Multcolib Research Picks - Money: Dealing with Credit and Debt
Annotation:In plain English, Leonard shows you how to fix your credit situation quickly, easily, and legally. Learn how to: avoid overspending, get out of debt, build a financial cushion, read and understand your credit report, get mistakes on your credit report fixed, get positive information added to your credit report, and negotiate with creditors. Included are sample credit reports and lists of agencies and organizations to turn to for additional help.
Annotation:Today, a good credit score is essential for getting decent terms on credit, or for getting credit at all. But that's just the beginning: your credit score rating can be reviewed by everyone from employers to cell phone carriers. Now, MSNBC/L.A. Times journalist Weston has thoroughly updated her best-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours.
Annotation:As the former president of the National Consumer Council, Warren has helped thousands of families find relief from crippling debt. This examination of the American debt crisis reveals the inner workings of the personal debt industry, while presenting lessons and action plans for readers who want to reclaim a debt-free life.
Annotation:in 2008, about two-thirds of students graduation from four-year colleges had student loan debt averaging $23,200. In order to work toward paying off your student loan debt, you need to be aware of the existence and amounts of each loan, writes Gobel, a freelance financial journalist who amassed $63,000 in student loans obtaining her degrees.
Annotation:Everything you need to get out of debt and repair your credit. Shows you how to prioritize debts, create a budget, negotiate with creditors, and more. Includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan.
Annotation:Goodman, a former Money magazine reporter, offers detailed advice on mastering your debt based on the latest laws and regulations. Topics include cleaning up your credit report, surviving bankruptcy, protecting yourself from identity theft, mastering the new credit card rules, and taking revolutionary steps to make yourself mortgage free.
Annotation:Vaz-Oxlade's straightforward approach to money management is based on self-control, hard work, and prioritizing what's really important. In this step-by-step guide, she'll show you how to figure out how much you've actually been spending, calculate how much you owe, build a budget that works, minimize your debt repayments, and set goals for a new, debt-free life.
Annotation:Here is everything you need to know about the basics of debt, including the various kinds (secured, unsecured, personal, business, and tax debt) and what they each entail. Discusses what happens to you, both legally and socially, when you don't pay, and what your first steps should be on the road to repairing your credit.