Debt Review protects your critical assets legally with a court order.

Communication strategies, financial crisis management, negotiation techniques, and litigation and bankruptcy tactics told through the stories of a loan workout and financial restructuring consultant. How do you protect yourself, or your clients, or your family and friends from aggressive creditors, lawsuits, and bureaucracy? When do you need protection from the advice of your own advisors and friends? Debt & Circuses is a true story of seven years of loan workouts, lawsuits, and bankruptcies during the Great Recession (2009-2015) and beyond. Debt & Circuses explains real-world negotiation strategy and courtroom tactics through the true stories of finance and accounting advisors, lawyers, and courageous entrepreneurs who followed the counter-intuitive, asymmetrical, and risky advice of a few creative consultants. Debt & Circuses demonstrates, through first-hand experiences, effective methods of: Preparing the mind (and your assets) for conflict. Coping with emotional pressure tactics. Responding to unreasonable demands constructively. Understanding why victory or defeat in court can be irrelevant. Preventing the two things that produce an unfavorable outcome. Negotiating with inferior bargaining power. Going on offense against an opponent with unlimited resources. Capitalizing on bureaucratic failures. Avoiding the big mistake made by all companies in financial distress. Clay Westbrook is an attorney and consultant who spent six years involved with over 100 loan workout cases, dozens of lawsuits and business bankruptcies, and $100s of millions of bad debts. He advises clients on business breakups, litigation and bankruptcy strategy, and negotiating with taxing authorities and governmental entities. He saw many spectacular wins in unlikely circumstances, learned valuable lessons from a few disappointing losses, and drew inspiration to tell the story from one woman’s experiences with debt collectors that destroyed her family and her future. “‘The mortgage company told us that we weren’t allowed to file for bankruptcy. They said it wasn’t an option,’ Maria explained. She didn’t realize what this meant. The mortgage company didn’t just lie to them; they violated state and federal laws in doing so. We might have had a case, or at least an issue to run with, which is usually enough. But it was too late.” The consultants quickly learn that to save their clients, they have to forget about “doing the right thing,”forget about the legal merits of the case, and forget about logic. The solutions come from psychology and math, human nature, and realizing neither side understands (nor cares) what the other side is saying. “After witnessing it firsthand many times, accomplishing the impossible takes specific knowledge, character, and action. As simple as it sounds, you rarely see all three when the cards are down. If they don’t have all three, they lose.” Achieving success against long odds is more than “when to stop paying,” or “if the bank files a lawsuit,cut your settlement offer,” or remembering to stash the Ferrari at a covered garage in Reno if the bank gets a judgment. Debt & Circuses shows: How to know and have the confidence to trust your instincts under pressure. How human nature affects the strategies and results conflicts are never “just business” and are always personal. Ways to identify and avoid traps lawyers, advisors, and others miss. The one principle that explains the entire process. Through the experiences of business owners and advisors, and the entertaining, if not ridiculous,stranger-than- fiction situations in which these people found themselves, Debt & Circuses provides essential knowledge and skills for surviving financial distress, and serving clients whose future depends upon your advice. “You are not alone. Don’t be frightened, and don’t feel hopeless. We will never, ever give up.”

Are your finances starting to mount? Struggling with debt? Get real life advice from consumer bankruptcy attorney Lorena Saedi, founder of a top consumer bankruptcy law firm firm and featured radio and TV consumer law and bankruptcy expert. Lorena has met with thousands of people facing almost every type of debt issue. Although some need to file for bankruptcy protection, Lorena is able to help many clients avoid bankruptcy and set-up a financial restructure plan. People struggling with debt have fewer options today because of the state of the economy: loan modifications are a disaster or unavailable for many and creditors are taking more aggressive action against consumers than in the past. You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Lorena Saedi’s “At the Debt Crossroads: Protecting Yourself From Creditors” is that guide. Lorena reveals why most “conventional wisdom” about debt and repayment of debt is just completely wrong. Whether you’ve lost a job, recently become ill, or going through a divorce, having creditor’s constant bombardment can become debilitating and wreak havoc with your ability to make good decisions. This is not a book about managing your money. There are already many great resources out there, and that’s what financial professionals are for. This book addresses what you need to do before you take any action at protecting yourself or resolving your debt with your creditors. You’ll learn: – Questions you need to ask prior to making any major decisions and meeting with professionals – What to expect through different stages of delinquency – Things you need to know ahead of time if you decide to file bankruptcy – Current options you have regarding student loan and tax repayment – Facts and time frames you need to be aware of if you do need to file for bankruptcy protection – How making the wrong decision can snowball into a financial nightmare – How waiting too long will give you less options Dealing with debt issues is never easy but this guide will give you the financial knowledge to make the best decision to rebuild your financial life.