Helping you overcome the burdens of debt and turn your life around.

Contains the information and instructions necessary to help reduce debt, restore credit and protect your assets.

When you’re crippled with debt and hounded by bill collectors, it’s hard to be happy with your life. You can’t qualify for credit, the value of your money is reduced, your economic independence is lost, and your self-esteem can be destroyed as well. But there is a way out.

This CD with a 197-page e-book and 20 forms and worksheets will show you how to successfully manage and overcome your money problems. You’ll also master the debt management techniques necessary to keep your finances in order for the rest of your life.

TOPICS COVERED:

• understanding the world of debt and recognizing the warning signs of debt spiral
• 10 key steps to take immediately
• creating a working budget and managing your money more efficiently
• debt consolidation and settlement
• handling debt collectors and negotiating with creditors
• avoiding foreclosures and repossessions
• protecting your assets from creditors, including the IRS
• decide if bankruptcy is the right choice for you
• dealing with eviction and auto repossession
• student loan and business debts
• how to obtain a credit card
• understanding credit ratings and reports
• how to turn bad debt into good credit

20 FORMS INCLUDED:

• analysis of cash available for debt repayment
• annual worksheet
• combined total income
• debt consolidation schedule
• extension of debt payment agreement
• fixed-variable expenses
• general release
• goals (short-, mid- and long-term)
• monthly expenses
• monthly budget
• monthly worksheets
• net worth calculations
• quarterly record of earnings
• payments to a creditor
• sample letter requesting an out of court settlement
• sample letter requesting installment payments
• savings goals
• schedule of assets for sale or loan
• schedule of need vs. want
• worksheet of debt pay-down

Contents reviewed and approved by experts.