The official e-book of the Debtors’ Revolution. Revised and updated with 140+ pages of inside information and actionable strategies. 214 footnotes and other references hyperlinked to source material on the web. Ann Minch says “You Need This Book!”

Insider Secrets in my book:

* How creditors improperly use certain forms of leverage to try to collect from you long after they are legally allowed to.
* How collectors can get their names on your credit reports even when they are no longer allowed to have information listed there.
* Dirty tricks creditors use to get around the statute of limitations.
* Why using the statute of limitations to defend against a creditor should be the last resort.
* Why paying a collector everything they want doesn’t guarantee you won’t be returned to for the same debt again and again-and what to do about it.
* How collectors try to “manufacture” proof you owe them a debt.
* Why past trouble with a bank account means you must be extremely careful who you order checks from.
* Why you may not be in the clear even after a judgment against you has expired.
* Which states turn public officials trying to help a creditor collect from you into a profit center by giving them a percentage.
* Why depositing a $1.55 check can cost you everything in your bank account.
* Debtor’s prison is a relic of history-or is it?
* Which states’ judgments continue carrying whatever outrageous interest the creditor was charging you.
* How a creditor can file bankruptcy for you-and why they’re wary of doing it.
* What to do after you pay a judgment, and why you may want to delay doing it.
* Credit card offers you should never, ever accept.
* How turning eighteen can put you suddenly deep into debt.
* Why your parent’s nursing home stay can mean you owe debt you never signed for.
* You’ve been foreclosed on … now you owe a mortgage deficiency … or do you?
* How to research a collector who is trying to collect from you so that you know their weak points.
* How to settle a debt … even when the other side hasn’t agreed to it.
* Why some debts can never be sued on, while others have a shorter statute of limitations than you would otherwise think.
* Which kinds of businesses aren’t going to help you at all with your debt problems.
* The obsolete trick to avoiding debt problems that can get you branded a terrorist.
* How one of the country’s biggest collectors tried and failed to outsmart his own industry-with deadly consequences.
* Why banking out of the country can be disastrous and where you can safely bank in the country.
* How creditors illegally scrawl on bankruptcy’s “clean slate.”

The American middle class is being destroyed by credit card debt. As of December 2009 we are looking at 11% or better chargeoff rates overall through Summer 2010 according to Moody’s and Fitch. Debtors need to know how to get through the pandemic of ratejacking and fee harvesting that the major credit card banks are using to shore up their sagging balance sheets. If you can’t pay, you need to know what’s coming and how to handle it. Bankruptcy is harder to use and provides less relief than it once did. To protect yourself and your family when you have defaulted debt in your life you need to understand who you’re going to come in contact with and how to handle them.

Where other books are 90% polemic and 10% practical solutions, this book provides key information regarding the industry, its tricks, traps and vulnerabilities. It’s what you need to know before you head into the rapids.

Product Features

• Used Book in Good Condition

War and Gold tells the history of money. It illustrates in rich historical detail how governments’ desire for to accumulate and conquer must be funded by debt. The risk is always that the treasure may not pay back the cost of the adventure. The story begins with 16th century Spain, the most extreme example of a western colonial power in the 16th century ruthless in its chase to discover as much gold as possible and, ultimately, financially gutted from having to wield a global war to in an effort to hold on to their trade routes with the El Dorado’s of the New World.

The gold standard, first made possible by the influx of silver and gold in Europe from returning Spanish conquistadors, would commonly be suspended during times of war. Cheaper standards, like paper, would be introduced as a means of wartime financing. Like the French in the Revolutionary Wars, like the British against Napoleon, and following their own example against the British in the 1770s, the Civil War Union government issued paper money to defeat an enemy during. War often the depreciation of national currency. With war, often comes the devaluation of national currencies.

Itself a long-time symbol of permanence and immutability, the gold standard was actually developed after the relative chaos of the paper currencies of the American and French Revolutions, and the suspension of gold payments by the Bank of England. It seemed a simple, almost natural idea, an expression of the ?spontaneous order’ of the free market system. And despite these chaotic origins, the gold standard would come to symbolize stability in the world. Kwarteng argues that the dissolution of the gold standard in much of Europe at the dawn of World War I spurred the rise of a dominant American economy?the only national market in which gold convertibility was still honored at the time. Ironically, the resulting command of the American dollar would spark its ascension over gold as the new global monetary standard in 1976, a standard that fell, with the U.S. economy, in 2008 when, once more, the world unofficially turned back to gold.

THIS IS THE BOOK THAT THE CREDIT-CARD COMPANIES DON’T WANT YOU TO READ!!!

So, you may be looking for a book on such a subject because you amassed a certain amount of debt, perhaps fallen behind in some payments, or even considered bankruptcy. Sometimes debt isn’t even a result of overspending but just bad life circumstances such as a death or divorce of someone that helped us live to a certain standard. There is nothing to be ashamed of or even worried about.

Using the strategies in this book, you can pay off your debts in the least amount of time and live free again.

Imagine instead of paying everything off in five to seven years, you’re able to do this in two. Can you wait that long to be completely debt free?

The strategies used in this book are based on time-tested equations that will significantly reduce the time it will take to pay off your credit debt, saving you thousands of dollars. Additionally, Gerry Marrs will teach you some guerrilla tactics that will literally cut your credit card balances in half, and free you from the chains of debt bondage. The plan in this book is simple to implement, and flexible according to your lifestyle needs.

This book will show you some quick-payoff principles as well as how to save more, spend less, and perhaps even make some money. Gerry Marrs calls this principle the three pillars of financial success; save, budget, and earn. When you can balance all three of these functions of personal finance, you can achieve great wealth and prosperity.

Here are some of the things you will find in this book:

* Understanding Debt and Credit
* Types of Debt
* Debt-to-Income Ratio: What is it?
* Median Ranges of Debt-to-Income
* The REAL Cost of Credit Debt
* How banks calculate home loans
* The real cost of credit card debts and how they are calculated
* Getting a better deal
* Practical Money Skills For Life
* Setting Serious Goals
* Why should I set goals?
* Visualize your goals and write them down
* Personal Goals Vs Financial Goals
* Create a Solid Timeline
* 3 Tiered Plan Of Saving
* Short Term and Long Term Financial Goals
* Prepare to do Battle!
* Finding Additional Resources
* Making a Budget You Can Live With
* Health Insurance
* Grocery Bills
* Utility Costs
* Banking and/or Check Cashing Fees
* Additional Income Opportunities
* Yard Sales
* Odd Jobs around Your Community
* Freelance Writing Gigs
* The Light at the End of the Tunnel
* Laying Out Your Debts
* Prioritize Your Debts
* Map Out Other Bills
* Decrease Your Expenses
* Credit Scores and Credit Reports: A Primer
* What Is a Credit Score?
* The Credit Score Model
* Credit Worthiness
* Credit Reporting Companies
* Credit reporting Scams
* Demystification of the credit reporting systems in the United States of America
* The Effect on Interest
* The Get out of Debt Early (GOODE) System
* Choosing which Debts to Pay Early
* Calculating pay-offs
* Online debt repayment calculators
* Right to the Source
* Yet even more calculators
* Manually Calculating Payments for More Control
* Calculating Monthly Credit Card Interest, the Easy Way
* Calculating Monthly Credit Card Payments, the Easy Way (or MAYBE NOT)
* Determining the Amount of Time to Pay Something Off
* Setting up your payment strategy
* What happens when you can no longer make a payment?
* What happens when you miss one single payment?
* What happens when you are unable to pay a second month?
* What happens when you cannot make payments beyond six months?
* What happens when you cannot make payments for years?
* Working with Creditors, Some Useful Scripts
* Proactive Approach
* Reactive Approach
* Sample Scripts
* How To Legally Rob Credit Card Companies
* Debt held by credit card company
* Debt held by collection agency

Don’t delay! Order your copy today!

Everywhere anarchism is on the upswing as a political philosophy—everywhere, that is, except the academy. Anarchists repeatedly appeal to anthropologists for ideas about how society might be reorganized on a more egalitarian, less alienating basis. Anthropologists, terrified of being accused of romanticism, respond with silence . . . . But what if they didn’t?

This pamphlet ponders what that response would be, and explores the implications of linking anthropology to anarchism. Here, David Graeber invites readers to imagine this discipline that currently only exists in the realm of possibility: anarchist anthropology.

Debt The First 5000 Years is your aide to rapid comprehension of the essential business principles delineated in David Graeber’s acclaimed book Debt The First 5000 Years. The concept of debt is strangely powerful, and it is consumer debt that keeps our economy moving. At the center of international politics is the subject of debt. David Graeber, undertakes in Debt The First 5000 Years, the task to delve into the many misconceptions surrounding debt and Graeber uses the last five thousand years of history to argue, discuss, and demonstrate rights and freedoms, relating how all of this history has given present day a unique set of challenges. Use this helpful paper to understand the essence of Debt The First 5000, including: A concise synopsis summarizing the history of debt and it’s definition In-depth analysis of the most useful concepts from Debt The First 5000 Years, such as the “Credit Versus Bullion, And the Cycles of History” and “The Myth of Barter”. As with all books in the Pivotal Point Papers Series, this book is intended to be purchased alongside the reviewed title, Debt The First 5000 Years.

This little book about the Bible grew out of lectures which the writer delivered on the subject to mixed audiences. The lectures were afterwards expanded, and appeared in a series of articles in the Catholic press 1908-9, and are now with slight alterations reprinted. Their origin will sufficiently account for the colloquial style employed throughout. There is, therefore, no pretence either of profound scholarship or of eloquent language; all that is attempted is a popular and, as far as possible, accurate exposition along familiar lines of the Catholic claim historically in regard to the Bible. It is candidly controversial without, however, let us hope, being uncharitable or unfair. Friends had more than once suggested the reissue of the articles; and it appeared to the writer that at last the proper moment for it had come when the Protestant world is jubilating over the Tercentenary of the Authorised Version. Amidst the flood of literature on the subject of the Bible, it seemed but right that some statement, however plain and simple, should be set forth from the Catholic side, with the object of bringing home to the average mind the debt that Britain, in common with the rest of Christendom, owes to the Catholic Church in this connection. Henry G Graham

This book was designed to inspire, encourage, and motivate you to make positive changes in your financial life. Put God first in your finances because most times, we take care of the spiritual, and physical, then we only do something about the money after it is all gone. In this informative book, you will discover: The principles to get out of debt How to stay out of debt How to make a budget How to take control of your money

The Great American Recession resulted in the loss of eight million jobs between 2007 and 2009. More than four million homes were lost to foreclosures. Is it a coincidence that the United States witnessed a dramatic rise in household debt in the years before the recession?that the total amount of debt for American households doubled between 2000 and 2007 to $14 trillion? Definitely not. Armed with clear and powerful evidence, Atif Mian and Amir Sufi reveal in House of Debt how the Great Recession and Great Depression, as well as the current economic malaise in Europe, were caused by a large run-up in household debt followed by a significantly large drop in household spending.

Though the banking crisis captured the public’s attention, Mian and Sufi argue strongly with actual data that current policy is too heavily biased toward protecting banks and creditors. Increasing the flow of credit, they show, is disastrously counterproductive when the fundamental problem is too much debt. As their research shows, excessive household debt leads to foreclosures, causing individuals to spend less and save more. Less spending means less demand for goods, followed by declines in production and huge job losses. How do we end such a cycle? With a direct attack on debt, say Mian and Sufi.  More aggressive debt forgiveness after the crash helps, but as they illustrate, we can be rid of painful bubble-and-bust episodes only if the financial system moves away from its reliance on inflexible debt contracts. As an example, they propose new mortgage contracts that are built on the principle of risk-sharing, a concept that would have prevented the housing bubble from emerging in the first place.

Thoroughly grounded in compelling economic evidence, House of Debt offers convincing answers to some of the most important questions facing the modern economy today: Why do severe recessions happen? Could we have prevented the Great Recession and its consequences? And what actions are needed to prevent such crises going forward?

Why do lenders time and again loan money to sovereign borrowers who promptly go bankrupt? When can this type of lending work? As the United States and many European nations struggle with mountains of debt, historical precedents can offer valuable insights. Lending to the Borrower from Hell looks at one famous case–the debts and defaults of Philip II of Spain. Ruling over one of the largest and most powerful empires in history, King Philip defaulted four times. Yet he never lost access to capital markets and could borrow again within a year or two of each default. Exploring the shrewd reasoning of the lenders who continued to offer money, Mauricio Drelichman and Hans-Joachim Voth analyze the lessons from this important historical example.

Using detailed new evidence collected from sixteenth-century archives, Drelichman and Voth examine the incentives and returns of lenders. They provide powerful evidence that in the right situations, lenders not only survive despite defaults–they thrive. Drelichman and Voth also demonstrate that debt markets cope well, despite massive fluctuations in expenditure and revenue, when lending functions like insurance. The authors unearth unique sixteenth-century loan contracts that offered highly effective risk sharing between the king and his lenders, with payment obligations reduced in bad times.

A fascinating story of finance and empire, Lending to the Borrower from Hell offers an intelligent model for keeping economies safe in times of sovereign debt crises and defaults.

Beat Greedy Lawsuit Filing Debt Collectors At Their Own Game. Learn to Fight Debt Collection Lawsuits and WIN! I look at being sued by a debt collector like this: If you are going to sue me, you better have the proof and documentation to validate it. It doesn’t matter if I owe the debt or not. I am not an easy money target and after you read my book neither will you. Foreword excerpt: “Allen Harkleroad may just be the most dangerous consumer in America for companies that treat people unfairly. He has a long and distinguished history of sticking it to those who have treated him and others unfairly. You can now take advantage of his thousands of hours of research and considerable experience and put it to good use in defending yourself against collections lawsuits. Bottom line is that you as a consumer need to be prepared to stand up and assert your rights to protect yourself. With Allen on your side you are on the right track.” ~ Chris Gleason, Esq. www.Consumerhelp911.com “I meant to tell you that I read the book on Friday and it is incredible. I love the motion to dismiss. Powerful and easy to understand.” ~ Barbara of Next Level Unlimited

Product Features

• ISBN13: 9780978999728
• Condition: New
• Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!