A POWERFUL GUIDE ON TO HOW TO GET RID OF YOUR DEBT AND AVOID BANKRUPTCY

***Updated October 2013 to include the new HUD change on getting a FHA loan***

Learn How to Get Rid of Your Credit Card and Other Debt by Yourself

Are you drowning in a sea of debt because of job loss, a divorce or separation, a disability or medical problem?

Whatever your circumstances or financial hardship, Attorney Jim Arnold has many years of debt settlement experience and he will show you exactly how to get rid of your debt and avoid bankruptcy using proven debt settlement techniques. He has a track record over many years of settling several million dollars in debt for individuals and businesses while at the same time teaching people how to do it themselves.

This short and power packed book will give you a roadmap and step by step instructions on how to get out of debt without having to declare bankruptcy.

This Book Provides You with Forms, Telephone Scripts, Letters, and Settlement Agreements to Use With Your Creditors

You will be guided through the process of how to get rid of your debt and you will be given the specific instructions as to what to say on the telephone to your creditors, bill collectors and collection agencies. After you settle the debt, Mr. Arnold then gives you the letters and settlement agreements to send to your creditors along with advice as to what to write on the check.

Have You Heard About Debt Settlement and Debt Negotiation Companies but Are Not Sure Whether You should Use them and Pay Them a Fee?

Financial authors Dave Ramsey and Suze Orman and the Federal Trade Commission recommend that you negotiate directly with your credit card companies and other creditors to settle your debt and to not use a debt settlement company. The FTC and many state attorney generals have brought law suits against debt settlement companies. This book tells you exactly how to do it yourself.

How does bankruptcy work?

You will learn:

• The difference between a Chapter 7 and Chapter 13 bankruptcy and what they typically cost.
• The top 5 reasons why people go bankrupt.
• Why you should not undertake to do a bankruptcy by yourself without an experienced bankruptcy lawyer.
• How to locate a bankruptcy lawyer in your area and learn what qualities to look for in a bankruptcy lawyer.

The goal of this book is to teach you how to settle and reduce your own debts to avoid bankruptcy. However, should you consider declaring bankruptcy this book will also teach you what you need to know.

Here are some of the Debt Settlement Secrets that you will learn:

• What are Debts? Secured versus Unsecured Debts?
• What Debts Are Worth Settling?
• Why would a Creditor or Credit Card Company want to take a lesser amount than what is owed?
• What is the Best Way to Get Rid of Debt While Avoiding Bankruptcy?
• What should be said on the Telephone to Your Creditors or the Collection Agency?
• What Objections are You Likely to Hear from the Creditor, and How Should You Respond?
• What is a Restrictive Endorsement and when is it Not Recommended to put it on the Back of Your Personal Check?
• What Happens to Your Credit After Settlement?
• What is the Recent Study which found that Worrying about your Debt Lowers your IQ?
• What is the New August 2013 U.S. Department of Housing & Urban Development Policy on Getting a New FHA Loan a Year after a Foreclosure?

…and more

Don’t miss out on this incredibly valuable, concise guide on how to get out of debt. Find out the debt settlement secrets that will help you get rid of your debt while avoiding bankruptcy to help you get back on your financial feet. Your investment in this book is less than a large latte at Starbucks yet it can save you thousands of dollars if you buy it now.