Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy

Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
Average customer rating:

The Book Is Actually An Ad For His $497 Course

Bankruptcy

Bankruptcy

Waste of money

light at the end

Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
Stephen Snyder
Manufacturer: Bellwether Publications
ProductGroup: Book
Binding: Hardcover

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ASIN: 1891945009

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

Average customer rating:

Buy it and Save $$$
Great book
Excellent! Very Informative
Low on Substance
This is the best resource currenty available ...

How to Settle Your Debts
norman H. Perlmutter
Manufacturer: Southern Mountains Press
ProductGroup: Book
Binding: Paperback

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ASIN: 0972396322

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.

How to Get Out of Debt, Stay Out of Debt and Live Prosperously*: *(Based on the Proven Principles and Techniques of Debtors Anonymous)

Average customer rating:

Easy and thoughtful way to clear your debt and free your life
LIVING PROOF
Please read, it will teach you how to help yourself
Get Out of the Red and Into the Black
Only for people in serious debt with no knowledge of finances

How to Get Out of Debt, Stay Out of Debt and Live Prosperously*: *(Based on the Proven Principles and Techniques of Debtors Anonymous)
Jerrold Mundis
Manufacturer: Bantam
ProductGroup: Book
Binding: Paperback

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The Budget Kit: The Common Cents Money Management Workbook (Budget Kit)
Currency of Hope
Credit Card Debt:
Earn What You Deserve: How to Stop Underearning & Start Thriving
Pay It Down! : From Debt to Wealth on $10 a Day

ASIN: 0553382020
Release Date: 2003-01-01

Amazon.com

Millions of consumers have become trapped in a spiral of debt, but there is hope. If you wants to free yourself from the shackles of debt, this book is for you--it can help you "get out of debt, stay out of debt, and live prosperously." Jerrold Mundis writes in a friendly, engaging style, urging readers to stop the cycle of spending. Mundis knows what he's talking about--he, too, was once thousands of dollars in debt and didn't know where to turn. Anecdotes from Debtors Anonymous folks, plus multiple examples from the writer's own life and ledgers, make How to Get Out of Debt an encouraging read, not a condescending one. Once you start your program, you may want to periodically reread some chapters for inspiration--and fun.

Book Description

With up-to-the-minute information . . . And an all-new preface by the author!

Out of the red . . .

• Do this month’s bills pile up before you’ve paid last month’s?
• Do you regularly receive past-due notices?
• Do you get letters threatening legal action if immediate payment is not made?
• Do the total amounts of your revolving charge accounts keep rising?

Into the black . . .

Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans--from doctors to secretaries, from executives to the unemployed--face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn:

• How to recognize the warning signs of serious debt
• How to negotiate with angry creditors, collection agencies, and the IRS
• How to design a realistic and painless pay-back schedule
• How to identify your spending blind spots
• How to cope with the anxiety and daily pressures of owing money
• Plus the three cardinal rules for staying out of debt forever, and much more!

This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.

Customer Reviews:

Easy and thoughtful way to clear your debt and free your life.......2007-09-29

What I liked best about this book is that it's real. It doesn't sugar-coat the frustration and even embarrasment that you can feel when you find yourself 30,000 or more in debt. But it doesn't simply rub your hand and tell you to "manifest" prosperity either. Frankly, putting too much energy into the law of attraction is likely how we get ourselves into all this debt - trying to be like "everyone" else.

I digress.

The book puts out some straightforward steps for you to follow. Follow them and you'll eventually get out of debt. Not tomorrow. And without having to pay some userer for "debt consolidation counseling" either. But it's work.

I liken it to losing weight - you have to change you're whole mindset and make small, positive changes every day in order to acheive your goal. The same principles apply here. Make changes every day. Don't debt any more and follow the plan. No magic bullet - but haven't you realized they don't work anyway?

LIVING PROOF.......2007-09-01

Just 6 years ago (2001), I found myself under crushing student loan and credit card debt. You would be blown away by how much debt I'd amassed. I'd lost my job and the creditors were calling. My life quickly fell apart. I was depressed, anxious and mentally paralyzed, not knowing how to take back control. Creditors were calling every five minutes it seemed, yelling at me, threatening me. I was broke, and broken-hearted at where things were in my life. I even had to move back in with my parents which was humiliating. I read a lot of books on finances and two of them made all the difference in the world, "How to Get Out of Debt, Stay Out of Debt and Live Prosperously," and "Rich Dad Poor Dad." "Rich Dad" was about concepts and changing the paradigm of how I looked at money. "How to Get Out of Debt" was very, very specific with HOW to get out of debt and GET RICH SLOWLY. Reading "How to Get Out of Debt" was like my first day of sobriety. I had no idea that I even had this debting habit, as dumb as that may sound. I was reading the book, going "wow--that's me!" I applied the BACK TO BLACK principles, day by day, month by month, year by year. And now, 6 years later, I celebrate my first full year of ownership in my first home--which seemed an impossible dream just two years ago. I own my car outright. I have zero credit card debt. And my overall student loan debt has been reduced by at least 40%. I pay cash that I've saved for things that I need. I PAY MYSELF FIRST! (this is a key principle in both books). And believe it or not, I haven't had a credit card in about 10 years now--I use a Visa checkcard. Without a credit card I've traveled to Europe, Mexico and Central America, rented cars, and paid for emergencies. And I don't live impoverished. I just live within my means, and pay cash with money saved. It's a complete myth that you need a credit card to survive. This book helped me to understand that. It was also very specific as to what happens if a creditor takes you to court or ruins your credit, which are probably the two biggest threats they have over you. Knowledge made all those things less scary. Ultimately, I would say this book is about how to replace unhealthy money habits with healthier ones. If this book cost $1,000, it would still be worth it. At $10, it's a blessing.

Please read, it will teach you how to help yourself.......2007-07-17

If you are like me and you are trying to pay your bils and debts in a responsible and timely manner..this book is for you. I have read some of the other " financial authors" out there and I always felt lost and that there advice was just out of my needs..this book was right on. After I followed the spending plan record ( Wow, do you honestly want to know what you are spending, this will open your eyes) and wrote all my debts down in black and white, I feel that I can tackle all my money issues in a clear and concise manner.
After following this plan, I am now ready to move on to retirement planning, college savings, etc. If you are trying to get through today so you can get to tomorrow, this financial guide is for you.

Get Out of the Red and Into the Black.......2007-07-03

Plain and simple, How to Get Out of Debt, Stay Out of Debt & Live Prosperously is one of the best contributions to the personal finance realm. Why do I say that? Because, in no uncertain terms, it addresses circumstances that most people in our society find themselves - deep in debt, digging deeper, and dealing, in silent desperation, with the repercussions.

In an era where consumers often finance their lifestyles with credit cards, use their homes like ATM machines, and, ultimately, make consumer credit counseling a booming business, Jerrold Mundis explains how our emotions and habitual thinking have put, and kept, many of us on the path to financial ruin.

The genius of this book, however, is its backbone: the principles of Debtors Anonymous. Though we may hate to think of it, habits of a lifetime do take work to change, ignoring does Madison Avenue take emotional strength, and dealing with the issues debt often engenders can be really tough. But, this book offers hope, and support, to those who heed its message.

Bottom line: no matter where how deep in debt you are, there is a way out if you keep your head and keep moving forward. And, Mundis can help you do it, if you follow his three cardinal rules: 1) don't debt one day at a time, 2) Keep a spending record scrupulously, and 3) adhere closely to your spending plan.

All in all, How to Get Out of Debt, Stay Out of Debt & live Prosperously can be one of the best additions to your financial library, whether you are in drowning in debt or not.

Only for people in serious debt with no knowledge of finances.......2007-06-21

For my situation, this book was too rudimentary. I was looking for something that would give me startegies on how to payoff debt quicker. This book is not really about ways to payoff debt. It is more about learning how to spend less and seemed to be more of an advertisement for Debtors Anonymous. Things like "Try to go one day without using your credit card"... not for me. If you're in really bad shape and spend and spend without any way to stop then seek professional help, don't rely on this book. If you're like me and just looking for ways to reduce your outstanding debt quicker, look elsewhere, this is not the book for you.

Average customer rating:

Inspirational & Practical
Hope and inspiration PLUS ideas
Bringing hope for people with debt and money problems

Currency of Hope
Debtors Anonymous
Manufacturer: General Service Board of Trustees, Inc.
ProductGroup: Book
Binding: Paperback

Budgeting & Money Management | Personal Finance | Business & Investing | Subjects | Books

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How to Get Out of Debt, Stay Out of Debt and Live Prosperously*: *(Based on the Proven Principles and Techniques of Debtors Anonymous)
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Earn What You Deserve: How to Stop Underearning & Start Thriving
Money Drunk, Money Sober; 90 Days to Financial Freedom

ASIN: 0970323808

Book Description

First publication by the Debtors Anonymous 12 Step Fellowship. It describes the basics of the D.A. recovery program and includes 38 success stories of D.A. members. It offers experience, strength, and hope to help other compulsive debtors and all those who want to stop incurring unsecured debt, such as credit cards, unsecured loans, personal loans, unpaid taxes, and more.

Customer Reviews:

Inspirational & Practical.......2001-08-23

This book gives both practical information on a very popular and much needed self help program, Debtors Anonymous. The contributors tell their stories of hope and inspiration of what led them to get into debt and how they got out of debt. It also gives many suggesions for folks who are 'underearners.' People who underachieve and don't earn enough to live on or don't earn up to their potential. HIghly recommended.

Hope and inspiration PLUS ideas.......2001-07-29

A truly remarkable book full of hope and inspiration for anyone who is in debt and wants to get out. The stories of how others have done it offer so much encouragement while providing practical ideas to make the day to day decisions easier. It's full of examples of how reversing the debting dilemma changes other areas of one's life. A must read if you feel hopeless and helpless about your financial situation.

Bringing hope for people with debt and money problems.......2001-06-13

This program and this book changes peoples lives! It gives the reader inspiring stories of hope from people recovering from debt problems, bankruptcies, compulsive spending, and living in deprivation. The moving accounts of people turning their financial lives around in the context of this 12-step program truly shows how we can recover from compulsive debting. I have read this book numerous times and each time I am given another gift of hope. If you can't get to a Debtors Anonymous meeting, this is the best resource for you. Excellent!!

Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know

Average customer rating:

Worth the price
Decent Book
Collection Agency Harassment: - ok
Empowering!
This Book Says It All!

Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know
Richard L. DiMaggio
Manufacturer: Archimedes Press, Inc.
ProductGroup: Book
Binding: Paperback

Credit Ratings & Repair | Personal Finance | Business & Investing | Subjects | Books

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How to Settle Your Debts
To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors
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Credit Repair: What the Credit Industry Doesn't Want You to Know
Talk Your Way Out of Credit Card Debt!: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees

ASIN: 0971711909

Book Description

Teaches consumers and their lawyers how to fight the debt collector! Author is a consumer protection attorney who has been suing the debt collector for over a decade. Learn their secrets. Learn their tricks. Learn how to sue them. Complete with sample complaints and End Notes.

Customer Reviews:

Worth the price.......2007-09-30

I used this book to successfully fight a $20,000 debt that was not even mine. It's true that debt collectors do not want you to know your rights. I wrote a total of 4 letters to the agency, gave them documentation on why I didn't owe it (proved that it had actually been paid off) and they left me alone. It even gives sample letters to write. I highly recommend this book based on actual experience.

Decent Book.......2006-05-26

This is a decent book. I am a 3L law student thinking of doing collections. This book is an excellent choice for the average person with no legal education. As a law student though I always expect more though but it does set out the basics in an unbiased manner with the law printed in the appendix. Definitely worth the price.

STAY AWAY from To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors by Stanley G. Hilton. I also purchased that book and it was horrible. Even as a 3L I know that many of the "solutions" he outlines are not realistic (suing a doctor for malpractice to stop a collection is pure insanity). Stick with DiMaggio's book.

Collection Agency Harassment: - ok.......2006-04-17

so -so review, Mostly common sense. But a few good tips on mounting a counter attack although it doesn't let you know the practicalities of enforcing the FDCPA, namely that federal and state agencies typically don't respond to your complaints except with a form letter and no action.

Empowering!.......2005-06-23

This book gave me the information I needed to take control. Collection agencies do not have a right to harass you when obviously you've hit a rough time. After reading this book I am no longer intimated by a letter or phone call because I now know my rights and how I can use them.

This book was a great source of education and empowering!

This Book Says It All!.......2005-04-05

I would first like to state that I read both of Rich DiMaggio's books: Credit Repair and the other, Collection Agency Harassment. I have also seen him speak. He is an outstanding speaker and a really intelligent man. When I get done listening to him, I finally feel like I have power over "the system". Truthfully--he would probably speak for your group, too, because he has a true passion about these subjects. He gives advice based on 15 years in the courtroom against the credit industry.

These are 2 distinct books, and should not be lumped into one category. There is overlap because debt collectors use our credit reports against us, but the similarities stop there. Mr. DiMaggio will teach you how to draft exacting letters of disputes, and where to send them. He explains the intricacies of the bankruptcy law, charge-offs, divorce, false identities, FICO scoring an more. I don't have a clue what Chrissy is saying about misleading titles. This book is the best I have seen.

(By the way, if you go to the web site, the author actually responds to emails!)

Forced Founders: Indians, Debtors, Slaves, and the Making of the American Revolution in Virginia (Omohundro Institute of Early American History & Culture)

Average customer rating:

Forced Founders review
FORCED ARGUMENTS
Who Were America's First Freedom Fighters?
A must read for anyone even attempting to study the era.
great read

Forced Founders: Indians, Debtors, Slaves, and the Making of the American Revolution in Virginia (Omohundro Institute of Early American History & Culture)
Woody Holton
Manufacturer: The University of North Carolina Press
ProductGroup: Book
Binding: Paperback

General | Americas | History | Subjects | Books

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All Titles | Qualifying Textbooks - Fall 2007 | Stores | Books

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ASIN: 0807847844
Release Date: 1999-07-05

Book Description

In this provocative reinterpretation of one of the best-known events in American history, Woody Holton shows that when Thomas Jefferson, George Washington, and other elite Virginians joined their peers from other colonies in declaring independence from Britain, they acted partly in response to grassroots rebellions against their own rule.

The Virginia gentry's efforts to shape London's imperial policy were thwarted by British merchants and by a coalition of Indian nations. In 1774, elite Virginians suspended trade with Britain in order to pressure Parliament and, at the same time, to save restive Virginia debtors from a terrible recession. The boycott and the growing imperial conflict led to rebellions by enslaved Virginians, Indians, and tobacco farmers. By the spring of 1776 the gentry believed the only way to regain control of the common people was to take Virginia out of the British Empire.

Forced Founders uses the new social history to shed light on a classic political question: why did the owners of vast plantations, viewed by many of their contemporaries as aristocrats, start a revolution? As Holton's fast-paced narrative unfolds, the old story of patriot versus loyalist becomes decidedly more complex.

Customer Reviews:

Forced Founders review.......2007-07-06

Woody Holton, in his book Forced Founders Indians, Debtors, Slaves and the Making of the American Revolution in Virginia argues that Americans weaned on the stories of the Virginia elite, who for ideological purposes decided a revolution was needed, are misinformed. Desperation was the true reason that Virginia, and the likes of Jefferson and Washington and the other privileged gentry, moved towards declaring independence from British rule. Their desperation was in response to growing pressures placed on the gentry class by other segments of society. Forced Founders is divided into four parts covering three time periods. The first two parts cover the time period that is essentially the decade after the Great War for Empire, from 1763-1774. The third part covers the years 1774-1775. The fourth and final part covers the year of 1776. In all four parts Holton looks at the Virginia elite and their relations to various parties during that time period. The two parts Holton breaks the first time period down into are the problems that the gentry faced, and the solutions they came up with for those problems.
In Holton's thesis, he states "that the Independence movement was powerfully influenced by British merchants and three groups...Indians, farmers and slaves." (206) Holton uses letters and papers from contemporaries of the time. He also uses secondary sources to fill in the gaps. These sources he uses to good effect. Unfortunately, he only scratches the surface of the pressure these groups placed on the gentry class. One weakness of his research is that he has not found new sources,
but uses existing sources of the gentry class, to explain their relation to the other classes. Even though Holton acknowledges the bias of the elite, he says he was able to get the other groups' perspective. (xxi) While Holton's goal is to show that the revolution was not just a tax revolt, but also a class conflict (206), the book focuses mainly on the economic reasons that these groups were able to affect Virginia's elite society. This focus changes the typical perception that most Americans have of the founding fathers; it makes them seem less principled and god like. They are more identifiably human, as they are shown to be looking out for themselves. The examples that Holton uses are supportive of his thesis, but due to the breadth of the issues associated with these groups, his examples only scratch the surface of the importance these groups played. A second problem is that the Virginia gentry are still the primary focus of the book. Those groups that exert pressure on the founding fathers continue to be relegated to the second tier in importance. A better title might have been Virginia's Founding Fathers: The Economic Pressures That Drove Them to Revolution since most parts of the book deal with the economic effects each of the groups had on the Virginia founding fathers. Besides economic concerns, Holton alludes that another reason for the drive to independence was the founding fathers fear of losing their preferred position in society.
I felt that Forced Founders was a good read though it suffered from its brevity. A more in depth look at other pressures besides economic ones placed by these groups on the gentry would have strengthened his thesis. In addition, despite offering a slightly different perspective on the social elite of Virginia, Forced Founders still has them as the primary focus, continuing to foster the second-class status of other groups, thus perpetuating historians' tendency to consign them to its back page.

FORCED ARGUMENTS.......2006-05-02

While the book is a "good read" and "thought provoking," I have serious contentions with Holton's interpretation and analysis on many levels, not the least of which center on his lack of understanding and/or misinterpretation of the military and Indian issues which he attempts to cite as supporting his thesis, and which in turn causes me to question his other conclusions in "Forced Founders."

First, he apparently does not know the difference between the provincial militia of the royal colony, the independent militia formed at the resolution of the First Virginia Convention (and Continental Association after the First Continental Congress), or the Virginia militia as constituted by Virginia's revolutionary government, the Virginia Minutemen (as different from common militia) formed by the state in response to a resolution by the Second Continental Congress, the formation of Virginia State Troops or the establishment of the Virginia Continentals. To him, all those organizational concepts seem to be interchangeable.

Second, it is true that Virginia's last royal governor, John Murray, the Fourth Earl of Dunmore, formed his "Ethiopian Regiment" by offering freedom to the military age male slaves of rebel masters (not all slaves), but Holton's explanation leads the reader to believe that the project was an overwhelming success. The primary source documents show that it was never accepted into Provincial service, and with less than 100 "effective" men present for duty, and about 60 sick on board hospital ships in May 1776, the regiment was disbanded. Furthermore, they were not Dunmore's only available troops. So how their presence forced slaveholders to support the revolution is questionable.

Holton also neglects to mention Dunmore's raising of the Queen's Own Loyal Regiment of Virginia, which was composed of white Loyalists. It too, like the Ethiopian Regiment, never amounted to much and was disbanded in 1776. But Holton doesn't mention them at all!

Third he mentions the battle of Kemp's Landing (a skirmish, actually) in November 1775, in which Dunmore's "army" (not just the black troops) drove Virginia militia from the field. He says nothing about the December 1775 battle (actually a larger skirmish) of Great Bridge that was a decisive American victory and forced the British to evacuate Norfolk (and Virginia until 1780).

Furthermore, Dunmore's army was about 600 strong, including the white Loyalist regiment, all the Loyalist militia he could muster, plus British sailors and marines, as well as the Ethiopian Regiment. Therefore, it is unlikely that the Ethiopian Regiment ever neared full "establishment" strength of 800 men, so I believe Holton overstates their influence. Also, the American force included Continentals, State troops, minutemen from Fauquier, Augusta and Culpepper Counties (from the western part of the Colony), as well as volunteers from Princess Anne and Norfolk Counties, including one company of "gentleman volunteers," and 250 North Carolina men.

Nor does Holton say much about those slaves who chose to stay with their masters, and how their action influenced decisions to support independence.

As for the founder's being forced by fear of the Indians, his argument on that score is also weak.

First, does he consider the Treaty of Camp Charlotte, which Dunmore negotiated with the Shawnee, Mingo and western Delaware nations in October 1774, when they conceded defeat in "Dunmore's War"? After his flight from Williamsburg in June 1775, the terms of that treaty were finalized between Continental and (Revolutionary) Virginia Indian Commissioners and the same Indian nations in the Treaty of Fort Pitt in October 1775. The two treaties essentially kept the peace on Virginia's frontier (including in Kentucky) from 1774 until 1777 (after independence was declared!). So, Holton's claim that fear of the Indians forced the founders into supporting independence seems to be a weak one to me.

Second, Dunmore did plot to solicit the Ohio Indian nations to attack settlements on the Virginia frontier, unless its inhabitants affirmed their loyalty. However, the party of three Provincial officers he dispatched to put the plan into action (led by John Connolly), were captured by Maryland minutemen in the town of Hagers Town (Hagerstown) in November 1775, and Connolly was subsequently imprisoned in Philadelphia. The abortive plot was discovered when incriminating papers were found in Connolly's baggage, which was the source of Jefferson's indictment in the Declaration of Independence that king was "inciting the savages."

Third, Holton apparently also does not understand the operation of the Indian polities. He fails to mention that the Six Nations of Iroquois, who considered the nations in the Ohio country their "dependents" by right of conquest and "spoke for" them, were trying to maintain their neutrality early in the war. After being convinced by the officers of the British Indian Department (operating from Fort Niagara and Fort Detroit, not Virginia) that it was in their best interest to support the king against "the Bostonians," most of the Six Nations (the Onondaga, Cayuga, Mohawk and Seneca) and their "dependents," (Wyandot, western Delaware, Shawnee, Mingo and others) did finally come into the war in early 1777, when they struck backcountry settlements, according to British Indian Department officers, "from Fort Stanwix (at the head of the Mohawk Valley in New York) to the Ohio" and that the American backcountry "From the Susquehanna to the Kiskismenitas Creek upon the Ohio, and from thence down to the Kankawa [Kanawha] River is now nothing but an heap of ashes."

Finally, I don't believe Holton ever makes a convincing argument that tenants exerted influence to force their aristocratic landlords into supporting independence, and his argument about debtors falls short of being conclusive.

Who Were America's First Freedom Fighters?.......2005-05-21

In Forced Founders, Woody Holton writes about five non-elite groups in pre-Revolutionary America who struggled for relief from a long list of economic and political imperial burdens. Small landholders, merchants, debtors and even Native Americans and slaves in Virginia were affected by a global depression in which the price of tobacco had fallen close to its lowest historical levels, prices of other commodities had plummeted and the credit market had collapsed. Elite, wealthy Virginia gentlemen farmers like George Washington, Thomas Jefferson and Patrick Henry felt the squeeze but for Virginia's non-elites, the confluence of adverse economic factors became an overwhelming millstone. Everyone in Virginia suffered the effects of the Navigation Acts that restricted colonial trade only to Britain. Everyone was forced to adjust to the boycott of Britain passed by the Continental Congress. Virginia's economy staggered when small businesses and landowners defaulted on their debt, faced foreclosure of their assets and sunk into economic ruin. Holton's thesis is that well-to-do colonial Virginia leaders were pushed to choose rebellion against Britain by these non-elite groups whose meager resources made them defenseless against this toxic brew of imperial oppression and negative global economic conditions.

Perhaps the most powerful force behind the fight for independence was the paralyzing debt incurred by Virginia's growers. It was held primarily by their British merchant counterparts who bought their tobacco, sold them supplies and lent them money. The Virginians' debt was even more overwhelming because it landed on their balance sheets during one of the worst recessions of the colonial era. Virginian Arthur Lee wrote in 1764 that American colonists owed British merchants ₤6 million and British mercantilist policies drained an additional ₤500,000 a year from the tobacco colonies. Virginia's small landholders and business people - and no doubt, their counterparts in other colonies - realized British commercial, monetary and immigration policies favored the mercantilist-creditors back in London. Thus it was that debtors in Virginia became unrelenting critics of British policy, making them a persistent political force in favor of independence.

Virginia land speculators thwarted by British governance were another perpetual burr under the saddles of the colony's leadership, not least because of the unrest and threat of attack they created among Native Americans. Although the Indians ultimately lost the commercial, legal and military battles they fought in defense of their land, their efforts through tribal coalitions to enlist British support were irritatingly effective. One of the unintentional results of the Indians' occasional success against the white land speculators was pressure from them on Virginia's leadership. Independence from Britain would permit Virginia land speculators to move against the Indians, unimpeded by imperial interference.

Like all whites in pre-Emancipation America, colonial Virginians considered black Africans a serious threat to their security. Their fear boiled over when Virginia slaves began to negotiate in 1775 for their freedom with British Governor Dunmore in exchange for military assistance to help control civil unrest. White Virginians who'd been independence-neutral or British loyalists became overnight patriots. For them, the only way to restore order, preserve ownership and protect property was to escape British governance and begin a new governmental regime. It was ironic the slaves' ploy for personal freedom frightened Virginia's elites to support the fight for American independence.

Holton guides readers of Forced Founders through an intriguing but occasionally awkward review of the influence of non-elite groups on Virginia's road to Revolution. Its virtue is its point-of-view; its burden is its less-than-focused scope. In the end, it appears he does too little with too much.

However Holton is to be commended for thinking outside the box. He uses primary sources from the gentry to study Virginia's economically and politically important "non-gentlemen" because, says Holton, their records reveal the gentlemen as powerfully influenced by the actions of smallholders, slaves and Native Americans. Working top down and one class removed, he shows the American Revolution was not just a rich man's war. Historians are well-advised to incorporate such 360-degree-point-of-view thinking in all their examination of primary sources. As they pursue this method, however, they must focus their theses and remain alert to the dangers of scope creep.

A must read for anyone even attempting to study the era........2003-08-30

One of the most common misconceptions of Americans today centers around the revolutionary war, specifically the fact that this war was caused by colonist unrest due to excessive taxation, chiefly in Massachusetts. Fortunately, Holton is able to modify this fallacy, as he presents towards massive strife in the Virginia colony that can be linked as a direct cause of the revolutionary war.
By presenting tension between everyone from debtors and creditors to oppressed minorities (slaves and Native Americans) and the Anglo Saxon majority, Holton is able to paint a much more realistic picture of the times. Readers will be shocked by evidence presented; especially notable is the substantiation of rich landowners actually wanting to exterminate the slave trade prior to the war, almost akin to a sumptuary law, to preserve social boundaries. Also notable is the documentation of how close battle came to breaking out in Virginia as a result of Dunmore's actions, far prior to any serious action in Lexington, Concord, or even Boston.
Although this book makes an interesting read in correcting some of the misunderstandings more than two centuries of time have created, it also works well in conjunction with a study of the rest of the war. When Dunmore's actions are viewed as a precursor to those of Cornwallis, Tarleton, and Clinton, an even more worthwhile and in depth study of the era can be begun.
Thus, whether the reader is just has an interest in the time period or is a scholar striving to make connections, Holton's work is an excellent read. One can only hope that Holton or others can help paint a more realistic picture for the other twelve colonies.

great read.......2001-09-01

Ours is an age when we worry about consumer debt (and consumer confidence), terrorists, and an energy crisis. In other words, when we feel our society a little wobbly it is great to read Woody Holton's book and find similar concerns in pre-revolutionary Virginia. Virginians were caught up in a "web" that included a debt crisis, fear of indian raids, slave uprisings, and class struggle. "Although no one can deny their importance [great leaders], the thesis of this book has been that the Independence movement was also powerfully influenced by British merchants and by three groups that today would be called grassroots: Indians, farmers, and slaves." (p. 206)How we relate to Holton's thesis probably depends on how we feel present day worries influence voting (thinking) patterns.
While the specific subject of this book is pressures that resulted in revolution, the facts presented here could be used to make a wider case about the "web" that every generation finds itself in. What will our consumer crisis, energy shortage, fear of terrorists lead to?
Holton writes well and is to be commended for his presentation.

Solve Your Money Troubles: Get Debt Collectors Off Your Back & Regain Financial Freedom

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Solve Your Money Troubles: Get Debt Collectors Off Your Back & Regain Financial Freedom
Robin Leonard
Manufacturer: NOLO
ProductGroup: Book
Binding: Paperback

Money & Monetary Policy | Economics | Business & Investing | Subjects | Books

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How to Settle Your Debts
Credit Repair (book with CD-Rom)
Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know
The New Bankruptcy: Will It Work for You? (2nd edition)
To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors

ASIN: 1413301983

Book Description

Everything you need to get out of debt and repair your credit.

Feeling overwhelmed by your debts? If you're ready to regain your financial freedom, this book is exactly what you need! Step by step, Solve Your Money Troubles shows you how to:

*prioritize debts

*create a budget

*negotiate with creditors

*stop collector harassment

*challenge wage attachments

*contend with repossessions

*respond to creditor lawsuits

*qualify for a mortgage

*rebuild credit

To make the process easier Solve Your Money Troubles also includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan.

The 10th edition is completely revised to provide the latest consumer protections, as we as an updated discussion about managing money and debt.

Download Description

"Everything you need to get out of debt and repair your credit. Feeling overwhelmed by your debts? If you're ready to regain your financial freedom, this book is exactly what you need! Step by step, Solve Your Money Troubles shows you how to: prioritize debts create a budget negotiate with creditors stop collector harassment challenge wage attachments contend with repossessions respond to creditor lawsuits qualify for a mortgage rebuild credit To make the process easier, Solve Your Money Troubles also includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan. The 10th edition is completely revised to provide the latest consumer protections, as we as an updated discussion about managing money and debt. "

The Debt Threat: How Debt Is Destroying the Developing World

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Unmissable
You "Hertz"ed it here first
Should private and public creditor be paid for their loans to corrupt government?
Very sensible propositions
Honest, but .....

The Debt Threat: How Debt Is Destroying the Developing World
Noreena Hertz
Manufacturer: Collins
ProductGroup: Book
Binding: Hardcover

Policy & Current Events | Popular Economics | Business & Investing | Subjects | Books

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The Silent Takeover: Global Capitalism and the Death of Democracy
Radical Democracy
Globalization and the Postcolonial World: The New Political Economy of Development
Culture and Imperialism
IOU

ASIN: 0060560525
Release Date: 2005-01-04

Book Description

With grand announcements, recycled promises, and much hype about debt relief by the leaders of the world's rich creditor countries, the International Monetary Fund (IMF), and the World Bank since 1999, many of us can be forgiven for believing that the debt crisis of the world's poor countries is over. Far from it.

Customer Reviews:

Unmissable.......2006-05-17

The relief of debt for poorer countries is an issue which many support but few really understand. Noreena Hertz is someone who knows what she is talking about. She formerly worked at the World Bank and in now Professor of Economics at Cambridge. She is also a tireless campaigner for debt relief.

What I most appreciated was her ability to explain the economics in a way that was both understandable and convincing. She tells us how the debts came about - often during the cold war in an attempt by the West to gain and maintain areas of influence in the developing world. She also reminds us that many of these loans went to corrupt leaders of countries whose citizens now have to pay the price. As a result basic human needs - food, housing, and healthcare are sacrificed to service the debt payments.

We are left in no doubt that we carry a significant responsibility for this situation. This is why we should lobby our leaders to write of these debts. It is easy to say that fault lies on both sides. That may be so but if poor children have to pay then we who are in a position to do something should do all that we can.

She writes all of this in a very readable style. This book did far more than big events such as Live 8 to convince me of the need to do something. I would urge all readers to get hold of a copy and read it!

You "Hertz"ed it here first.......2006-03-14

Insightful, interesting and accessable. I read this book as part of my disseration research for a critical assessment of World Bank/IMF policy with regards to third world development. Prof. Hertzs' arguements are persuasive and compelling. They demand the attention of the policy-makers, finanical workers and the international community at large. Debt hangs from the neck of the developing world preventing it from standing upright. Prof. Hertz explains that this need not be the case.

Should private and public creditor be paid for their loans to corrupt government?.......2006-01-20

Debt cancellation for developing countries is a subject that has attracted much attention and little real action, despite in 2005 G8 countries and few others have taken some clear-cut commitment. This readable book provides:

a) a quick and simple description as to how developing countries got trapped into unsustainable debt levels. But among developing countries it fails to distinguish between middle-income emerging market economies and low-income economies. Therefore, the author jumps to the conclusion that Argentina (or Turkey) and Somalia (or Botswana) should be treated the same.

b) a simple theory, which suggests that developed countries often offered loans to corrupt governments (or full-fledged dictatorship) of developing countries and therefore, the peoples of those countries cannot bear the burden of servicing that debt, for which they did not benefit at all. Thus understood the problem, the full debt cancellation is a moral (and maybe legal) obligation. The author does not develop further that theory, but in practice she says that those countries that have violated human rights, or more specifically, at the time of borrowing were violating civil and political liberties, and/or economic, social and cultural rights should be provided full debt cancellation. Who and how the violation would be assessed is not clear, but this idea merits to be developed further and into operational detail.

I would recommend it for the general reader and those interested in development issues without prior knowledge.

Very sensible propositions.......2005-05-17

Noreena Hertz's basic principle is that the rights of creditors do not stand above fundamental human rights.
Debt repayments should not be imposed on governments when they could put in danger a minimum level of food, health care, clothing, water, education and housing for the entire population.

But as US president Calvin Coolidge said to the English delegation after WWI: 'We lent you money. Didn't we?'
The fact is that a lot of money was lent to corrupt and despotic regimes (Suharto, Marcos, Abacha, Ceaucescu, Mengistu, the South-African apartheid regime ...). More, after the end of the cold war, the US asked immediate debt repayment from States which were no longer strategically important.

Democratic governments should not be responsible for irresponsible lending by States or International Organizations.
She remarks that 60-70 % of all World bank projects under Mc Namara were failures and that only 10 % were ecologically and socially sound investments.

For her, debt should be forgiven if it was lent to undemocratic regimes, if the investments were against the interests of the majority of the population and when those who gave the money knew for what it was disbursed.
Ultimately, debt forgiveness will ot only favour the poor but also the rich countries, for it should not force nations to implement unsound policies and should improve security in the world.

By the way, she rightly lambastes massive arms investments (4 stealth bombers represent 1 schoolyear for 155 million children) and agricultural subsidies in the US and Europe (every cow receives 2,20 $ per day, or more that 1 billion human beings on our planet).

This book is a must read about a crucial problem for a massive part of the world population.

Honest, but ............2005-04-04

Just as her other great book , The Silent Takeover, this one is an honest effort, well documented and basically well intended.I think Ms. Hertz is brilliant and brave in her exposure of the facts. But...and there is always a but. I think that, her final proposals tend to be naive. Do not misunderstand me. Her proposals would be very good...if and only if, the people with the power to move ahead with the kind of actions that are needed were really interested in the fate of poor countries and in the people of their own countries ( as she very well explains). What they are interested in , I mean the elites everywhere,is in PROFITS and power..that is the reason and the blood of limitless capitalism. All other issues, including the welfare of the people or the environment are simply not considered.
Another point is that the role of the corrupt political elite in third world countries is in some way minimized. These guys are gangsters and must be treated as such. But instead they are very well treated by the political and corporative elites in the developed nations...and when they no longer represent PROFITS or geopolitical advantages they are simply discarded..Just remember Noriega or Saddam...The sad point is that the people of these countries can not discard these gangsters by their own means..Why?? Because of the support the corrupt Govts' receive from the rich countries..And they preach about moral and ethics....!!! Very good read....Worth your time.

To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors

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THIS BOOK ROCKS!
Horrible Book
Where's the Beef?
Do NOT buy this book! It is full of lies and outdated information!
Unique and liberating perspective!

To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors
Stanley G. Hilton
Manufacturer: Adams Media Corporation
ProductGroup: Book
Binding: Paperback

General | Personal Finance | Business & Investing | Subjects | Books

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How to Settle Your Debts
Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know
Talk Your Way Out of Credit Card Debt!: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees
Debt Collection Secrets: Everything The Debt Collector Doesn't Want You To Know
Credit Card Debt:

ASIN: 158062944X

Customer Reviews:

THIS BOOK ROCKS!.......2007-07-27

Nothing will stop corporate America to raising credit card interest rates to 100% if they can get away from it. Sure you can sue the them, but did you know you can sue the company that issued that debt? Like the ENTIRE Board of Directors too? NOTHING will stop companies from REAPING off consumers faster then this book. I could not even read the fine print on my CC bill. This allows you to FIGHT back. Don't believe the reviews, this is a Harvard Lawyer, he's knows EXACTLY what he is talking about. Go Stanley, Go! :-)

Horrible Book.......2006-05-26

This book is one-sided and a total waste of time and money. The "solutions" he offers are not detailed and many are very unrealistic.

I am a 3L law student that knows a little regarding collections and this book is a horrible book for the average person to use. He recommends filing a malpractice suit to fight against medical collections - this is total BS and will get any attorney in hot water. Additionally, the average person that cannot afford a $500 medical bill will definitely not be able to pay the retainer on a med-mal suit that is groundless (let alone no attorney in their right mond would file such a suit).

He outlook on the judiciary system and juries is also distorted and very disturbing. Lawyers like Hilton should be disbarred.

Where's the Beef?.......2006-03-28

I read this book and the author is very vague about how you can go about doing some of the things he brings up in the book.
At least he could have suggested some lawyers that are versed on
how to proceed with some of this debt elimination tactics that he describes. After reading the book one is left to fend for oneself without much in the way of help or useful information just vague ideas.

Do NOT buy this book! It is full of lies and outdated information!.......2006-03-15

I have over 5 years of professional credit repair experience and I know just about everything there is to know about credit repair. I have read many books on the subject, but this is the worst one I have ever come across! The author states that FICO scores are issued by TRW, yet TRW has not existed for over 10 years! He further states that the credit bureaus have 60 days to complete an investigation request by any consumer, yet the Fair Credit Reporting Act, cleary states that they have 30 days to conclude any investigation! The author goes on to say that writing letters will not work, which is precisely the way that I have helped hundreds of people, including myself. The author states that the only way to remove negative or inaccurate items is to sue the credit bureaus! Well, this is easily said than done and he knows it! This is yet another lie! For all I know, the author probably works for the credit bureaus and banks by feeding the reader false, inaccurate, outdated information and drilling to sue the bureaus and creditors, because he knows it is easier said than done! I do not like this book, I do not recommend at all and the writing style is just plain dumb as it has absolutely no logic and too much beating around the bush for nothing in order to make the book thicker. I can't understand how it got published!

Unique and liberating perspective!.......2006-02-13

I love this book - if only for the way that it challenges the idea that creditors are right and debtors should feel guilty for existing. Credit card companies are feeding off the consumer by luring them in with promises, and then suddenly imposing impossible fees and interest rates.

Debtors don't fight back - and they should!! This book shows one way how to do that - and I am very appreciative. And I imagine it's a pretty scary idea to credit card companies - that we can turn around and sue them for harrassment, for usuary, for bait and switch.

I'm postive that some of the bad reviews here are from credit card companies - particularily the laughable one which says that sueing companies is illegal and will get you in trouble. Even that review tries to make you feel guilty - "you borrowed the money, so suck it up." Well, I borrowed the money at 4% interest, not 30%, which I got after one late payment. There's a word for that - it's called loan shark.

Thank you to Mr. Hilton for a book of empowerment! Whether or not I decide to follow his advice (which I probably will,) it was liberating to even think about it!

Money Troubles: Legal Strategies to Cope With Your Debts (Solve Your Money Troubles)

Average customer rating:

I Think This Book Is Great!
Gives a broad description of debt information
Too Basic
Reader friendly coverage of all the consumer credit basics.
Comprehensive, practical, authoritative, reader friendly.

Money Troubles: Legal Strategies to Cope With Your Debts (Solve Your Money Troubles)
Robin Leonard
Manufacturer: NOLO
ProductGroup: Book
Binding: Paperback

Consumer Behavior | Marketing & Sales | Business & Investing | Subjects | Books

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Credit Ratings & Repair | Personal Finance | Business & Investing | Subjects | Books

General | Personal Finance | Business & Investing | Subjects | Books

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Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know
To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors
Solve Your Money Troubles: Get Debt Collectors Off Your Back & Regain Financial Freedom (11 th edition)
Credit Repair: What the Credit Industry Doesn't Want You to Know
How to Settle Your Debts

ASIN: 0873379756

Book Description

Feeling overwhelmed by your debts? If you're ready to regain your financial freedom, this book is exactly what you need! Step by step, Attorney Robin Leonard shows you how to:

*prioritize debts
*create a budget
*negotiate with creditors
*stop collector harassment
*challenge wage attachments
*contend with repossessions
*respond to creditor lawsuits
*qualify for a mortgage
*rebuild credit

To make the process easier, Money Troubles also includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan.

With the completely updated and revised 9th edition, learn how to deal with identity theft, choose a reverse mortgage, opt out of telemarketers' lists and defend your property from creditors who are collecting a debt.

Download Description

"Feeling overwhelmed by your debts? This book is exactly what you need to help you get out from under them! Attorney Robin Leonard shows you step-by-step how to: ? prioritize debts ? negotiate with creditors ? stop collector harassment ? challenge wage attachments ? respond to creditor lawsuits ? rebuild credit To make the process easier, Money Troubles also includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan. "

Customer Reviews:

I Think This Book Is Great!.......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!

Gives a broad description of debt information.......2004-11-15

I think of this book as a dictionary of options rather than a How To type book. The information is general, but it does list some state specific laws. If you are deep in debt and are looking to get out ASAP, then this book may be too general. However, it will point you in a direction to search for more answers.

See also, Surviving Financial Disasters (CD-ROM included).

Too Basic.......2000-08-24

This book is very basic and gives advice about how to manage money. However the one mistake the book makes is that it assumes that collection agencies and/or creditors are legitimate and offers no recourse to how to dispute charges from less scrupulous companies and agencies. The text for dealing with credit reporting bureaus is very basic. There are more precise texts to tell how to clean up your credit report (naturally after you have closed the accounts).

Reader friendly coverage of all the consumer credit basics........2000-07-03

Get out of debt and rebuild credit with the aid of this revised 6th edition of a classic, which tells how to take control of finances and repair credit. From repairing a bad credit rating to reducing alimony and responding to lawsuits, Money Troubles provides all the basics involved in consumer credit issues.

Comprehensive, practical, authoritative, reader friendly........2000-04-06

Now in a fully updated and expanded sixth edition, Robin Leonard's Money Troubles: Legal Strategies To Cope With Your Debts continues to be an invaluable instruction manual and guide for consumers seeking to pare down their debts by negotiating with creditors and prioritizing financial obligations; rebuilding personal credit; stop collection harassment; respond effectively to creditor lawsuits; learn effective alternatives to bankruptcy; determine if and when bankruptcy is the correct response to debt; and much, much more. Accurate, reliable, practical, comprehensive, and truly reader friendly, Money Troubles is an outstanding, highly recommended compendium of advice, counsel and strategies for dealing with credit cards, bill collectors, credit reports, credit bureaus, judgments, wage garnishments, repossessions, foreclosure, property liens and levies, refund rights, bounced checks, consigned loans, budgeting, and credit counseling.

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