Credit Card Debt how to pay off SUPER FAST <br />http://blingforhome.com/gifts/CreditC... <br /> <br />I bought "The Complete Debt Relief Manual" for my e-reader. It contains excellent advice. If you're in a financial jam, aren't sure where to turn, trust me this book will lead you through the difficult steps. It'll save you the frustration of seeking help from folks who promise you help but do nothing. They only take your money. Follow the author's advice. It made him debt free! It's working for me. It'll work for you. <br />- Arthur in Los Angeles <br />" <br />I read the book...it's what we're talking about right now in our financial management class. It's just good, practical, advice.You can share your own personal mistakes and lessons, like we do with our children, and hopefully they will listen and not make the same mistakes. This should really help people. Hopefully they can get it before they get taken in by a debt relief company. <br />- Pastor Daryl in West Palm Beach <br /> <br />Chapter 1 - The Problem: Slavery to Debt <br /> <br />Types of Debt <br />Good News - you can get out of debt and stay out <br />Chapter 2 - The Secrets <br /> <br />Credit Card Company Secrets <br />Debt Settlement Company Secrets <br />Collection Agency Secrets <br />IRS Secrets <br />Debt Collection Attorney Secrets <br />Chapter 3 - Which Debt Elimination Strategy Should You Use? <br /> <br />Making Minimum Payments <br />Consolidation <br />Roll up <br />Settlement <br />Bankruptcy <br />Endless Collections and Lawsuits <br />Debt Elimination Strategy Decision Tool <br />Chapter 4 - The Almighty Budget <br /> <br />Discretionary spending <br />Saving an Emergency Fund <br />Chapter 5 - How to Create a Budget <br /> <br />Example Budget Spreadsheet <br />Chapter 6 - How to Cut Up Your Credit Cards <br /> <br />Chapter 7 - How to Eliminate Debt by Roll Up <br /> <br />Chapter 8 - How to Eliminate Debt by Settlement <br /> <br />Example Settlement Offer From Creditor <br />Example Letter for Settlement Offer <br />Example Letter for Countering a Creditor's Settlement Offer <br />Example Letter for Acceptance of Settlement (conditional) <br />Example Letter for Acceptance of Settlement <br />Chapter 9 - How I Eliminated My Debt by Bankruptcy (without an attorney) <br /> <br />Chapter 10 - How to Eliminate IRS Debt <br /> <br />Options for Repaying the IRS <br />Chapter 11 - How to Deal with Creditors and Collection Agencies <br /> <br />Example Cease and Desist Letter <br />Example Cease and Desist AND Debt Validation Letter to Collection Agency <br />Example Debt Validation Letter to Collection Agency <br />Chapter 12 - How I Dealt with a Creditor Lawsuit (without an Attorney) <br /> <br />Copy of Letter Threatening a Lawsuit (1 page) <br />Copy of Lawsuit Filed Against Me (4 pages) <br />Here is Roughly How I Would Answer Today <br />Copy of Chase's Reply to My Bogus (original) Affirmative Defenses <br />Statute of Limitations by State (years) <br />Chapter 13 - How to Repair Your Credit Report <br /> <br />Example Letter to Collector to Remove Inquiries <br />Example Letter to Credit Bureau to Remove Inquiries <br />Example Letter to Credit Bureau (or Collector) to Request Correction to Credit Report <br />Chapter 14 - How to Rebuild Your Credit <br /> <br />Chapter 15 - To Your Freedom (Staying out of Debt) <br /> <br />Chapter 16 - The Checklists
