LEARN HOW TO ELIMINATE ALL YOUR EXISTING DEBTS, FIND DEBT RELIEF, AND REMAIN DEBT FREE FOR LIFE Discover a proven strategy for debt relief, paying off your debts and remain living debt free for the rest of your life. Millions of people are in debt and struggling to make ends meet. People are hoarded by surmounting financial responsibilities with no resolution in sight. Most don’t know what to do or where to turn for help. The growing financial crisis has shifted the consensus of the American Dream from owning a home to being debt free. This is scary. Is to be “debt free” really just a dream? How do you even start to make this dream a reality? The truth is, it can be your reality. This book gives you step-by-step strategies on how to gain control over your finances, and eliminate all your debts once and for all. You’ll also discover what got you into debt in the first place, and how to keep it from happening again. You don’t have to live enslaved to your debts anymore. You just have to make the commitment to take action and stay the course. Here Is A Preview Of What You’ll Learn… Why Are You In Debt? Income and Expense Worksheet Can You Raise Your Income? Can You Lower Your Expenses? Credit Cards and Debt Debt Consolidation Loan Bankruptcy Secured Loans Much, much more! Here’s What Others Are Saying… “This book is the best book I have read about getting out of your debt the sensible way!! It’s not one of those quick fix books, it is a realistic look at debt and very helpful tools to get out of debt and build your credit. I really recommend this book!!” – Gerald Leroy Anderson (Philly, USA) “This book is really great. I was able to get some nice tips to manage my personal finances better. I’m always trying to save money and I’m always looking to good books like this one to get some information on how to manage my credit card debt better. I’m still in debt but I’ve been following some tips and I can tell you that I’m getting some results already. I would recommend this book. I should try this out.” – Amanda Jones (USA) “I have come out of debt only recently and as I am still recovering financially I decided to download: ‘No More Debt’’ to see if it could help me. I literally ‘absorbed it’ on my lunch break and I found all the tips so useful and so up-to-date that I actually ended up reading it twice. What I got from this read is: some really reinforced motivation! I will never again be a debt victim and will never again struggle financially. I have actually started my financial journal, just like the author suggested and it made it so much easier to me to see where I was with my money…I love this idea of a simple yet healthy and happy life. Thank you so much author!” – Marta T. (Barcelona, Spain) TAKE ACTION TODAY and SECURE YOUR FINANCIAL FREEDOM! Tags: debt, debt free, debt relief, debt management, debt consolidation, debt education, debt free living, debt free spending plan, debt free forever, credit free, credit card debt, credit solutions, credit consolidation, how to pay off your credit card debt, how to pay off all your debts, how to become debt free, how to be financially free, finances, financial problems, financial crisis, financial solutions, financial future, financial independence, financial freedom, financial success, financial planning, financial peace, financial intelligence, financial relief, financial analysis, money management, personal finance, personal money management

With updated information that reflects the myriad changes in the student loan industry that affect students and their parents burdened with student loan debt, CliffsNotes Graduation Debt, Second Edition provides a step-by-step road map for effectively managing student loan debt and having a successful financial life.

Reyna Gobel has accumulated tens of thousands of dollars in student loans, recovered from student loan default, and set herself on a mission to help others who face a seemingly insurmountable student loan burden, with a powerful message about taking a step-by-step approach and not being overwhelmed by the sheer weight of student loan debt.

Divided into small subsections geared toward those neck-deep in debt, this book is easily digestible to students who aren’t inclined to focus on their finances. Readers are encouraged to take action steps, such as finding long-lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios so they can buy a home, and discussing their student loan and non-student loan debt with their significant others.

By the end of the book, readers will be on the road to financial stability, with extra money for vacations and other fun stuff, too.

The high-yield leveraged bond and loan market (“junk bonds”) is now valued at $3+ trillion in North America, €1 trillion in Europe, and another $1 trillion in emerging markets. What’s more, based on the maturity schedules of current debt, it’s poised for massive growth. To successfully issue, evaluate, and invest in high-yield debt, however, financial professionals need credit and bond analysis skills specific to these instruments. Now, for the first time, there’s a complete, practical, and expert tutorial and workbook covering all facets of modern leveraged finance analysis. In A Pragmatist’s Guide to Leveraged Finance, Credit Suisse managing director Bob Kricheff explains why conventional analysis techniques are inadequate for leveraged instruments, clearly defines the unique challenges sellers and buyers face, walks step-by-step through deriving essential data for pricing and decision-making, and demonstrates how to apply it. Using practical examples, sample documents, Excel worksheets, and graphs, Kricheff covers all this, and much more: yields, spreads, and total return; ratio analysis of liquidity and asset value; business trend analysis; modeling and scenarios; potential interest rate impacts; evaluating and potentially escaping leveraged finance covenants; how to assess equity (and why it matters); investing on news and events; early stage credit; and creating accurate credit snapshots. This book is an indispensable resource for all investment and underwriting professionals, money managers, consultants, accountants, advisors, and lawyers working in leveraged finance. In fact, it teaches credit analysis skills that will be valuable in analyzing a wide variety of higher-risk investments, including growth stocks.

How to Eliminate All Debts, get Complete Debt Relief, and Remain Debt Free.

Consumers have legal powers against aggressive creditors and debt collectors under the Fair Debt Collection Practices Act (FDCPA), the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA) and other federal and state laws. Asserting these legal rights can make creditors and their attorneys go away. Consumers are entitled to recover money damages against creditors and collectors for even one violation of these laws. Part of the Legal Playbooks™ Series, The Debt Relief Playbook is an invaluable resource in defending against creditors, debt collectors and their attorneys.

After two decades of fighting creditors and debt collectors on behalf of thousands of clients, Board Certified Attorney Mark Wesbrooks has put together a powerful how-to guide to arm Americans with everything needed to oppose creditors, collectors, and their attorneys in their efforts to seek court judgments, seize assets, invade bank accounts, and garnish pay checks. Wesbrooks effectively explains legal protections, strategies, and procedures in easy to understand terms.

The Debt Relief Playbook provides a roadmap to financial freedom, including sample letters, court documents, and legal references (The War Chest) that will help you stand up and fight to protect your family and preserve the American dream.

The Debt Relief Playbook is part of the Legal Playbooks™ series of publications designed to arm consumers to stand up to creditors and prevail. It is a statistical fact that one out of three debt collection lawsuits have no merit of any kind! By timely raising legal claims and defenses creditors and their attorneys will go away in defeat. Federal laws include loan forgiveness regulations for student loans, legal defenses which remove all liability on civil debts, and remedies of court-ordered discharge of all debts through bankruptcy. Rights and remedies exist which will be lost if the consumer does not act timely in asserting proper legal claims and defenses.

Proper planning and an early counter-attack can eliminate the problem. When your family is under attack, it is time to fight and prevail!

Are you sick of the rat race, working at a job you hate and still just barely surviving? Are you ready to do it for the rest of your life? Or have you been laid-off or “downsized” and can’t afford to live anymore. If so this book is for you. In it I give detailed directions how to get rid of your rent or mortgage payment and live in a vehicle.That way you can get out of debt, save money, travel and live free. You can live on so little money you can tell your boss to, “Take this job and shove it!” Sound good? Let’s get started!

Mortgages, credit card balances, student loans, car loans, and home improvement loans have become a way of life for the majority of us. And debt is putting not only our present at risk as we live paycheck to paycheck, but our futures in jeopardy as shockingly few of us have enough put away for retirement. Personal financial expert Mary Hunt wants readers to embrace the radical but simple truth that they don’t need more credit or more stuff–that they can live their lives debt-free.

In her classic book Debt-Proof Living, Mary reveals the secrets to getting out of debt and staying out of debt for the rest of your life. At no time in history has this liberating approach to a no-debt lifestyle been more desperately needed. Those who have been struggling to pay the bills or feel like they just can’t make their finances work without taking on debt need this book. It can change their lives.

America’s Fiscal Constitution: Its Triumph and Collapse (PublicAffairs, April 1, 2014) tells the remarkable story of federal leaders who imposed clear limits on the use of federal debt. For almost two centuries those limits allowed the federal government to borrow for only four purposes. That traditional fiscal constitution collapsed in 2001, when federal elected officials broke the traditional link between federal tax and spending policies. For the first time in history, the federal government cut taxes during war, funded permanent new programs entirely with debt, and became dependent on foreign creditors.
With insights gained from original scholarship and an unusual breadth of experience in finance and government, Bill White distills practical lessons from the nation’s five previous spikes in debt. America’s Fiscal Constitution is an entertaining and objective guide for people trying to make sense of the current and most dangerous debt crisis.

Our government debt is rising every day. Our population is shifting as more people retire and fewer are able to find work. Our social programs, including the Affordable Care Act, are only adding to our financial burden, and rising taxes are hindering economic growth. We are a nation in the red.

A powerful wake-up call to leaders, investors, and citizens, this brilliantly researched book reveals the surprising truth about our national debt–and what we can do about it.

You’ll learn: How reckless spending by Congress has created a debt trap How Obamacare will negatively affect health care costs and our economy How Social Security really works–and why it’s unsustainable in its current form How changing interest rates could spell disaster for the United States What America can learn from Europe’s economic woes What could happen if the United States defaults on its loans What our government needs to do now to save us from collapse What you can do to protect yourself and your family

Written in clear, concise language and backed with ample data and sometimes shocking facts, A Nation in the Red presents a reasoned, straightforward approach to one of the most controversial issues of our time. You’ll discover the fascinating psychological reasons that have helped create our debt trap, the staggering price of FDR’s New Deal and LBJ’s Great Society, and the real cost of entitlement programs like Medicare, Social Security, and welfare. You’ll learn about the 2,200 federal programs that we’re all paying for–and the truth about Bush-era tax cuts versus Obama’s tax hikes. You’ll also discover how the five most obvious ways to reduce debt may–or may not–be the solution to our country’s problems.

And most importantly, you’ll learn how to protect your own wealth from the next financial crisis.

ADVANCE PRAISE FOR A NATION IN THE RED

“A Nation in the Red is the best-researched and most understandable explanation of how the United States put itself in the untenable debt position it is in today. Murray Holland has an extraordinary comprehension of the economic, currency, legal, and business problems facing this country. He has the knowledge to understand the extent of our problems and the wisdom to advise how to get out of the government debt trap.” — Christopher Mahoney, retired Vice Chairman, Moody’s Investors Service

“A Nation in the Red is a must read to get a vivid picture of where our country is on the slippery slope to financial disaster and what must be done to reverse this fatal direction, creating a path to recovery and a promising future.” — Jeff Heller, retired President and Chief Operating Officer, Electronic Data Systems Corporation

“Murray Holland has an uncanny sense for business management, finance, and markets, both domestically and internationally. If he speaks, listen. There is nobody better than Murray Holland when it comes to prognosticating finance and business matters. His vision has consistently–in some cases unfortunately–been right.” — John Waller, Chairman, Waller Capital Corporation

“A Nation in the Red is a complete, sophisticated review of all the economic, business, and currency issues we are facing now that the United States has one of the worst debt problems in the world. Murray Holland accurately analyzes our very few options for how we can get out of the trap our government has put us in. Read it!” — Ray Washburne, Finance Chairman, Republican National Committee

Season One of the Debt Collector serial with all nine episodes.Save 30% by getting the full season! 
What’s your life worth on the open market? 
A debt collector can tell you precisely.

Lirium plays the part of the grim reaper well, with his dark trenchcoat, jackboots, and the black marks on his soul that every debt collector carries. He’s just in it for his cut, the ten percent of the life energy he collects before he transfers it on to the high potentials, the people who will make the world a better place with their brains, their work, and their lives. That hit of life energy, a bottle of vodka, and a visit from one of Madam Anastazja’s sex workers keep him alive, stable, and mostly sane… until he collects again. But when his recovery ritual is disrupted by a sex worker who isn’t what she seems, he has to choose between doing an illegal hit for a girl whose story has more holes than his soul or facing the bottle alone–a dark pit he’s not sure he’ll be able to climb out of again.

The nine episodes of the Debt Collector serial are collectively 125k words or about 500 pages. This dark and gritty future-noir is about a world where your life-worth is tabulated on the open market and going into debt risks a lot more than your credit rating. For more about the Debt Collector serial, see www(dot)DebtCollectorSeries(dot)com

Contains mature content and themes. 
For young-adult-appropriate thrills, see Susan’s bestselling Mindjack series. 
EPISODE LIST
1-Delirium 
2-Agony
3-Ecstasy4-Broken5-Driven6-Fallen 7-Promise8-Ruthless9-Passion