With up-to-the-minute information . . . And an all-new preface by the author! Out of the red . . .a Do this montha s bills pile up before youa ve paid last montha s?
a Do you regularly receive past-due notices?
a Do you get letters threatening legal action if immediate payment is not made?
a Do the total amounts of your revolving charge accounts keep rising?Into the black . . .Whether you are currently in debt or fear youa 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. Youa ll learn:a How to recognize the warning signs of serious debt
a How to negotiate with angry creditors, collection agencies, and the IRS
a How to design a realistic and painless pay-back schedule
a How to identify your spending blind spots
a How to cope with the anxiety and daily pressures of owing money
a 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.