Zero Debt

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This is a reprint of the original edition of Zero Debt.

I know what it s like to have excessive credit card debt. In fact, I know the stresses of having $100,000 in debt. That is the main reason I wrote Zero Debt -- to give people in debt a message of hope: You can conquer your debt! And in many cases, you can do it much faster than you think. If you re drowning in debt, I urge you to pick up a copy of Zero Debt to learn how to quickly...

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This is a reprint of the original edition of Zero Debt.

I know what it s like to have excessive credit card debt. In fact, I know the stresses of having $100,000 in debt. That is the main reason I wrote Zero Debt -- to give people in debt a message of hope: You can conquer your debt! And in many cases, you can do it much faster than you think. If you re drowning in debt, I urge you to pick up a copy of Zero Debt to learn how to quickly eliminate that debt and get on the road to financial freedom. Don't delay: start dumping your debt today!

Book Description: Would you like to be free from financial worries, rest at night knowing your bills are paid, and have peace of mind when it comes to money matters? Then you need Zero Debt. In Zero Debt, you'll discover:

* How to get annoying creditors off your back
* Insider secrets to reduce interest rates or eliminate credit card late fees
* Your legal rights and what bill collectors can and can not do under the law
* The best strategies to clean up your credit report or fix errors in your credit file
* How to make lifestyle changes that will save you money for decades to come!

If you want to be debt-free and achieve financial freedom, you need an action plan to guide you. This book is your step-by-step plan. It's simple. It's easy to understand. And it works.

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Product Details

  • ISBN-13: 9781932450750
  • Publisher: Writers and
  • Publication date: 8/1/2004
  • Series: Zero Debt Series
  • Pages: 210
  • Product dimensions: 6.00 (w) x 9.00 (h) x 0.44 (d)

Table of Contents

Acknowledgments 1
Introduction 8
Not Getting Ahead? 8
Are You Robbing Yourself? 9
The Zero Debt Philosophy 10
Join the Zero Debt Revolution 11
Deprivation Doesn't Work 12
I Don't Have Debt--So This Book Isn't For Me 12
Who Is In Debt and Why? 13
How Long Could You Last without Credit? 14
Take The Zero Debt Path to Financial Freedom 15
Want To Be Better Off a Month From Now? 16
Having Excellent Credit--And "Good" Debt 17
I've Been Deep in Debt Too! 18
Overview: We're A Nation of Debtors 19
Generational Debt 20
Consumer Debt On The Rise Internationally 21
A Few Words to Over-Spenders 22
If It's So Simple, Why Doesn't Everyone Do It? 25
All The Motivation You Need 27
Diagnosis: You're Suffering From The Debt Disease 27
Day 1 Stop the flood of credit card offers 31
Trends In Credit Card Marketing 32
A Sweeter Offer? 33
The Truth About Credit Card Companies 33
Are You Playing The Blame Game? 34
One Easy Phone Call Can Help 35
Opting Out By Mail 36
End All--Well, At Least Most--Junk Mail 36
Day 2 Make a resolution to "stop digging." 38
Why We Spend 40
Day 3 Put all your debts in writing 44
Why Torture Yourself Listing All Your Bills? 44
A Wake-Up Call: How Much Do You Owe? 45
I Debticate Myself to Being Debt-Free 46
Day 4 Order your credit report and FICO score 48
What is a FICO Score? 48
Fact Vs. Fiction About Credit Scores 51
What a FICO Score Considers 53
Is Credit Scoring Fair To Minorities? 54
Little-Known Ways Your Credit Impacts You 54
The "Big Three" Credit Bureaus 56
Are You Eligible For a Free Credit Report? 57
The Credit Report You've Probably Never Heard Of 58
Day 5 Call your creditors & negotiate 61
You Have Leverage 61
Six Things To Ask For 62
The Biggest Myth About Credit Card Cos 62
Getting Your Creditors To Work With You 63
What's The Impact of a 16.9% Interest Rate? 64
But What If You Had A 5.9% Interest Rate? 65
What's The Best Time To Negotiate With Creditors? 66
13 Negotiating Strategies To Lower Your Interest Rate, or Eliminate Late Fees and Over-The-Limit Charges 68
Day 6 Switch cards if necessary 73
The Benefit of Comparison Shopping 73
Warnings About Obtaining New Credit 74
Day 7 Always exceed the minimum payment due 76
"Minimum" Payments Now Really Equal Maximum Payments In the Long-Run 76
A Guaranteed Investment Return 76
But I Don't Have the Money! 77
Day 8 Dispute any inaccuracies in your credit file 79
How Accurate Are Credit Reports? 79
How Do Mistakes In Your Credit File Occur? 80
Credit Errors Can Cost You Mone y And More 81
Fixing Errors & Cleaning Up Your Credit File 81
Raising Your FICO Score 83
Improve Your Credit Score in 3 Days--Legally 83
Day 9 Educate yourself about your legal rights 84
10 Rights Protecting Consumers 85
Day 10 Stop collection agency harassment 93
"Cease Contact" or "Cease and Desist" Letter 93
Using the U.S. Post Office 94
Day 11 Prevent identity theft to protect your credit 95
Tips To Avoid Identity Theft 95
Identity Theft In The Workplace 96
Scams Affect Workers And Those Looking For Work 98
Identity Theft Insurance 99
What to Do if Your Identity is Stolen 101
Day 12 Set up a good filing system 102
Being Organized Helps Your Finances 102
Creating An Effective Filing System 103
What To Keep--And What To Throw Away 103
Maintaining Your Filing System 104
Day 13 Face the truth about your situation 106
Your Finances & The Laws of Cause and Effect 106
In What Condition Is Your Financial House? 108
How Does Your Score Compare To Others? 113
Day 14 Create SMART financial goals 114
The Importance of Written Goals 114
Consider Your Short, Medium and Long-Range Goals 115
Your Retirement Aspirations 115
Day 15 Figure out the $69,000 question: Where will you get the money to pay for your goals, such as slashing your debt? 120
Day 16 Scrutinize your spending 121
How I Got Out of $100,000 in Credit Card Debt 121
Being In Debt Denial 122
Downsizing Hits Home 123
Gaining Perspective on Your Spending 126
Day 17 Make a realistic budget 127
Causes Of Cash Flow Problems 127
4 Simple Steps To Stop Blowing Your Budget 128
Day 18 Find 10 ways to cut your spending 132
Saving Money Doesn't Have To Be A Big Hassle 132
Day 19 Adopt five lifestyle changes as strategies to save more money 134
When shopping, never pay full retail price 135
Become a frequent library patron 135
Take advantage of free/low-cost attractions and events in your city 135
Eat out less often 136
Walk, instead of driving, to any place that's within walking distance 136
How to Look Like a Million Bucks (Without Spending a Fortune) 137
Day 20 At work, adjust your W-4 withholdings if you receive a refund 140
Refund Checks Show Poor Financial Planning 140
A Quick Fix Via Your Human Resources Department 140
Day 21 Sell or donate stuff you don't want, use or need 141
Holiday Giving All Year Round 141
Day 22 Find a way to generate additional income 145
Is a Second Job, or Part-Time Work In Your Future? 145
Turn a Hobby Into Cash 146
The Small-Office Home-Office Solution 146
The Ideal Part-Time Enterprise 147
Leverage The Internet 147
Day 23 Apply for a home equity loan or equity line of credit 149
What's the Difference Between a Home Equity Loan and a Home Equity Line Of Credit? 151
Need A Mortgage? Credit Re-Scoring Can Help 152
What Are Reverse Mortgages? 153
The Pros and Cons Of Reverse Mortgages 155
Day 24 Refinance your auto loan 157
The Capital One Advantage 158
Online Lenders Dominate Auto Refinancing 159
Beware Of Extending Your Loan Length 160
Day 25 Pick a "Pay Down Your Debt" priority strategy 161
The goal is to attack your area of pain 162
What This Technique Does & Does Not Accomplish 163
Unconventional Wisdom 164
Day 26 Weigh the pros and cons of entering a debt management program 166
Credit Counselors: Friend or Foe? 166
Traditional Credit Counseling On the Decline 167
The Financial Ties That Bind 168
How Debt Management Programs Work 169
Do's and Don'ts of Debt Management Plans 169
Day 27 Evaluate your existing insurance coverage 172
Five Types Of Insurance That You Don't Need 175
Day 28 Draw up a will 177
Get the Will to Draw Up A Will 178
Day 29 Open a "hands off" account and set up an automatic savings plan 180
Day 30 Prepare yourself to become a positive financial role model 181
Day 31 Address any other money woes, credit issues, or special financial circumstances 185
Bankruptcy: Your Last-Ditch Option 185
Delinquent Taxes: What To Do About Them 186
Helping Aging Parents With Their Finances 187
Payday Loans: 'Credit' You Must Never Accept 190
Appendix A Credit Bureaus 193
Appendix B Debt Counseling Firms 193
Appendix C Sample Settlement Letter 194
Appendix D Sample Cease & Desist Letter 195
Appendix E The 30-Day Zero Debt Challenge! 196
Appendix F Consumer Resources 198
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Customer Reviews

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  • Anonymous

    Posted June 9, 2008

    A reviewer

    I guarantee you that none of the information provided in this book will be new to you. I thought a day by day guide to relieving debt would be interesting, but most of the daily reads focused on the negative aspect of being in debt. If you are in debt, you don't need to be repeatedly told how bad it is to owe money. You already know. Also, from the very beginning, the book had a negative tone. I almost completely gave up on it when she told me that I should be angry and to use all my anger to get out of debt. Frankly... I'm not angry. Just annoyed with student loans, if nothing else. Didn't like it. Not very helpful at all. Negative. And she seems to think that Rutgers University is located in Princeton, New Jersey. It's not. It's located in New Brunswick. Princeton is located in Princeton. That annoyed me, too. If you really have no idea where debt comes from or how it effects your life, then maybe this is the book for you. If you have a head on your shoulders and even the tiniest sense of how to balance a checkbook, move on to a different title.

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  • Anonymous

    Posted April 13, 2005

    D-E-B-T, an ugly Word

    This is a 30-day guide to financial freedom. Many may not need to follow the guide verbatim because some things may not apply. The tips start with evaluating your financial situation. Khalfani suggests writing it down, because once you see, in writing, how much debt you have then you can start your blueprint to becoming debt free. Visualize what¿s causing the undo stress in your money worrying woes. The next and most important step is to determine ¿how¿ you¿re going to get rid of the debt. This is where the pitfall begins. Most think, ¿If I don¿t have money to pay the debt, where am I going to get extra money to pay more on the debt?¿ The answer: Simplify your life. What does that mean? Get rid of those things you think you need (i.e. cellular phones, expensive cars, weekly hairdos, cable TV, etc.). Once you¿ve completed the first two steps, the rest is easy. The first step is always the hardest. Zero Debt explains financial jargon like: FICO, IRA, adjusted rate, 401(k), etc. before information on the subject is presented. Regardless of your level of debt, you¿ll find some useful tips in this easy-to-read book. In short, here are some of the basics to experiencing Zero Debt and financial freedom. Evaluate debt. Stop creditors. Talk to your creditors and let them know what¿s happening. Get rid of the unnecessary; stick with the necessary. Pay more on debt. Check your credit yearly. Check your FICO scores. Write letters disputing discrepancies on your credit report. Don¿t write the credit reporting agencies; write the creditors directly. Start a budget and stick to it. Consistency. Start a savings plan by making small deposits, and gradually increase them as your debt decreases. I like Khalfani¿s approach to becoming debt-free. Most of what she wrote, I¿ve already heard; however, hearing it again didn¿t hurt. Sure this book is not going to solve your money problem; only you can. But you have to make a concerted effort to stick to the program. The only suggestion, from the author, I don¿t recommend is going into a debt-consolidation program. Why pay someone to do what you can do yourself with a simple phone call? Think about it. What makes a stranger asking to reduce your interest rate more credible than you, the customer, calling to ask the same question? Not to mention, sometimes those services damage your credit rating. Hmm, something to ponder. Reviewed by Esther 'Ess' Mays for Loose Leaves Book Review

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  • Anonymous

    Posted January 1, 2005

    A Fantastic Resource

    I also attended the siminar and this author is very informative. Like most people, I'm getting all the information I need to start the year off debt free. I highly recommend this book and Suze Orman's Guides, Surviving Financial Disasters (I saw this author on TV too).

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  • Anonymous

    Posted December 4, 2004

    Bling, Bling and Broke No More - Hooray for Zero Debt

    After taking Lynnette khalfani's Zero Debt workshop at the Learning Annex I was convinced that even I could turn my financial life around. During her workshop, she guided us through a number of techniques to help improve our credit ratings, handle existing creditors, and learned what to say to aggressive bill collectors. The room was packed while she spoke for nearly 3 hours! Honestly, we would have stayed for six hours because the author is a wealth of knowledge. I would recommend her book (used extensively during the workshop) to anyone deep in over their heads in debt and especially for young college students...the fastest growing segment filing for bankruptcy (we learned during the workshop). Zero Debt is written as a 30 day action plan. However, it won't take you 30 days to read this gem. The information is delivered clearly and in a reader friendly format that anyone can understand.

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  • Anonymous

    Posted September 16, 2010

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