Product Description
Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money!

It's true! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That's because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don't know what to expect.

Scott Bilker, author of Talk Your Way Out of Credit Card Debt, and creator of DebtSmart.com, has spent 10+ years making banks compete for his business. Now, he's sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn't, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.:)

In this book you will discover proven negotiation strategies, and build your confidence, while learning how to: (1) get annual fees waived; (2) lower your current interest rates; (3) shop for the best credit card deals; (4) get late-payment, overlimit, and cash-advance fees waived; (5) compare loan options and calculate savings; (6) dispute charges and get all your refunds; (7) negotiate account settlements; and much more! ... Read more

Customer Reviews (25)

COMMON SENSE!
The book is okay. Basically just plain old common sense. The introduction and preface is all you really need to read to comprehend the value of the book.

It works, It really works!
This is my first review. But it was nice to find a self help book that actually helps. As the author says, it does take patience and persistence and (as with sales calls) not every call will succeed every time. However, the book does provide a blueprint anyone can follow.

First, I suggest doing the preparation work laid down in the book. This process will give you a roadmap to follow, the process will probably also open your eyes and gets you motivated to take action - tip: using Microsoft Excel helps.

Then, I found the phone calling scripts helpful in building confidence to make the calls and knowing just what to say. To my surprise, my first call went just as the book predicted and resulted in getting a 50% rate reduction. The experience was very empowering.

The book is an easy read and does not waste too much time telling why you are in trouble and why you need to get out of trouble. Instead, it gets you busy right away on the techniques you can use to take control of your debt.

These reviews are not true-- in my opinion
I am sick and tired of all this marketing tricks.It is very clear that most of the reviews written about this book are actually written by people marktng this book under different account names.It is very clear that these reviews are sales pitches for the book.

I have read enough real reviews of products, and get my own products reviewed by many customers.These reviews are fake- in my opinion.And this is a clear sign that this book, it's publishers, and author, are not honest people you should trust.

If you have any problems with what I wrote here, feel free to contact me.

Saved over $1500 by reading this book
Following certain chapters in this book, I was able to save my sister over $1500 in just a few hours.For anyone who is trying to raise their credit score, get a handle on their debt or better inform themselves about the world of credit.

Title is a little misleading
It's a good book but I think it should be called talk you way out of credit card fees.It did save me $48 on the annual fee on my credit card.I just had to ask and then politley threaten to close the account when they refused. They quickly agreen to refund the annual fee so it was worth the money just for that reason. ... Read more

Product Description

Leave Home Without It...

Membership has its privileges, but it also has a huge share of disadvantages. Without the proper know-how and guidance, you could find yourself buried beneath an avalanche of credit card debt. Millions of Americans are just like you and are currently attempting to pay off $450 billion to credit card companies. It's in a credit card company's best interest to keep you in debt-after all that's how they make their real money. Even by following their rules, you can quickly be put at a disadvantage. It seems as if there is no light at the end of the tunnel- that is, until now.

And All That Goes With It

Whether you are overwhelmed by credit card debt or trying to prevent it altogether, Credit Card Debt has the answers. The author's basic three-step program provides the information you need to reduce interest rates, eliminate fees, and negotiate with credit card companies to keep your credit report clean. Uniquely designed to help you organize, analyze and reduce your debt, this book helps you understand how credit card companies make their money, how credit cards work, and how to use them responsibly. ... Read more

Customer Reviews (16)

Sound Book with Helpful Tips
This is a good book, that can definitely help people struggling with credit card debt.

More good tips can also be found in videos on http://www.youtube.com/user/eltmaneltmancooper, at http://www.eltmanlaw.com and at http://www.myspace.com/eltmaneltmanandcooper and http://www.facebook.com/profile.php?id=1400491744&v=info&viewas=1400491744#/profile.php?id=1400491744&ref=profile.

Thanks!

Credit Card Debt book
If you are looking for a lot of good information, and plenty of options on how to help get out of debt this is the book for you.I bought three debt books from Amazon, and this was the best of them all.This book costs the least amount of the three books I purchased. You can refer to this book year after year for refresher ideas.

Every person who has a credit card should read this book!
I wish I had read this book 10 years ago.I really liked the way the author put forth, in plain language, what I could do to get out of credit card debt. Organization is key and so is reading the fine print on the back of your credit card statement.I thought that the charts in the book were a bit too complicated for my taste and that the simple notebook approach with a page for each credit card, worked better for me.

Freeloader
According to the author of Credit Card Debt, a freeloader is what credit card companies call the smart individuals who pay off their debt every month (they've gone to a less likable "deadbeat" since the printing of this book).

While the information is almost a decade old, there is still a wealth of knowledge in this book and most of the core principles are still valid.Daskaloff describes the credit card industry in terms of specific credit cards and accounts for specific people: those who pay their cards off every month; those who carry a balance; people who are very disciplined; etc., and this format is very helpful for the average consumer.The book is an easy ready, but one that is recommended for those who want to learn the basics on the industry that is shaping our culture.

All in all, it's a good book and is well worth the $7.

good information
All right, here is my review: I think this book is not bad at all. It gives some very useful information about credit cards and credit card issuers. It is always very useful to have this info in your mind, although some of them are really straightforward and clear. Sometimes you need to read it in someonewelse's words even you know it. By the way, if you really don't know how to organize your finances like writing down your balance and credit limit on a piece of paper, you should really read this book!

Ok, that was the good part about the book. What about the rest? Don't we all know how to try to get lower interest from issuer and high interest rate induces high interest on top of your balance in every billing cycle? We know what a transfer balance with promotional rate is etc. and how to use it in our advantage. If you don't, Read this book.

Do you know what is the magical trick behind all of this credit card debt reduction techniques! I'll tell you that. PAY YOUR BALANCES. From no book you cannot get any information about how to reduce your debt without paying money. So, don't spend much, but try to pay as much as you can. Booom, you reduce your credit card debt. That simple.

Last words, this book covers some useful info you might not have known at all. Maybe it should be called "credit cards for dummies". Aren't we all little bit dummy in this field? ... Read more

Product Description
Just because you are the one being pursued doesn't mean that you don't have a way to make the bill collectors have to do their own due diligence. Moreover there are ways to protect your assets from creditors and ways to clear debts without filing bankruptcy.If it does ultimately turn to that, there are things you should know about bankruptcy and this book delves into these facts as well. Answering the questions should I declare bankruptcy, when should I declare bankruptcy, what is the difference between chapter 7 and chapter 13, as well as your attorney's duties when filing these cases.While these may seem like things which are talked about ad nausea in the news and in other publications, The book breaks it down for you in way that is easy to understand and quick to follow on the fly. ... Read more

Customer Reviews (3)

A lifesaver for those in financial trouble
Impressive to say the least! This book is a must read for everyone. A lifesaver for those in serious debt it can also educate people to use credit more wisely. The book is straightforward and to the point and answers every question you might have or questions you might not think to ask. An asset for young adults trying to build credit and a must for those facing bankruptcy or trying to recover. I highly recommend this book for everyone!

A Book That Has Been Long Overdue
Ranked Number one on
"A Books To Believe In's Top 10 List"
"Top 10 Best "Credit Card Debt" Books"


What You Can Do To Conquer Your Credit And Debt Problems - First Edition
Michael W. Newman

"Dennis Fleming "Author": (New York, NY and St. Louis, MO)


Michael W. Newman has written a book for our times, never more relevant than today. The book is loaded with easy to understand basic information explaining not only how you can fall into debt and credit quicksand and how to get out of it, but how they work. There's plenty of insight into what's going on at the other end of the phone when you receive that dreaded "We will ruin your credit" call.

There are form letters examples of which are in the chapters and in the appendix. You can adapt them to keep creditors at bay until you can work out your strategy to grab that rope and pull yourself out of the financial muck you stepped into. There are forms to correct information in your credit report, communicate bankruptcy, voiding contracts, etc. Everything you need.

This is a good book to study and a good reference to have handy BEFORE you get into financial hell. I found only one piece of advise I would not recommend, but it's minor, a matter of personal choice, and isn't financially important.

The book i easy to read. Don't look for unnecessary jokes and filler. This book gets to the point fast and stays there. I would have liked to have this information some years ago when I was in credit card hell--11 credit cards with $65,000 of debt. I was just keeping my head above water and managed to pay it all off in full. It would have been so much easier had I the fortune to get my hands on Michael's book.

I give "What You Can Do To Conquer Your Credit And Debt Problems" a thumbs up."



"What You Can Do to Conquer Your Credit and Debt Problems by Michael W Newman
By Jesse Schmitt, published Nov 21, 2008
Published Content: 726Total Views: 143,072Favorited By: 17 CPs
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Drawn up in very big type and laid down, double-spaced, just so you don't mix it up, the book What You Can Do To CONQUER Your Credit and Debt Problems is as much a personal atonement as it is a guide for you, the debt-saddled consumer. Mr. Newman offers his own "golden survival tips;" as well as a host of other useful information for the consumer who can't seem to get out of debt.

Recognition is one of the biggest hindrances to getting to the root of the problem and this is another thing that Mr. Newman addresses right from the get-go. If people can't admit that there is something wrong then there is no way to fix the problem. Also Mr. Newman sets about setting things up in a realistic and logical manner. He has a section on setting up a plan of action, creating attainable goals, following your plan into attack and meeting those goals and moving on.

And that's just in the first chapter! He goes on to talk about things every consumer needs to know about creditors and bill collectors including the two types of creditors and the three types of bill collectors, ways to handle calls you may be getting from them, things you should and should not say to them when dealing with them, and stopping their calls altogether.

Another thing Mr. Newman stresses is the fact that people are able to turn the tables on their bill collectors; just because you are the one being pursued doesn't mean that you don't have a way to make the bill collectors have to do their own due diligence. Moreover there are way to protect your assets from creditors and ways to clear debts without filing bankruptcy.

If it does ultimately turn to that, there are things you should know about bankruptcy and Mr. Newman delves into these facts as well. Answering the questions should I declare bankruptcy, when should I declare bankruptcy, what is the difference between chapter 7 and chapter 13, as well as your attorney's duties when filing these cases.


While these may seem like things which are talked about ad nausea in the news and in other publications, Michael Newman breaks it down for you in way that is easy to understand and quick to follow on the fly. While you want to be able to do so, it may be tougher than you think alone; for this reason What You Can Do To CONQUER Your Credit and Debt Problems is essential reading for anyone plagued by the system."

timely 2008
This book is timely.The level of consumer debt in the United States is reaching dangerous levels.More and more people are finding themselves over-extended and over burdened with debt payments.What can they do?Many are having trouble just making their minimum payments.This book, by Mr. Newman can help many of those people.He offers great advice and examples of how to respond to creditors in an effective manner.
Everyone facing mounting debt problems should read this book.
... Read more

Product Description
Everything you need to get out of debt and repair your credit.

Feeling overwhelmed by your debts? If you're ready to regain your financial freedom, this book is exactly what you need! Step by step, Solve Your Money Troubles shows you how to:

Product Description
Want to take control of your finances once and for all? Managing Your Money All-in-One For Dummies combines expert money management with personal finance tips. From credit cards and insurance to taxes, investing, retirement, and more, seven mini-books show you how to improve your relationship with money — no matter your age or stage of life.

This easy-to-understand guide shows you how to assess your financial situation, calculate debt, prepare a budget, trim spending, boost your income, and improve your credit score. You’ll find ways to run a money-smart household, reduce waste, and cut medical and transportation expenses as you tackle your debt head-on and develop good saving habits. You’ll even get help choosing the right mortgage and avoiding foreclosure, saving for college or retirement, and determining your home-, car-, and life insurance needs. Discover how to:

• Take charge of your finances
• Manage home and personal finances
• Lower your taxes and avoid tax audits
• Plan a budget and scale back on expenses
• Deal with debt and negotiate with creditors
• Save and invest safely for college or retirement
• Protect your money and assets from fraud and identity theft
• Ensure a comfortable retirement
• Plan your estate and safeguard a will or trust

Managing Your Money All-in-One For Dummies brings you seven great books for the price of one. Can you think of a better way to start managing your money wisely? ... Read more

Customer Reviews (6)

Managing your money for dummies
Full of good information for managing your money well.However, the book is more written for those who have been messing up their finances for a long time, and need help getting out of trouble and into good money management instead of for those who are just looking to get organized, say the young professional that just started making a legitimate salary.

Managing Your Money for Dummies - Must Have!
This book is exactly what I was looking for. I really like that this is a collection of 7 books, covering a number of topics. I needed a guide to help me with my personal finances- how to save, how to spend, and managing a personal budget. There is a lot of other great advice in here, including tips of managing your credit, determining how to save for the things you want and need, and how you can have a better relationship with money, creating a positive experience in money management as opposed to the stress many people feel when they manage their finances. I think this book is a must have!

Comprehensive!
Big book full of sound financial advise. Oh, to be disciplined enough to follow it.

Maybe good for dummies?
I bought this book to help educate my significant other about the world of money and where they are going. After I cracked it open on a few different chapters, I realized that this book is pretty high level overview and restates common sense. It has very little detailed info on any of the topics and it reads almost as a 700 pages long "would be nice todo list" with almost no "how-to manual".
You may use it as a reference which forces you to go online and research a topic there in more detail, but then what is the point of the 700 page book?

Added chapters about doing things like banking, financial planning etc online is another mentioning of what normal people already know, and probably wont help you much unless you lived in a cave for the past 15 years and completely missed out on the internet phenomenon.

I will return this book and look for something better on the topic.

Get the biggest bang for your buck by purchasing this book
"Managing Your Money All-In-One For Dummies" is a compilation of the works of eleven authors. For example, Kathleen Sindell, Ph.D. has rewritten and updated five chapters from "Managing Your Money Online For Dummies" for inclusion in "Managing Your Money All-In-One for Dummies". These chapters include:

Using the Internet to Help Manage Your Finances
Working With an Online Broker
Online Banking
Online Retirement Planning
Estate Planning Online

To sum it up, "Managing Your Money All-In-One For Dummies" is perfect for someone who wants to get control of their personal finances. ... Read more

Product Description
Provides a comprehensive analysis of securities offered for sale by municipalities, states, and the federal government;examining various methods of debt management used in the US.Handbook of Debt Management coverscurrent laws regarding municipal bondsthe economic choice between debt and taxes and thetax-exempt status of municipal bond ownerscapital budgeting, including state and local government practicesdeveloping governmental and intergovernmental debt policiespay-as-you-go with debt financing for capital projectsUS Internal Revenue Service regulations on arbitrage instate and local government debt proceeds investmentUS treasury auctionsand more.An important reference tool for security industry professionals seeking licenses through the Municipal Securities Rulemaking Board Principal Qualification Examination, the Municipal Securities Representative Qualification Examination, or the General Securities Registered Representative Examination. ... Read more

Product Description
The ABC's of Getting Out of Debt illustrates how to: * Beat the Lenders at Their Own Game * Understand Your Credit Report * Repair Your Own Credit * Master the Psychology of Debt * Deal with Debt Collectors * Avoid Credit Scams * Win with Good Debt * Take Charge of Your Finances Garrett's book reveals how each piece of real estate you own is a business involving all sections of Rich Dad's B-I Triangle. The B-I Triangle is from Rich Dad's Guide to Investing. Look for other Advisors to complete the B-I Triangle. ... Read more

Customer Reviews (11)

I learned a lot from this book.
I've heard this advise before, but we have to keep hearing it to do it.The book has solid advise about "Snowballing" credit card debt and what an asset or liability really is.For the first time I finally got what "Cashflow" means

The ABC's of Getting Out of Debt
I purchased this book to find out how I might repair my credit and ended up learning so much more.The book gives you the inside scoop so that you have an edge when working with lenders and debt collectors.This book empowered me to take charge of my personal finances and, for the first time, I feel like I will be able to get out of the credit hole I'm in.

I purchased this book some time ago and never even cracked it open until I saw it in in the movie "Wanted" with Angelina Jolie.I guess it was a sign to crack the book and start working on my credit issues.I'm so thankful for the reminder - the book is outstanding.

Works for e
This was a great deal. The book was in great condition and the price was sooo much better than going to the store. This was my first time using Amazon and I think I'll try it again.

ABC'S OF GETTINGOUT OF DEBT
IM STILL READING THE BOOK AND ITS GOT GREAT INSIGHT AND COMMON SENSE THAT WE ALL FORGET ABOUT .IRECIEVED THE BOOK QUICKLY ALSO

GET YOUR LIFE ON TRACK
Robert Kiyosaki and his team of writers have a unique way of teaching without preaching. All of his books have been inspirational, motivating guides that have helped me to increase my financial literacy. Any book that has his name attached to it, I will buy. ... Read more

Product Description
The most demanded information from DebtSmart®! How tostop the banks from taking advantage of you, get the best lendingdeals, get financially organized, pick the right mortgage, make moremoney, finance your next car, personal stories, Q&A, and much more!Scott Bilker, author of "How to be more Credit Card and DebtSmart," is also the creator of DebtSmart.com and the author of thebest-selling book, "Credit Card and Debt Management." ... Read more

Customer Reviews (3)

Educational
Very good - makes you consider you credit card selections when signing up for one.Give you pro and cons.Assures you that credit cards can be good if used appropriately.

Excellent book!Gotta love this guy!
What a valuable book.Read it cover-to-cover yesterday morning -- called my credit card companies in the afternoon and trust me -- I saved far more than the cost of the book ... including shipping!This book should be required reading for anyone who has credit debt.In fact, I think it should be added to all high school and college curriculums.Excellent purchase plus turned me on to the companion website ...

Taking the stress out of learning about credit!
"I have enjoyed reading it! What I like about "How to be more Credit Card and Debt Smart" is the way it is written is like having a conversation with a friend. Picture it like this, instead of two people but a person and the book sitting at a table with a nice warm mug of Starbucks (that I brewed of
course) and learning about credit issues in a relaxing and easy to remember format."
--Susie Marion ... Read more

Product Description
This simple,easy to read book shares mortgage banker D.J. Williams formulas for securing or restoring good credit, getting out of debt and gives all the reasons why good credit and low debt is a must in today's society.With this remarkable consumer self-help guide, you'll learn:

The basics of understanding the system including how to read your credit report, scoring, and knowing your rights.

How to establish a good credit rating and restore a poor one.

Your rights when dealing with collection agencies and credit repair organizations.

Methods of getting out of debt and strategies for debt reduction.

How to survive the home loan process-stress free.

How to control your financial destiny in 15 easy-to-read chapters.

Good credit is a necessity rather than an option.Here you'll discover proven ways to achieve financial security and freedom.You can attain, maintain, and retain good credit. Buy an extra copy for someone you know who is just starting out, considering bankruptcy, or in bondage from too much debt. ... Read more

Customer Reviews (3)

Very broad and basic review of how credit works
Provides very little detail.Overly simplistic.

Good Credit is Your Most Valuable Asset
In this day and age when every industry from banking to insurance to employers are looking at our credit reports, good credit is not an option it's a must. "The Secrets to Good Credit and Debt Reduction A Consumer Self Help Guide," is a practical self directed guide written in layman's terms to help you achieve good credit. With 15 easy-to-read chapters, you can pick up this book and start with any chapter. If you have good credit and too much debt go directly to the section" Get Out of Debt." Bad credit then set off for "How to Repair Your Credit." Problems with collection companies? Go to "Collection Agencies." Thinking about using a credit repair company" Go to "Credit Repair Companies." As a bonus the book contains sample letters for correspondence with credit bureaus, creditors and debt collectors. Expect to learn how credit and debt affects your choices and overall attitudes, why estalishing good credit is paramount and what new habits are key to accomplishing this goal.

Full of great tips and information!
This book is full of great tips and ideas that helped me understand just what my credit report was saying. There were a few items on there that scared me because they weren't my debts. I followed the instructions in D.J.'s book and got it cleared up at all three credit bureaus within a few weeks. Just in time for us to get our home loan finally approved so we could buy our first home.

It's easy to read and to understand. None of that jargon and special code words that our loan officer used when we applied for our home loan. Definitely a good buy if you're having credit problems or need help with money management. ... Read more

Product Description
The true story of an ordinary middle-class married couple buried in over $94,000 in credit card debt who face debt collection, learn to defend themselves in court without hiring a lawyer, and force a major bank's collection attorney to dismiss its case against them. They avoid bankruptcy and they prevent collection. Every pleading (of both Plaintiff and Defendant) filed in this case is reproduced in its entirety - only the case number and names have been changed to protect the couple's privacy. What these people learned about the banking system would change their lives forever. NEW, UPDATED EDITION!!! Includes additional information about dealing with unscrupulous debt collectors -- their deceptive tactics, annoying phone calls, and various enticements designed to lure you into making yourself vulnerable to lawsuits; ALSO how the Statute of Limitations in your State can protect you from lawsuits and judgments. ... Read more

Customer Reviews (6)

Interesting and homorous but little practical help other than look at complex procedures
The book was very interesting and good info but has limited value other than procedural for current cases it seems because:

1) Other than the procedural issues, the couple's main point in their motions was the Arbitration Award in 2004 from "ADS" Alternative Debt services against FunniBank (South Dakota).How are we to find such a debtor friendly arbitration company? Little is said about the arbitration other than they got nice official looking Award Certificates in the mail.

There are various reports that FunniBank was Citibank and ADS was the National Arbitration Council.

The US District Court for the Middle District of Florida issued a decision in Citibank v. National Arbitration Council finding that the NAC had tortuously interfered and violated unfair trade practice act.

Florida Federal Court Finds National Arbitration Council is a "Mailbox Arbitration" Sham - A Florida federal court has joined a number of other courts around the U.S. which have ruled that the National Arbitration Council (NAC) operates a rogue arbitration "service" for credit cardholders to try and extinguish debt through an unauthorized arbitration process. Case No.3:04-cv-1076-J-32MCR CitiBank (South Dakota) and Chase vs National Arbitration Council Inc. They seemed to have ceased business in 2006.

2) The author Heidi Guedel has a supposed post on Sui bragging how she has hidden herself from being served from 5 more creditors in quite a scheme where she has no traceable address, utilities in someone else's name etc.If legitimate seems she isn't willing to take up the fight again but instead hide from it.

3) There is a public record from Marion County FL that on 2/4/2008 there was a default judgment entered against a Garofalo Heidi Guedel with a DOB of 1948 by Capital One Bank.Case Number: 42-2006-CC-000311-AXXX-XX

4) The motions etc have good support but of course they are all FL cases. If not in FL have to search for days to find cases to cite in our State.I realize no real solution to this, not the fault of the author since they had to use FL cases in FL.But lots of the legal jargon was not lay friendly (not suppose to be in a brief or motion). It may leave some readers perhaps a bit overwhelmed and may feel more in need of a lawyer to figure out how would argue in another state. And of course without their arbitration award by it seems a mail order award company.

Assuming this is the same person (reportedly also using other names and also now licensed in real estate in FL, one wonders why she now hides and gets default judgments against her if her methods are so useful for others that buy her book.

She has been attacked for the her vapor money defense which while humorous is a bit far out. That was not used in the successful defense by the couple in the book.BUT, the arbitration award defense was primary but of little practical use today without the sham mail order get your award type arbitration being available.

Well worth it
I read the first edition of this book and am in complete awe of it's author.
How she managed to do all this is really an amazing story in and of itself.
The other information in the book is important and valuable, and well worth owning.
Had not heard about the follow up info, mentioned in another review. Not surprised, however.
Ms Guedel, law school beckons!

I was disappointed.It is not a how-to for avoiding bankruptcy!
I bought this book thinking I was going to learn how to avoid bankruptcy. I was sorely disappointed.The book is about how the author avoided it -- which, granted, she says in her youtube video. I incorrectly assumed it may also tell me how to do it.Far from it, in fact.It oddly enough does not go into great detail about how she avoided bankruptcy.Only the general idea is there.And the author seemed to imply that the technique she used to avoid bankruptcy 5 years ago may no longer be a valid approach today. Half of this book is about the author's combat with a creditor suing her.So half the book contains nothing but the legalese it took for her to defeat them.The story was somewhat interesting, and the legalese could be useful for someone defending themselves, like she did -- but it may have to be the same circumstances.But it is not the reason I bought the book.I did not learn how to avoid bankruptcy. So buyer beware.

NEW, UPDATED SECOND EDITION IN 6X9"
I have just read this Second Edition after reading the First Edition(which I reviewed), and it is now a comfortably larger book than the First Edition (6x9" rather than pocket book size) which makes it easier to read... the print is larger too.It costs a couple of dollars more, but it also includes an important new chapter.

This is the same detailed, blow-by-blow account of a real-life couple's SUCCESSFUL defense against a bank's collections attorney without using a lawyer, including every legal pleading that was filed in this case by both Plaintiff and Defendant... but it NOW includes a present-day follow-up concerning surprising continued collection attempts.

The new final chapter details the manipulative and unscrupulous tactics that numerous debt collectors have been attempting to use on these people, even though one of these collectors was already defeated in court... and even after all of the alleged credit card accounts have already expired beyond their State's Statute of Limitations.

The law doesn't seem to matter to these bottom-feeding debt collection sharks. They will continue to prey upon people who don't understand what legal protections they have available.They will try to deceive, manipulate, and offer false reassurances about repairing your credit report and/or absolving you of your debt ... when in actual fact you will most likely face increased income taxes AND lose your legal protection against ongoing lawsuits under your State's Statute of Limitations.

This latest edition provides first-hand information about numerous experiences following the couple's defeat of the first round of debt collectors.This will help readers understand what to expect in the years following a successful defense against collections.

I highly recommend this new Second Edition.

A Rousing War Story -- Hail the Conquering Heroes!!!!!!!!!!!!
As a long standing fan of Heidi Guedel's career as an animator and author of her own entertaining autobiography, I occasionally Google her just to see if she's come up with anything new... and VOILA!!!!!I find THIS little GEM.

According to some recent threads on quatloos! dot com, Heidi has used pseudonyms to thinly veil her own fight against credit card collection, and this book is really about her and her husband.

Although that IS an interesting controversy, ESPECIALLY given the author's feisty history of debate on the Internet forums, the real interest value lies in this book's detailed blow-by-blow description of what it is really like to be sued in District Court (NOT small claims court... a lot of money was at stake here) by a major credit card company, daring to fight back by learning how to represent themselves in court and WINNING.

Not only does she print the entire series of legal docs that make up the case file, but she also recommends and describes the how-to-represent-yourself-in-court website that provided the most valuable tutorials.She also busts the rip-off Debt Elimination company that was originally founded by a self-proclaimed debt elimination guru.

If you need to get out of debt, you need to read this book.FIRST, it will warn you about the sharks that are out there waiting to scam you out of your last few dollars on your over-limit credit cards, and it will THEN show you how two normal, middle-class people from Main Street beat the Wall Street bankers' collection attorney and made him dismiss his case against them.
[...] ... Read more

Product Description
Introduces debt, credit cards, bankruptcy, and related money matters. ... Read more

Product Description
Does every financial transaction you make always seem to end up costing you more than you originally anticipated?Are you tired of greedy corporations taking your hard-earned cash by using unfair business practices?If you are too busy or even just too tired to read the small print of every document you sign but hate being duped into buying things you don’t need and paying too much for the goods and services you do then this book is for you.This book is short, to the point and focuses on the industries affecting most people every day.Read on to learn the most common revenue generating tricks corporations use, how to avoid them and where to complain if you do get caught out.Stop being a victim of corporate greed.Become an educated consumer and fight back!Learn how to make smarter financial decisions and keep more of your money for the fun things in life! ... Read more

Product Description
You're not alone in your struggle with crushing debt, and bankruptcy is not your only option. Drop Debt presents a way to start building a new, durable financial future.

As the former president of the National Consumer Council, author Harvey Z. Warren has helped thousands of families find relief from crippling debt. This book offers a continuation of his work, aimed at rescuing the millions of potential readers who are teetering on the edge of bankruptcy. This no-holds-barred examination of the American debt crisis reveals the inner workings of the personal debt industry, while presenting lessons and action plans for readers who want to reclaim a debt-free life. Readers will find relief in understanding that they are not alone in struggling with their financial problems.

With powerful first-person testimonies, well-researched background material, and a conversational yet authoritative tone, the book provides readers with the confidence and the skills they need to overcome the shame of debt, take control of their finances, and live a comfortable life well in the black. ... Read more

Customer Reviews (1)

Drop Debt without Dropping Dead
With all of the self-doubt and guilt that comes with finding yourself drowning in debt, it is refreshing to have a book that gives real, straight-forward information about how to recover from overwhelming debt.

Harvey Z. Warren has been there.He teaches debt recovery without the finger-wagging shame that comes with advise from well-meaning family, friends and TV gurus who want to teach you the error of your ways.Warren gives insight into how credit companies lure us in, then trap us in the credit card debt cycle and simple tools to break the deadly hold it has on debtors lives.I found that while these tools are simple, the process is not always easy, but once you are on the road to financial fitness, you feel the positive effects in all areas of your life.I wish I had Drop Debt: Surviving Credit Card Hell Without Bankruptcy years ago when I was crushed by debt. ... Read more

Product Description
You can deal with credit card debt, you can knock it down and you can control your credit card costs according to the author of The Quick & Dirty Guide To Beating Credit Card Debt

Written by nationally-syndicated columnist Peter G. Miller, this guide looks at such issues as credit cards and how much we owe, members of the monopoly, hidden fees, credit card reform, 12 ways to beat the credit card companies, debit cards, swipe fees, banks versus credit unions, reward programs, debt elimination schemes, bankruptcy, profits and more. ... Read more

Product Description
It's easy to get a credit card-which means it's just as easy to rack up a ton of debt. But paying off these debts doesn't have to begin with a trip to the credit counselor. There are plenty of ways in which someone can lessen their debt on their own-they just need to learn how to break the vicious credit cycle. fastread Getting Out of Debt teaches just that.

If you're tired of living from paycheck to paycheck, fastread Getting Out of Debt is the book for you. It shows:

The importance of creating and maintaining a budget

Ways to acquire additional income

How to keep credit card debt manageable

How to obtain, read, and understand a credit report

Most importantly, once that debt-free milestone is achieved, it shows how to avoid accruing debt again. Start paving the way toward financial security with the help of fastread Getting Out of Debt. ... Read more