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Negotiating Debt
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Book Synopsis How to Negotiate and Settle Your Debts While Restoring Your Credit... by : Joseph R. Bloom
Download or read book How to Negotiate and Settle Your Debts While Restoring Your Credit... written by Joseph R. Bloom and published by AuthorHouse. This book was released on 2011-08-17 with total page 109 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millions of Americans have to deal with thousands of dollars worth of bad debt. I say bad debt because believe it or not there is such a thing as Good Debt. What this book covers is how to EFFECTIVELY deal with bill collectors, and lawyers who are threatening to sue over your debt and legally and ethically improve your credit profile. You will learn how to manage your life in such a way so as to reduce your debt load and negotiate with your creditors and collection companies so you can settle your unsecured debt for as little as 25 to 50% of what you oweLEGALLY! You will discover how banks and credit card companies take advantage of consumers in order to charge over draft and over limit fees. You will learn why you should never, EVER hire a Debt Settlement company. There are a few honest ones out there, but by and large most are huge rip offs. A Texas jury recently awarded consumers 13.9 million dollars in damages from a Debt Settlement company that ripped them off. By the time you finish this book, you will be able to effectively and BOLDLY deal with bill collectors, and the credit bureaus by learning how to use federal law and state statute of limitations to the fullest extent possible. Finally, at last YOU will be in control of your financial life!
Book Synopsis How to Settle Debts Yourself by : Sandee Ferman
Download or read book How to Settle Debts Yourself written by Sandee Ferman and published by TOPAZ LLC. This book was released on 2011-07-24 with total page 159 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why You Should Read This Book: If you have debts and don't know how you'll get rid of them, this book is for you ... If creditors are calling you day and night to collect from you, and you don't have a solution, this book is for you ... If you've wondered how long you'll pay minimum payments, and if you'll ever get out of debt, this book is for you ... If bankruptcy is starting to look like your only choice, this book is for you ... If you'd like to settle your debts, and wonder if you can do it yourself, this book is for you! Inside you'll find out how to work out a budget; how to figure out what your choices are, and decide on your best choice; you'll get instructions on how to talk to your creditors; you'll get negotiation insights that will help you get your best settlements with your creditors; you'll even receive information about what to do in case you receive a lawsuit from one of your creditors (yes, that can happen, and you need to be prepared so you know what to do). Many people have debts and need help. You might think you need to get a professional to help you negotiate with your creditors. You don't! I owned a debt settlement company for years and I know most people can do this themselves. If you think you can, this book will show you how to settle your debts yourself. I don't hold back any secrets. You can do it! This book will show you how.
Book Synopsis Mastering Debt by : Shannon Atkinson
Download or read book Mastering Debt written by Shannon Atkinson and published by Shannon Atkinson. This book was released on 2023-03-13 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mastering Debt: Negotiating Your Way to Financial Freedom is the ultimate guide to taking control of your finances and achieving financial freedom. Whether you're struggling with credit card debt, student loans, or any other type of debt, this book provides the essential strategies and tools you need to reduce your debt load and negotiate with creditors. With practical advice and proven strategies, Mastering Debt provides a step-by-step guide to managing debt, reducing interest rates, and negotiating with creditors. From debt consolidation to debt settlement, this book covers all aspects of debt and provides the insights and advice you need to take control of your finances and achieve financial freedom. In addition to practical advice, Mastering Debt provides a comprehensive understanding of the different types of debt, including secured debt, unsecured debt, and revolving credit. You'll learn about the pros and cons of different debt management strategies, as well as the potential risks and benefits of each approach. One of the key features of Mastering Debt is its focus on negotiation. Whether you're negotiating with credit card companies, student loan providers, or any other type of creditor, this book provides the essential tips and tricks you need to get the best possible deal. With proven negotiation strategies and real-world examples, you'll be able to negotiate with confidence and achieve the best possible outcome. Mastering Debt is also packed with practical advice on budgeting, credit scores, and financial planning. You'll learn how to create a budget that works for your lifestyle, how to improve your credit score, and how to create a financial plan that will help you achieve your long-term financial goals. With its comprehensive coverage of all aspects of debt and practical advice on negotiation and financial planning, Mastering Debt is an essential resource for anyone looking to take control of their finances and achieve financial freedom. Whether you're struggling with debt or just want to learn more about personal finance, this book is the ultimate guide to financial management.
Book Synopsis Managing Debt For Dummies by : John Ventura
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.
Book Synopsis The Professor Is In by : Karen Kelsky
Download or read book The Professor Is In written by Karen Kelsky and published by Crown. This book was released on 2015-08-04 with total page 450 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive career guide for grad students, adjuncts, post-docs and anyone else eager to get tenure or turn their Ph.D. into their ideal job Each year tens of thousands of students will, after years of hard work and enormous amounts of money, earn their Ph.D. And each year only a small percentage of them will land a job that justifies and rewards their investment. For every comfortably tenured professor or well-paid former academic, there are countless underpaid and overworked adjuncts, and many more who simply give up in frustration. Those who do make it share an important asset that separates them from the pack: they have a plan. They understand exactly what they need to do to set themselves up for success. They know what really moves the needle in academic job searches, how to avoid the all-too-common mistakes that sink so many of their peers, and how to decide when to point their Ph.D. toward other, non-academic options. Karen Kelsky has made it her mission to help readers join the select few who get the most out of their Ph.D. As a former tenured professor and department head who oversaw numerous academic job searches, she knows from experience exactly what gets an academic applicant a job. And as the creator of the popular and widely respected advice site The Professor is In, she has helped countless Ph.D.’s turn themselves into stronger applicants and land their dream careers. Now, for the first time ever, Karen has poured all her best advice into a single handy guide that addresses the most important issues facing any Ph.D., including: -When, where, and what to publish -Writing a foolproof grant application -Cultivating references and crafting the perfect CV -Acing the job talk and campus interview -Avoiding the adjunct trap -Making the leap to nonacademic work, when the time is right The Professor Is In addresses all of these issues, and many more.
Book Synopsis The Debt Forgiveness Book: How to Negotiate with Creditors, Especially Credit Card Companies & the IRS by : Brian Lacher
Download or read book The Debt Forgiveness Book: How to Negotiate with Creditors, Especially Credit Card Companies & the IRS written by Brian Lacher and published by . This book was released on 2020-04-14 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: The author explains how to negotiate with creditors. I was deep in debt with over $150,000 unsecured credit card debt, plus back taxes due. I lost 75% of my income. I couldn't keep paying the creditors and keep food on the table for a family of nine and keep a roof over our head. I didn't want to file bankruptcy, so I tried to negotiate with every creditor. This book explains the How To in negotiating. It explains what to do and what not to do. I was able to negotiate for pennies on the dollar. One example: Debt of $18,129.46 Settled for $2,000. This book will also show you true and false settlement letters. You will want to have this reference book by your side before you start any negotiating. This book could save you thousands of dollars.
Book Synopsis How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar by : Martha Maeda
Download or read book How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar written by Martha Maeda and published by Atlantic Publishing Company. This book was released on 2010-11-15 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: The current economic climate is dim for many Americans it forecasts potential recession, trouble for homeowners, and increasing personal and credit card debt. According to Federal Reserve estimates, that credit card debt is already in the trillions of dollars and rising each year. So, what can you do about it without immediately resorting to bankruptcy eliminating the entirety of your finances for years to come? It's a tough question to answer and one that many are faced with regularly, but there are ways to handle these debts legally without reaching for the extreme, final measure that we all dread so much. This book was written to provide every individual who is standing at the precipice of too much debt with the tools they need to settle that debt legally without ruining themselves forever. You will learn everything you need to know about the basics of debt, including what the various kinds secured, unsecured, personal, business, and tax debt entail and how they affect you. You will learn what happens to you when you don't pay, both legally and socially, and what your first steps should be on the road to repairing your debt. You will learn how to assess your overall risks and what your options are with your creditors. You will learn what vulnerabilities your debt collectors have legally and what you can do to legally challenge the validity of your debt. You will learn how to deal with bill collectors and how to create a line of communication that is two ways and not reliant solely on them making demands. Top financial experts, bill collectors, and one-time debt owers have been contacted and interviewed for this book and their interviews have been included here to provide a complete outline of what you can expect when you try to settle your debt. You will learn how to start negotiating settlements with your creditors and what specific things you can and cannot do when dealing with them. You will learn the variety of debtor's rights that exist and why they are never told to you, including details about the Fair Debt Collection Practices Act and how this act is legally enforced. For anyone who has ever spent the better part of their life dodging calls from creditors or trying to figure out how to pay those bills next month, this book will be the tool you need to understand how to tackle and deal with your debt. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Book Synopsis Stop Paying Your Credit Cards by : Arthur V. Prosper
Download or read book Stop Paying Your Credit Cards written by Arthur V. Prosper and published by . This book was released on 2018-01-08 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: ***SECOND EDITION***This book IS about negotiating forgiveness for your credit card debt by writing your creditor one simple negotiation letter and what to do if the creditor refuses to negotiate. If you owe money on your credit cards and cannot make payments anymore because of financial difficulty, this book is for you. I owed over $100,000 in credit card debt and the debt was hurting my life. I had trouble sleeping at night thinking how long my ever-increasing debt would continue to gnaw at me. Even if I could afford to make the minimum payments and do not borrow anymore, with interest of 25% APR, I will still owe a lot of money after many years of making only minimum payments. The interest alone would total close to $100,000. It took a year of trial and error, hours on the phone and writing meaningless letters most of which I copied from the internet before I saw the light at the end of the tunnel. None of the free advice and letters in the internet worked because the truth is I was not insolvent. I did not qualify for bankruptcy protection. I could have paid my credit card debt by liquidating my assets, selling my house, but that would have been devastating for my family. I kept on thinking of a way for my creditors to reduce my debt. I finally came up with The Letter that uniformly worked in negotiating down my debt. After mailing The Letter to my creditors, I received a reply from one of them offering to accept 50% of what I owed as full payment of my debt. I countered with 5%. We finally agreed on 10% of the original amount as full and final settlement of my balance. Considering I had not paid them for a year, I accumulated a little cash, so I was happy to grab the offer and pay the 10%. I had five credit cards with large balances and The Letter worked satisfactorily on four of the accounts. I settled the 4 accounts for between 5% and 15%. The last hold-out, surprisingly the account with the smallest balance at $13,000 chose to take me to arbitration. This negotiation-resistant creditor perceived that they might collect more money from me that way but they were wrong. I was surprised that not one of the 4 creditors even referred to the contents of The Letter or attempted to verify what I had written in the letter. The Letter aims to convey this message: "Take my final settlement offer or sue me. But if you sue me, you will lose". Ken Clark, author of The Complete Idiot's Guide to Getting Out of Debt: "So many people are trying to get their balances reduced, you call and try to negotiate a balance, and it's 'Get in line.'" The card company's attitude may be, "Yeah, you and everybody else"". My Comment - That's because you called to negotiate instead of sending them The Letter shown at the end of this chapter. Trust me there aren't that many accounts in default as a percentage of the whole or our banking system would collapse. If you write The Letter shown at the end of this chapter, the creditor will put you at the front of the line.Brian Tawney, Director of Clear One Advantage: "Based on experience negotiating with creditors, debt settlement companies know what percentage of debt owed each creditor is likely to agree to. We use an algorithm that considers 140 different variables and tells us the accounts that have the highest opportunity to settle at any given time. We negotiate in bulk. We can negotiate thousands of cases and get a better settlement for everyone". Translation: Debt Settlement Agencies take only the easy cases that's why they "negotiate in bulk". If they have to spend more time on your case because you have wages a creditor can garnish and assets they can put a lien on, they will not take your case. I like my system better. You write The Letter shown at the end of this chapter which begs creditors to forgive 85% to 95% of your debt. The creditors can take it or leave it. If they take it, you win. If they leave it, they lose. Author's website: www.didosphere.com
Book Synopsis Negotiating Debt by : Kendall W. Stiles
Download or read book Negotiating Debt written by Kendall W. Stiles and published by Routledge. This book was released on 2019-03-07 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book aims to develop and test a model of International Monetary Fund (IMF) decision-making that will offer a better understanding of how the IMF applies its lending terms to individual countries such as Jamaica, Zaire, Sudan, India, United Kingdom, Turkey and Argentina.
Book Synopsis Negotiating On Credit Card Debt by : Mohamed Rickenbach
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!
Book Synopsis The Complete Debt Relief Manual by : John Oswald
Download or read book The Complete Debt Relief Manual written by John Oswald and published by Author House. This book was released on 2013-01-07 with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Complete Debt Relief Manual is the definitive guide to paying off and eliminating any kind of debt. Written from a procedure writer's perspective, it will guide you, with detailed steps, sample letters, and checklists, through the processes of budgeting, deciding the best way to pay off debts, negotiating settlements with credit card companies or the IRS without getting scammed by debt settlement or consolidation companies, dealing with debt collector calls and hassles, handling or avoiding lawsuits, determining whether or not to declare bankruptcy and how to avoid it, and repairing your credit and improving your credit score. Foreclosure is not dealt with due to its specialized nature and the risks involved of tackling it without an attorney. Born from the author's painful lessons learned and personal experience, The Compete Debt Relief Manual is a treasure of accurate and effective procedures to guide your every step on your journey to debt freedom.
Book Synopsis Negotiate and Settle Your Debts by : Mandy Akridge
Download or read book Negotiate and Settle Your Debts written by Mandy Akridge and published by CreateSpace. This book was released on 2011-01-25 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt: Considering debt settlement? Negotiate and Settle Your Debts guides you to an extremely inexpensive way to do your own negotiating and settling of credit card debt. ALSO INCLUDED ARE WHAT THE BANKS ARE ACCEPTING AS SETTLEMENTS AS OF DECEMBER 2012. Save thousands of dollars and improve the quality of your life with this very informative gem of a book. Contents are sample Debt Settlement letters , Instructions on the timelines, How and when to start negotiating with your creditors, What happens each month you go late, Credit Repair Letters, Information about the Statute of Limitations and FDCPA, Information about the IRS Debt Forgiveness laws including Insolvency. Recent debt settlement letters of the authors from Bank of America for 20 cents on the dollar show that the strategies in this book really work. These are easy to follow steps, which allow you to take back control of your financial future. Take action on your credit card debt today and discover the secrets the debt settlement companies and banks don't want you to know!
Book Synopsis Negotiating Debt Reduction in the HIPC Initiative and Beyond by : Coumba Fall Gueye
Download or read book Negotiating Debt Reduction in the HIPC Initiative and Beyond written by Coumba Fall Gueye and published by . This book was released on 2007 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Negotiate and Settle Your Debts - a Debt Settlement Strategy by : Mandy Akridge
Download or read book Negotiate and Settle Your Debts - a Debt Settlement Strategy written by Mandy Akridge and published by CreateSpace. This book was released on 2009-07-09 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: Considering debt settlement? Negotiate and Settle Your Debts guides you to an extremely inexpensive way to do your own negotiating and settling of credit card debt. Save thousands of dollars and improve the quality of your life with this very informative gem of a book.Contents are sample Debt Settlement letters , Instructions on the timelines, How and when to start negotiating with your creditors, What happens each month you go late, Credit Repair Letters, Information about the Statute of Limitations and FDCPA, Information about the IRS Debt Forgiveness laws including Insolvency. Recent debt settlement letters of the authors from Bank of America for 20 cents on the dollar show that the strategies in this book really work. These are easy to follow steps, which allow you to take back control of your financial future. Take action on your credit card debt today and discover the secrets the debt settlement companies and banks don't want you to know!
Download or read book Getting Past No written by William Ury and published by Bantam. This book was released on 2007-04-17 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: We all want to get to yes, but what happens when the other person keeps saying no? How can you negotiate successfully with a stubborn boss, an irate customer, or a deceitful coworker? In Getting Past No, William Ury of Harvard Law School’s Program on Negotiation offers a proven breakthrough strategy for turning adversaries into negotiating partners. You’ll learn how to: • Stay in control under pressure • Defuse anger and hostility • Find out what the other side really wants • Counter dirty tricks • Use power to bring the other side back to the table • Reach agreements that satisfies both sides' needs Getting Past No is the state-of-the-art book on negotiation for the twenty-first century. It will help you deal with tough times, tough people, and tough negotiations. You don’t have to get mad or get even. Instead, you can get what you want!
Book Synopsis The Crumbling Façade of African Debt Negotiations by : Matthew Martin
Download or read book The Crumbling Façade of African Debt Negotiations written by Matthew Martin and published by Springer. This book was released on 1991-06-18 with total page 403 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of Sub-Saharan Africa's debt negotiations in the 1980s. It provides a framework for assessing the major types of debt negotiation, showing that faulty procedure made agreements vulnerable to failure, so that nobody was winning.
Book Synopsis Negotiating Rationally by : Max H. Bazerman
Download or read book Negotiating Rationally written by Max H. Bazerman and published by Simon and Schuster. This book was released on 1994-01-01 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Negotiating Rationally, Max Bazerman and Margaret Neale explain how to avoid the pitfalls of irrationality and gain the upper hand in negotiations. For example, managers tend to be overconfident, to recklessly escalate previous commitments, and fail to consider the tactics of the other party. Drawing on their research, the authors show how we are prisoners of our own assumptions. They identify strategies to avoid these pitfalls in negotiating by concentrating on opponents’ behavior and developing the ability to recognize individual limitations and biases. They explain how to think rationally about the choice of reaching an agreement versus reaching an impasse. A must read for business professionals.
