Credit Card Payoff Calculator
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or click below
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Credit Card Payoff Calculator
I bought “The Complete Debt Relief Manual” for my e-reader. It contains excellent advice. If you’re in a financial jam, aren’t sure where to turn, trust me this book will lead you through the difficult steps. It’ll save you the frustration of seeking help from folks who promise you help but do nothing. They only take your money. Follow the author’s advice. It made him debt free! It’s working for me. It’ll work for you.
– Arthur in Los Angeles
“
I read the book…it’s what we’re talking about right now in our financial management class. It’s just good, practical, advice.You can share your own personal mistakes and lessons, like we do with our children, and hopefully they will listen and not make the same mistakes. This should really help people. Hopefully they can get it before they get taken in by a debt relief company.
– Pastor Daryl in West Palm Beach
Chapter 1 – The Problem: Slavery to Debt
Types of Debt
Good News – you can get out of debt and stay out
Chapter 2 – The Secrets
Credit Card Company Secrets
Debt Settlement Company Secrets
Collection Agency Secrets
IRS Secrets
Debt Collection Attorney Secrets
Chapter 3 – Which Debt Elimination Strategy Should You Use?
Making Minimum Payments
Consolidation
Roll up
Settlement
Bankruptcy
Endless Collections and Lawsuits
Debt Elimination Strategy Decision Tool
Chapter 4 – The Almighty Budget
Discretionary spending
Saving an Emergency Fund
Chapter 5 – How to Create a Budget
Example Budget Spreadsheet
Chapter 6 – How to Cut Up Your Credit Cards
Chapter 7 – How to Eliminate Debt by Roll Up
Chapter 8 – How to Eliminate Debt by Settlement
Example Settlement Offer From Creditor
Example Letter for Settlement Offer
Example Letter for Countering a Creditor’s Settlement Offer
Example Letter for Acceptance of Settlement (conditional)
Example Letter for Acceptance of Settlement
Chapter 9 – How I Eliminated My Debt by Bankruptcy (without an attorney)
Chapter 10 – How to Eliminate IRS Debt
Options for Repaying the IRS
Chapter 11 – How to Deal with Creditors and Collection Agencies
Example Cease and Desist Letter
Example Cease and Desist AND Debt Validation Letter to Collection Agency
Example Debt Validation Letter to Collection Agency
Chapter 12 – How I Dealt with a Creditor Lawsuit (without an Attorney)
Copy of Letter Threatening a Lawsuit (1 page)
Copy of Lawsuit Filed Against Me (4 pages)
Here is Roughly How I Would Answer Today
Copy of Chase’s Reply to My Bogus (original) Affirmative Defenses
Statute of Limitations by State (years)
Chapter 13 – How to Repair Your Credit Report
Example Letter to Collector to Remove Inquiries
Example Letter to Credit Bureau to Remove Inquiries
Example Letter to Credit Bureau (or Collector) to Request Correction to Credit Report
Chapter 14 – How to Rebuild Your Credit
Chapter 15 – To Your Freedom (Staying out of Debt)
Chapter 16 – The Checklists
BUDGET CHECKLIST
DEBT ROLL UP CHECKLIST
DEBT SETTLEMENT CHECKLIST
John’s BANKRUPTCY CHECKLIST
John’s LAWSUIT CHECKLIST
http://youtu.be/EApChetB2i0
John McQueen
howtopayoffcard@gmail.com
http://blingforhome.com/gifts/CreditCardDebtGuaranteed/index.php
