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        xmlns:xhtml="http://www.w3.org/1999/xhtml"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- Homepage -->
  <url>
    <loc>https://oropillar.com/</loc>
    <lastmod>2026-06-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Main Debt Relief Landing Page -->
  <url>
    <loc>https://oropillar.com/landing/debt-relief/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://oropillar.com/assets/images/debt-relief-hero.png</image:loc>
      <image:title>Debt Relief Consultation</image:title>
      <image:caption>A couple reviewing their finances and exploring debt relief options</image:caption>
    </image:image>
  </url>

  <!-- Credit Card Debt Landing Page -->
  <url>
    <loc>https://oropillar.com/landing/credit-card-debt/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://oropillar.com/assets/images/credit-card-debt.png</image:loc>
      <image:title>Credit Card Debt Relief</image:title>
      <image:caption>Taking control of credit card debt by cutting up cards</image:caption>
    </image:image>
  </url>

  <!-- Medical Debt Landing Page -->
  <url>
    <loc>https://oropillar.com/landing/medical-debt/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://oropillar.com/assets/images/medical-debt-hero.png</image:loc>
      <image:title>Medical Debt Relief</image:title>
      <image:caption>Woman reviewing medical bills and seeking debt relief help</image:caption>
    </image:image>
  </url>

  <!-- Subdomain Landing Pages (also accessible via subdomains) -->
  <url>
    <loc>https://debt.oropillar.com/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://relief.oropillar.com/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Debt Calculator Tool -->
  <url>
    <loc>https://oropillar.com/tools/debt-calculator/</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Guide: How to Get Out of Credit Card Debt -->
  <url>
    <loc>https://oropillar.com/guides/get-out-of-credit-card-debt/</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Guide: Debt Settlement vs Bankruptcy -->
  <url>
    <loc>https://oropillar.com/guides/debt-settlement-vs-bankruptcy/</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://oropillar.com/privacy</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Terms of Service -->
  <url>
    <loc>https://oropillar.com/terms</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
