Download or read book Talk Your Way Out of Credit Card Debt written by Scott Bilker and published by . This book was released on 2003 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Did you know you can call your credit card banks and negotiate a better interest rate? It?s true! Sounds simple, however, it may not be as easy as picking up the phone and asking. That?s because bank reps are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don?t know what to expect.Scott Bilker, author of ?Talk Your Way Out of Credit Card Debt,? and creator of DebtSmart.com, has spent 10+ years making banks compete for his business. Now he?s sharing his personal phone calls to banks that saved more than $43,000 in interest charges and fees! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn?t, and why.You will discover proven negotiation strategies and build your confidence by reading the details of what was said to make the banks lower their interest rates and waive fees! Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money! This book will show you: (1) how to lower your current interest rates, (2) how to get late-payment, overlimit, and cash-advance fees waived, (3) how to shop for the best credit card deals, (4) how to get annual fees waived, (5) how to negotiate account settlements, (6) how to dispute charges and get all your refunds, (7) how to compare loan options and calculate savings, and much more!
Download or read book How to Get Out of Credit Card Debt written by HowExpert HowExpert Press and published by Createspace Independent Publishing Platform. This book was released on 2016-09-27 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you want to get out of credit card debt fast, then get this book! Credit card debt is a form of unsecured debt taken from a financial tool usually credit cards. These credit card debts are generated when credit card holder purchases products from these cards and accumulates due to the interest charged on it. Difficulty arises because people are not able to repay their loans effectively or in time. When a card holder is unable to pay his debts he is declared as "defaulter". In this book, "Living with Credit Card Debts", we are looking at how we can overcome the obstacle we often face when it comes to managing our credit cards. The basic ideas discussed in the book are as follows: * Plan your financial life. Financial problems are something most of us will have to manage eventually in life. In order to cope with the pressure that may arise, we need to have a proper financial plan and even financial goals. * Credit card ratings and debts. We need to know what we should do and not be overburdened by debts. * Study of financial management. We should make money work for us and not the other way round. We should have control of our money and not money have controls over us. * Avoid bad debt. This may be as a result of poor privatization that may make us go for what we do not necessarily need. Click BUY NOW and Be Debt Free!
Download or read book How to Get Out of Credit Card Debt written by Howexpert and published by Howexpert. This book was released on 2020-01-05 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you want to get out of credit card debt fast, then get this book Credit card debt is a form of unsecured debt taken from a financial tool usually credit cards. These credit card debts are generated when credit card holder purchases products from these cards and accumulates due to the interest charged on it. Difficulty arises because people are not able to repay their loans effectively or in time. When a card holder is unable to pay his debts he is declared as "defaulter". In this book, "Living with Credit Card Debts", we are looking at how we can overcome the obstacle we often face when it comes to managing our credit cards. The basic ideas discussed in the book are as follows: - Plan your financial life. Financial problems are something most of us will have to manage eventually in life. In order to cope with the pressure that may arise, we need to have a proper financial plan and even financial goals. - Credit card ratings and debts. We need to know what we should do and not be overburdened by debts. - Study of financial management. We should make money work for us and not the other way round. We should have control of our money and not money have controls over us. - Avoid bad debt. This may be as a result of poor privatization that may make us go for what we do not necessarily need. HowExpert publishes quick 'how to' guides on all topics from A to Z by everyday experts.
Download or read book Negotiating On Credit Card Debt written by Mohamed Rickenbach and published by Independently Published. This book was released on 2021-08-13 with total page 374 pages. Available in PDF, EPUB and Kindle. Book excerpt: Did you know that you could talk yourself out of debt? Yes, really you could talk your way out of debt. Does this sound just too good to be true - that you could just talk your creditors into helping you? The solution is called debt negotiation, debt settlement, or debt arbitration. But whichever you call it, it's basically the same thing. It's where you contact your creditors and talk them into helping you get out of debt. The author shares his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn't, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.: ) In this book, you will discover proven negotiation strategies, and build your confidence while learning how to: (1) get annual fees waived; (2) lower your current interest rates; (3) shop for the best credit card deals; (4) get late-payment, over-limit, and cash-advance fees waived; (5) compare loan options and calculate savings; (6) dispute charges and get all your refunds; (7) negotiate account settlements; and much more!
Download or read book The Ultimate Credit Handbook written by Gerri Detweiler and published by Plume Books. This book was released on 1993 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt: Detweiler, a former director of Bankcard Holders of America, draws on her years of expertise in counseling consumers with credit problems to write the definitive handbook on how to have more credit, get out of debt, and live a lifetime of financial stability and prosperity.
Download or read book The Smart Easy Guide To Credit Card Debt Relief written by Richard Norris and published by Createspace Independent Publishing Platform. This book was released on 2013-10-22 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you think credit cards can make your life hard by burdening you with debt, try living without them for a while. Unless you are living in a cave of Tora Bora, life can come to a complete stop without credit cards these days. How to strike the balance between enjoying the benefits of credit cards while avoiding their ills? This is just one of the questions you will find answers to in The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free. After reading this book, you'll know the ins and outs of credit card debt, and it's weighing down on you, you'll find yourself on the road to financial freedom. Here are a few more things about credit card debt that this book tells you: -How to minimize the negative impacts of credit card use -Unusual tips for getting and using credit cards -Why credit card debts happen-how to get rid of them -Easy steps for curtailing and eliminating credit card debt -How to get help in case you are under debt -Debt consolidation-pros, cons and procedure -Methodical payoff versus bankruptcy -Life after debt relief Written for today's fast paced world where people don't have much time to go through piles of information and guidelines, this book simplifies complex debt relief laws and procedures for an average reader, and provides complete step by step guidance to make and keep you debt free. The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free will help you all the way. Most people wind up under credit card debts because they are unable to comprehend the idea behind credit cards. They give in to impulses and slack on their payments, getting hit with late payment charges and heavy interest. The debt keeps piling until it becomes crushing, and the debtors find themselves unable to repay. Soon, people are looking for more credit cards or personal loans to pay the debts on their existing credit cards and keep the cycle going, but this cycle is more like a downward spiral, which gets them under heavy debt. Credit card debts are not uncommon in our society, though, and anyone who is lagging behind on payments should not feel ashamed to ask for legitimate help. The problem is (was) that very little impartial and genuine advice is available for people who are either already under debt or using the credit cards wrongly. All products rely on glitzy advertising to stir impulses, and credit card comes in handy when it's time to pay. There's no card that comes with a "use prudently" warning printed on its front side. Credit card users realize their problems only when they have ended up under debt. But The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free is here to help you get out from under it. This book provides valuable and unbiased guidance for all credit card users for avoiding getting into and getting rid of credit card debt. As credit cards are endemic in today's society, this book should be read by everybody who wants to use them smartly. Credit is good in the sense that you can avail discounts and get the things you want without wasting time waiting for the money to arrive. However, if you are not careful with how you spend and manage your credit card debt, you might be exposed to the unfriendly side of credit cards, a side that you don't want to see. Grab your copy today of The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free!
Download or read book How to be More Credit Card and Debt Smart written by Scott Bilker and published by Press One Publishing. This book was released on 2002 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: The most demanded information from DebtSmart?! How to stop the banks from taking advantage of you, get the best lending deals, get financially organized, pick the right mortgage, make more money, finance your next car, personal stories, Q&A, and much more! Scott Bilker, author of ?How to be more Credit Card and Debt Smart,? is also the creator of DebtSmart.com and the author of the best-selling book, ?Credit Card and Debt Management.?
Download or read book The Debt Escape Plan written by Beverly Harzog and published by Career Press. This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: When Harzog decided she wanted to break free from debt, she found that conventional advice about personal finance didn't work for her. Now she shares her unique debt escape plan, and shows you how to use it as the basis for your own customized debt escape plan.
Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.
Download or read book Money Is Emotional written by Christine Luken and published by 7 Pillars Publishing. This book was released on 2017-03-17 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: "Christine Luken does a wonderful job taking complex financial topics and making them easy to understand. Reading Money is Emotional is like having a conversation with a knowledgeable friend." -Robert Pagliarini, CFP, EA, Author of The Sudden Wealth Solution _______________ If money is emotional, then why do we persist in trying to manage our personal finances logically? We already know what it takes to become financially healthy: spend less than we make, pay down our debt, and save more money. Money management books, tools, and techniques abound, yet most of us don't utilize them. Maybe you've adopted the practice of ignoring money problems until they are barreling down on you like a tidal wave, as I once did. I know what it feels like to be drowning financially. I'd like to propose a better alternative, one that doesn't require you to eat beans and rice or to spend hours updating budget spreadsheets. My approach to personal finance is called "Mindful Money Management." It is unique in that it harnesses the power of your emotions, so they can propel you forward like a rocket booster towards your Preferred Financial Destination. Yes, money is emotional, but you can prevent your heart from hijacking your wallet. Let me show you how.
Download or read book College Success written by Amy Baldwin and published by . This book was released on 2020-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book How to Get Out of Debt Stay Out of Debt and Live Prosperously written by Jerrold Mundis and published by Bantam. This book was released on 2012-05-08 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: A simple, proven-effective formula for freeing yourself from debt—and staying that way • Revised and updated, with a new Preface by the author “A must read for anyone wanting to get their head above water.”—The Wall Street Journal THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION 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 payback 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.
Download or read book Dear Debt written by Melanie Lockert and published by Coventry House Publishing. This book was released on 2016-08-12 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt
Download or read book Managing Debt For Dummies written by John Ventura and published by John Wiley & Sons. This book was released on 2011-04-18 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you’re trying to kick the “Buy Now/Pay Later” habit and get your spiraling debt under control, you need Managing Debt For Dummies now! This practical, commonsense guide provides straightforward strategies for coping with every kind of secured and unsecured debt, including, personal loans, car loans, mortgages, home equity loans, lines of credit, credit cards, finance company loans, and student loans. You’ll find out how easy it is to: Distinguish between good and bad debt Go on a “debt diet” to get back into financial shape Start a filing system to track debt and protect life after debt Adopt a smart spending regimen Increase your income Consolidate your debt Decide which bills to pay when you can’t pay them all Use credit cards responsibly You can still live well while slashing spending on groceries, clothing, and entertainment. Find out how in Managing Debt for Dummies.
Download or read book Free and Clear written by Howard Dayton and published by Moody Publishers. This book was released on 2006-01-01 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Overwhelmed with debt? There is hope and freedom for you no matter how big your problem. Skyrocketing debt has crippled and divided millions in this age of rampant credit, interest-only mortgages, and record loan defaults. The way out from under debt burdens is not a declaration of bankruptcy, but surrender to the Word of God. Becoming debt-free may seem an impossible dream for many, but it is actually an attainable goal according to Howard Dayton, cofounder of Crown Financial Ministries. He overcame his own struggle with debt by applying God's principles to managing his finances, principles he lays out in this practical, encouraging, never-give-up book.
Download or read book Financial Recovery written by Karen McCall and published by New World Library. This book was released on 2011-03-21 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: After healing her own unhealthy relationship with money, and transforming her financial disaster into prosperity and security, Karen McCall created a recovery program she has now used for more than twenty years to help individuals, couples, and businesses large and small. In the midst of her money troubles, she saw a need for something other than financial planners, accountants, and credit counselors. These experts could tell her what she should be doing differently, but she needed someone to help her understand the underlying causes of chronic, self-defeating overspending and credit card debt, underearning, and low or no savings. To save herself, she created practical, holistic tools that address these sources of pain and shame. McCall’s program supports people as they uncover their deep-seated attitudes about money; provides simple, step-by-step tools for healing areas of physical, emotional, and spiritual deprivation; and teaches skills and strategies for experiencing lasting personal and financial fulfillment even in the midst of economic challenges and reversals.
Download or read book Bad Paper written by Jake Halpern and published by Macmillan + ORM. This book was released on 2014-10-14 with total page 193 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Trade Commission receives more complaints about rogue debt collecting than about any activity besides identity theft. Dramatically and entertainingly, Bad Paper reveals why. It tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed robber, who become partners and go in quest of "paper"—the uncollected debts that are sold off by banks for pennies on the dollar. As Aaron and Brandon learn, the world of consumer debt collection is an unregulated shadowland where operators often make unwarranted threats and even collect debts that are not theirs. Introducing an unforgettable cast of strivers and rogues, Jake Halpern chronicles their lives as they manage high-pressure call centers, hunt for paper in Las Vegas casinos, and meet in parked cars to sell the social security numbers and account information of unsuspecting consumers. He also tracks a "package" of debt that is stolen by unscrupulous collectors, leading to a dramatic showdown with guns in a Buffalo corner store. Along the way, he reveals the human cost of a system that compounds the troubles of hardworking Americans and permits banks to ignore their former customers. The result is a vital exposé that is also a bravura feat of storytelling.
