The Complete Idiot's Guide to Beating Debt,9780028627328

The Complete Idiot's Guide to Beating Debt

by
Edition: 1st
ISBN13: 9780028627328
ISBN10: 0028627326
Format: Paperback
Pub. Date: 1999-11-01
Publisher(s): DK Publishing, Inc.
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Summary

You're no idiot, of course. You know the "grace period" for your bills better than you know how to say grace. And if there were an Olympic competition for "credit surfing"--transferring your credit debt from one card to another--you'd bring home the gold metal. But when it comes to paying off that debt, you're afraid it will take a gold-medal winner's endorsements. Don't head for bankruptcy court just yet! The Complete Idiot's Guide to Beating Debt shows you not only how to eliminate the debt you have, but how to create a workable plan of "financial health". In this Complete Idiot's Guide, you get:

Table of Contents

Part 1: Money and Debt 1(30)
Not all Debt Is Bad Debt
3(8)
Learn the difference between good debt and bad debt.
Early Warning Signs of Trouble
11(10)
Money troubles are hard to ignore, but you can employ certain strategies to ease the tension.
Take That Paper Bag Off Your Head When You Drive
21(10)
From late payments to poor planning to minimum payments to overspending, learn the most common mistakes people make that get them into debt.
Part 2: Changing Your Relationship with Money 31(60)
A Frank Talk with Dollar Bill
33(10)
How you think about money has as much to do with your financial health as anything else.
Money Affirmations
43(10)
These simple techniques will help you to think about money the way people with no debt problems do.
Money Is a Family Matter
53(8)
You learned more about money from your family than anywhere else. Make sure you are teaching your kids healthier money attitudes.
The ``B'' Word
61(10)
Budget is not a bad word.
How and Where to Cut Back
71(10)
Yes, you can cut back your expenses without radically affecting you lifestyle.
Call Your Creditor and Say ``Hi'' (The Plan)
81(10)
Creating a solid plan of action will get you out of debt.
Part 3: When Cutting Back Is not Enough 91(72)
Refinancing Your Home
93(10)
Under the right circumstances, refinancing your home can reduce your indebtedness.
Taming the Credit Card Goliath
103(10)
Learn how to avoid the credit cart trap and what to do if credit cards are your problem.
Taking to the Lion: Dealing With Creditors
113(10)
Learn the inside secrets of credit collectors and find out how to get them off your back.
IRS Folks Are People, Too
123(10)
Find out how the IRS works and learn how to get rid of basic tax problems.
Beat the IRS!
133(12)
Learn how to settle your tax debts for pennies on the dollar.
Handling Business Debts
145(10)
Raise prices? Cut overhead? Figure out the best way to handle business debts.
Debtors Anonymous
155(8)
Debtors Anonymous can be a lifesaver for those whose overspending is out of control.
Part 4: A Last Option: Bankruptcy 163(52)
Bankruptcy Basics
165(10)
Learn what bankruptcy is, how it works, and what to expect.
Chapter 7 Pre-Filing Considerations
175(12)
A Chapter 7 may be right for you, if you have the right sorts of debts and don't own too much property.
How a Chapter 7 Case Proceeds
187(10)
Discover how much the case will cost, what you hearing will be like, and more.
Chapter 13 Bankruptcy
197(10)
In the right circumstances, a Chapter 13 repayment plan can get you out of debt.
What Can Go Wrong?
207(8)
Although problems rarely crop up in a bankruptcy, you need to know how to avoid them and what to do when they occur.
Part 5: Getting Ahead of the Game 215(126)
Getting Credit Again
217(10)
Getting credit after a financial crisis doesn't have to be so hard.
What the Rich Know That You Don't
227(10)
The rich know a few things about money that a lot of people don't. Read this chapter to learn the secrets of the very rich.
Real Estate Investing
237(10)
Investing in real estate is a great way to get ahead financially.
Stocks, Bonds, and Mutual Funds
247(10)
Learn the basics of investing in equities, such as stocks, bonds, and mutual funds.
Starting Your Own Business
257(10)
Working for yourself can be one of the most satisfying things you may ever do and can go a long way toward creating financial security.
Life After Debt
267(74)
Get some tips on living a debt-free life and find out what resources are available beyond this book.
Appendixes
A Bankruptcy Petition and Schedules
275(30)
See what your bankruptcy paperwork may look like.
B Sample Chapter 13 Plan
305(2)
See what a Chapter 13 plan looks like.
C Fair Debt Collection Practices Act: Relevant Sections
307(10)
The salient portions of this important consumer protection law are in this appendix.
D Fair Credit Reporting Act: Relevant Sections
317(18)
Learn what credit agencies can and cannot legally do.
E Recommended Resources
335(2)
Financial books and Web sites can provide help beyond this book.
F Glossary
337(4)
A listing of some of the more important terms that you may not already know.
Index 341

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