The Complete Debt Relief Manual

 "Feeling Overwhelmed By Your Debt?"

• Are you worried about your debt?
• Struggling to make all your payments?
• Tempted to hire a debt relief company to help you?
• Considering Bankruptcy?
• Facing a lawsuit from a collector?
• Late on your payments?
• Concerned about your credit score?

The Fastest Way to Eliminate Credit Card Debt - Guaranteed.

I have a confession to make. I used to be a slave to debt for many years. I made every mistake with handling money you'll imagine. It needs to the purpose where I used to be beaten down and hopeless in debt, with no retirement savings (cashed out), no savings, tens of thousands in MasterCard debt, and not enough income to pay my mortgage, bills, and monthly payments. I had to try to do something.I began a painful, confusing, and expensive journey through the maze of debt relief options and consequences. After making several costly mistakes and spending many hours of intense research I became, through first-hand experience, an expert on debt elimination and credit repair. I even have captured all of the simplest strategies and precautions available and have created a map to urge you thru the mine-field of great debt problems safely.This book may be a treasure map, a jailbreak plan, a WAR PLAN. Every war that has ever been won was won due to a superior and well thought out war plan. this is often your chance to get proven, safe, and FAST methods to win your war with debt and completely eliminate the mountain of debt you're under.I wish I had known these things before I got into debt in the first place. Knowing what I do know, and being where I have been, I will be able to never get into debt again, and my passion helps people eliminate MasterCard debt (and ALL debt).

Need to get out of debt fast? Are you tempted to call the (800) number for one of the credit card debt reduction or credit repair services you heard on the radio? Are you considering Chapter 7 Bankruptcy?

Then You Need This Book Now!

The Complete Debt Relief Manual

By: John Oswald
Revised Edition

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

Don't get scammed by a Debt Settlement, Debt Consolidation, or Credit Repair company!

Here is what the book contains:

• Types of Debt

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

• Credit Card Company Secrets

• Debt Settlement Company Secrets

• Collection Agency Secrets

• IRS Secrets

• Debt Collection Attorney Secrets

• Making Minimum Payments

• Consolidation

• Roll up

• Settlement

• Bankruptcy

• Endless Collections and Lawsuits

• Debt Elimination Strategy Decision Tool

• Discretionary spending

• Saving an Emergency Fund

• Example Budget Spreadsheet

• 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

• Options for Repaying the IRS

• Example Cease and Desist Letter

• Example Cease and Desist AND Debt Validation Letter to Collection Agency

• Example Debt Validation Letter to Collection Agency

• Copy of Letter Threatening a Lawsuit

• Copy of Lawsuit Filed Against Me

• How I Would Answer a Lawsuit Today

• Copy of Creditor's Reply to My Bogus (original) Affirmative Defenses

• Statute of Limitations by State (years)

• 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

• BUDGET CHECKLIST

• DEBT ROLL UP CHECKLIST

• DEBT SETTLEMENT CHECKLIST

• BANKRUPTCY CHECKLIST

• LAWSUIT CHECKLIST

Chapter 1 - The Problem: Slavery to Debt

Chapter 2 - The Secrets

Chapter 3 - Which Debt Elimination Strategy Should You Use?

Chapter 4 - The Almighty Budget

Chapter 5 - How to Create a Budget

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

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

Chapter 10 - How to Eliminate IRS Debt

Chapter 11 - How to Deal with Creditors and Collection Agencies

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

Chapter 13 - How to Repair Your Credit Report

Chapter 14 - How to Rebuild Your Credit

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

Chapter 16 - The Checklists

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