How to Get Out of Debt, Stay Out of Debt, and Live Prosperously
Out of the red…
Do this month’s bills pile up before you’re paid last month’s?
Do you regularly receive past-due notices?
Do you get letters threatening legal action if immediate payment is not made?
Do the total amounts on your revolving charge accounts keep steadily rising?
Into the black…
Whether you are currently in debt or fear you’re falling into debt, you are not alone. Forty million Americans–from doctors to secretaries, from executives to the unemployed–face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn:
How to recognize the warning signs of serious debt.
How to negotiate with angry creditors, collection agencies, and the IRS.
How to design a realistic and painless pay-back schedule.
How to identify your spending “blind spots.”
How to cope with the anxiety and daily pressures of owing money.
Plus the three cardinal rules for staying out of debt forever and much more!
This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the Debtors Anonymous program.
A Survival Guide to Debt: How to Overcome Tough Times & Restore Your Financial Health
October 26, 2009 by admin
Filed under Debt & Credit Information, Featured
Paying bills with credit cards? Cringing every time the phone rings? Avoiding a stack of mail from your credit card company? Have you given up hope that you will ever recover from your desperate financial situation? Don’t despair. Just open this book and discover the simple steps that will allow you to take control of your finances and your life.
As president of a nonprofit debt education organization, Mitchell L. Allen has helped thousands of individuals overcome tough economic times. And he can show you how to spot the warning signs of financial distress, make smart decisions to find a path out of the woods, and manage the emotional stress of a financial meltdown. A Survival Guide to Debt offers comprehensive coverage of all of your options for dealing with debt in a simple, guidebook format designed to empower you to make the best decisions for you. Allen explains
- Options for solving your debt problems on your own
- Clear tips for negotiating with creditors
- How to find professionals who can help
- The facts and myths and pros and cons of bankruptcy
- Detailed descriptions of chapter 7 and chapter 13 bankruptcy
- How to live without relying on credit
- How to emerge from the woods and build a financially secure life
This book will give you the hope and the practical advice you need to move from debt-induced insanity to emotional and financial security. Whether you are heavily in debt, face repossession or foreclosure, or are considering bankruptcy, this book will provide the information you need to restore your financial health and regain peace of mind.
The Get Out of Debt Kit: Your Roadmap to Total Financial Freedom
October 25, 2009 by admin
Filed under Debt & Credit Information, Featured
Americans are carrying a record $1.645 trillion in debt, exclusive of home mortgages, according to the Federal Reserve.
Living beyond our means and financing unaffordable lifestyles on the back of credit cards has become synonymous with American consumer culture. Some consumers feel the nagging beginnings of problems, while others are nearly imprisoned by debt. No matter what the level, debt is debilitating, draining mental, emotional, and financial energies. For those sensing they might be out of control when it comes to rising credit card balances, here is help from someone who has walked the same road.
Credit expert and financial coach Deborah McNaughton speaks from experience. She has been deep in debt, hovering on the brink of bankruptcy herself. As she has gotten her own financial life under control, she is that much more committed to helping others get out of debt.
In The Get Out of Debt Kit, McNaughton constructs a practical and proven roadmap for shaking the debt monster and achieving total financial freedom. How? Debt-ridden consumers get help to:
• Identify the warning signs and prepare to take action.
• Prioritize debts and decide which to pay off first.
• Negotiate with creditors as necessary.
• Break the unproductive habits that led to debt in the first place.
From figuring out where the money goes to putting together a budget, readers get the tools they need to turn away from overdependence on credit cards, including specific tips for getting out of debt.
