Bad credit can get better

Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit reports and rebuild your credit. Learn how to:

• prioritize debts and create a budget


• reduce debts and cut expenses


• negotiate with creditors


• correct credit report errors and remove old information


• add positive information to your credit reports


• adopt strategies to rebuild your credit, and


• avoid identity theft and credit repair scams.

The 16th edition covers when a lender must explain credit decisions and the latest strategies for dealing with student loan debt. It also includes recent debt collection developments, such as limitations on how often a collector can call and restrictions on a collector's use of texts, emails, and social media.

Get out of debt and regain your financial freedom.

If you're overwhelmed by debt, facing collection calls, a wage garnishment, foreclosure, car repossession, or a lawsuit, Solve Your Money Troubles is for you. This comprehensive guide will help you deal with your financial problems. It provides the information you need to manage your debt, deal with financial emergencies, and formulate good practices for handling your money in the future.

Solve Your Money Troubles provides the practical information you need to take financial control of your life. Learn how to:

• prioritize debts and create a budget


• stop harassment by debt collectors


• negotiate with creditors


• deal with wage garnishment, car repossession, and foreclosure


• reduce or eliminate student loan payments


• know what to expect if a creditor sues


• decide if bankruptcy is the right option for you, and


• rebuild your credit.

The new edition of Solve Your Money Troubles is updated with the latest legal developments in the areas of debt, credit, and bankruptcy. You'll also find sample forms you can use when negotiating with creditors, worksheets to help you create a plan to repay your debts, and other practical forms to help you get out of debt and make a fresh start.

If you're in over your head with debts, don't let the problem continue to grow. Planning and carrying out a financial plan can be daunting, but it's vital to your economic well-being. This book provides step-by-step guidance that will help you come up with a game plan to control your spending, deal with your debts, and take action to reduce the amounts you owe. If you have excessive liabilities, Solve Your Money Troubles can help you sort out your financial problems, quickly and effectively.

Facing foreclosure? Put together a plan and take action.

Don't wait to take action if you're behind in the mortgage payments and facing a potential foreclosure. The Foreclosure Survival Guide covers your options for avoiding the loss of your home or at least delaying it. The strategies and useful information in this book will give you the tools you need to develop a plan to try to keep your home or decide if it makes sense to move on.

This guide can help you learn how to navigate foreclosure and potentially stay in your home. It gives you the practical information you need, including:

• the ins and outs of foreclosure


• how to decide whether you should try to keep your house


• what programs are available to potentially save your home and how to apply for them


• how to bring your loan current in Chapter 13 bankruptcy


• if you can't stay in your home, how to avoid unnecessary costs by filing for Chapter 7 bankruptcy


• what alternatives for giving up the property, like short sales and deeds in lieu of foreclosure, are available, and


• how to avoid becoming the victim of foreclosure rescue scams.

This book's powerful yet practical advice also explains the 120-day foreclosure waiting period before foreclosure starts, how the foreclosure process works in each state, potential tax consequences, and more. This edition is updated with the latest information on mortgage-assistance programs for homeowners, federal mortgage servicing laws, HOA foreclosures, and recent court decisions affecting homeowners' rights.

Foreclosure can be an intimidating and scary experience. The stress of potentially losing the family home can drive people to make mistakes, either by doing the wrong thing or failing to act at all. You need to know your options if you're having trouble making your mortgage payments or are already in danger of foreclosure. Your actions are vitally important if you want to keep your home or at least get through the process with as little anxiety as possible. This book has essential tips on what to do--and what not to do--if you're facing a foreclosure.

Conquering overwhelming debt starts with understanding your
options. Solve Your Money Troubles gives you
the tools you need to get your finances back on track. Learn how to:

- stop debt collector
harassment cold

- negotiate down
your debt with creditors

- reduce your
student loan payments, and

- create a
healthy financial plan that you can live with.

Solve Your Money Troubles
helps you handle the big issues, too. Find out how to:

- stop a wage
garnishment from leaving you penniless

- get your car
back after a repossession

- prevent a
foreclosure by applying for a loss mitigation program

- respond to an
action if you get sued, and

- decide if it's
time to wipe the slate clean by filing for bankruptcy.

In addition to up-to-date legal information, you'll find
practical tools, such as sample creditor letters and budgeting worksheets.

If your home is in foreclosure, you don't have time to waste. You need to know your options and The Foreclosure Survival Guide can help. You'll learn how to:

- determine whether you should try to keep your house

- find loss mitigation programs that could help you save your home

- apply for mortgage relief from your lender

- avoid foreclosure rescue scams

- bring your loan current in Chapter 13 bankruptcy, and

- if you can't stay in your home, avoid unnecessary costs by filing for Chapter 7 bankruptcy.

This edition's powerful yet practical advice also explains your most important tool--the 120-day foreclosure waiting period before foreclosure starts. You'll also find information on foreclosure procedures, potential tax consequences, and more.

In addition, this updated edition includes a new chapter covering HOA liens, foreclosures, and what you can do if your HOA threatens you with foreclosure.