How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar PDF Download
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Author: Martha Maeda Publisher: Atlantic Publishing Company ISBN: 1601383282 Category : Business & Economics Languages : en Pages : 290
Book Description
The current economic climate is dim for many Americans it forecasts potential recession, trouble for homeowners, and increasing personal and credit card debt. According to Federal Reserve estimates, that credit card debt is already in the trillions of dollars and rising each year. So, what can you do about it without immediately resorting to bankruptcy eliminating the entirety of your finances for years to come? It's a tough question to answer and one that many are faced with regularly, but there are ways to handle these debts legally without reaching for the extreme, final measure that we all dread so much. This book was written to provide every individual who is standing at the precipice of too much debt with the tools they need to settle that debt legally without ruining themselves forever. You will learn everything you need to know about the basics of debt, including what the various kinds secured, unsecured, personal, business, and tax debt entail and how they affect you. You will learn what happens to you when you don't pay, both legally and socially, and what your first steps should be on the road to repairing your debt. You will learn how to assess your overall risks and what your options are with your creditors. You will learn what vulnerabilities your debt collectors have legally and what you can do to legally challenge the validity of your debt. You will learn how to deal with bill collectors and how to create a line of communication that is two ways and not reliant solely on them making demands. Top financial experts, bill collectors, and one-time debt owers have been contacted and interviewed for this book and their interviews have been included here to provide a complete outline of what you can expect when you try to settle your debt. You will learn how to start negotiating settlements with your creditors and what specific things you can and cannot do when dealing with them. You will learn the variety of debtor's rights that exist and why they are never told to you, including details about the Fair Debt Collection Practices Act and how this act is legally enforced. For anyone who has ever spent the better part of their life dodging calls from creditors or trying to figure out how to pay those bills next month, this book will be the tool you need to understand how to tackle and deal with your debt. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Author: Martha Maeda Publisher: Atlantic Publishing Company ISBN: 1601383282 Category : Business & Economics Languages : en Pages : 290
Book Description
The current economic climate is dim for many Americans it forecasts potential recession, trouble for homeowners, and increasing personal and credit card debt. According to Federal Reserve estimates, that credit card debt is already in the trillions of dollars and rising each year. So, what can you do about it without immediately resorting to bankruptcy eliminating the entirety of your finances for years to come? It's a tough question to answer and one that many are faced with regularly, but there are ways to handle these debts legally without reaching for the extreme, final measure that we all dread so much. This book was written to provide every individual who is standing at the precipice of too much debt with the tools they need to settle that debt legally without ruining themselves forever. You will learn everything you need to know about the basics of debt, including what the various kinds secured, unsecured, personal, business, and tax debt entail and how they affect you. You will learn what happens to you when you don't pay, both legally and socially, and what your first steps should be on the road to repairing your debt. You will learn how to assess your overall risks and what your options are with your creditors. You will learn what vulnerabilities your debt collectors have legally and what you can do to legally challenge the validity of your debt. You will learn how to deal with bill collectors and how to create a line of communication that is two ways and not reliant solely on them making demands. Top financial experts, bill collectors, and one-time debt owers have been contacted and interviewed for this book and their interviews have been included here to provide a complete outline of what you can expect when you try to settle your debt. You will learn how to start negotiating settlements with your creditors and what specific things you can and cannot do when dealing with them. You will learn the variety of debtor's rights that exist and why they are never told to you, including details about the Fair Debt Collection Practices Act and how this act is legally enforced. For anyone who has ever spent the better part of their life dodging calls from creditors or trying to figure out how to pay those bills next month, this book will be the tool you need to understand how to tackle and deal with your debt. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Author: Jake Halpern Publisher: Macmillan + ORM ISBN: 0374711240 Category : True Crime Languages : en Pages : 193
Book Description
The Federal Trade Commission receives more complaints about rogue debt collecting than about any activity besides identity theft. Dramatically and entertainingly, Bad Paper reveals why. It tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed robber, who become partners and go in quest of "paper"—the uncollected debts that are sold off by banks for pennies on the dollar. As Aaron and Brandon learn, the world of consumer debt collection is an unregulated shadowland where operators often make unwarranted threats and even collect debts that are not theirs. Introducing an unforgettable cast of strivers and rogues, Jake Halpern chronicles their lives as they manage high-pressure call centers, hunt for paper in Las Vegas casinos, and meet in parked cars to sell the social security numbers and account information of unsuspecting consumers. He also tracks a "package" of debt that is stolen by unscrupulous collectors, leading to a dramatic showdown with guns in a Buffalo corner store. Along the way, he reveals the human cost of a system that compounds the troubles of hardworking Americans and permits banks to ignore their former customers. The result is a vital exposé that is also a bravura feat of storytelling.
Author: Michele Cagan Publisher: Simon and Schuster ISBN: 1507212674 Category : Business & Economics Languages : en Pages : 256
Book Description
Get out of debt and use credit wisely with this easy-to-understand, comprehensive guide to making your debt work for you. The key to borrowing, managing, and paying off debt is understanding what it is, how it works and how it can affect your finances and your life. Debt 101 is the easy-to-follow guide to discovering how to pay off the debt you have plus learning how to use debt to your advantage. Debt 101 allows you to take control of your money with strategies best suited for your personal financial situation—whether you are buying a home or paying off student loans. You will learn the ins and outs of borrowing in a simple, straightforward manner, managing student loans and credit card debt, improving your credit score, understanding interest rates, good debt vs. bad debt, and so much more. Finally, you can get ahead of the incoming bills and never let your debt intimidate you again!
Author: Kenny Golde Publisher: ISBN: 9781569804735 Category : Business & Economics Languages : en Pages : 0
Book Description
In The Do-It-Yourself Bailout, author Kenny Golde explains how he completely and legally eliminated $222,000 in credit card debt, without filing for bankruptcy or destroying his credit score. Golde provides a step-by-step handbook on all facets of how to initiate settlement negotiations with banks, how to handle collection agencies, how to separate your emotions from your debt, and much, much more.
Author: Dave Ramsey Publisher: Thomas Nelson ISBN: 1595555285 Category : Business & Economics Languages : en Pages : 266
Book Description
Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.
Author: Mr.Tobias Adrian Publisher: International Monetary Fund ISBN: 1498324908 Category : Business & Economics Languages : en Pages : 20
Book Description
This paper marks the launch of a new IMF series, Fintech Notes. Building on years of IMF staff work, it will explore pressing topics in the digital economy and be issued periodically. The series will carry work by IMF staff and will seek to provide insight into the intersection of technology and the global economy. The Rise of Digital Money analyses how technology companies are stepping up competition to large banks and credit card companies. Digital forms of money are increasingly in the wallets of consumers as well as in the minds of policymakers. Cash and bank deposits are battling with so-called e-money, electronically stored monetary value denominated in, and pegged to, a currency like the euro or the dollar. This paper identifies the benefits and risks and highlights regulatory issues that are likely to emerge with a broader adoption of stablecoins. The paper also highlights the risks associated with e-money: potential creation of new monopolies; threats to weaker currencies; concerns about consumer protection and financial stability; and the risk of fostering illegal activities, among others.
Author: Terry Savage Publisher: John Wiley & Sons ISBN: 1119645301 Category : Business & Economics Languages : en Pages : 404
Book Description
Smart strategies for taking control of your money from bestselling author and personal finance expert Terry Savage—the new, fully updated third edition. The Savage Truths on Money are time-tested, but new technologies and techniques make it easier and more profitable to make your money work for you! Now, financial success can be achieved simply and automatically through new apps, tools, and access to low-cost money management tools and advice. Living in financial security—not constantly worrying about education costs, medical bills, or having enough money saved for retirement—is within anyone’s reach. In this new edition of The Savage Truth on Money, author Terry Savage shares the time-tested truths of financial security, guides you on redirecting your finances, and helps you create a financial plan for your future—using all the resources of technology, the best people in the financial planning industry, and your own informed judgment. This must-have resource is a roadmap for navigating today’s economic reality on the way to your best possible financial future. This invaluable guide will help you: Take responsibility for your own financial future, using technology to improve your financial decision-making Control your spending and deal with debt, protect your assets, and grow your savings Learn the basic truths about money, markets, and human emotions—and how to use that knowledge to your advantage Find financial advisors you can trust—fiduciaries who will put your interests first, and save you money on costs Make a realistic plan for college without being buried in debt—and deal with existing student loans Create—and reach—retirement goals that allow you to enjoy your financial success Whether you're just starting out and unsure of your next steps, or you’re worried about how you'll manage your investments and plan your retirement, the third edition of The Savage Truth on Money is your one-stop guide for taking control of your finances today and reaping the benefits tomorrow.
Author: Mark Anthony Silverthorn Publisher: McClelland & Stewart ISBN: 0771080379 Category : Business & Economics Languages : en Pages : 314
Book Description
A practical guide for dealing with collection agencies and your debts, from Canada's top expert. At some point in life, many of us have trouble paying the bills. If you've ever been hounded by a collection agency, you know how intimidating and stressful the experience can be. But we have much more power than we think. In this eye-opening practical guide, industry insider Mark Silverthorn arms you with the information collection agencies don't want you to know. He shows how to turn the tables against them and regain control of your personal life and your finances, including: • how to stop, avoid, or discourage collection calls • why you might not even have to pay your debt • options to deal with your debts that might save you thousands of dollars • your legal rights and how to handle collection agency misconduct • the truth about credit counselling and debt settlement firms Before you take any action on your debt, you will want to read this book.
Author: Amanda Reaume Publisher: Sourcebooks, Inc. ISBN: 1623155355 Category : Business & Economics Languages : en Pages : 280
Book Description
When to make, save, borrow, or spend— the practical guide to managing your finances. Personal finance is not taught in school - and the process of learning how to manage your own finances can be fraught with painful missteps. In Money is Everything, Amanda Reaume, the author behind Millennial Personal Finance and host of the Millennial Personal Finance podcast, helps walk you through everything you need to learn to manage your financial life including the best ways to make it, spend it, borrow it, and save it. Money Is Everything is not your average personal finance book chock-full of the trite and tired same-old advice. Specifically written by and for Millennials, it will help you: Get the internships and jobs you want Understand and implement a financial plan (a.k.a. a budget!) Create a steady flow of side income Learn how to save money on small and big purchases (and get some free stuff) Take control of your credit score Turn the tables on banks and borrowers Become debt-free Learn from personal finance experts - not the hard way!
Author: Martha Maeda
Author: Martha Maeda
Author: Jake Halpern
Author: Michele Cagan
Author: Kenny Golde
Author: Dave Ramsey
Author: Mr.Tobias Adrian
Author: Terry Savage
Author: Mark Anthony Silverthorn
Author: Dave Ramsey
Author: Amanda Reaume