A Survival Guide to Debt

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Did you answer yes to at least one of these questions? Have you given up hope that you will ever recover from your desperate financial situation? Don't despair. Just open this book and discover the simple steps that will allow you to take control of your finances and your life.

As president of a nonprofit debt education organization, Mitchell Allen has helped over 200,000 individuals overcome tough economic times. And he can show you how to spot the warning signs of financial ...

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Did you answer yes to at least one of these questions? Have you given up hope that you will ever recover from your desperate financial situation? Don't despair. Just open this book and discover the simple steps that will allow you to take control of your finances and your life.

As president of a nonprofit debt education organization, Mitchell Allen has helped over 200,000 individuals overcome tough economic times. And he can show you how to spot the warning signs of financial distress, make smart decisions to find a path out of the woods, and manage the emotional stress of a financial meltdown. A Survival Guide to Debt offers comprehensive coverage of all of your options for dealing with debt in a simple, guidebook format designed to empower you to make the best decisions for you. Allen explains

Options for solving your debt problems on your own

Clear tips for negotiating with creditors

How to find professional who can help

The facts and myths and pros and cons of bankruptcy

Detailed descriptions of chapter 7 and chapter 13 bankruptcies

How to live without relying on credit

How to emerge from the woods and build a financially secure life

This book will give you the hope and the practical advice you need to move from debt-induced insanity to emotional and financial security. Whether you are heavily in debt, face repossession or foreclosure, or are considering bankruptcy, this book will provide the information you need to restore your financial health and regain peace of mind.

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Editorial Reviews

Publishers Weekly
Arriving in the midst of the nation's money crisis, this volume is aimed at Americans in dire financial straits: people paying bills with credit cards, avoiding overdue notices and/or facing foreclosure. Allen, the co-founder and head of the Debt Education and Certification Foundation, identifies the principle reasons people accrue significant debt (divorce or death, major medical problems, job loss or income reduction, poor financial choices), helps readers "apply a tourniquet" to stop the financial bleeding, and explains practical but often painful ways to eliminate debt. He includes strategies for negotiating with creditors, determining whether bankruptcy is a viable solution, and taking financial control after re-establishing credit. Along the way, Allen also lays out debtors' legal rights, stresses the importance of savings goals, explores the emotional impact of bankruptcy and provides humanizing encouragement ("You are not your debt"). Allen's casual manner is perfectly calming, and a surplus of real-world examples and worksheets (and a dedicated website) make it a valuable resource for any readers who want a better grip on their finances.
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.
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Product Details

  • ISBN-13: 9781929774708
  • Publisher: Greenleaf Book Group, LLC
  • Publication date: 8/1/2009
  • Pages: 282
  • Product dimensions: 6.00 (w) x 8.90 (h) x 0.90 (d)

Table of Contents

Introduction: Know the Warning Signs 1

How to Tell if You Are in Danger of Getting in Debt Trouble

Part 1 When the Wolf is at the Door

Chapter 1 Facing the Problem 13

Start Making the Decisions That Will Put You on the Road to Getting Out of Debt

Chapter 2 Dealing with Financial Trouble on Your Own 37

Learn the Techniques and Steps That Can Help You Work Directly with Creditors to Solve Your Debt Problem

Chapter 3 Getting Help 61

Find Out the Different Types of Professional Assistance Available to Help You Get Out of Debt Without Declaring Bankruptcy

Chapter 4 Your Rights, Their Rights 83

Learn About the Laws That Protect You While Working with Your Creditors and Also What Creditors Are Permitted to Do as They Try to Collect What You Owe

Part 2 "In Case of Emergency, Break Glass"

Chapter 5 Understanding Bankruptcy 109

How Personal Bankruptcy Can Give You a Fresh Start

Chapter 6 "You Might Need to File Bankruptcy if..." 127

Know the Circumstances That Can Indicate You Should Consider Personal Bankruptcy

Chapter 7 Types of Bankruptcy 143

Understanding the Various Forms of Protections Afforded by the U.S. Bankruptcy Code and How They Apply in Your Situation

Part 3 Blocking, Tackling, and Digging Ditches

Chapter 8 Attitude, Personality, and Money 167

Now That You're Getting Out of Debt, Establish the Habits and Patterns That Will Keep You from Getting in Financial Trouble Again

Chapter 9 Assess Your Financial Situation 187

Getting the Big Picture of Your Finances and Learning How to Use the Tools You Need to Build a Secure Future

Chapter 10 Credit Dos and Don'ts 217

Learn the Right Ways and Avoid the Wrong Ways of Using Credit

Chapter 11Commit to a Savings Plan 241

Set Realistic Goals for Savings, College, Retirement, and "Rainy Days"

Chapter 12 Backing Away from the Edge 257

Additional Information and Resources to Keep on Track for a More Secure Future

Appendixes More Forms and Resources for Financial Self-help

Quick-Reference Guide to Free Self-Help Resources 267

Glossary of Basic Bankruptcy Terms 271

Index 275

Acknowledgments 283

About the Author 284

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Sort by: Showing 1 Customer Reviews
  • Posted October 17, 2010

    more from this reviewer


    A Survival Guide to Debt: How to Overcome Tough
    Times and Restore Your Financial Health
    Author: Mitchell Allen
    Publisher: Greenleaf Book Group Press
    ISBN: 978-1-929774-70-8

    While we may hear alot more about consumer debt and bankruptcy today, it's been an ongoing problem for numerous families for quite awhile. As the President of a non-profit debt education organization, author Mitchell Allen has worked with over 200,000 financially troubled people. This book covers a wide variety of topics, from the warning signs of financial distress, managing the emotional stress of financial problems, making a plan to get out of debt, and more. Much more than a "how to budget" book, the author simply and straightforwardly explains the options available for dealing with money problems, offering both hope and practical advice.

    I've personally read lots of financial books and manuals, and taken classes in personal finance and educating people about personal finance. This guide covers more alternatives and offers more advice, information and actual useful content than any other single source I've ever come across, including college level classes that lasted an entire semester. The author makes the information available in a helpful and easy to comprehend manner, and unlike some guidebooks you don't need a financial background to decipher it. I would highly recommend this as the "go to" manual for dealing with financial problems and debt.

    Was this review helpful? Yes  No   Report this review
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