Maybe you’re thinking that the only thing worse than budgeting is reading a book about budgeting. And you may be right. But with this book, my hope is that I can change your mind. My hope is that by following this challenge, you will feel more in control of your spending habits, have clearer and more meaningful financial goals and, most importantly, have a little fun while doing it! In this book, we’ll look at ways to uncover your own personal psychology behind money, as well as practical methods to make and reach finance goals. From saving pennies here and there by cutting out mindless spending to rethinking your approach to saving entirely, we’ll tackle your money issues the simple way: day by day. We’ll consider realistic ways to save money, but also look in depth at what it really means to live a minimalist life and what the true value of the items in our lives actually is.

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.

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• Used Book in Good Condition

In the early 1990s we experienced a recession not quite as bad as the great recession of 2012 but painful for many nonetheless. Back then I did live radio five nights a week on this one subject (credit repair) broadcast out of Miami. The program, like this book, was called Credit Warfare and focused each night on a new credit repair or debt collection issue.

Many people listened nightly on their ride home from work. It was the highest rated program on AM radio during drive time because so many people needed help. Doctors, lawyers, judges, secretaries, police officers, nurses, truck drivers etc… listened to Credit Warfare and used the information to pull their lives back together.

A superior court judge became a federal judge. A police lieutenant became a captain. Others got new jobs and started businesses. They were now able to get the best rates on insurance, homes, cars, credit cards and so on because they were trained to handle their credit repair / debt collection issues themselves.

Today more than 61 million Americans have bad credit with another 30 – 40 million classified as bruised to sub-prime. I knew things were getting bad back in 2007 when I started receiving emails from those who listened to me on the radio or came to seminars 15 years earlier asking for help again.

As was the case then, you can re-take control of your financial life without a credit repair company, credit counseling or in most cases an attorney. You can stop the creditors, collectors and lawyers with little effort and regain some sense of serenity in very short order if you know what your rights are and how to enforce them.You truly can remove any negative information from your credit report on your own legally with minimal time invested.

Credit Warfare will provide you with the knowledge you need backed up with legal references, resources, a plan of action and step by step instruction to deal with any credit or debt collection issue regardless of whether you are a novice or experienced consumer. Most importantly Credit Warfare will help you sleep at night knowing you have the power to fix the issues at hand and protect yourself from any further attacks.

A practical business cookbook on how to creatively collect debts from overdue customers using Asian and Western collection strategies. The author is an American living in Asia since 1995. Accounts receivables are most firms largest asset, and often it’s most unmanageable. This book shares ideas to improve your firm’s processes, people, and systems to reduce bad debts and increase sales and profits. A humorous, ‘how to’ book to put more money in your firm’s pocket while keeping you up-to-date in the field.

Moyer provides the insight, in-depth analysis and strategies necessary to invest successfully in the securities of financially distressed companies. This high-risk, high-reward $400 billion market is more for institutional investors and often trades in blocks of $1-$5 million.

Product Features

• Used Book in Good Condition