Managing Debt For Dummies

Managing Debt For Dummies

by John Ventura, Mary Reed


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Managing Debt For Dummies by John Ventura, Mary Reed

If you’re trying to kick the “Buy Now/Pay Later”habit and get your spiraling debt under control, you needManaging Debt For Dummies now! This practical, commonsenseguide provides straightforward strategies for coping with everykind of secured and unsecured debt, including, personal loans, carloans, mortgages, home equity loans, lines of credit, credit cards,finance company loans, and student loans. You’ll find out howeasy it is to:

  • Distinguish between good and bad debt
  • Go on a “debt diet” to get back into financialshape
  • Start a filing system to track debt and protect life afterdebt
  • Adopt a smart spending regimen
  • Increase your income
  • Consolidate your debt
  • Decide which bills to pay when you can’t pay themall
  • Use credit cards responsibly

You can still live well while slashing spending on groceries,clothing, and entertainment. Find out how in Managing Debt forDummies.

Product Details

ISBN-13: 9780470084861
Publisher: Wiley
Publication date: 02/12/2007
Series: For Dummies Series
Pages: 312
Sales rank: 685,778
Product dimensions: 6.10(w) x 9.20(h) x 0.70(d)

About the Author

John Ventura: John is a best-selling author and a nationallyboardcertified bankruptcy attorney. He is also an adjunct professorat the University of Houston Law School and the director of theTexas Consumer Complaint Center at the Law School.
As a young boy, John dreamed of becoming a Catholic priest so hecould help everyday people, and he spent his high school years in aCatholic seminary. After graduating, however, John decided toachieve his dream by combining journalism with the law. Therefore,he earned an undergraduate degree in journalism and a law degreefrom the University of Houston Law School. Later, he and a partnerestablished a law firm in Texas, building it into one of the mostsuccessful consumer bankruptcy firms in the state. He subsequentlybegan a successful consumer law firm in South Texas.
Today, as Director of the Texas Consumer Complaint Center, hesupervises law students as they help consumers with their legalproblems. He is also a regular speaker at law conferences aroundthe country and serves on the Bankruptcy Council for the Texas BarAssociation.
John is the author of 13 books on consumer and small business legalmatters, including Law For Dummies, 2nd edition; TheEveryday Law Kit For Dummies; Divorce For Dummies, 2nd edition;and Good Advice for a Bad Economy (Berkeley Books). John hasbeen interviewed about consumer money matters by numerous nationalmedia including CNN, NBC, NPR, Bloomberg Television & Radio,The Wall Street Journal, USA Today, Newsweek, Kiplinger’sPersonal Finance, Money, Inc. Martha Stewart’s Living,Bottomline, Entrepreneur,,, In addition, his comments and advice have appeared inmajor newspapers around the country, and he has been a frequentguest on local radio programs.

Mary Reed: Mary Reed is a personal finance writer who hascoauthored or ghostwritten numerous books on topics related toconsumer money matters and legal rights. The books she hascoauthored with John Ventura include The Everyday Law Kit forDummies, Divorce For Dummies, and Good Advice for a BadEconomy (Berkeley Books). Mary has also written for themagazines Good Housekeeping, Home Office Computing, andSmall Business Computing, and she has ghostwritten numerousarticles that have appeared in national and localpublications.
Mary is also the owner of Mary Reed Public Relations (MR•PR),an Austin, Texas-based firm that provides public relations servicesto a wide variety of clients, including authors, publishers,attorneys, financial planners, healthcare professionals, retailers,hotels, restaurants, and nonprofits.
Prior to starting her public relations business and writing career20 years ago, she was vice president of marketing for a nationalmarket research firm, marketing director for a women’shealthcare organization, and public relations manager for TexasMonthly, a national award-winning magazine. She received herMBA from Boston University and her BA from Trinity University inWashington, DC.
In her free time, Mary serves on the board of a communitydevelopment corporation in her neighborhood. She also enjoys longmorning bike rides, road trips with her husband, gardening, workingher way through the stack of books by her bed, taking care of hersix cats, and spending time with her family and many friends.

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Table of Contents


Part I: Getting a Grip on Your Finances.

Chapter 1: The Basics of Managing Too Much Debt.

Chapter 2: Facing Financial Facts.

Chapter 3: Adopting an Attitude for Success.

Part II: Going on a Debt Diet.

Chapter 4: Building a Budget.

Chapter 5: Slashing Your Spending and Making More Money.

Chapter 6: Negotiating with Your Creditors.

Chapter 7: Consolidating Your Debts.

Chapter 8: Using Credit Counseling to Get a Grip on YourFinances.

Chapter 9: Dealing with Debt Collectors.

Part III: Tackling Your High-Stake Debts.

Chapter 10: Managing Your Past-Due Mortgage.

Chapter 11: Keeping Your Wheels on the Road.

Chapter 12: Avoiding an Eviction and the Loss of YourUtilities.

Chapter 13: Handling Medical Bills and Child SupportObligations.

Chapter 14: Catching Up on Your Federal Taxes.

Chapter 15: Taking Responsibility for Your Federal StudentLoan.

Part IV: Avoiding Debt Problems down the Road.

Chapter 16: Getting Good Credit Back.

Chapter 17: Life after Too Much Debt: Staying on Track.

Part V: The Part of Tens.

Chapter 18: Ten Great Resources for Dealing with Debt.

Chapter 19: Ten Debt Don’ts.


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