A Step By Step Plan To Conquer Debt

CHAPTER 5 - "How To Clear Your Debts Without Filing Bankruptcy"

Using sample letter #6 as an example, write them a letter explaining your dire financial situation and that you don't want to be called about the debt, and then -- Do Nothing!  Typically after 90 days the credit card company will "charge off" the debt.  This is because it is not "cost Effective" for them to chase after you for the money.  They are cutting their losses.

Letter #6 cites the law that prevents them from calling you.  They are allowed to send you a letter telling you what further action they plan to take if any.

Letter 1-3 will stop creditors from having further contact with you.  This will give you a lot of breathing space when payments are due.

The second edition of my book has now been published, and is now available on "Target", and "Amazon".

"Zombie" debts are those that are uncollectable.  After Ten years they do not have to be repaid, however there are exceptions such as the IRS, student loans, and secured debts such as a mortgage.  All of this covered in the 2nd addition of my book.

Use one of the seventeen letters in my book and stop creditors dead in their tracks!!!

Go to "Chapter Two" on this website where you will find three letters at the end of the chapter you can use to keep creditor's off your back, both at home, and at work.  Remember, unsecured creditors don't dictate terms, you do!

Don't use motgage modification company's that require you to give them cash up front.  If they fail to get your mortgage modified you are out the money not them.  It is a win, win for them only.

Remember, bill collectors try to collect from yout through intimidation.  If you don't let them intimidate you they lose not you!

Read page number 128 from the first edition of my book, and learn why not to pay "credit fix-it" companies thousands of dollars to fix your credit when  my book can do the same thing for you for a price of only $8.50 on this website!  Seventeen letters to help you clean up your credit profile, and keep creditors at arms length during the process.  This book is written so that it is easy to use on the fly!

You can contact me on the "How To Contact Me" page on this website, and I will be glad to answer any questions you may have.

Join my website and you will have access to chapter two, and three letters you can use to keep creditior's from calling you.

Remember to make copy's of all the credit cards in your wallet, and your drivers license as well. Not to do so will have you scrambling should you lose yor wallet, or have it stolen.

Join my website, and you will be able to access the second chapter of my book, and the three letters you can use to send to creditors.

If you join my website you will have access to chapter two, and the letters it contains to send to creditors in order to prevent them from calling you.

A new credit/debt book is in the works, and will be avalable sometime after the first of the year.

I will be having a contest to name my third book The prize will be a singed copy of my book which then becomes a collectors item.

My new book "The Credit Card Wars And How To Win Them" will soon be available online, and in all major bookstores throughout the U.S.  With letters you can adapt, or use as written.  A wonderful way to stop creditors in their tracks.

Always put "photo ID required" on the signature portion of your credit card.

Tax day will be here soon.  Read my book, and find out what to do if you owe the IRS money.

Never ever tell a creditor where you work as they are allowed to call you there.  This will save you many problems later on.