Credit Repair

The Total Money Makeover: A Proven Plan for Financial Fitness

The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health.

Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!"

The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you.

The Total Money Makeover Workbook

In this fresh, interactive guide, respected financial expert Dave Ramsey offers a proven, comprehensive plan for getting in shape financially.  The Total Money Makeover Workbook takes you one step closer to getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice and the "hope" and the "how-to" needed to turn goals into reality. The Total Money Makeover Workbook includes:

• Useful worksheets and forms
• Readable and informative charts and graphs
• The four factors that keep people from getting in shape financially

The Total Money Makeover Workbook is an essential resource for anyone desiring total financial fitness. Dave's no-nonsense, tell-it-like-it-is approach translates into results for those who diligently follow this complete action plan. Tens of thousands of people have already transformed their financial situation with Dave's advice, rooted in "God's and Grandma's common sense." With The Total Money Makeover Workbook, countless others will be on their way to financial fitness.

How to Get Out of Debt, Stay Out of Debt and Live Prosperously*: *(Based on the Proven Principles and Techniques of Debtors Anonymous)

Millions of consumers have become trapped in a spiral of debt, but there is hope. If you wants to free yourself from the shackles of debt, this book is for you--it can help you "get out of debt, stay out of debt, and live prosperously." Jerrold Mundis writes in a friendly, engaging style, urging readers to stop the cycle of spending. Mundis knows what he's talking about--he, too, was once thousands of dollars in debt and didn't know where to turn. Anecdotes from Debtors Anonymous folks, plus multiple examples from the writer's own life and ledgers, make How to Get Out of Debt an encouraging read, not a condescending one. Once you start your program, you may want to periodically reread some chapters for inspiration--and fun.

With up-to-the-minute information . . . And an all-new preface by the author!

Out of the red . . .

• Do this month’s bills pile up before you’ve paid last month’s?
• Do you regularly receive past-due notices?
• Do you get letters threatening legal action if immediate payment is not made?
• Do the total amounts of your revolving charge accounts keep rising?

Into the black . . .

Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans--from doctors to secretaries, from executives to the unemployed--face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn:

• How to recognize the warning signs of serious debt
• How to negotiate with angry creditors, collection agencies, and the IRS
• How to design a realistic and painless pay-back schedule
• How to identify your spending blind spots
• How to cope with the anxiety and daily pressures of owing money
• Plus the three cardinal rules for staying out of debt forever, and much more!

This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.

The Second Great Depression

This frightening book shows how massive consumer debt will trigger the next depression, starting in 2007. With interest rates increasing, savings rates near zero and debt at its maximum, people will be pushed over their debt limit, causing the depression.

Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance

Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Mortgage industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don't want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. Having this inside information is the only way borrowers can truly get the best possible deal. This book presents that knowledge in an interesting and easy format that anyone can understand. Readers won't be victims of the mortgage industry with this invaluable resource in hand. Instead, they'll get the best possible rates, avoid bogus fees, and get the great deal they deserve.

Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future (2nd Edition) (Liz Pulliam Weston)

Rich Dad's Guide to Becoming Rich...Without Cutting Up Your Credit Cards

The real trick to building personal wealth is learning how to transform 'bad debt' into 'good debt.' This quick-hitting book explains how-without having to cut up credit cards. This is the eighth book in the phenomenally successful Rich Dad series. This book was originally published as an e-book and now joins the Rich Dad series in trade paperback format.

Who wants to be a millionaire? #1 bestselling authors Robert Kiyosaki and Sharon Lechter know that the answer is: everyone. In their bestselling books Rich Dad, Poor Dad, Cashflow Quadrant, and Rich Dad's Guide to Investing, they outlined what anyone can do to become rich. Now, in their first eBook, Kiyosaki and Lechter distill the wisdom of their Rich Dad books into a motivational guide to making money.As a young man, Kiyosaki had two mentors: his father, a highly educated professional who could not manage his money, and his friend's father, a man with less formal education but serious business acumen. Kiyosaki shows how the lessons he learned from his "rich dad"--some unconventional and unexpected--are the foundations of success. With Rich Dad's Guide to Becoming Rich . . . Without Cutting up Your Credit Cards, Kiyosaki and Lechter explain why simply being cheap is not the answer to financial problems--it only makes you a cheap person. Instead, they show how building assets is the key to a prosperous future.

Girl, Get Your Credit Straight!: A Sister's Guide to Ditching Your Debt, Mending Your Credit, and Building a Strong Financial Future

Is “retail therapy” your favorite pastime—even though you really can’t afford it? Do you ignore the balance on your credit card statements, vowing to pay them off at some point down the line? Is your debt preventing you from living your dreams—like buying a home or starting a family? If so, girl, it’s time to get your credit straight!These days, with easy access to multiple credit cards and glossy advertisements that entice us to spend at every turn, it’s all too easy to start racking up debt—and even little slip-ups can lead to real damage over time. In this highly practical follow-up to her bestsellers Girl, Get Your Money Straight! and Girl, Make Your Money Grow!, financial expert Glinda Bridgforth delivers a power-packed plan for paying down debt, repairing your credit score, and securing your financial freedom—along with a future that makes your heart sing.Beginning with simple, engaging exercises to help you assess your spending habits and get clear about what you owe, Girl, Get Your Credit Straight! presents a detailed road map for eliminating debt, one step at a time. You will learn how to: • Devise a system for tracking expenditures, anticipating end-of-month shortfalls, and paying bills on time, every time• Find ways to supplement your income• Consolidate loans to pay off debt faster, decrease stress, and save time and money• Negotiate with your creditors to come up with a payment plan that works for you• Discover the best loans to use for refinancing debt or making major new purchases• Understand how credit bureaus work--and take steps to improve your scoreFilled with Bridgforth’s warmhearted wisdom and advice, and complete with worksheets, affirmations, and inspiring stories of African American women who’ve restored their credit and built new wealth, Girl, Get Your Credit Straight! is a fresh, empowering guide for any woman who wants to say goodbye to debt—for good.

Empire of Debt: The Rise of an Epic Financial Crisis

Many Americans have resisted the notion that their country is an imperial power. The idea seems to contradict the values of the Republic and its Founding Fathers. But in Empire of Debt, prominent financial analysts Bill Bonner and Addison Wiggin argue passionately that not only is the United States an empire, but it is also one whose end is coming soon. Bonner and Wiggin are the brains behind www.dailyreckoning.com, an iconoclastic and irreverent market advisory service that has long raised concerns about American indebtedness and warned of a looming dollar crisis. In Empire of Debt, a sequel to their earlier doom-and-gloom book Financial Reckoning Day, they elaborate on their argument that the U.S. economy is about to implode.

Bonner and Wiggin enumerate a long list of chronic ailments that imperil the American financial system--a massive trade deficit, soaring personal and government debt, a housing bubble, runaway military expenditures. These problems "hardly disturb the sleep of the imperial race," the authors write. "[But] all empires must pass away." Bonner and Wiggin argue that American imperial delusions are similar to the fantasies that fueled the dot-com market mania. They recommend readers buy gold as insurance in the event of a financial crisis. Empire of Debt flounders when discussing how America indebted itself; the authors blame the Federal Reserve Board's low interest rates but gloss over the fact that rates were slashed because the U.S. teetered on the brink of deflation in 2002 and 2003 (a topic they give more attention to in Financial Reckoning Day). As hardcore free-marketeers, Bonner and Wiggin also seem to long for the pre-welfare days of the 1920s but forget how that period's policies led to the Great Depression. That said, Empire of Debt contains many revelations that will open eyes. --Alex Roslin

In Empire of Debt, maverick financial writers Bill Bonner and Addison Wiggin provide you with the first in-depth look at how the American character has shifted to accommodate its new imperial role; how we have abandoned the private virtues of personal liberty, economic freedom, and fiscal restraint; and how the government has gained control of public life and the economy.

Currency of Hope

First publication by the Debtors Anonymous 12 Step Fellowship. It describes the basics of the D.A. recovery program and includes 38 success stories of D.A. members. It offers experience, strength, and hope to help other compulsive debtors and all those who want to stop incurring unsecured debt, such as credit cards, unsecured loans, personal loans, unpaid taxes, and more.