The Complete Idiot's Guide to Beating Debt

You need this book. Anyone can get into trouble with debt. Many people who get into unmanagable debt do so through little or no fault of their own.... They get into trouble because of bad luck--being laid off work, or not having adequate medical insurance coverage when a serious illness strikes, or having a child or family member with expensive needs. Then the phone calls start--at first, merely embarassing...then later, sometimes, the debt collectors get outright scary and threatening. This book can help you manage all that--teaches you what your rights are and what to do to stop the harrassing and threatening calls. Buy the book. It's the cheapest therapy I know for someone who needs helps in stopping debtor harrassment.

Unlike some of the other posters, I understood how credit worked, but managed to get myself in over my head in college. Like many students, by the time I graduated, I was several thousand dollars in credit card debt. I read this book about a year out of college while I was on my own, living in a rented 1-bedroom apartment. I had already implemented most of the things this book recommends for getting out of debt and, for me, it was the affirmation I needed to keep going on the right track. Two years out of school, I was credit card debt free (though I still had my student loans so I can't say I was completely debt free). I have recommended or bought this book for several of my friends who, with the information in it, managed to turn their credit around and learned valuable skills for dealing directly with their creditors. I would highly recommend it to anyone whether you're clueless or not.

Excellent book! Very easy-to-read. I was clueless as tohow the world of credit actually worked. After readingthis book I felt a sense of relief and came away witha sense of confidence in my knowledge about credit,credit repair, credit scores, financial tips and much more.If your cluesless like I was, this is a definite must read.