Seven Steps to Freedom from Debt: Repair Your Life While Repairing Your Credit

Last year, 1.1 million Americans filed for bankruptcy and another 40 million were denied credit as a result of negative reports. In easy-to-understand language, Seven Steps to Freedom from Debt is packed with the latest information on legislation and new developments in the credit industry, designed to protect consumers from unfair lending, collecting, and billing practices. Readers will find essential guidelines including:

• How to get credit reports from the major bureaus, interpret their “scoring” systems, and check the reports for accuracy
• Tips on persuading creditors to waive annual fees, lower interest rates, and reduce monthly payments
• Strategies for rapid debt-reduction, opening new lines of credit, and finding the best deals on credit cards, home loans, auto leases, and other credit-building opportunities
• Specific information on medical debts, school-loan repayments, problems arising from divorce settlements, and much more