Credit Repair and Debt

The Debt Effects: The Invisible Hand of Debt
Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
by Jon Hanson
In America you will not be singled out or made fun of for wasting your resources. In fact, you will have many cheerleaders, although most of the cheerleaders will be people who profit by selling you trinkets and assorted junk.

A 13-Step Action Plan to Get Out of Credit Card Debt
The Finish Rich Workbook: Creating a Personalized Plan for a Richer Future
by David Bach
When it comes to debt, there aren't any simple rules or formulas. The guideline you should use is how you feel about your situation. So how do you feel? To begin with, get out all your credit cards and all your credit-card statements and put them on the

A Matter of Life and Debt
Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
by Jon Hanson
In America we have both enjoyed and abused the privileges of our society. Yet many are experiencing an implosion of insecurity and vagueness of purpose that leaves them vulnerable to clever merchants seeking to plunder their infant wealth.

What To Do About Debt Collection
by FTC
There's no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors - or if you dispute the legitimacy of a debt - a debt collector may contact you.

My Objectives for Good Debt, Bad Debt
Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
by Jon Hanson
No quick-fix temporary solutions. No optimistic taffy to soothe your ego. Good Debt, Bad Debt is about embracing the reality of where you are at and working to improve your position. You won't find specific to-do lists and forms to fill out.

Debt Philosophy
Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
by Jon Hanson
Many financial books present supplemental, not fundamental, principles. Financial failure begins in the thinking process before the actual spending. George Orwell said, 'People can't write clearly because they can't think clearly.'

How's Being Broke Working for You?
Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
by Jon Hanson
For merchants who are armed with psychologists, sociologists, surveys, and ad agencies, the typical consumer is no more than a cow being milked by his or her emotions. When you no longer produce the milk - uh, the payments for your excesses

From Success to Significance
Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
by Jon Hanson
Suppose you wish to change careers? If you have a high debt-to-income ratio, debt will certainly be a deciding factor. Following your passion and moving from success to significance careerwise may depend on whether you can downshift from corporate

Before You File for Personal Bankruptcy
by FTC
A pre-bankruptcy counseling session with an approved credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan.

Debt Management Plans
by FTC
How is the amount of my payment determined? What if the amount is more than I can afford? Don't sign up for a DMP if you can't afford the monthly payment. How often can I get status reports on my accounts?

Why Do We Have So Much Debt, Anyway?
Generation Debt: Take Control of Your Money - A How-to Guide
by Carmen Wong Ulrich
If you're like most 18- to 34-year-olds, you're drowning in debt. Student loans, credit cards, car payments, rent-sometimes it seems like the whole system's conspiring to keep you broke. Now it's payback time.

Is Debt Getting in the Way of Your Future?
Pay It Down! : From Debt to Wealth on $10 a Day
by Jean Chatzky
That's how often we use our credit cards in this country. That's how often we whip out our slim pieces of plastic, slide them through the little electronic slots or hand them over to the cashier.

Credit Repair: Self Help Is the Best Solution
by FTC
You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services.

For Whom Am I Working?
Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
by Jon Hanson
Many people work hard to have luxuries - only to become slaves to those luxuries. In The Art of Money Getting, P. T. Barnum wrote, 'Debt robs a man of his self-respect and makes him almost despise himself.'

Credit Repair: Reporting Accurate Negative Information
by FTC
When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years.

Tales of Life and Debt
Pay It Down! : From Debt to Wealth on $10 a Day
by Jean Chatzky
In January 2004, I announced on the Today show that later in the year, I would be doing a series on getting out of debt. We would follow - and help - two families in their quest to become debt-free. Then I asked for volunteers.

The Rising Costs of Education
Generation Debt: Take Control of Your Money - A How-to Guide
by Carmen Wong Ulrich
Why does it cost so damn much if it's basically a requirement? We can go to public high schools on our parents' tax dollars because it's required. So why is a college education getting exorbitantly - almost prohibitively - expensive the more we need it?

Why Big Debt Has Become the Norm
Generation Debt: Take Control of Your Money - A How-to Guide
by Carmen Wong Ulrich
Debt has been normalized. Everyone has it, right? So what's the big deal? Now, who do you think makes money off promoting the idea that debt is okay? That it's a normal part of life? Well, banks make money off lenders and borrowers, credit card companies

Credit and Debt
The ABC's of Getting Out of Debt: Turn Bad Debt into Good Debt and Bad Credit into Good Credit
by Garrett Sutton, Esq.
Learn how to trade bad debt for good debt and maximize credit in this step-by-step guide. Get the details on the fastest ways to wipe out bad debt, as well as simple strategies to maximize one's credit rating.

Ads Promising Debt Relief May Be About Bankruptcy
by FTC
Debt got you down? You're not alone. Consumer debt is at an alltime high. What's more, record numbers of consumers - more than 1.5 million in 2004 - are filing for bankruptcy. Whether your debt dilemma is the result of an illness, unemployment, or simply