Most of us are giving credit before we understand what that entails. Let’s be honest, not many high schools teach their students about how to manage their finances in the real world. This lack of educating our young people often leads them to misusing credit and eventually finding themselves in a hole. By then, damage to their credit report has been done. But just like they didn’t understand the looming dangers of over-extending their credit, they don’t understand the flipside, namely, how to now repair their bad credit.
This guide seeks to remedy this, offering those who are in a tight financial situation real solutions. Anyone who tells you that the process is easy is lying to you; it takes much longer to repair your credit than it does to damage it. Unless you suddenly strike it rich and are able to pay off your debts, you will have to remain dedicated to the repair process. Most people don’t like to hear this, but the first step to repairing your credit is to take a realistic assessment of your situation. The good news is that I’m here to help!
If you’re one of the millions of Americans in danger of losing your house, The Foreclosure Survival Guide provides the practical information you need, including:
the ins and outs of foreclosure
how to decide if you should try to keep your house
federal programs to help you avoid foreclosure
alternatives to foreclosure, such as short sales and deeds in lieu
new federal foreclosure protection and mortgage servicing rules
new state foreclosure mediation programs
delaying or avoiding foreclosure with bankruptcy, and
avoiding foreclosure scams.
This edition provides up-to-date information on the Making Home Affordable programs, new federal rules, foreclosure timelines, and court decisions affecting homeowners’ rights.
Do your money problems keep you up at night worrying? Do you stress about not having any money left to pay your bills after buying basic necessities? Does it seem like no matter how much you pay off, your debt only increases? More and more people are finding themselves struggling with debt, whether it is from their massive student loans, the mortgage on their home, car loans, or credit card debt. Even those who have great paying jobs often will end up living from paycheck to paycheck.
Stop making choices that are driving you further into debt...
For the first time, two bestselling money management books have been collected into a single volume, Debt Free Forever. This definitive collection tackles some of the most serious problems those who are in debt suffer from, namely a poor credit rating and living well beyond their means. With Debt Free Forever, you will learn techniques that will help you repair your credit as well as strategies that will help you live much more frugally.
Debt Free Forever - The Definitive Collection on Living Frugally and Credit Repair contains the following two books:
Easy Credit Repair - Effective Strategies to Fix Even the Worst Credit Problems by Warren R. Sullivan
Frugal Living - Learn Proven Techniques to Help You Live Within Your Means by Nicole Harrington
Take control of your life and finances today! Debt Free Forever is your first step to a better tomorrow!
Special features of the book include: an extensive review and summary of relevant research literature; extensive coverage of a variety of nationalities and cultures; and a direct comparison between Japan and the United States. Each chapter begins with several short cases and ends with discussion questi
Lawsuits are rampant in this country. Statistics show there is one attorney in this country for every 300 residents; there are an estimated 150,000 people in law school as we speak. On average, 80,000 lawsuits are filed each day. When you are sued, it is too late to protect your assets. You are exposed.
Fortunately, you can act now to protect yourself and family later. In this easy-to-read and comprehensive book, you will learn the simple steps you need to do to protect yourself before there is a problem. The book provides a number of worksheets to help you decide the best plan of action for your financial position and personal needs.
You will learn the ins and outs of protecting yourself and your family through legal methods, such as corporations, family limited partnerships and trusts, family saving trusts, offshore trusts corporations, and limited liability companies (LLCs).
You will learn how to reposition your assets into legal entities that you control, creating bullet-proof security. You will learn about irrevocable living trusts, creating and maintaining LLCs, equity-stripping techniques, privacy plans, durable power of attorney, bankruptcy legislation, and estate planning for high-income individuals, as well as living, testamentary, and pour-over wills. The trick is to own nothing directly but control everything legally.
Once your assets are repositioned and protected, attorneys mostly working on contingency fees are not going to sue you because they have nothing to gain, and since 98 percent of all lawsuits are only about the money, how can they legally take it from you? With the sound guidance in this book, you will be able to protect your hard earned assets.
Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president's garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Consumers have legal powers against aggressive creditors and debt collectors under the Fair Debt Collection Practices Act (FDCPA), the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA) and other federal and state laws. Asserting these legal rights can make creditors and their attorneys go away. Consumers are entitled to recover money damages against creditors and collectors for even one violation of these laws. Part of the Legal Playbooks™ Series, The Debt Relief Playbook is an invaluable resource in defending against creditors, debt collectors and their attorneys.
The Debt Relief Playbook provides a roadmap to financial freedom, including sample letters, court documents, and legal references (The War Chest) that will help you stand up and fight to protect your family and preserve the American dream.
The Debt Relief Playbook is part of the Legal Playbooks™ series of publications designed to arm consumers to stand up to creditors and prevail. It is a statistical fact that one out of three debt collection lawsuits have no merit of any kind! By timely raising legal claims and defenses creditors and their attorneys will go away in defeat. Federal laws include loan forgiveness regulations for student loans, legal defenses which remove all liability on civil debts, and remedies of court-ordered discharge of all debts through bankruptcy. Rights and remedies exist which will be lost if the consumer does not act timely in asserting proper legal claims and defenses.
Proper planning and an early counter-attack can eliminate the problem. When your family is under attack, it is time to fight and prevail!
At exactly 4:06 p.m. on July 18, 2013, the city of Detroit filed for bankruptcy. It was the largest municipal bankruptcy in American history—the Motor City had finally hit rock bottom. But what led to that fateful day, and how did the city survive the perilous months that followed?
In Detroit Resurrected, Nathan Bomey delivers the inside story of the fight to save Detroit against impossible odds. Bomey, who covered the bankruptcy for the Detroit Free Press, provides a gripping account of the tremendous clash between lawyers, judges, bankers, union leaders, politicians, philanthropists, and the people of Detroit themselves.
The battle to rescue this iconic city pulled together those who believed in its future—despite their differences. Help came in the form of Republican governor Rick Snyder, a technocrat who famously called himself “one tough nerd”; emergency manager Kevyn Orr, a sharp-shooting lawyer and “yellow-dog Democrat”; and judges Steven Rhodes and Gerald Rosen, the key architects of the grand bargain that would give the city a second chance at life.
Detroit had a long way to go. Facing a legacy of broken promises, the city had to seek unprecedented sacrifices from retirees and union leaders, who fought for their pensions and benefits. It had to confront the consequences of years of municipal corruption while warding off Wall Street bond insurers who demanded their money back. And it had to consider liquidating the Detroit Institute of Arts, whose world-class collection became an object of desire for the city’s numerous creditors. In a tight, suspenseful narrative, Detroit Resurrected reveals the tricky path to rescuing the city from $18 billion in debt and giving new hope to its citizens.
Based on hundreds of exclusive interviews, insider sources, and thousands of records, Detroit Resurrected gives a sweeping account of financial ruin, backroom intrigue, and political rebirth in the struggle to reinvent one of America’s iconic cities.
The book will help you determine whether you qualify for relief and whether filing for Chapter 7 bankruptcy will help you solve your debt issues. You’ll also learn how to:
stop wage garnishments and lawsuits wipe out as much debt as possible deal with debts you’ve secured with collateral keep as much property as possible, and rebuild credit after bankruptcy
The 20th edition is revised to include instructions that will help you complete the new user-friendly bankruptcy forms, changes to state exemption laws (which determine what property bankruptcy filers can keep), and important legal updates.
Please note: This book does not cover business bankruptcies, farm reorganizations, or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's Chapter 13 Bankruptcy.
Highlights of the new Sixth Edition:2016 2016 Amendments to F.S. Chapter 65Discussion of the recent, conflicting jurisprudence regarding F.S. 702.06 and the issue of a foreclosure plaintiff’s ability to sue at common law to recover a deficiency judgmentFlorida Supreme Court’s decision regarding the 2011 amendment to F.S. 55.03(3) and its application limited to judgments entered after July 1, 2011Personal property exemptions and automobiles as medically prescribed "health aids"Updated analysis of the legislative and judicial response to Beal Bank v. Almand & Associates, 780 So.2d 45, 58–59 (Fla. 2001)Updated analysis of the Florida Revised Limited Liability Company ActUpdated statutes and rules
stop car repossession
reduce car loan debt
stop most debt collectors, and
remove junior liens from your home
Here, you'll find clear explanations of the Chapter 13 process and worksheets to help you:
consider alternatives to bankruptcy
decide if Chapter 13 is your best option
determine if you qualify for Chapter 13
estimate your monthly plan repayment
find and work effectively with an excellent lawyer, and
rebuild your credit after bankruptcy
This revised edition includes all the latest changes in bankruptcy law, including updated 50-state exemption tables, and important U.S. Supreme Court decisions.
If you are considering or have decided to file Chapter 13 bankruptcy, Nolo’s Chapter 13 Bankruptcy is the essential guide you need to understand the procedures and law.
Please note: This book does not cover business bankruptcies, farm reorganizations, or Chapter 7 personal bankruptcy. For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy.
This dynamic casebook is ideal for students who will go into financial restructuring practices and should be targeted to Tier 1 and Tier 2 law schools, especially those faculty members who have recent practice experience and know how out of date the existing competition remains.
Look for these key features in the new edition:Expository text with tightly integrated statutory excerptsCovers both classic and contemporary casesExtensive problem setsIn-depth case-studies contextual judicial decisionsUnique coverage of legal issues in out-of-court restructuringDetailed coverage of modern financial products and marketsText and problem sets incorporate a range of deal documentsModular design enables optional coverage of advanced topics
The New Bankruptcy provides clear-cut information, answers to common questions, worksheets, and strategies to help you figure out whether bankruptcy is the right solution to your debt problem. Find out:
the main differences between Chapter 7 and Chapter 13 bankruptcy whether you qualify for Chapter 7 bankruptcy (the means test) how the Chapter 13 repayment plan works which type of bankruptcy (7 or 13) is better in various situations which debts are wiped out what happens to your property, including your home, car, and retirement accounts, and other ways to handle debt problems.
The book also outlines the bankruptcy process and includes completed sample bankruptcy forms.