附註:Includes index.
Setting goals -- Budgeting -- Basic debt handling -- A closer look at credit -- Banking -- Surviving the journey -- Special problems -- Breaking the cycle--what to tell your children.
摘要:Repair Your Credit and Knock Out Your Debt is an indispensable handbook for the 75 million Americans who need to get out of debt and repair their credit rating, drawing on the expertise of Springboard, a non-profit financial services organization that offers extensive credit and financial assistance to consumers. Since it's formation in 1974, Springboard has helped more than four million people conquer their debt and overcome credit problems. This book is particularly timely. The economic headlock of the last 18 months has squeezed record numbers of private citizens into debtor hell. The aftershocks of their financial distress continue to rattle through the economy, manifesting themselves in everything from the rising number of mortgage defaults to the shaky stock of credit card companies that have been forced to write off billions in bad credit. As consumers are assaulted by collection agencies and the taxman, the need increases for a simple handbook that explains how they can escape their precarious position, and that's exactly what Repair Your Credit and Knock Out Your Debt offers them.; This book spells out clearly and succinctly how to: Get out of debt as quickly as possible, under almost any circumstance; Obtain copies of your credit report, read different bureaus' reports, and fix what's wrong; Control your spending and keep the debt-free dream alive; Restore your standing with the bank; Discover and deal with the emotional burden of debt while developing a positive attitude about money; Keep from getting pushed around by collection agencies; Understand how complex pieces of legislation as the Consumer Credit Protection Act and the Fair Credit Billing Act affect you. Quickly tame your debt with short-term tactics, and keep it under control with effective long-term strategies; The book will also offer proven strategies and tips that will help the reader confront issues that frequently thwart the debt-challenged household, such as: foreclosures, evictions, a
