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    The Complete Debt Relief Manual: Step-By-Step Procedures For: Budgeting, Paying off Debt, Negotiating Credit Card and Irs Debt Settlements, Avoiding Bankruptcy, Dealing with Collectors and Lawsuits, and Credit Repair - Without Debt Settlement Companies
    The Complete Debt Relief Manual: Step-By-Step Procedures For: Budgeting, Paying off Debt, Negotiating Credit Card and Irs Debt Settlements, Avoiding Bankruptcy, Dealing with Collectors and Lawsuits, and Credit Repair - Without Debt Settlement Companies
    The Complete Debt Relief Manual: Step-By-Step Procedures For: Budgeting, Paying off Debt, Negotiating Credit Card and Irs Debt Settlements, Avoiding Bankruptcy, Dealing with Collectors and Lawsuits, and Credit Repair - Without Debt Settlement Companies
    Ebook148 pages1 hour

    The Complete Debt Relief Manual: Step-By-Step Procedures For: Budgeting, Paying off Debt, Negotiating Credit Card and Irs Debt Settlements, Avoiding Bankruptcy, Dealing with Collectors and Lawsuits, and Credit Repair - Without Debt Settlement Companies

    By John Oswald

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    About this ebook

    The Complete Debt Relief Manual is the definitive guide to paying off and eliminating any kind of debt. Written from a procedure writer's perspective, it will guide you, with detailed steps, sample letters, and checklists, through the processes of budgeting, deciding the best way to pay off debts, negotiating settlements with credit card companies or the IRS without getting scammed by debt settlement or consolidation companies, dealing with debt collector calls and hassles, handling or avoiding lawsuits, determining whether or not to declare bankruptcy and how to avoid it, and repairing your credit and improving your credit score. Foreclosure is not dealt with due to its specialized nature and the risks involved of tackling it without an attorney. Born from the author's painful lessons learned and personal experience, The Compete Debt Relief Manual is a treasure of accurate and effective procedures to guide your every step on your journey to debt freedom.
    LanguageEnglish
    PublisherAuthorHouse
    Release dateJan 7, 2013
    ISBN9781477297544
    The Complete Debt Relief Manual: Step-By-Step Procedures For: Budgeting, Paying off Debt, Negotiating Credit Card and Irs Debt Settlements, Avoiding Bankruptcy, Dealing with Collectors and Lawsuits, and Credit Repair - Without Debt Settlement Companies
    Author

    John Oswald

    John Oswald is a mechanical engineer and a Certified Professional Procedure Writer. Drowning in debt and divorced in 2006, he started his journey to debt-freedom, which included getting swindled by a debt settlement company, lawsuits, an IRS repayment plan, debt settlements, Chapter 7 Bankruptcy, and recovery of his good credit rating. He learned that avoiding his own mistakes and dealing with debt problems, credit card companies, collectors, the IRS, and attorneys would have been profoundly simple, if he had known the secrets and methods he reveals in The Complete Debt Relief Manual. His passion is to help people avoid his mistakes, eliminate their debts, and steer clear of the predatory debt settlement and consolidation companies.

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    • 5/5
      Excellent book, well written , clear concise, well researched and has almost everything relating to Debt relief in USA.
      Love from India

    Book preview

    The Complete Debt Relief Manual - John Oswald

    THE

    COMPLETE

    DEBT RELIEF

    MANUAL

    Step-By-Step Procedures for:

    Budgeting, Paying Off Debt, Negotiating Credit Card and IRS Debt Settlements, Avoiding Bankruptcy, Dealing with Collectors and Lawsuits, and Credit Repair - Without Debt Settlement Companies

    JOHN OSWALD

    42245.jpg

    AuthorHouse™

    1663 Liberty Drive

    Bloomington, IN 47403

    www.authorhouse.com

    Phone: 1-800-839-8640

    © 2013 John Oswald. All Rights Reserved.

    No part of this book may be reproduced, stored in a retrieval system, or transmitted by any means without the written permission of the author.

    Published by AuthorHouse 01/03/2013

    ISBN: 978-1-4772-9756-8 (sc)

    ISBN: 978-1-4772-9755-1 (hc)

    ISBN: 978-1-4772-9754-4 (e)

    Library of Congress Control Number: 2012923415

    Any people depicted in stock imagery provided by Thinkstock are models,

    and such images are being used for illustrative purposes only.

    Certain stock imagery © Thinkstock.

    Because of the dynamic nature of the Internet, any web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.

    Table Of Contents

    Introduction

    Chapter 1 - The Problem: Slavery to Debt

    Types of Debt

    Good News - you can get out of debt and stay out

    Chapter 2 - The Secrets

    Credit Card Company Secrets

    Debt Settlement Company Secrets

    Collection Agency Secrets

    IRS Secrets

    Debt Collection Attorney Secrets

    Chapter 3 - Which Debt Elimination Strategy Should You Use?

    Making Minimum Payments

    Consolidation

    Roll up

    Settlement

    Bankruptcy

    Endless Collections and Lawsuits

    Debt Elimination Strategy Decision Tool

    Chapter 4 - The Almighty Budget

    Discretionary spending

    Saving an Emergency Fund

    Chapter 5 - How to Create a Budget

    Example Budget Spreadsheet

    Chapter 6 - How to Cut Up Your Credit Cards

    Chapter 7 - How to Eliminate Debt by Roll Up

    Chapter 8 - How to Eliminate Debt by Settlement

    Example Settlement Offer From Creditor

    Example Letter for Settlement Offer

    Example Letter for Countering a Creditor’s Settlement Offer

    Example Letter for Acceptance of Settlement (conditional)

    Example Letter for Acceptance of Settlement

    Chapter 9 - How I Eliminated My Debt by Bankruptcy (without an attorney)

    Chapter 10 - How to Eliminate IRS Debt

    Options for Repaying the IRS

    Chapter 11 - How to Deal with Creditors and Collection Agencies

    Example Cease and Desist Letter

    Example Cease and Desist AND Debt Validation Letter to Collection Agency

    Example Debt Validation Letter to Collection Agency

    Chapter 12 - How I Dealt with a Creditor Lawsuit (without an Attorney)

    Copy of Lawsuit Filed Against Me (4 pages)

    Here is Roughly How I Would Answer Today

    Copy of Chase’s Reply to My Bogus (original) Affirmative Defenses

    Statute of Limitations by State (years)

    Chapter 13 - How to Repair Your Credit Report

    Example Letter to Collector to Remove Inquiries

    Example Letter to Credit Bureau to Remove Inquiries

    Example Letter to Credit Bureau (or Collector) to Request Correction to Credit Report

    Chapter 14 - How to Rebuild Your Credit

    Chapter 15 - To Your Freedom (Staying out of Debt)

    Chapter 16 - The Checklists

    BUDGET CHECKLIST

    DEBT ROLL UP CHECKLIST

    DEBT SETTLEMENT CHECKLIST

    John’s BANKRUPTCY CHECKLIST

    John’s LAWSUIT CHECKLIST

    DISCLAIMER

    The author is not an attorney. Nothing in this book should be considered legal, accounting, or professional advice. If legal or other professional advice is required, the author recommends seeking competent legal or professional advice. Though this information is meant to be accurate and helpful, and many people may achieve wonderful results through the use of this information, including breaking free from debt and saving thousands of dollars in the process, no guarantees of positive results, or avoidance of negative results, are being promised or guaranteed by the author. Certain situations carry inherent risk, such as representing yourself in a lawsuit. The author makes no guarantees of success, and the user of this information assumes all risks and potential liabilities involved.

    Introduction

    This book is not only about getting out of debt. This book shows you how to:

    • Decide on the best way to eliminate your debt and then DO IT

    • Handle Creditors

    • Handle lawsuits

    • Protect or repair your credit report and score

    • Save money while doing all the above

    At the end of this book are check lists you can use to keep track of your actions and progress. Please make copies and use them as you go through this process.

    Most of this information is kept secret by creditors, debt settlement companies, and attorneys. All of them are after one thing – your money. If they told you what I’m about to tell you, they would go out of business.

    In assembling this information through personal experience, I spent thousands of dollars on a debt settlement company, accountants, attorneys, and interest on my debt. This book is a roadmap I wish I would have had a few years ago. I could have easily saved several hundred times the price you paid for this information, and, if you’re in a similar situation, and you use the tools you’re about to learn, you will too.

    I want you to keep your money. I want you out of debt. I want America out of debt. And I want the word to spread. Please share what you learn from this book.

    In order for this process to work, you have to decide right now that debt is your enemy and that you want to beat it. You will need to stay the course and stand strong against pressure from creditors, collection agencies, attorneys, fear, and the temptation to keep spending money you don’t have. You can get out of debt and stay out. You can rebuild your credit and improve your credit score. You can even recover from bankruptcy if that is your only option. And I am about to show you how.

    Chapter 1 - The Problem: Slavery to Debt

    If you’re reading this book, you are probably struggling to pay your mortgage and loan payments, medical bills, taxes, insurance, etc. You may be desperate enough to pay an attorney or debt consolidation firm to help you fight lawsuits or negotiate settlements with the credit card companies or other creditors. Or maybe you’ve already paid someone a bunch of money for help, only to be frustrated by continued phone calls from creditors, Sheriffs serving you court summonses, and your shrinking bank balance.

    Quote1.tif

    One of the wisest men of all time likened being in debt to being a slave. Debt is a cruel master. Debt kills - marriages, careers, retirements, and dreams, even though the knuckleheads in the federal government would tell you otherwise. Overspending causes debt, and debt is BAD.

    In multiple studies, debt and financial issues stand alone as the top reason for divorce.

    In fact, at the end of my first marriage, I had cashed out my 401K (over $150K), which caused me to owe the IRS a hefty sum (over $24K), bought a home I couldn’t afford, bought a boat I couldn’t afford, bought a new car I couldn’t afford, and had around $100K in unsecured debt, mainly

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