Get Out of Debt Now: Don’t be Held Hostage By Your Credit Card

Product Description
Topics Covered:
A Problem Called ‘Credit Card Debt’
Stop Paying the Minimum
How to Play the Balance Transfer Game Successfully
College Student Credit Card Debt
Getting Out of Credit Card Debt
Don’t Save When You Have Debt
Credit Card Debt Management
Credit Card Debt Reduction
Negotiating Your Debts
Credit Card Debt Settlement
Taking Steps towards Credit Card Debt Elimination
Getting a Run for Your Money: How to Consolidate Your Debt
Consolidate Credit Card Debt
The Benefits of Credit Card Debt Consolidation
Should I Get a Consolidation Loan?
Is Consolidating Credit Card Debt a Good Option?
Bad Debt Credit Card: What is It?
Always Avoid Payment Holidays
Low Interest Credit Cards
Excessive Credit Card Debt Examined

Get Out of Debt Now: Don’t be Held Hostage By Your Credit Card

CRAMDOWN: Renegotiating Mortgages, Car Loans, Student Loans, Credit Card Debt, Taxes & Other Obligations in the Age of Wall Street Bailouts

Product Description
This fall, Silver Lake Publishing is “crashing” into retail stores a new book on loan mods and other renegotiations. CRAMDOWN: Renegotiating Mortgages, Car Loans, Student Loans, Credit Card Debt, Taxes & Other Obligations in the Age of Wall Street Bailouts follows in the series that has included the national bestsellers Identity Theft and Scams & Swindles. This is the first comprehensive book on the topic of loan mods widely available to a national audience.
Today’s financial environment may seem like a chaotic free-for-all. But it’s not. In order to take advantage of the opportunity to improve your situation (or your clients’) and to tell the honest brokers from the crooks, you need to know the rules. RESPA, TILA, ARRA, the FCRA, Regulation Z. This book explains those rules—and gives you the tools for explaining them to clients and prospects.
Each part of the financial sector (home loans, car loans, student loans, etc.) has its own standards, priorities and procedures. If you know these, you can speak the language of today’s deal. Of the Cramdown.
Here’s the Table of Contents:
Chapter 1: The Spirit of Renegotiation
Chapter 2: Mortgage Modification
Chapter 3: Foreclosures and Deeds-in Lieu
Chapter 4: Real Estate Short Sales
Chapter 5: Settling Credit Card Balances
Chapter 6: Auto Loans and Leases
Chapter 7: Student Loans
Chapter 8: Personal Loans
Chapter 9: Payday Loans
Chapter 10: Taxes
Appendix 1: Letters, forms, etc.

CRAMDOWN: Renegotiating Mortgages, Car Loans, Student Loans, Credit Card Debt, Taxes & Other Obligations in the Age of Wall Street Bailouts

Rich Diesslins Cartoon Days of Christmas TCDC – VAL Cartoon about Christmas Shopping and Debt – Coffee Gift Baskets – Coffee Gift Basket

Product Description
VAL Cartoon about Christmas Shopping and Debt Coffee Gift Basket is measuring 9x9x4. Contains 15oz mug, BONUS free set of 4 coasters, biscotti and 5 blends of gourmet coffee. French Vanilla, Kenya AA, Decaf Colombian Supremo, Chocolate and Italian Roast Espresso elegantly presented in our signature black planet coffee gift box. A very nice and thoughtful gift for any occasion.

Rich Diesslins Cartoon Days of Christmas TCDC – VAL Cartoon about Christmas Shopping and Debt – Coffee Gift Baskets – Coffee Gift Basket

Graduation Debt: How to Manage Student Loans and Live Your Life

• ISBN13: 9780470506899
• Condition: New
• Notes: BRAND NEW FROM PUBLISHER! BUY WITH CONFIDENCE, Over one million books sold! 98% Positive feedback. Compare our books, prices and service to the competition. 100% Satisfaction Guaranteed

Amazon.com Review
Graduation Debt is different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt.

The book’s content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios that’s needed to buy a home, discussing their student loan and non-student loan debt with their significant others.

By the end of the book readers will be on the road to managing all their debt and having extra money for vacations and other fun stuff, too.

How to Miss Student Loan Payments Without Hurting Your Credit
Amazon-exclusive content from the author

Worried your credit will take a nose dive if you miss federal student loan payments? Your credit won’t be dinged if you call your loan servicer and qualify for a temporary payment reprieve.

What steps do you need to get approval for an excused absence from making payments?

1. Write down your monthly expenses and your monthly income on a piece of paper. Your loan servicer is going to want to know why you need a break from student loan payments.

2. Peruse the Department of Education’s or your servicer’s Web site to see if there are special reasons you might qualify for a payment break such as military service or you’re returning to school. You’ll find the words forbearance and deferment. These are the terms used for an approved temporary break from payment. The difference between the two is that in deferment the government will pay the interest charged until your deferment expires.

3. Write down circumstances that apply to you that you found on the same piece of paper as your finances.

4. Find the contact information for all your student loans. If you don’t have your paperwork for all your loan servicers, contact the department of Education or pull up your loan list by logging in to the National Student Loan Data System Web site.

5. Click on each loan that shows a balance in the Outstanding Principal column. Scroll down to the contact chart and write down the name of your servicer and the contact number. Repeat for each loan on which you still have a balance.

6. When you call each of your servicers, tell them you need either a deferment or forbearance. Then tell them your circumstances as to why you need a payment break. There may be a brand new type of forbearance or deferment that may work better for you.

7. Don’t accept more time than the maximum you could need at once, especially if you qualify for forbearance instead of a deferment. Why? Your interest still accrues if you are granted forbearance. For example, let’s say you have $60,000 in student debt at a rate of 5 percent. You decide to take a six-month payment break. Six months later, your loan has grown to $61,500 because of accrued interest and no payments made.

8. Fill out any necessary paperwork asked for by your servicer (s). Wait a week after you submit paperwork to call and verify paperwork has been received.

9. To protect your credit, wait to stop making payments until you’ve received a notice in writing from each servicer with the exact date your deferment or forbearance will begin and end. Call each servicer to verify this date and the date you should start making payments when your deferment or forbearance ends.

10. Keep your loan information in a folder in a place where you will be able to easily find the information later.

Graduation Debt: How to Manage Student Loans and Live Your Life

The Debt: What America Owes to Blacks

Product Description
In this powerful and controversial book, distinguished African-American political leader and thinker Randall Robinson argues for the restoration of the rich history that slavery and segregation severed. Drawing from research and personal experience, he shows that only by reclaiming their lost past and proud heritage can blacks lay the foundation for their future. And white Americans can make reparations for slavery and the century of racial discrimination that followed with monetary restitution, educational programs, and the kinds of equal opportunities that will ensure the social and economic success of all citizens.

In a book that is both an unflinching indictment of past wrongs and an impassioned call to our nation to educate all Americans about the history of Africa and its people, Robinson makes a persuasive case for the debt white America owes blacks, and the debt blacks owe themselves.Amazon.com Review
Randall Robinson, the founder and president of TransAfrica (a lobbying organization dedicated to influencing U.S. policy toward Africa and the Caribbean), recounted his heroic struggle to fight and overcome racism in the magnificent Defending the Spirit. In his triumphant follow-up, The Debt, he goes further than any previous black public figure in calling for reparations to African-Americans for the present-day racism that stems from 246 years of slavery. Citing compensation that Jews and Japanese Americans have received, he writes, “No race, ethnic or religious group has suffered as much over so long a span as blacks have and do still, at the hands of those who benefited … from slavery and the century of legalized American racial hostility that followed it.” In making his case, Robinson utilizes facts and figures that highlight the disparity between African-Americans and whites. While fully recognizing the monumental odds of this movement’s success, Robinson feels that the push for reparations will also greatly benefit African-Americans in nonmaterial ways: “Even the making of a well-reasoned case for restitution will do wonders for the spirit of African-Americans,” he argues. “It will cause them to at long last understand the genesis of their history–before, during, and after slavery–into one story of themselves.” –Eugene Holley Jr.

The Debt: What America Owes to Blacks