Annotatie

An updated guide to personal finance for readers at all economic levels discusses a wide variety of credit and debt issues, identifies warning signs of financial trouble, offers helpful keys to permanent freedom from money woes, and explains how to make and follow a budget. Original.

Flaptekst

With up-to-the-minute information . . . And an all-new preface by the author! Out of the red . . . - Do this month's bills pile up before you've 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 of your revolving charge accounts keep rising? Into the black . . . Whether you are currently in debt or fear you're falling into debt, you are not alone. Sixty 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 success of the Debtors Anonymous program.