-equilibrio-in-tali-condizioni-la-procedura-di-sovraindebitamento-attraverso-laccordo-di-ristrutturazione-non-e-attuabile/</loc>
		<lastmod>2019-10-05T10:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-verifica-i-presupposti-oggettivi-legge-3-2012-art-1-l-f-della-procedura-nella-sezione-dei-dati-reddituali-impresa-la-procedura-dellaccordo-non-e-fattibile-in-relazione-ai-dati-im/</loc>
		<lastmod>2019-10-05T10:36:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-inserire-il-reddito-dimpresa-e-cosa-indicare/</loc>
		<lastmod>2019-10-05T10:36:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-immessi-dati-validi-in-relazione-alle-spese-mensili-del-debitore-3/</loc>
		<lastmod>2019-10-05T10:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-ancora-inseriti-dati-sufficienti-in-relazione-al-reddito-mensile-disponibile-3/</loc>
		<lastmod>2019-10-05T10:39:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-di-aver-indicato-il-valore-del-debito-residuo-per-ogni-debito-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente-3/</loc>
		<lastmod>2019-10-05T10:40:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-corretta-assegnazione-tra-debito-e-bene-oggetto-del-privilegio-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente-3/</loc>
		<lastmod>2019-10-05T10:41:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/verifica-la-corretta-assegnazione-tra-debito-e-creditore-nel-pannello-della-situazione-debitoria-eventuali-anomalie-verranno-segnalate-in-rosso-per-la-riga-corrispondente-3/</loc>
		<lastmod>2019-10-05T10:43:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-ancora-inseriti-dati-sufficienti-relativi-ai-debiti-3/</loc>
		<lastmod>2019-10-05T10:44:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-per-un-debito-un-privilegio-differente-tra-quelli-proposti-3/</loc>
		<lastmod>2019-10-05T10:46:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-gestire-linserimento-di-un-debito-riferito-ad-una-cartella-esattoriale-3/</loc>
		<lastmod>2019-10-05T10:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/cartelle-di-pagamento-con-debiti-erariali-e-contributivi-2/</loc>
		<lastmod>2019-10-05T10:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-privilegi-debiti-tributari-e-previdenziali-2/</loc>
		<lastmod>2019-10-07T09:10:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-debitore-ha-un-patrimonio-mobiliare-pari-a-zero-3/</loc>
		<lastmod>2019-10-07T09:11:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-debitore-ha-un-patrimonio-immobiliare-pari-a-zero-3/</loc>
		<lastmod>2019-10-07T09:12:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dove-considerare-il-valore-delle-quote-societarie-di-cui-si-e-titolare-3/</loc>
		<lastmod>2019-10-07T09:14:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-valorizzazione-del-patrimonio-immobiliare-mobiliare-cosa-va-inserito-3/</loc>
		<lastmod>2019-10-07T09:18:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attenzione-ci-sono-creditori-a-cui-non-hai-assegnato-nessun-debito-3/</loc>
		<lastmod>2019-10-07T09:24:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/non-sono-stati-immessi-dati-relativi-ai-creditori-della-procedura-se-non-ci-sono-creditori-non-sara-possibile-inserire-i-debiti-poiche-questi-dovranno-essere-collegati-ai-creditori-3/</loc>
		<lastmod>2019-10-07T09:25:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-cancellare-un-creditore-3/</loc>
		<lastmod>2019-10-07T09:27:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-caricare-i-dati-personali-del-gestore-consulente-debitore-e-coobbligato-attraverso-lautomatismo-carica-da-anagrafica-3/</loc>
		<lastmod>2019-10-07T09:29:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-necessario-inserire-la-data-della-procedura-nella-sezione-dati-della-procedura-3/</loc>
		<lastmod>2019-10-07T09:58:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/e-possibile-recuperare-i-dati-inseriti-nel-software-piano-del-consumatore-per-valutarli-con-il-software-liquidazione-e-o-accordo-3/</loc>
		<lastmod>2019-10-07T10:00:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/checklist-3/</loc>
		<lastmod>2019-10-07T10:05:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/parametri-compensi-6/</loc>
		<lastmod>2019-10-07T10:06:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tabella-privilegi-3/</loc>
		<lastmod>2019-10-07T10:15:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-procedura/</loc>
		<lastmod>2019-10-07T10:17:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dettaglio-consolidamento-4/</loc>
		<lastmod>2019-10-07T10:18:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-consolidamento-proposta-del-creditore/</loc>
		<lastmod>2019-10-07T10:19:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-compensi-spese-della-procedura/</loc>
		<lastmod>2019-10-07T10:20:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/determinazione-proposta-3/</loc>
		<lastmod>2019-10-07T10:21:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-reddituali-del-debitore-3/</loc>
		<lastmod>2019-10-07T10:22:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-situazione-debitoria-3/</loc>
		<lastmod>2019-10-07T10:23:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-patrimonio-immobiliare-mobiliare/</loc>
		<lastmod>2019-10-07T10:24:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-dei-creditori-3/</loc>
		<lastmod>2019-10-07T10:25:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/sostenibilita-del-debito-2/</loc>
		<lastmod>2019-10-07T10:26:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-reddituali-impresa/</loc>
		<lastmod>2019-10-07T10:27:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dati-della-procedura-3/</loc>
		<lastmod>2019-10-07T10:29:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/immobilizzazioni/</loc>
		<lastmod>2019-10-07T13:49:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-crediti/</loc>
		<lastmod>2019-10-07T13:50:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/calcolo-imposte-previsionali/</loc>
		<lastmod>2019-10-07T13:51:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/schermate-di-output/</loc>
		<lastmod>2019-10-07T13:51:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/costi-e-ricavi-anni-successivi/</loc>
		<lastmod>2019-10-07T13:52:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/costi-e-ricavi-i-anno/</loc>
		<lastmod>2019-10-07T13:54:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/debiti-finanziari/</loc>
		<lastmod>2019-10-07T13:55:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/debiti-commerciali-e-tributari/</loc>
		<lastmod>2019-10-07T13:56:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-dei-bilanci-consuntivi/</loc>
		<lastmod>2019-10-07T14:01:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/importazione-dei-bilanci-consuntivi-da-xbrl/</loc>
		<lastmod>2019-10-07T14:08:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/modulistica/</loc>
		<lastmod>2019-10-07T14:13:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/allegati-pratica/</loc>
		<lastmod>2019-10-07T14:14:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dettagli-della-pratica/</loc>
		<lastmod>2019-10-07T14:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/area-riservata/</loc>
		<lastmod>2019-10-07T14:17:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/codice-di-accesso/</loc>
		<lastmod>2019-10-07T14:19:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/richiesta-di-contatto/</loc>
		<lastmod>2019-10-07T14:20:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/elenco-nomine/</loc>
		<lastmod>2019-10-07T14:22:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-condividere-una-pratica-con-il-gestore/</loc>
		<lastmod>2019-10-07T14:29:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/area-cliente/</loc>
		<lastmod>2019-10-07T14:31:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/allegati/</loc>
		<lastmod>2019-10-07T14:35:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/modelli/</loc>
		<lastmod>2019-10-07T14:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/pec-dedicata-alla-pratica/</loc>
		<lastmod>2019-10-07T14:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/preventivo-pratica/</loc>
		<lastmod>2019-10-07T14:43:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/pagamenti-2/</loc>
		<lastmod>2019-10-07T14:46:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/scadenze/</loc>
		<lastmod>2019-10-07T14:48:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/procedura/</loc>
		<lastmod>2019-10-07T14:51:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestori/</loc>
		<lastmod>2019-10-07T14:56:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/contenuto-pratica-e-condivisione/</loc>
		<lastmod>2019-10-07T15:07:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-pratica/</loc>
		<lastmod>2019-10-07T15:25:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/calendario-scadenze/</loc>
		<lastmod>2019-10-07T15:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-pratiche-crisi-da-sovraindebitamento/</loc>
		<lastmod>2019-10-07T15:33:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/allegati-pratica-2/</loc>
		<lastmod>2019-10-07T16:31:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dettagli-della-pratica-2/</loc>
		<lastmod>2019-10-07T16:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/area-riservata-2/</loc>
		<lastmod>2019-10-07T16:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attivazione-singola-pratica/</loc>
		<lastmod>2019-10-07T16:43:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/area-cliente-2/</loc>
		<lastmod>2019-10-07T16:45:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/allegati-2/</loc>
		<lastmod>2019-10-07T16:46:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/modelli-2/</loc>
		<lastmod>2019-10-07T16:47:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/pec-dedicata-alla-pratica-2/</loc>
		<lastmod>2019-10-07T16:49:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/preventivo-pratica-2/</loc>
		<lastmod>2019-10-07T16:50:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/pagamenti-3/</loc>
		<lastmod>2019-10-07T16:55:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/scadenze-2/</loc>
		<lastmod>2019-10-07T16:56:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/incaricati/</loc>
		<lastmod>2019-10-07T17:00:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/procedura-2/</loc>
		<lastmod>2019-10-07T17:01:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/acquisto-singola-pratica-per-attivazione-software-e-assegnazione-gestore/</loc>
		<lastmod>2019-10-07T17:09:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/contenuto-pratica-e-condivisione-2/</loc>
		<lastmod>2019-10-07T17:11:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/calendario-scadenze-2/</loc>
		<lastmod>2019-10-07T17:12:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-pratica-2/</loc>
		<lastmod>2019-10-07T17:17:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dettagli-pratica/</loc>
		<lastmod>2019-10-07T17:18:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-pratiche/</loc>
		<lastmod>2019-10-07T17:22:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/attivazione-e-utilizzo-pec/</loc>
		<lastmod>2019-10-07T17:27:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/piani-rateali-in-corso/</loc>
		<lastmod>2019-10-08T08:58:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/aggiungere-postazioni-ad-un-determinato-software-acquistato/</loc>
		<lastmod>2019-10-08T09:04:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-posso-prevedere-la-cessione-di-immobilizzazioni-ovvero-effettuare-dei-disinvestimenti/</loc>
		<lastmod>2019-10-11T09:06:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/introduzione/</loc>
		<lastmod>2019-10-14T14:21:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserimento-movimenti/</loc>
		<lastmod>2019-10-14T14:27:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/rilevazione-rimesse-solutorie/</loc>
		<lastmod>2019-10-14T15:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/risultati-analisi-usura/</loc>
		<lastmod>2019-10-14T15:10:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/anatocismo-e-rimesse-solutorie/</loc>
		<lastmod>2019-10-14T15:12:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/capitalizzazione-competenze/</loc>
		<lastmod>2019-10-14T15:15:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/applicazione-delibera-cicr-n-343-del-03-08-2016/</loc>
		<lastmod>2019-10-14T15:17:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tasso-a-debito-e-credito/</loc>
		<lastmod>2019-10-14T15:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/aliquota-cms/</loc>
		<lastmod>2019-10-14T17:04:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/spese/</loc>
		<lastmod>2019-10-14T17:11:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tasso-di-interesse-per-trimestri-in-usura/</loc>
		<lastmod>2019-10-14T17:13:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/spese-trimestri-in-usura/</loc>
		<lastmod>2019-10-14T17:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/sintesi-risultati-ricalcolo/</loc>
		<lastmod>2019-10-14T17:15:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/se-si-rileva-la-presenza-di-numeri-debitori-antergati-vanno-sommati-ai-numeri-debitori-o-si-possono-non-considerare/</loc>
		<lastmod>2019-10-14T17:17:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/si-ottengono-valori-dei-teg-troppo-elevati-pari-a-centinaia-o-migliaia-di-punti-percentuali-da-cosa-puo-dipendere/</loc>
		<lastmod>2019-10-14T17:19:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/volendo-calcolare-leffetto-anatocistico-dallanno-2014-dove-si-imposta-lannullamento-della-capitalizzazione/</loc>
		<lastmod>2019-10-14T17:20:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-strutturare-linserimento-e-il-collegamento-del-conto-ordinario-e-anticipo/</loc>
		<lastmod>2019-10-14T17:21:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/introduzione-3/</loc>
		<lastmod>2019-10-14T17:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/stima-anatocismo/</loc>
		<lastmod>2019-10-14T17:29:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/riepilogo-risultati-analisi-conto/</loc>
		<lastmod>2019-10-14T17:30:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/capitalizzazione-competenze-2/</loc>
		<lastmod>2019-10-14T17:31:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/introduzione-2/</loc>
		<lastmod>2019-10-14T17:49:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/dati-di-anagrafica/</loc>
		<lastmod>2019-10-18T16:54:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ammortamento/</loc>
		<lastmod>2019-10-18T16:57:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/differenza-tra-ammortamento-francese-e-francese-interesse-variabile/</loc>
		<lastmod>2019-10-18T17:05:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-gestire-un-finanziamento-con-durata-indeterminata/</loc>
		<lastmod>2019-10-18T17:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/sezione-cartelle/</loc>
		<lastmod>2019-10-18T17:25:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-1a-verifica-estratto-di-ruolo/</loc>
		<lastmod>2019-10-19T08:09:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-2a-verifica-piano-rateale/</loc>
		<lastmod>2019-10-19T08:20:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/il-software-prevede-lipotesi-di-rottamazione-cartelle/</loc>
		<lastmod>2019-10-19T08:21:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/documenti-indispensabili-per-le-verifiche-delle-cartelle-equitalia/</loc>
		<lastmod>2019-10-19T08:32:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-pannello-di-ricalcolo-quale-tasso-deve-essere-inserito-nella-casella-in-riferimento-al-tasso-dilazione/</loc>
		<lastmod>2019-10-19T08:37:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/perche-le-sanzioni-per-le-multe-stradali-non-sono-rottamabili/</loc>
		<lastmod>2019-10-19T08:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/opzioni-di-ricalcolo-al-fine-della-verifica-e-quantificazione-dei-profili-di-illegittimita/</loc>
		<lastmod>2019-10-19T08:40:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ipotesi-rottamazione-cartelle/</loc>
		<lastmod>2019-10-19T08:43:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/rating-mcc-e-centrale-rischi-procedura-operativa-2/</loc>
		<lastmod>2019-10-19T09:21:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inviare-una-fattura-non-firmata/</loc>
		<lastmod>2019-10-28T10:45:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inviare-una-fattura-firmata-dal-cliente/</loc>
		<lastmod>2019-10-28T10:45:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/elencare-le-fatture-inviate/</loc>
		<lastmod>2019-10-28T10:46:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/elencare-le-fatture-ricevute/</loc>
		<lastmod>2019-10-28T10:46:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/elencare-le-notifiche-ricevute/</loc>
		<lastmod>2019-10-28T10:46:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/stati-di-una-fattura/</loc>
		<lastmod>2019-10-28T10:46:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/visualizzare-i-dettagli-di-una-notifica/</loc>
		<lastmod>2019-10-28T10:47:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/duplicazione-di-fatture/</loc>
		<lastmod>2019-10-29T16:47:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-passare-a-free-invoice-dal-tuo-gestionale/</loc>
		<lastmod>2019-10-29T16:48:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/importazione-fatture-xml-da-altro-gestionale-anche-massive/</loc>
		<lastmod>2019-10-29T16:49:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/esportazione-di-tracciati-speciali-verso-determinati-software-di-contabilita/</loc>
		<lastmod>2019-10-29T16:50:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/esportazione-verso-team-system/</loc>
		<lastmod>2019-10-29T16:50:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/esportazione-di-un-tracciato-personalizzato/</loc>
		<lastmod>2019-10-29T16:51:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/modalita-di-pagamento/</loc>
		<lastmod>2019-10-29T17:21:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/situazione-debitoria-2/</loc>
		<lastmod>2019-10-30T10:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/elaborazioni-automatiche-del-software-2/</loc>
		<lastmod>2019-11-20T10:58:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/ho-indicato-come-trimestri-da-analizzare-il-iii-ed-il-iv-del-2019-ai-fini-del-calcolo-easy-del-previsionale-a-6-mesi-non-capisco-il-software-quale-dato-di-ricavi-prende-in-considerazione-per-fare-la/</loc>
		<lastmod>2019-11-20T17:44:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tipologia-familiare-o-area-geografica-istat/</loc>
		<lastmod>2019-12-03T16:14:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tipologia-familiare-o-area-geografica-istat-2/</loc>
		<lastmod>2019-12-03T16:17:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/tipologia-familiare-o-area-geografica-istat-3/</loc>
		<lastmod>2019-12-03T16:19:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-che-modo-e-possibile-imputare-la-capitalizzazione-dei-costi-dovuta-ad-un-incremento-di-valore-delle-immobilizzazioni-materiali-nel-bp/</loc>
		<lastmod>2020-01-02T14:02:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/nella-creazione-dello-stato-patrimoniale-in-che-modo-e-possibile-inserire-i-crediti-commerciali-e-finanziari-negli-anni/</loc>
		<lastmod>2020-01-02T14:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-quale-campo-si-puo-inserire-la-quota-annuale-di-svalutazione-del-credito-verso-i-clienti/</loc>
		<lastmod>2020-01-02T14:09:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-che-modo-vengono-gestiti-i-leasing/</loc>
		<lastmod>2020-01-02T14:25:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/esiste-una-gestione-avanzata-per-limputazione-dei-costi-fissi-e-variabili/</loc>
		<lastmod>2020-01-02T16:27:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/qual-e-la-corretta-modalita-di-inserimento-dei-valori-del-conto-economico-e-dello-stato-patrimoniale-per-lanalisi-infrannuale/</loc>
		<lastmod>2020-01-03T17:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/posso-allegare-uno-o-piu-ddt-ad-una-fattura/</loc>
		<lastmod>2020-01-07T17:58:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creare-un-documento-di-trasporto-ddt/</loc>
		<lastmod>2020-01-09T18:23:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserire-spese-forfettarie/</loc>
		<lastmod>2020-01-09T18:23:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/gestione-incassi-e-pagamenti/</loc>
		<lastmod>2020-01-09T18:36:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserire-spese-anticipate-in-fattura/</loc>
		<lastmod>2020-01-10T09:57:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/emettere-fattura-con-valuta-diversa/</loc>
		<lastmod>2020-01-10T09:59:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/inserire-codice-cig-e-cup-in-fattura/</loc>
		<lastmod>2020-01-10T10:05:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-inseriscono-in-fattura-le-spese-anticipate-in-nome-e-per-conto-del-cliente/</loc>
		<lastmod>2020-02-17T14:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-inseriscono-in-fattura-le-spese-forfettarie/</loc>
		<lastmod>2020-02-17T14:55:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creare-ddt/</loc>
		<lastmod>2020-02-17T14:55:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creare-modello/</loc>
		<lastmod>2020-02-17T14:59:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/creare-un-preventivo-3/</loc>
		<lastmod>2020-02-17T14:59:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-inserire-un-cliente-italiano-privato-residente-allestero/</loc>
		<lastmod>2020-02-17T15:03:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/imposta-di-bollo-nella-fattura-elettronica/</loc>
		<lastmod>2020-02-17T15:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/vorrei-passare-a-free-invoice-ma-ho-emesso-fatture-con-un-altro-gestionale-devo-trasferirle-e-scaricare-i-file-xml-o-basta-solo-iscriversi/</loc>
		<lastmod>2020-02-17T15:41:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/che-cosa-indica-lart-73/</loc>
		<lastmod>2020-02-17T16:12:11+00:00</lastmod>
		<image:image>
			<image:loc>https://help.cloudfinance.it/wp-content/uploads/2020/02/Cattura.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-viene-definita-la-variazione-delle-rimanenze-presente-nel-conto-economico-a-valore-aggiunto-del-modulo-previsionale/</loc>
		<lastmod>2020-02-20T15:32:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/in-che-modo-vengono-gestiti-gli-ammortamenti-e-la-conseguente-riduzione-di-valore-patrimoniale-delle-immobilizzazioni-nel-modello-previsionale/</loc>
		<lastmod>2020-02-20T15:49:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-si-inserisce-la-rivalsa-inps-al-4-in-fattura/</loc>
		<lastmod>2020-02-27T17:50:27+00:00</lastmod>
		<image:image>
			<image:loc>https://help.cloudfinance.it/wp-content/uploads/2020/02/25.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://help.cloudfinance.it/wp-content/uploads/2020/02/1-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://help.cloudfinance.it/guida-online/importazione-xbrl-abbreviato-celle-di-colore-rosso-4/</loc>
		<lastmod>2020-02-28T16:39:00+00:00</lastmod>
		<image:image>
			<image:loc>https://help.cloudfinance.it/wp-content/uploads/2019/10/37.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://help.cloudfinance.it/wp-content/uploads/2019/10/38.png</image:loc>
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		<loc>https://help.cloudfinance.it/guida-online/importazione-xbrl-abbreviato-gestione-imposte-anticipate-bilanci-4/</loc>
		<lastmod>2020-02-28T16:42:48+00:00</lastmod>
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		<loc>https://help.cloudfinance.it/guida-online/importazione-xbrl-abbreviato-celle-di-colore-bianco-4/</loc>
		<lastmod>2020-02-28T16:43:54+00:00</lastmod>
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		<loc>https://help.cloudfinance.it/guida-online/codice-errore-00438-2-2-1-10-2-percentuale-e-2-2-1-10-3-importo-non-presenti-a-fronte-di-2-2-1-10-1-tipo-valorizzato/</loc>
		<lastmod>2020-03-04T15:00:42+00:00</lastmod>
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	<url>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/errore-00422-2-2-2-5-imponibile-importo-non-calcolato-secondo-le-regole-definite-nelle-specifiche-tecniche/</loc>
		<lastmod>2020-03-04T15:02:36+00:00</lastmod>
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		<lastmod>2020-03-04T15:03:18+00:00</lastmod>
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		<lastmod>2020-03-04T15:03:50+00:00</lastmod>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/errore-00312-codice-destinatario-non-attivo/</loc>
		<lastmod>2020-03-04T15:11:10+00:00</lastmod>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/errore-00306-codice-fiscale-non-valido/</loc>
		<lastmod>2020-03-04T15:17:50+00:00</lastmod>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/errore-00201-superato-il-numero-massimo-di-errori-di-formato/</loc>
		<lastmod>2020-03-04T15:19:17+00:00</lastmod>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/errore-00107-certificato-non-valido/</loc>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/errore-00101-certificato-di-firma-revocato/</loc>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/errore-00100-certificato-di-firma-scaduto/</loc>
		<lastmod>2020-03-04T15:20:39+00:00</lastmod>
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		<loc>https://help.cloudfinance.it/guida-online/errore-00403-2-1-1-3-data-successiva-alla-data-di-ricezione/</loc>
		<lastmod>2020-03-04T15:26:30+00:00</lastmod>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/importazione-dei-bilanci-consuntivi-da-xbrl-2/</loc>
		<lastmod>2020-03-05T11:37:48+00:00</lastmod>
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		<loc>https://help.cloudfinance.it/guida-online/debiti-commerciali-e-tributari-2/</loc>
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		<loc>https://help.cloudfinance.it/guida-online/costi-e-ricavi-anni-successivi-2/</loc>
		<lastmod>2020-03-05T15:37:58+00:00</lastmod>
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		<lastmod>2020-03-05T15:48:43+00:00</lastmod>
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		<loc>https://help.cloudfinance.it/guida-online/schermate-di-output-2/</loc>
		<lastmod>2020-03-05T15:51:59+00:00</lastmod>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/calcolo-imposte-previsionali-2/</loc>
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			<image:loc>https://help.cloudfinance.it/wp-content/uploads/2020/03/j.png</image:loc>
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			<image:loc>https://help.cloudfinance.it/wp-content/uploads/2020/03/3.png</image:loc>
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		<loc>https://help.cloudfinance.it/guida-online/perche-viene-generato-un-errore-durante-la-creazione-dei-tracciati-riba/</loc>
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		<loc>https://help.cloudfinance.it/guida-online/errore-00302-codice-fiscale-non-valido/</loc>
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		<loc>https://help.cloudfinance.it/guida-online/errore-00001-il-file-deve-essere-conforme-alle-regole-di-nomenclatura/</loc>
		<lastmod>2020-04-10T13:20:11+00:00</lastmod>
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		<lastmod>2020-04-15T10:27:04+00:00</lastmod>
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		<lastmod>2020-04-21T08:41:18+00:00</lastmod>
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		<loc>https://help.cloudfinance.it/guida-online/nel-quadro-riassuntivo-della-centrale-rischi-quali-fattori-possono-determinare-una-valutazione-negativa/</loc>
		<lastmod>2020-04-28T12:58:59+00:00</lastmod>
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		<loc>https://help.cloudfinance.it/guida-online/come-viene-calcolato-il-dscr-previsionale-2/</loc>
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		<loc>https://help.cloudfinance.it/guida-online/come-vengono-classificati-gli-sconfinamenti-in-base-alla-durata-questa-classificazione-puo-differire-dai-dati-riportati-nelle-tabelle-di-riepilogo/</loc>
		<lastmod>2020-05-04T14:22:12+00:00</lastmod>
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	<url>
		<loc>https://help.cloudfinance.it/guida-online/come-viene-calcolato-il-dscr-previsionale/</loc>
		<lastmod>2020-05-04T14:48:59+00:00</lastmod>
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		<lastmod>2020-05-07T09:50:40+00:00</lastmod>
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		<lastmod>2020-05-12T11:13:22+00:00</lastmod>
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		<lastmod>2020-05-12T13:40:19+00:00</lastmod>
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		<lastmod>2020-05-14T07:52:53+00:00</lastmod>
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		<lastmod>2020-05-23T07:33:52+00:00</lastmod>
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		<loc>https://help.cloudfinance.it/guida-online/come-inserisco-la-data-di-inizio-periodo-e-di-fine-periodo-in-riferimento-al-servizio-prestato/</loc>
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		<loc>https://help.cloudfinance.it/guida-online/creare-fatture-in-regime-forfettario/</loc>
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		<lastmod>2020-05-30T08:35:26+00:00</lastmod>
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		<lastmod>2020-05-30T09:38:15+00:00</lastmod>
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