Out of the red…
Do this month’s bills pile up before you’re 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 on your revolving charge accounts keep steadily rising?
Into the black…
Whether you are currently in debt or fear you’re falling into debt, you are not alone. Forty 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 Debtors Anonymous program.Millions of consumers have become trapped in a spiral of debt, but there is hope. If you wants to free yourself from the shackles of debt, this book is for you–it can help you “get out of debt, stay out of debt, and live prosperously.” Jerrold Mundis writes in a friendly, engaging style, urging readers to stop the cycle of spending. Mundis knows what he’s talking about–he, too, was once thousands of dollars in debt and didn’t know where to turn. Anecdotes from Debtors Anonymous folks, plus multiple examples from the writer’s own life and ledgers, make How to Get Out of Debt an encouraging read, not a condescending one. Once you start your program, you may want to periodically reread some chapters for inspiration–and fun.
Now in audio, the updated and expanded edition: David Graeber’s “fresh…fascinating…thought-provoking…and exceedingly timely” (Financial Times) history of debt.
Here, anthropologist David Graeber presents a stunning reversal of conventional wisdom: He shows that before there was money, there was debt. For more than 5,000 years, since the beginnings of the first agrarian empires, humans have used elaborate credit systems to buy and sell goods – that is, long before the invention of coins or cash. It is in this era, Graeber argues, that we also first encounter a society divided into debtors and creditors.
Graeber shows that arguments about debt and debt forgiveness have been at the center of political debates from Italy to China, as well as sparking innumerable insurrections. He also brilliantly demonstrates that the language of the ancient works of law and religion (words like “guilt”, “sin”, and “redemption”) derive in large part from ancient debates about debt, and shape even our most basic ideas of right and wrong. We are still fighting these battles today without knowing it.
How financial parasites and debt destroy the global economy. Professor Hudson continues the discussion on the financialization of capital and its global effects. KILLING THE HOST exposes how finance, insurance, and real estate (the FIRE sector) have gained control of the global economy at the expense of industrial capitalism and governments. The FIRE sector is responsible for today’s economic polarization (the 1% vs. the 99%) via favored tax status that inflates real estate prices while deflating the “real” economy of labor and production. The Great 2008 Bailout saved the banks but not the economy, and plunged the U.S., Irish, Latvian and Greek economies into debt deflation and austerity. This book describes how the phenomenon of debt deflation imposes austerity on the U.S. and European economies, siphoning wealth and income upward to the financial sector while impoverishing the middle class.
Readers receive tips, resources and techniques for half-price living. Financial well-being is not measured by one’s income. It’s the money you don’t spend that gives you freedom to live the life you love.
Although banking and sovereign debt crises are not unusual, the crisis that has unfolded across the world since 2007 has been unique in both its scale and scope. It has also been unusual in being both triggered by, and mainly affecting, developed economies. Starting with the US subprime mortgage crisis, and the recession in 2007-2009, the problem soon erupted into financial crisis in Europe. A few of these countries came to the brink of bankruptcy, and were rescued by the EU and the IMF on the condition they adopt austerity measures. The detrimental social effects of the crisis in both the US and Europe are still emerging.
Although there have been several studies published on the US crisis in particular, there has so far been an absence of an accessible comparative overview of both crises. This insightful text aims to fill this gap, offering a critical overview of causes, policy responses, effects and future implications. Starting with the historical context and mutation of the crisis, the book explores the policies, regulations, and governance reforms that have been implemented to cope with the US subprime mortgage crises. A parallel analysis considers the causes of the European sovereign debt crisis and the responses of the European Union (EU), examining why the EU is as yet unable to resolve the crisis. This book is supported with eResources that include essay questions and class discussion questions in order to assist students in their understanding.
This uniquely comprehensive and readable overview will be of interest and relevance to those studying financial crises, financial governance, international economics and international political economy.
Is living a debt-free life really possible or just simply a dream, a fantasy or a total impossibility? No, it’s not. We have all grown up with the expectations of a successful life: college, possibly marriage and a family, car, boat, home and all the other great toys that most people want. But none of this comes without a cost and it is often that cost that causes problems. There is that college tuition to repay, raising a family is far from cheap, cars and boats cost as much as a house did 25 years ago and to own a home is a near impossibility for many. Today, the average person is totally bombarded with debt if left uncontrolled. In this book, we will take a look at some of these costs and how they can get out of hand then offer some possible solutions that individuals can do to regain financial order to their life.
How you got in debt and your financial outlook How to redirect your steps Future financial planning Life without debt: how glorious! Download your copy of ” Debt Free ” by scrolling up and clicking “Buy Now With 1-Click” button.
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Do you know that millions of dollars of debt are collected illegally every year? Do you know that it may be possible for you to receive a payment from a debt collector or creditor for legal damages? The Secret World of Debt Collection shows readers how they can reduce their personal debt and possibly win thousands in legal compensation. I wrote this book because it’s only fair that you find out what you’re really up against when it comes to consumer credit, finance, and collections.
Attorney and former debt collections CEO, Mike Cardoza wants you to know that what you might think is an impossible situation is not. Mike Cardoza is the most senior executive from the consumer credit and finance industry to publish such a comprehensive account on the vulnerabilities and shortcomings of American consumer credit and debt collection companies. A former CEO and Executive Vice President in debt collections, he lays bare the economic realities of the U.S. credit and collections system that virtually ensures that millions of dollars of debt are collected illegally every year.