Life After Debt: How to Repair Your Credit and Get Out of Debt Once and for All

Bob Hammond discusses how to reduce debts, repair credit and deal with creditors and collection agencies. He includes tips on negotiating debts downward and sample letters to creditors. The detailed appendix includes the U.S. Fair Credit Reporting Act, Equal Credit Opportunity Act and Fair Debt Collection Practices Act. This book is primarily targeted to small business owners, employees and the unemployed or underemployed who are having debt problems. We [...] appreciate the basic, "do this," tone of voice and the practical approach to helping someone climb out of debt. (While some of these strategies might be useful anywhere, only U.S. law is discussed.)

Now in a fully updated third edition, Bob Hammond's Life After Debt continues to be the most practical, reader friendly, single volume guide to personal money management and emancipation from crippling debt available to the reading public. Hammond tackles the problems of how debt is caused and solving credit problems -- permanently. Readers will learn how to increase their cash flow, reestablish a sound credit rating in less than 30 days, stop collection agency harassment, raise their credit limit, create an "instant" credit history dating back ten years. Life After Debt is enhanced with addresses and phone numbers of consumer credit services, state banking authorities, and other financial stability resources. Life After Debt is essential reading for anyone struggling to make ends meet.