A clear presentation of simple and innovative ways to graduate college debt-free with a Bachelors, Masters, and even a PhD degree.

Popular Personal Finance Blogger Gives the Secret to Lasting Financial Health

Countless free budget plans are available for every possible income level and stage of life. So why do more than 60 percent of U.S. households still live paycheck to paycheck? The key to financial stability and success isn’t just about money–it’s about attitudes.

Rocha uses the lessons she learned overcoming personal debt to teach readers how to triumph over the lies we tell ourselves, such as “I deserve a treat,” “Fake it till you make it,” and “I can’t afford it.” Each chapter uses real-life examples to explain faulty thinking about money, followed by step-by-step instructions for how to overcome these pitfalls. Budgets are helpful, but real change won’t happen without a financial attitude adjustment.

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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.

The Patient, The Doctor and Bill Collector reveals the hidden truths behind the crushing wave of medical debt drowning more than 64 million Americans.

Authors Robert E. Goff and Jerry Ashton know the inside story on medical debt. Each offers more than 40 years of experience inside the healthcare and collections industries. They team up to deliver a scathing indictment of America’s healthcare system. In simple and forceful language, they detail how present approaches are rigged to fatten the wallets of big pharmaceutical companies, insurance monopolies, and hospitals. The medical debt collections industry also waits patiently for their turn at the trough.

Beyond simply pointing out the mistakes and the greed, the two authors came up with a simple yet powerful solution: Buy medical debt on the open market, and then abolish it! Their vehicle is RIP Medical Debt, a non-profit established in 2013 for the purpose of locating, buying and then forgiving this debt as a gift to those struggling with unpaid and unpayable bills. One collections industry executive described this debt retirement plan as a “Robin Hood” approach.

The Patient, The Doctor and The Bill Collector will help you keep yourself and your family from being swept away by the tsunami of medical debt endangering our future in America You will learn from industry insiders the shocking truths that the debt collections industry, hospitals and insurance companies do not want you to know.

If you are a patient or a patient’s family member, you will learn:

More than 64 million Americans already struggle to pay medical bills. More than 15 million people will deplete their savings to cover medical bills. Health insurance is no rescue, for 80 percent of those filing bankruptcy had insurance. The security blanket of health insurance is riddled with holes and surrounded by traps.

If you are a health practitioner, hospital or physicians group, you will learn:

Pharmaceutical costs and office visit fees cause patients to skip medication and care. If you believe healthcare reform will reduce your revenue losses, think again.

The United States is the only industrialized nation with a market-based healthcare insurance system. As a result, America is destined to be the only industrialized nation to bring about a widespread debt impoverishment of its citizens.

Whether you are a patent, a doctor or a bill collector, you need this book to survive!

ABOUT THE AUTHORS

Robert E. Goff is an acknowledged expert in healthcare delivery, organization and financing with a career spanning leadership positions as a hospital administrator, regulator, managed care executive, consultant, and association executive. He serves as Executive Director and CEO of University Physicians Network (UPN) in New York City. Robert also is a corporate director and sought-after advisor to healthcare technology and care delivery companies.

Jerry Ashton is a recognized veteran of the credit and collections industry. He’s long been an outspoken critic of industry excesses. Inspired by the Occupy Wall Street movement’s “Rolling Jubilee” campaign against medical debt, he came out of semi-retirement in 2014 to co-found RIP Medical Debt with the goal of removing one billion dollars in unpaid and unpayable personal medical bills from the backs of fellow Americans. Jerry blogs at The Huffington Post and tweets as @RIPMedicalDebt.

The authors maintain a resources website for book readers at NoMoreMedicalDebt.com.

A lucid and original account of where money comes from and why most people and businesses are so heavily in debt. It explodes more myths than any other book this century, yet it’s all about subjects very close to home: mortgages, building societies and banks, agriculture, transport, global poverty, and what’s on the supermarket shelf. The author proposes a new mechanism for the supply of money, creating a supportive financial environment and a decreasing reliance on debt.

Product Features

• Used Book in Good Condition

The debt bomb is ticking. The U.S. Treasury says our national debt will hit twenty-eight trillion dollars by 2018. This means that every single day you keep your savings in paper-backed investments, the Federal Reserve destroys your money, your stocks, your savings account, your 401K. But just as the debt has more than tripled in the last decade, so have gold and gas. Gold and gas track debt more than any other assets on earth. So if the debt is doubling to $28 trillion by 2018, where do you think your money needs to be? Gold has been the greatest hedge against currency collapse the world has ever known, and gold has been the world’s wealth preserver of choice for over 5000 years.

Why you should consider using a personal loan to payoff high interest rate debt. The standard deduction is now $12,000 per person or $24,000 for a married couple filing jointly. As a result, there is likely no tax benefit to borrowing against your home, and a better option could be a personal loan to pay off high interest rate credit card debt. Make the same payment you are making now but refinance it to a low single digit rate and pay it off in 3 to 5 years, saving 15 years of payments. Here is a link to comparison shop https://www.lendingtree.com/personal/ #creditcards #creditcarddebt #payoffdebt

If you have debts you are Not Alone! According to data taken from The US Census, The Aggregate Revolving Consumer Debt Survey and The Survey of Consumer Finances, 160,000,000 Americans possess credit cards, which is just over half the population of America! More amazingly still, the average credit card debt of $7,219 per household in 2010! So, if you are feeling pinned down by credit card debt, you are certainly not alone! The average indebted American is now poorer than their 1980 counterparts! And this isn’t just an American problem; rather it’s a global problem! Since the end of world war two there has been a consistent push on behalf of the financial sector to push loan facilities, credit cards and all sort of other debts down our throats. We have become a debt based society and even though the 2008 financial meltdown demonstrated the flaws in this system, mouthing really changes as the world economy is based upon debt. While there isn’t much that any of us can individually do for the world economy we can step back and take back control of our finances. In much way the financial reality is like a fence and people are on one side or the other. On one side are the indebted and on the other side are the financially free. While many people repay their debts, within a short space of time they find themselves back in debt all over again. in this book you will be thought not only how to repay your debts but also you shall be thought how to become financially free, for the only way to guarantor your long-term financial wellbeing is to move from debt to wealth and it can be done. We are not talking about get rich quick schemes here; rather we are talking about sensible strategic action, regardless of income, which over time will radically change your financial reality from debtor to investor and from poor to well off! In this book you will learn about: * The five keys to financial freedom * Debt reduction programs * Debt settlement programs * Bankruptcy * Budgeting * Financial planning * How to maintain a budgeting diary * Medium to long -term goal setting * The mind-set reburied to shift from debtor to investor! In this comprehensive book you shall be shown with step by step and practical instructions how to turn your financial situation around. There are no gimmicks, but rather it takes a clear assessment of your financial reality combined with strategic action to turn things around, but it can be done and can be done effectively even if you are an ordinary person earning an ordinary wage! Take the jump today, forget about what everyone else is doing and start to take responsibility of your financial wellbeing back into your own hands!

“Lindsay’s delight in imaginary and unknown worlds, her compulsion to write exactly what she doesn’t know, removes her poems completely from the tired confessional anecdotalism of so much narrative poetry.”—Poetry

“Sarah Lindsay’s niche in contemporary poetry might be likened to that of Joseph Cornell’s in modern art. Anything might turn up in a Cornell box: a stuffed bird, images snipped from old engravings, dice, corks, a broken watch–anything. Like Cornell, Lindsay also creates tiny, complete worlds that operate according to their own particular laws.”—Parnassus

In her fourth collection of poetry, National Book Award finalist and Lannan Fellowship winner Sarah Lindsay presents a lyric menagerie of bizarrely imagined personae and historic figures revealing their long-held secrets, alongside surprising scientific subjects and discoveries layered into quirky, dark-edged, sometimes macabre, always intimate and graceful poems. Imbued with a buoying sense of respect for the different, the unexpected, and the challenging, Lindsay’s poems are alive with wonder.

And when asked the obvious question about the title, you can say, “A ‘bone-eating snotflower’ is the inelegant slang for the worm-like creature, Osedax mucofloris, that feeds on the carcasses of minke whales in the North Sea.”

From “Without Warning”:

Elizabeth Bishop leaned on a table, it cracked,both fell to the floor. A gesturegone sadly awry. This was close to factand quickly became symbolic, bound to occurin Florida, where she was surroundedby rotting abundance and greedy insects. One moment a laughing smile, a graceful handalighting on solid furniture, a casual shift of weight, the next, undignified splayed legs. The shell of the tableproved to be stuffed with termite eggs . . .

Sarah Lindsay graduated from St. Olaf College and holds a MFA from UNC Greensboro. Her first book of poetry, Primate Behavior, was a finalist for the National Book Award. She currently works as a copy editor for Pace Communications, and lives in Greensboro, North Carolina.