Popular Personal Finance Blogger Gives the Secret to Lasting Financial Health

Countless free budget plans are available for every possible income level and stage of life. So why do more than 60 percent of U.S. households still live paycheck to paycheck? The key to financial stability and success isn’t just about money–it’s about attitudes.

Rocha uses the lessons she learned overcoming personal debt to teach readers how to triumph over the lies we tell ourselves, such as “I deserve a treat,” “Fake it till you make it,” and “I can’t afford it.” Each chapter uses real-life examples to explain faulty thinking about money, followed by step-by-step instructions for how to overcome these pitfalls. Budgets are helpful, but real change won’t happen without a financial attitude adjustment.

Current debates about economic crises typically focus on the role that public debt and debt-fueled public spending play in economic growth. This illuminating and provocative work shows that it is the rapid expansion of private rather than public debt that constrains growth and sparks economic calamities like the financial crisis of 2008.

Relying on the findings of a team of economists, credit expert Richard Vague argues that the Great Depression of the 1930s, the economic collapse of the past decade, and many other sharp downturns around the world were all preceded by a spike in privately held debt. Vague presents an algorithm for predicting crises and argues that China may soon face disaster. Since American debt levels have not declined significantly since 2008, Vague believes that economic growth in the United States will suffer unless banks embrace a policy of debt restructuring.

All informed citizens, but especially those interested in economic policy and history, will want to contend with Vague’s distressing arguments and evidence.

A POWERFUL GUIDE ON TO HOW TO GET RID OF YOUR DEBT AND AVOID BANKRUPTCY

***Updated October 2013 to include the new HUD change on getting a FHA loan***

Learn How to Get Rid of Your Credit Card and Other Debt by Yourself

Are you drowning in a sea of debt because of job loss, a divorce or separation, a disability or medical problem?

Whatever your circumstances or financial hardship, Attorney Jim Arnold has many years of debt settlement experience and he will show you exactly how to get rid of your debt and avoid bankruptcy using proven debt settlement techniques. He has a track record over many years of settling several million dollars in debt for individuals and businesses while at the same time teaching people how to do it themselves.

This short and power packed book will give you a roadmap and step by step instructions on how to get out of debt without having to declare bankruptcy.

This Book Provides You with Forms, Telephone Scripts, Letters, and Settlement Agreements to Use With Your Creditors

You will be guided through the process of how to get rid of your debt and you will be given the specific instructions as to what to say on the telephone to your creditors, bill collectors and collection agencies. After you settle the debt, Mr. Arnold then gives you the letters and settlement agreements to send to your creditors along with advice as to what to write on the check.

Have You Heard About Debt Settlement and Debt Negotiation Companies but Are Not Sure Whether You should Use them and Pay Them a Fee?

Financial authors Dave Ramsey and Suze Orman and the Federal Trade Commission recommend that you negotiate directly with your credit card companies and other creditors to settle your debt and to not use a debt settlement company. The FTC and many state attorney generals have brought law suits against debt settlement companies. This book tells you exactly how to do it yourself.

How does bankruptcy work?

You will learn:

The difference between a Chapter 7 and Chapter 13 bankruptcy and what they typically cost.The top 5 reasons why people go bankrupt.Why you should not undertake to do a bankruptcy by yourself without an experienced bankruptcy lawyer.How to locate a bankruptcy lawyer in your area and learn what qualities to look for in a bankruptcy lawyer.

The goal of this book is to teach you how to settle and reduce your own debts to avoid bankruptcy. However, should you consider declaring bankruptcy this book will also teach you what you need to know.

Here are some of the Debt Settlement Secrets that you will learn:

What are Debts? Secured versus Unsecured Debts?What Debts Are Worth Settling?Why would a Creditor or Credit Card Company want to take a lesser amount than what is owed?What is the Best Way to Get Rid of Debt While Avoiding Bankruptcy?What should be said on the Telephone to Your Creditors or the Collection Agency?What Objections are You Likely to Hear from the Creditor, and How Should You Respond?What is a Restrictive Endorsement and when is it Not Recommended to put it on the Back of Your Personal Check?What Happens to Your Credit After Settlement?What is the Recent Study which found that Worrying about your Debt Lowers your IQ?What is the New August 2013 U.S. Department of Housing & Urban Development Policy on Getting a New FHA Loan a Year after a Foreclosure?

…and more

Don’t miss out on this incredibly valuable, concise guide on how to get out of debt. Find out the debt settlement secrets that will help you get rid of your debt while avoiding bankruptcy to help you get back on your financial feet. Your investment in this book is less than a large latte at Starbucks yet it can save you thousands of dollars if you buy it now.

A comprehensive look at the enormous growth and evolution of distressed debt, corporate bankruptcy, and credit risk default

This Third Edition of the most authoritative finance book on the topic updates and expands its discussion of corporate distress and bankruptcy, as well as the related markets dealing with high-yield and distressed debt, and offers state-of-the-art analysis and research on the costs of bankruptcy, credit default prediction, the post-emergence period performance of bankrupt firms, and more.

Give your business a successful credit and collections plan with this easy and clear guide

Over 100,000 businesses have slow or non-paying customers. Yet very few actually have a workable plan for claiming the missing revenue that results. This book gives you a complete solution and tool set to ensure your business maximizes its collections while maintaining an effective, profitable credit plan.

You’ll discover how to set up an efficient in-house credit policy that not only lets you collect more debts, but also boost sales, increase cash flow, and grow profits. Step-by-step credit management instructions show you how to weed out bad-paying customers, add more good-paying customers, collect on past-due balances, avoid bad debt, and limit credit risk.Contains all needed forms to set up and implement an effective credit policyAuthor is a popular columnist for several newspapers and national magazines, and appears regularly in the media as a go-to authority on debt

Get Paid enables you to decide what matters most to your business when it comes to billing, payment terms, pricing, cash flow, and more, then set up the systems to meet these goals and increase profitability.