Book Description
A step-by-step action plan to quick and lasting recovery after personal bankruptcy. Indexed.
Customer Reviews:
The Book Is Actually An Ad For His $497 Course.......2007-09-12
This book is FULL of commercials but void of any specific information you can apply to your life. His advice on everything from getting credit cards, auto loans, installment loans, mortgages, what ever, is to research everything out there and interview every loan officer, credit mangager etc out there, and find the best deal.
This book, his internet site, and his "free" seminar are all in effect teases to get you to buy his "Increase Your Credit Scores - Improve Your Lifestyle" course which costs $497. Presumably, some actually utilizable information is in that.
Bankruptcy.......2007-03-22
There is a moderate amount of useful information about life after bankruptcy. Probably half of the information can be found on the internet. However, the author should not have used the bankruptcy information as a cover for preaching his religious beliefs. I felt mislead.
Bankruptcy.......2007-01-12
This is a good book for someone who filed bankruptcy this book has given me a lot of insight on thing
Waste of money.......2006-12-23
You can find all this information on line. There is nothing new here for a post bankruptcy person. Also, he has a RELIGIOUS BENT so be careful.
light at the end.......2006-11-08
I am seeing light at the end of the bankruptcy tunnel
Book Description
HOW TO SETTLE YOUR DEBTS, by Norman H. Perlmutter, CPA, is the book that everyone needs to prevent economic meltdown. It's the essential, up-to-date, comprehensive and gutsy survival guide to meet this ever growing serious problem of financial ruin that faces so many of us.
In a step-by-step format it guides individuals, families and businesses through a process that will end debt and reverse insolvency without filing bankruptcy. Even if you're on the brink of financial ruin, with this book you can regain financial health and get a fresh start without committing "financial suicide".
HOW TO SETTLE YOUR DEBTS provides legitimate workable solutions to repair financial chaos. It's written in a conversational style and organized in an outline format that promotes understanding and ease of reading for the average person. You will learn in no uncertain terms how to climb out of the hole you are in and get your financial life under control without causing irreparable damage to your future in the process.
The author is a practicing CPA and Financial Advisor who formerly owned a Debt Collection Agency. He understands the tactics of the conniving moneylenders and their debt collector enforcers and all the other scam artists who are out there waiting to rip you off. He knows how to deal with these people and how to stop them from harassing you and from ruining your credit and your reputation. Furthermore and most important, with this book he will teach you how to take control of your financial life and get out of the mess you are in.
HOW TO SETTLE YOUR DEBTS is for all those individuals, families and businesses whose debts grow deeper by the day and whose lives are being adversely affected by them. Here's a summary of how the book will help you deal with your problems with debt:
• It will teach you the basics - what you're up against, who the predators are, how to recognize and avoid their debt traps, the fundamentals of debt, the risks you take when you don't pay, and what they can and cannot do to collect from you.
• It will help you understand your problem - by following the steps outlined you will be able to expose, examine and evaluate your dilemma with debt, how it's affecting your life and the options you have to deal with it.
• You will learn to know your enemy - what makes creditors and bill collectors tick, what motivates them, what their weaknesses are, how you can exploit them and how they are vulnerable to attack.
• It will show you how to keep the wolves at bay - by creating doubt as to the validity and the collectability of your debts and by using "Dirty Tricks" and Counter Attack Techniques to frustrate and discourage creditors and bill collectors.
• It will teach you about your rights and how to take advantage of them - federal and state laws enacted to protect you from abuse and to punish bill collectors who violate them.
• You will learn how to negotiate a debt settlement plan - using basic negotiating skills and built in leverage to set up an advantageous arrangement with your creditors to workout and settle your debts.
• How to use the "Golden Rules of Debtsmenship" - to protect your assets and your privacy and to safeguard credit, and where necessary, how to repair credit and rebuild it.
• How to deal with lawyers - to negotiate debt settlements, contest lawsuits and protect your assets from judgment levies.
• How to settle secured debts and tax debts - by recognizing and seizing upon opportunities to settle or otherwise favorably resolve these debts that creditors have more power to collect.
• How to settle business debts - by understanding the differences that must be considered when negotiating workouts and settlements with business creditors.
• Where to get help if you need it - and how to watch out for all the scam artists who are out there waiting to take advantage of you.
• It's a reference manual as well as a guide - with its outline format and comprehensive index the book can be used to easily and quickly obtain information on any of the many subjects covered relating to debt and debt relief.
HOW TO SETTLE YOUR DEBTS ~ Without Committing Financial Suicide ~ shows you how to end debt and reverse insolvency without resorting to the self-defeating and demeaning ordeal of filing bankruptcy. It provides you with all the knowledge, the techniques and insight required to successfully accomplish this.
Customer Reviews:
Buy it and Save $$$.......2006-11-16
Using the information contained in the book, especially to have Patience and Persistence, I have settled 2 credit card debts, and saved $16,000 from what Credit Card #1 and Credit Card #2 were demanding. They gave in before I wore out. Having gone through this, I now feel extremely confident on settling the remaining debt for less then the current balance. Using the advice contained in Norman's book WILL work as long as don't give in until you feel you have reached a fair settlement.
Great book.......2006-04-17
Gives you the law and practicalities. After reading this book I wrote to one lender and one collection agency and (5 months later) haven't heard from them again.
Excellent! Very Informative .......2006-02-10
This book was great! I began reading the book with much debt and minimal knowledge of how to become victorious in the world of debt and credit. This book was written in lay terms, so it was very easy to understand. Included in the book were sample letters and laws that helped me to know my rights as a consumer.
As I was reading this book, I began to apply much of what was written and I immediately began to gain control over my finances. I was no longer going to fall prey to credit or be victim to the collector. I now have a budget, live beneath my means, have devised a plan to remain out of debt and am on my way to rebuilding my credit. I would recommend this book to any and everyone. It was absolutely outstanding!
Low on Substance.......2006-01-01
I got this book because of the outstanding reviews it already had. In hindsight, I suspect not all of them are legitimate reviews. It's difficult to imagine anyone could read the advice in this book, put it to use, and actually gain significant benefit. Though the book's description sounds very promising, I found that it didn't deliver the information it promised. Many of the scenarios in the book are unrealistic and make unhelpful assumptions. Over and over again the author directs the reader to research topics elsewhere without providing even basic information. For example: "Credit reports are difficult to read and even more difficult to understand. There are some excellent books available to help you with this." While this book is not specifically about dealing with your credit report, it seems that a bit more information about credit reports would have been provided.
Most of the advice is common sense (live within your means) or biased against any course of action other than settling with creditors. The author writes from the viewpoint that bankruptcy is the worst thing you could possibly do, but never backs up that claim with any information. I was left with the impression that the author himself isn't really sure what effect bankruptcy has.
In fact, the author's pervasive use of generalities and unrealistic suggestions made me think he doesn't actually know that much about credit (despite his alleged qualifications). For example, he repeatedly suggests bargaining with your creditors that you will pay part of your debt if they remove negative information they have already reported to the credit bureaus. But the author seems oblivious to the fact that the credit bureaus have specific rules against creditors doing this. Numerous such suggestions ruin the author's credibility.
At best, this book might be helpful as motivation to action for someone who lives behind his or her means. But if your debts are the result of unfortunate and unavoidable events in your life, and you are ready to take decisive action to get your debt under control and your credit back on track, you will find this book preachy and unhelpful.
This is the best resource currenty available ..........2005-11-05
... for learning how to settle unsecured debt such as credit card debt. It is comprehesive and yet concise. There is no BS or fluff and it touches on every area of the landscape you need to be aware of when trying to settle unsecured debt on your own. Even though there is one far more powerful solution to settling credit card debt that is not discussed in this or any other book that I have read on this subject, I still gave the book five stars because all of the information contained in it is essential to know and is very well presented. As such, this book is the ideal starting point for learning about how the business of debt and collection works and how to deal with it. I highly recommended it.
Book Description
In this revolutionary exposŽ, Harvard Law School bankruptcy expert Elizabeth Warren and financial consultant Amelia Tyagi show that today's middle-class parents are increasingly trapped by financial meltdowns. Astonishingly, sending mothers to work has made families more vulnerable to financial disaster than ever before. Today's two-income family earns 75% more money than its single-income counterpart of a generation ago, but has 25% less discretionary income to cover living costs. This is "the rare financial book that sidesteps accusations of individual wastefulness to focus on institutional changes," raved the Boston Globe. Warren and Tyagi reveal how the ferocious bidding war for housing and education has silently engulfed America's suburbs, driving up the cost of keeping families in the middle class. The authors show why the usual remedies-child-support enforcement, subsidized daycare, and higher salaries for women-won't solve the problem. But as the Wall Street Journal observed, "The book is brimming with proposed solutions to the nail-biting anxiety that the middle class finds itself in." From Senator Edward M. Kennedy to Dr. Phil to Bill Moyers, The Two-Income Trap has created a sensation among economists, politicians, and families-all those who care about America's middle-class crisis.
Customer Reviews:
Tax Ignorance.......2007-08-17
The authors lack of understanding of how federal income taxes are calculated makes all their arguments and assertions suspect. For example, they clearly do not understand the difference between marginal and average tax rates.
Good data, limited analysis.......2007-04-01
This book provides many interesting statistics on financial troubles among U.S. households. That said, I didn't necessarily agree with the authors interpretation of peoples financial problems. These authors put nearly all the blame of financil disaster on the society at large, not the individual consumer. It's the banks, gov't, big-box stores, schools, healthcare,... Although I believe all of these are a part of the puzzle, the foundation rests on a citizen (consumer) being suckered in to believing he "needs" a new car ever 5 years, a $300,000 house in the suburbs in a "safe" neighborhood, and prescription insurance for every drug that's on television.
If you do read this book, follow it with "Your Money or Your Life" by Dominguez. Perhaps the best book ever written on individual financial responsibility.
Explains with clarity, without blame.......2007-02-24
In this book, I found an explanation to a question I've often considered: when two-income families of today are raking in more money than our parents' generation, why don't we have the bank accounts to prove it? The over-consumption theories never did make sense to me, since the middle income people I know shop at Walmart, drive old cars, and still worry about the bills. The culprit, to a great extent, is housing, the book theorizes. Americans have used the additional income to create a bidding war for homes in decent school districts in the suburbs, and the authors have the statistics to prove it. Even if I can't control some recommended solutions like implementing a limited school voucher program, there were about 20 pages of tips for the individual consumer. Besides, just understanding the mechanics of the family economy has given me plenty of food for thought. And if you are looking for a step-by-step guide about gaining control of your home finances, try Dave Ramsey's Total Money Makeover.
Stretching Too Far For The American Dream.......2006-10-27
I believe one insightful portion of the dedication to this book sums up its thesis best:
"..dedicated to all parents who wake up with hearts thudding over the possibility that buying school shoes and Girl Scout uniforms will mean that there won't be enough left over to pay the mortgage... They travel anonymously among us, but we know them. They went to college, had kids, bought a home, played by the rules- and lost."
This is not the first time that Elizabeth Warren has sounded the alarm about stable, hard-working people going under in droves. Indeed, the contents of this book are actually a graphic, terrifying distillation of two previous books written by Prof. Warren (in collaboration with Teresa Sullivan and Jay Lawrence Westbrook) chronicling the rapidly evolving disaster of consumer bankruptcy in America. The first book, As We Forgive Our Debtors, was an outgrowth of the US Consumer Bankruptcy Project, and looked at all of the key players in consumer bankruptcy, focusing in particular on bankrupt debtors and their creditors; it was very academic in nature, which may have explained its tepid reception in the marketplace (however, I suspect the very incendiary comments and conclusions all throughout the book rankled quite a few feathers in the banking industry, and may well be the real reason the text was conspicuously ignored). The second book, The Fragile Middle Class, focused exclusively on bankrupt debtors, and looked closely at the fallout associated with consumer bankruptcy for several reference groups; it was less academic and more activist in tone, and actually preceded The Two Income Trap in sounding the alarm about US consumer bankruptcy.
The Two-Income Trap also sounds the alarm, and zeroes in on the reference group everyone would readily say is most likely NOT to go bankrupt: two-income, solidly middle-class mothers and fathers with kids and a home in the burbs. This book, much like the ones before it, dispells the prevailing myths that the bankrupt are ignorant, low-income deadbeats, unrepentant spendthrifts who take advantage of a far-too-lenient system with giddy glee, and have no control over their impulses. Instead, each book has demonstrated that the bankrupt have to have a fairly high degree of financial savvy to even consider bankruptcy, that the majority of the bankrupt are solidly middle class, that most got in over their head in a situation far beyond their control, and all are profoundly embarassed by their bankruptcy, which all of them see not only as a financial failure, but also a personal one, as well.
Yet, it is also clear to me that the spirit of activism, which was subdued in As We Forgive Our Debtors and quite forceful in The Fragile Middle Class, is not only alive and well in this book, but also very loud, and very clear; indeed, the activist tenor is quite torrential in this narrative. The authors, both women, clearly have written a book to discuss the plight of a particular reference group: middle class women, be they married, single or divorced, with children. This reference group has quickly become the single biggest cohort represented in the bankruptcy rolls. In the book, the authors go so far as to imply that women's liberation has resulted in more than a few of their sisters ending up in the poorhouse.
Having previously read Lionel Tiger's The Decline of Males, and Warren Farrell's insightful books, Why Men Are The Way They Are and The Myth of Male Power, I found the contents of this book (and the authors' aforementioned implication) most interesting. I submit that equality of the sexes has finally been achieved, albeit in a most peculiar and unorthodox way- via financial insecurity, as nowadays it apparently knows no gender difference. Though my intention is to be partially humorous, I realize that more than a few will take offense at such a comment, but my main thrust is this: what we see before us is all part of a larger plan to reinstate the New And Improved Feudalism upon the masses. Call me crazy if you like, but before you pass judgment, I strongly suggest that the intelligent, thinking individual read Robert Manning's Credit Card Nation for more insight into my claim.
For many, the pursuit of the American Dream (which many would say was a cute little myth in any event) has devolved from an honest chance at a guaranteed title shot, to little more than a gamble with one's finances resembling Russian Roullette with an interesting twist: instead of one chamber holding a live round, five chambers have live rounds. Lose a job, miss a payment, and you can kiss your house and your middle class existence goodbye.
Frankly, this game's too rich for my blood, and I think I will pass...
Insightful in some respects, off-base in others.......2006-10-15
I thought that the book had some interesting things to offer, like their information on the dramatic increase in housing costs, as it relates to public education. They also note that people aren't spending as much on "extras" as we tend to think, but rather, that families are spending more on housing and cars and such. However, the book also seems to make excuses for poor or lacking financial planning. Upon the birth of one baby, a couple suddenly "needs" a large car with four doors because the baby might eventually have a sibling? Wouldn't it make more financial sense to wait on purchasing the more expensive car if one does not currently have a need for it?
And while families may be spending the bulk of their money on the acceptable purchase of a house instead of designer handbags, the fact remains that each family tends to buy the most expensive house that their current income can afford, leaving little to no room to account for emergencies.
Amazon.com
In these times of massive credit card debt and stagnating incomes, filing for bankruptcy has become the only relief for thousands of people. The information in How to File for Bankruptcy is so complete that a person can file virtually on his own, without needing to hire a lawyer. By no means does the book encourage filing for bankruptcy, but it will help anyone in serious financial trouble determine if bankruptcy might be a sensible course to take, and examines what kind is appropriate for different individuals. All of the necessary forms are included, complete with explicit directions. Like all Nolo Press titles, this is a straightforward, no-nonsense book of useful advice and specific guidance, written in clear, easy-to-understand language.
Book Description
If overwhelming debts are weighing you down, turn to How to File for Chapter 7 Bankruptcy. Acclaimed by experts nationwide, the latest edition reflects recent (many say drastic) changes to bankruptcy law. Use it to find the clear information, advice and forms you need to get through the entire process.
First, How to File for Chapter 7 Bankruptcy will help you determine your qualifications for Chapter 7, and whether it is the best way to deal with your debts. Then you'll find out how to:
- stop wage garnishments and attachments
- fill out and file all the forms
- cancel as much debt as possible
- deal with secured debts
- keep the maximum amount of property
- keep your home, if possible
- rebuild credit after bankrutpcy
How to File for Chapter 7 Bankruptcy includes the legal forms you need, plus line-by-line instructions to fill them out. Easy-to-use charts make looking up the laws of your state a snap.
Customer Reviews:
Great.......2007-07-17
I'm surprised on the great quality. Nice packaging and fast delievery helped allowed me to get right to work. Thank you.
This Could Be The Right Book For you.......2007-06-29
If you are considering personal bankruptcy, will satisfy the new means test or have a steady w-2 income you may want to file bankruptcy under Chapters 7 or 13. If you are considering one of the chapters, this is a great book for you. For businesses or individuals with more substantial assets or income, the appropriate Chapter would be Chapter 11. The book that I like on that subject is Chapter 11 Business Reorganizations: For Business Leaders, Accountants And Lawyers
Very helpful resource.......2007-04-25
This review refers to the 13th edition of the book, which does cover the new bankruptcy law revision of 2006. Please read the editorial and customer reviews as to why this book was so helpful.
The author does a good job explaining how to file your own bankruptcy "pro se" (which means you are your own attorney and responsible for finding the answers to your own legal questions.)
At the time the 13th edition was printed, the author didn't know if any of the state bankruptcy courts would grant an indigent filer relief from the bankruptcy filing fee. This is because there was a difference between the federal agency that created the exemption document and the agency that says such requests can be granted. Apparently, this difference of opinion has since been resolved. In my state, Washington, the judge did grant me exemption from filing the court fee, a savings of over [...].
My bankruptcy was a pretty straightforward chapter 7, even though I had taken out a business license as a sole proprietor. As I had no clients and no business income, I could go ahead and file as an individual.
The author commends the reader for having taken charge of their financial crisis and having made the difficult decision to file for bankruptcy. It would also have been helpful if he'd included a few helpful tips on emotional and mental preparation. For example, people under stress tend to forget commen sense advice like: get enough sleep, exercise, and healthy food. Organize all your financial records in a quiet and neat environment, etc. Write down what you've done and what you need to accomplish. And so forth.
In my case, because I could have been better organized, I ended up paying two times a [...] amendment fee because I forgot to include all creditors on my mailing matrix and other related forms.
(As a side note, many credit card companies own their own credit collections agencies with completely different names. To be on the safe side, list both the original creditor and the "collection agency" that they supposedly "sold" the debt to in your bankruptcy forms. However, when totaling the debt, do not count the same amount twice. On your mailing matrix, include both the orginal creditor and any collection agencies they have sold their debt to. This will cover your [...]. If you list only the collection agency and not the original creditor, you might be responsible for paying off the debt because the orignal creditor wasn't listed in your bankruptcy forms.)
Student loans are usually not discharged but you should go ahead and list them anyway so the judge knows your total debt load.
Most filers choose to hire an attorney. I was one of three people who chose to go "pro se" out of over 30 filers. That really surprised me. My meeting with the trustee lasted less than five minutes.
Just because someone goes with an attorney doesn't mean that attorney will be complete and thorough. I witnessed two attorneys who did not properly prepare their clients for potential questions the trustee asked, all of which are described in this book in a special listing. In my case, the trustee did not ask all the questions listed in the book but I was sure glad the author listed them so I could be prepared in case he did choose to ask them. Did those people get their money's worth? I don't know.
The creditor's meeting is when you can tell the trustee if there have been any changes since you first filed for bankruptcy. Since this meeting is recorded now is the time to tell them. In my case, I reported assets I had failed to list (hobby supplies [...]), assets that had been stolen from my home this month, and a car I no longer owned as it had been auctioned off by a towing company.
The two biggest reasons people file for bankruptcy are medically related and poor credit card usage. Both those reasons fit my profile. I cut up all my credit cards and now use only my debit card, cash, or checks. I now have a financial budget and feel like a load has been lifted off my shoulders.
The only reason I have for repairing my credit rating is if I choose to buy a house. At this time I don't have any plans for doing so. However, for those who do want to improve their credit score, your best bet is to see if your local credit union or bank will give you a secured credit card, which will only allow you to "charge" amounts that you have placed in a special account tied to the card.
The new law states that filers must take a pre and post budget class. Each cost me [...].
If you choose to go "pro se" but hire a typist to prepare your documents, you are still responsible for all the information contained in the forms.
Beware that your filing is public knowledge. I was surprised at the number of predatory lenders that sent me mail immediately after I filed. There was also one attorney who sent me a solicitation letter. You must shred all these letters for your own good.
Most updated Chapter 7 Bankruptcy book.......2007-01-05
This is the most recent Chapter 7 Bankruptcy book from NOLO, published May 2006.
Another one will be published April 2007, ISBN 1413306276.
I trust Nolo books with my eye closed, their legal content is totally updated ! ... I am a big Nolo fan!used many of their books!
Check out The New Bankruptcy - Will it Work for You?
Out-of-date, but still good for background material........2006-01-13
Stephen Elias et al., How to File for Chapter 7 Bankruptcy, Twelfth Edition (Nolo Press, 2005)
Well, I missed the boat on this one. I'd hoped the 2005 12th edition would cover the bankruptcy law changes in some detail, but nope-- this one still covers the old laws. If you're thinking about filing for bankruptcy now, you will likely be better off waiting for Elias' new one, he New Bankruptcy: Will It Work for You? (Nolo, 2006).At this point, it really only has value as an archival document, or something you pick up for background reading while waiting for the new book (after all, not everything in bankruptcy law has changed; you'll still get some valuable info out of this).
The book does an excellent job of explaining why, in general, you don't really need a lawyer to file Chapter 7. Elias etc. go through the forms line-by-line, with copious explanation and recommendations of when you will need a lawyer based on your answers to a number of the questions.
Solid stuff, I just with I'd gotten to it earlier. Now, I'm in the same boat you are-- waiting for the new one (which was supposed to drop Dec. 19, 2005, but oesn't seem to have seen the light of day yet). *** ½
Book Description
With juries giving out million-dollar awards for such things as spilt coffee and harassment, anyone with assets must realize that what has taken a lifetime to earn can be lost in an instant. Our legal system has become a lottery in which lawyers finance claims against anyone with money. This book explains in simple language how anyone with any assets can best protect them against any type of claims.
After seeing how unfair the legal system has become, Attorney Mark Warda spent over a year and a half studying every type of asset protection plan available, from the homestead exemption to the offshore trust, from the most court-protected to the clearly illegal, and from the cost-free methods to the most expensive schemes. This book is the result of that research.
In simple language, it explains what works, what doesn't and why. It provides asset protection plans for every need, from the simple and cheap to the complex and expensive. It explains the three main ways to keep your assets out of reach of creditors and the five most important rules for being sure they work. It includes a summary of the law for each state and explains how to do more research to keep up to date.
If you own any assets you do not want to lose to a creditor, you need this book!
Customer Reviews:
Empowers Producers Against Moochers and Looters.......2006-02-27
From the aptly named Galt Press comes the Complete Guide to Asset Protection Strategies by Mark Warda, Attorney at Law. In modern America, no one remains safe from frivolous lawsuits. A person's entire life savings can vanish overnight thanks to a tort system that rewards envy and careless living. The American legal system authorizes tort lawyers to work on contingency fees with no penalty other than wasted time if they lose but huge payoffs if they win. This arrangement encourages the filing of frivolous lawsuits against easy yet wealthy targets. According to the author:
"The system is much more favorable to people filing suit than to people defending themselves. ... In England the loser must pay the winner's attorney fees, so only serious claims are filed. But here there is no risk to bringing a weak or even false claim. It is so expensive to defend a suit that often innocent people pay a large settlement rather than pay twice as much in attorney fees to win. ... England (and most other countries) forbid contingent fees for attorneys."
Producers work their entire lives, saving, investing, and building their net worth, only to have such a disaster strike. Under these conditions, the wise producer prepares for the worst by acquiring the knowledge he needs to protect his assets and then acting accordingly. This book offers such knowledge.
Warda divides his book into six sections:
1. Overview of Asset Protection Planning
2. Shielding Yourself Against Claims
3. Protecting Property in Your Name
4. Taking Property Out of Your Name
5. When Disaster Strikes
6. Your Immediate Action Plan
In total, 51 chapters articulate the content of these six powerful parts of an overall asset protection plan. In addition, Warda includes two appendices that delineate asset exemptions by state as well as offer camera-ready legal forms to help the reader to "cover his assets."
Whether you currently own your own business or work for an employer, whether you find yourself currently single or married, parenting or childfree, wealthy or poor, you need to make plans now to accumulate, title and protect your assets. Doing so can literally allow you to retain control and use of large portions of your wealth even if, as a last resort, you declare bankruptcy. According to Warda:
"Some have said that bankruptcy is too easy and that people with millions of dollars in exempt assets are abusing the system. I dare say that people who are being awarded millions of dollars for such things as "emotional damages" by using psychological profiles of jurors are no less guilty of abusing the system. Your use of bankruptcy can cure the abuse of a creditor's misuse of the courts."
Producers, en garde! Begin now to defend your wealth against the looters and moochers who would snatch it from your coffers! Your assets will thank you for it.
Readable overview of a variety of asset protection techniques.......2005-11-08
Describes a number of asset protections strategies, and for the real estate owner, explains how to combine the strategies together to potently isolate your liabilities and defend your assets. Read together with his book on land trusts.
Disappointing Regurgitation of Old Ideas.......2004-10-23
I was very disappointed with this book, and only after reading it did I find out that Warda doesn't even practice in the area of asset protection, but instead just cranks out "self-help" type book (over 60, according to his own plug). The old phrase "Jack of All Trades, Master of None" seems to be particularly applicable to Mr. Warda's knowledge of asset protection, which translates into little more than a re-write of other (now outdated) works from last century. I guess you'll buy this if you want the entire Warda-on-everything collection, but take a pass if your specific interest is asset protection.
Book Description
The number of new personal bankruptcies filed each year continue to increase. And there is no relief in sight. Bankruptcy is never a painless or easy decision, but with a little know-how, you can get through this process with a minimum of headache, heartache, and indigestion. With a clear focus towards the future, you can then begin to get your finances—and your life—back in order.
If you’re considering bankruptcy, are currently in the process of filing for bankruptcy, or on the brink of bankruptcy and looking for a way to get through debt, Personal Bankruptcy For Dummies can help you make the best decisions about your financial future.
Personal Bankruptcy For Dummies is a nuts-and-bolts toolbox, which covers both Chap7 and Chapter 13 bankruptcy. Written by two seasoned experts on bankruptcy law, this easy-to-follow guide walks you through the bankruptcy process and explains how to rebuild your credit after filing for bankruptcy. Straightforward answers and re liable advice can help you sort out all of your possibilities, with a clear understanding of what you have to gain and what’s to lose. This carefully written guidebook will show you how to:
- Consider alternatives to bankruptcy
- Decide which type of bankruptcy is right for you
- Prevent further financial damage before filing for bankruptcy
- Defend yourself from bill collectors and the IRS
- Save your home and other important assets
- Wipe out credit card debt
- Use bankruptcy to deal with tax debts
- Repair your credit and stay out of financial trouble
Filled with expert tips and tactics for navigating the world of bankruptcy, Personal Bankruptcy For Dummies gives you the ammunition and information you need to intelligently and confidently choose your own best path and get back on your feet again.
Customer Reviews:
You'll ease your stress if you use the advice in this book.......2005-05-05
Jim and John have a wonderful way of making you feel like you're sitting down at your kitchen table with a bankruptcy attorney who only has your best interests at heart. They don't pull any punches, and sometimes what they tell you isn't what you really want to hear, but you know they're giving you solid advice. Your anxiety level will plummet if you are thinking of filing bankruptcy and are looking for someone to hold your hand through the process.
Paula Langguth Ryan, Author, Bounce Back From Bankruptcy, 3rd Edition
Absolutely Incredible.......2004-07-31
Very solid, down-to-earth advice, and they make you feel a little bit better about yourself.
Good Book.......2004-05-09
Good book although some aspects are very general. See also Surviving Financial Disasters By Tiffany R. Love it comes with a CD ROM.
Indispensable primer for anyone considering bankruptcy.......2004-02-06
This tome is an absolute godsend for those who are considering filing for bankruptcy yet may not know much about the process. This book covers all the bases concerning Chapter 7 and Chapter 13 bankruptcy filings. From common mistakes and misconceptions to the highly specific legalese of bankruptcy law, this book addressed nearly every one of my concerns about this complex and emotionally challenging process. I opened the front cover a bankruptcy know-nothing and set it down feeling like an attorney.
This is not a DIY guide to financial rebirth (in fact the authors highly discourage this), but more of an "Everything-You-Ever-Wanted-to-Know-About-Bankruptcy-but-Were-Afraid-to-Ask" reference. The authors do not delve into the minutia of the process. They seek to be more like tour guides, leading you through the perilous wilds of US bankruptcy law with their collective wealth of knowledge on the subject. I found more useful information in the first 10 pages of this book than I did in six hours of web-surfing.
The most superlative compliment I can bestow upon this volume is that it helped to allay my fears and crystalize my plans for my financial future.
Finally, an understandable bankruptcy book!.......2003-08-22
This book is clear, concise, understandable and even funny at times. The authors have done an incredible job of taking a very complicated topic and making it understandable for a lay audience. At the same time, they avoid talking down to the reader.
Personal Bankruptcy for Dummies is, first and foremost, a very useful tool for anyone even thinking about bankruptcy. It answers all the questions without preaching or browbeating. It ought to be read by every potential bankruptcy client before they meet with a lawyer.
Book Description
With tips on understanding — and surviving — the new bankruptcy laws
If you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all — so you can get your finances in line and your life back on track. This updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. Don't get desperate — get out of debt instead!
Discover how to
- Weigh the consequences of bankruptcy
- Manage your spending
- Find professional help you can trust
- Decide on the right type of bankruptcy
- Pass the means test
- Keep more of your stuff
Download Description
An updated edition of the successful guide with coverage of the new bankruptcy laws The Second Edition of Personal Bankruptcy For Dummies is fully updated with new resources and features full coverage of the new corporate-sponsored bankruptcy bill, which makes it harder than ever for people to seek relief through bankruptcy. Personal Bankruptcy For Dummies helps readers decide whether filing for bankruptcy is the right choice for them and, if it is, which type of bankruptcy suits their personal situation. Written by seasoned experts on bankruptcy law, this simple guide walks readers through the bankruptcy process and explains how to rebuild credit afterwards. Plus, the book also helps people deal with creditors and the IRS before they find themselves facing bankruptcy. James P. Caher (Eugene, OR) is an expert on consumer bankruptcy and a practicing bankruptcy lawyer with 25 years of experience. John M. Caher (Albany, NY) is a legal journalist who has written about law and the courts for most of his 20-year career.
Customer Reviews:
Before You Buy.......2007-06-29
For individuals with modest w-2, you will probably file under Chapters 7 or 13. The New Bankruptcy: Will It Work for You? (2nd edition) covers those Chapters well. For businesses or individuals who own businesses or have higher incomes or net worth, the choice will probably be Chapter 11. A great introduction to Chapter 11 is Chapter 11 Business Reorganizations: For Business Leaders, Accountants And Lawyers.
Book Description
The first available do-it-yourself guide to bankruptcy using the new 2005 Bankruptcy Act, includes all of the necessary official forms and instructions. Valid in all 50 states and Washington, DC.
Customer Reviews:
A "user friendly" instructional introduction and guide to the new 2005 Bankruptcy Act.......2006-05-05
This completely updated fourth edition of Personal Bankruptcy by bankruptcy attorney Daniel Sitarz is a "user friendly" instructional introduction and guide to the new 2005 Bankruptcy Act and the process of properly proceeding a declaration of bankruptcy. Providing readers with official files and forms, checklists and questionnaires, sample completed forms, and particular state exemption lists, Personal Bankruptcy is the essential reference tool as a legally valid production for all fifty states for the non-specialist general reader considering the invocation of bankruptcy to set in order their financial affairs. Personal Bankruptcy is very strongly recommended, especially for those hoping to correctly and lawfully engage in the process of filing for bankruptcy and are searching for a thorough and reliable study on how to proceed.
Book Description
For many people, the word bankruptcy carries negative connotations. Yet, if you are one of the millions of Americans who is facing massive credit card debt, stagnant income, or sudden unemployment, bankruptcy may be the best answer to putting your finances on the road to repair.
Often viewed as a disaster, bankruptcy is, in fact, a rescuer. Unlike other books on this topic, which take a dry, mechanical approach, The Bankruptcy Solution helps you get past the shame around debt and make the law your ally when you are faced with financial hardships.
The Bankruptcy Solution shows you how you can: ·Prepare for filing bankruptcy
·Deal with collection agencies
·Understand which debts you should pay off first
·Repair your credit after bankruptcy
·Find the right attorney
You'll also learn about the laws that can affect—and often help—you if you file for bankruptcy:
·Bankruptcy Reform Act
·Fair Credit Reporting Act
·Fair Debt Collection Practices Act
Written in an approachable style by expert bankruptcy attorney Peggy Palms, The Bankruptcy Solution gives sound advice on whether or not bankruptcy is the right choice for you—and helps you get through this stressful process with your head held high and your sanity intact.
Customer Reviews:
Good book to read when you are considering your options.......2007-05-17
My husband and I had already filed for bankruptcy when I came across this book, so a lot of the advice given about contemplating bankruptcy didn't apply to us. However, her explanation of the bankruptcy process really helped us understand what we were getting into (and out of). I would definitely recommend this book to a reader who doesn't know what to do with their financial situation.
Great Legal Information.......2004-11-30
There are three great books on the market today and I say don't shop around any more. The two best bankruptcy books on the market have been written by women. I purchased Peggy Palm's book first and found it very informative and insightful. I'm attempting to the stop foreclosure of my home. I then purchased Tiffany Love's book, surviving financial disasters, to get the bankruptcy forms on CD Rom and then learned that she too filed for bankruptcy and included her legal pleadings. If you want to stop foreclosure, get Ms. Love's book for sure as it is "hands on", but I find myself frequently referring back to the information in Peggy's to gain an additional perceptive. Money Troubles is another great book that provides wonderful information and exceeds the scope of Peggy's book, because it covers everything inside and out of bankruptcy, like Tiffany's book. Which some people I think may find too technical, but if you're doing battle like I am with creditors the information is right on target. All three will cost you less than $100 far less than an attorney's consultation fee. My verdict: Peggy's book for the legal advice, Tiffany's book for insight and roadmap, Money Trouble for everything else even after bankruptcy. The others are crap!
Excellent for Debtors.......2004-07-20
This book is for anyone contemplating bankruptcy. Peggy Palms does an excellent job of describing, to the debtor, the ins and outs of filing bankruptcy. This is the first book of its kind that helps debtors (not creditors) understand the bankruptcy process without feeling ashamed or embarrassed. I would recommend this book to ANYONE experiencing financial problems. It releived a tremendous amount of stress from my life and gave me hope. Peggy Palms is wonderful.
The Bankruptcy Solution.......2003-10-25
Sunday I purchased six books on Bankruptcy, read this one first and didn't bother reading the others. It was so real, truthful, and as we say in the Caribbean, down to earth, connotating a Holistic coverage. This book will help me as I work to fight for bankrutpcy reform in my country. I recommend it anyone facing financial problems or wanting to know more about bankruptcy from the perspective of an experienced, practicing attorney who seems to care about people in trouble.
A Real Page-Turner..........2003-09-13
If you or anyone you know is considering filing for bankruptcy, "The Bankruptcy Solution" is a must read! It stands out from the few others I have purchased/read because it answers almost every question one may have regarding Chapters 7 and 13. Also, Ms. Palms addresses bankruptcy matters with a no-nonsense, dignfied attitude. Other books make the reader feel shameful about bankruptcy issues, whereas "The Bankruptcy Solution" gives one hope for life after a BK. After reading this page-turner, you will hold your head high. My only regret is that Ms. Palms is unable to represent me(I live across the country from where she practices)!
Book Description
Bankruptcy has either completely or partially discharged your debts. On the other hand, your bankruptcy also will have some unpleasant side effects. But the most important fact about your bankruptcy is that it has given you an opportunity to retake control of your financial life. "Live a Richer Life" was written with the bankruptcy filer in mind but the principles and practices discussed in this book are valid for any person who is interested in long-term financial health.
Books:
- Diabetes Burnout: What To Do When You Can't Take it Anymore
- Economic Capital Allocation with Basel II: Cost, Benefit and Implementation Procedures
- Empire of the Bay: An Illustrated History of the Hudson's Bay Company
- Encyclopedia of the United States Cabinet: (3 Volumes)
- FDA Regulatory Affairs: A Guide for Prescription Drugs, Medical Devices, and Biologics
- FEMININE MISTAKE, THE: ARE WE GIVING UP TOO MUCH?
- Financial Management: Theory and Practice with Thomson ONE
- Get More Money on Your Next Job: 25 Proven Strategies for Getting More Money, Better Benefits, and Greater Job Security
- Grand Avenues: The Story of the French Visionary Who Designed Washington, D.C.
- History: Fiction or Science? (Chronology, No. 1)
Books Index
Books Home
Recommended Books
- Telecommunications for Managers
- Every Second Counts
- Tolerance Design: A Handbook for Developing Optimal Specifications
- 101 Ways to Improve Your Communication Skills Instantly, 4th Edition
- Cisco LAN Switching
- Fade to Black: A Book of Movie Obituaries
- Fear and Loathing in Las Vegas: A Savage Journey to the Heart of the American Dream
- Readings Introduce Accounting 1
- World Economics 2: The Political Economy of Development Globalisation and System Transformation
- A Colour Atlas of Anatomy Small Laboratory Animals: 2 Volume Set
General
| Business & Investing
| Subjects
| Books
Do You Make These 38 Mistakes with Your Credit? How increasing your credit scores will improve your lifestyle
Bounce Back From Bankruptcy: A Step-by-Step Guide to Getting Back on Your Financial Feet, Third Edition
The Complete Idiot's Guide to Surviving Bankruptcy (The Complete Idiot's Guide)
Credit Repair: What the Credit Industry Doesn't Want You to Know
The New Bankruptcy: Will It Work for You? (2nd edition)
