How to Settle Your Debts: Without Committing Financial Suicuide

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If you're drowning in debt there's four truths you can take to the bank (no pun intended): (1) you're in plenty of good company; (2) credit card lenders won't help you out of the water; (3) countless debt solution con artists are waiting to rip you off; and (4) believe it or not, your problem - regardless of your circumstances - can be brought under control faster and with much less difficulty than you think.

So, that being said, why should you believe or even listen me? All I can tell you is who I am and let you be the judge. I'm a former collection agency owner (a bad guy), a CPA and for the past 14 years I've made my living helping scores of people just like you deal with debt and money problems (a good guy). I'm street smart, I know the score, and I promise you that there is a light at the end of the tunnel. And better yet, that I can guide you through that tunnel and out of the mess you're in.

My book, How To Settle Your Debts shares my insider knowledge of the ominous debt collection process. It gives you an awareness of the system and provides the tools, the know-how and the leverage that you must have to do the job. You learn how to take control of your money, eliminate your debts, rebuild your credit and energize your life. Even if the roof is about to fall in you can still lawfully escape from your debts while minimizing what it costs and limiting the credit damage it can do. And best of all, you can do it without bankruptcy and without destroying your dignity and your reputation in the process.

My new updated and expanded second edition is easy to read, easy to understand and at the expense of being repetitious, I promise that it willenlighten you, energize you and guide you to take control of your money and escape from your debts. Here is a list of what you will learn:

• You learn the basics - fundamentals about debt, about the risks of failing to pay and about what creditors and debt collectors can and cannot do to collect.

• You learn about credit Card lenders - how to deal with these predators and how to recognize and avoid their cons and their traps.

• You learn about your rights - how they protect you from abuse and how they can be used to punish debt collectors who violate them.

• You learn to understand your problem - how to expose it, examine it, evaluate it and how it's impacting your life.

• You learn about options you have to deal with debts - and how to select those that work best for your situation and needs.

• You learn how to create your best debt solution - craft and implement a plan to eliminate your debts based on your circumstances, your needs and your resources.

• You learn to outwit you adversaries - creditors, debt collectors, attorneys - by knowing their weaknesses and using "Dirty Tricks" to frustrate and discourage them.

• You learn how to use leverage and negotiate - how to convince creditors and collectors to set up favorable arrangements to workout and settle your debts.

• You learn how to protect your assets - and your privacy and how to maintain, repair and rebuild your credit.

• You learn how to deal with - lawsuits, judgments, secured debts, tax debts and how they can often be settled or otherwise favorably resolved.

• You learn how to deal with student loan debts - how to cope with repayment problems and how to take advantage of their favorable terms.

• You learn how to settle business debts - and save your business from bankruptcy and financial ruin.

• And you learn how to get help if you need it - who you can trust and how to avoid all the con-artists and incompetents who are waiting to rip you off.

In a nutshell How To Settle Your Debts puts you in control. It provides everything you need - knowledge, insight, confidence and leverage - to eliminate debt, stop debt collector harassment, protect your assets, protect your privacy and rebuild your credit. And, best of all, you learn how to do it without the self-defeating and humiliating act of filing bankruptcy.
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Editorial Reviews

Midwest Book Review
Among the unfortunate side effects of an economic downturn such as the United States is currently experiencing is the growing debt load that ordinary men and women find themselves having to labor under. Now in a fully updated and significantly expanded second edition, "How To Settle your Debts: Without Committing Financial Suicide" by certified public accountant Norman H. Perlmutter, is the perfect do-it-yourself manual for individuals, families, and businesses who find themselves sinking further and further into crippling debt. Of special note is the new chapter specifically addressing the problems associated with student-loan debt. A major culprit is the credit card companies who deliberately target people's desire for instant gratification for things they don't need and cannot afford. Complicated with deceptive interest rate schedules and conditions, anyone seeking to emerge from crippling debt must become informed with respect to the various techniques of predatory credit card issuers. Drawing upon his many years of experience and expertise in helping individuals and businesses deal successfully with the problems of excessive debt, Perlmutter deftly shows the non-specialist general reader how to wipe out their debt without having to resort to bankruptcy (which Congress has made even more difficult with the finance industry backed legislation); how to effectively deal with bill collectors; settling debts through leverage; clean up and rebuild personal and corporate credit ratings; deal successfully with tax debts, secured debts, and judicial judgments; resolve student loan debt repayment problems; as well as when and how to simply walk away from debts. "How To Settle Your Debts"should be considered profoundly valuable reading for anyone having to deal with problems arising from excessive debt, and be a priority acquisition for college, university, and community library Money/Finance reference collections.
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Product Details

  • ISBN-13: 9780979748301
  • Publisher: Cre-Debt Publications
  • Publication date: 4/1/2008
  • Edition description: Updated
  • Pages: 330
  • Product dimensions: 5.90 (w) x 8.90 (h) x 0.80 (d)

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  • Posted November 23, 2009

    Thank you Norm

    Thank you Norm; I purchased your book yesterday at Barnes and Nobles... 18.95 (ouch) I stayed up last night reading and reading until I had finished... I couldn't put it down as it seemed like it was written just for me. Wow! What a relief to have such powerful information... I had no clue that this enormous amount of information would be available in one book. Thank you so much for your courage and for holding the light that can be clearly seen at the end of the tunnel.

    1 out of 1 people found this review helpful.

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    Posted December 30, 2009

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    Posted April 16, 2009

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