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When you're drowning in credit card debt is bankruptcy the only option? No, according to debt-relief expert Harvey Z. Warren, who has helped thousands of families find relief from crippling debt. And if you are overwhelmed by debt or teetering on the edge of bankruptcy, Drop Debt can help you find relief, too. This no-holds-barred examination of the inner workings of the credit card and collection industries reveals lessons and action plans that will help you reclaim a debt-free life. Warren offers critical and practical advice, such as How to negotiate with creditors Why endless minimum payments on your credit cards can hurt your credit rating How to make the best use of a debt-settlement company The costs and benefits of consumer credit counseling Where to find the resources you need to become debt-free When "responsible debt relief" is your best option With powerful first-person testimonies and well-researched background material, Drop Debt offers you the confidence and the skills you'll need to overcome the shame of debt, take control of your finances, and live a comfortable life well in the black. Book jacket.