Solve Your Money Troubles: Strategies to Get Out of Debt and Stay That Way

by Amy Loftsgordon Attorney, Cara O'Neill Attorney

Overview

Struggling with debt? Find solutions here.

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.

But that’s not all. 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. And, if the law changes, you won’t be left out of the loop. You’ll have online access to all of the latest debt, credit, and bankruptcy developments.

Product Details

ISBN-13:	9781413326475
Publisher:	NOLO
Publication date:	07/29/2019
Edition description:	Seventeenth Edition
Pages:	392
Product dimensions:	6.90(w) x 8.80(h) x 0.90(d)

About the Author

Amy Loftsgordon has worked in the area of foreclosure and debt collection for over ten years. Her broad experience includes helping people fight collection actions and enforcing debtors' rights under the Fair Debt Collection Practices Act. As part of a national settlement involving the mortgage industry, she has also reviewed servicer records to uncover extensive credit reporting errors.
Amy has authored numerous foreclosure, debt, and real estate articles on Nolo.com. She is the author of The Foreclosure Survival Guide and Credit Repair, and the coauthor of Solve Your Money Troubles .
Amy received a B.A. from the Universityof Southern California and a law degree from the Universityof Denver Sturm College of Law and is licensed to practice law in Colorado.

Cara O’Neill is a litigation and bankruptcy attorney in Northern California and a legal editor with Nolo. She has been practicing law in California for over 20 years. Prior to joining Nolo, she served as an administrative law judge, litigated both criminal and civil cases, and taught law courses as an adjunct professor. She earned her law degree in 1994 from the Universityof the Pacific, McGeorge School of Law where she served as a law review editor and graduated a member of the Order of the Barristers—an honor society recognizing excellence in courtroom advocacy. Cara has authored and co-authored a number of Nolo books, including How to File for Chapter 7 Bankruptcy, The New Bankruptcy, Money Troubles, and Credit Repair.

Table of Contents

1. How Much Do You Owe? 2. If You're Married, Divorced, or Separated 3. Create a Budget and Control Spending 4. Prioritizing Your Debts 5. Finding Money to Pay Your Debts 6. Negotiating With Your Creditors 7. What to Expect When You Can't Pay Your Debts 8. Reducing Mortgage Payments and Dealing With Foreclosure 9. Dealing With Debt Collectors 10. Understanding Loan and Other Credit Documents 11. Student Loans 12. Child Support and Alimony 13. Lawsuits and Collection of Judgements 14. Bankruptcy: The Ultimate Weapon 15. Property Creditors Can't Take 16. Rebuilding Your Credit 17. Choosing and Managing Credit Cards

Interviews

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. Solve Your Money Troubles is packed with strategies and useful information for people who are swamped with debt, giving you the tools you need to take control of your finances. 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.

Editorial Reviews

"2019 Foreword INDIES Book Finalist." FOREWORD REVIEWS

"This book is a must-have, even for people who don't have debt problems." Los Angeles Times

"Reading Attorney Robin Leonard's book... should help you in dealing with the jackals." Cleveland Plain Dealer

"Can help make these daunting tasks much easier to handle." Accounting Today

"This book will give you strength and the skills needed to respond to bill collectors and to rebuild your credit." New Orleans Times-Picayune

"For anyone who is facing wage garnishment, car repossession, foreclosure, lawsuits, or collection calls, "Solve Your Money Troubles: Strategies to Get Out of Debt and Stay That Way" provides the legal and practical information needed, plus sample letters and budgeting worksheets, so that they can get out of debt and make a fresh start. Readers will learn how to: prioritize debts and create a budget; understand your options; negotiate with creditors; stop harassment by debt collectors; deal with wage garnishment, car repossession, and foreclosure; reduce student loan payments; know what to expect if a creditor sues you; rebuild credit; decide if bankruptcy is right for you. This newly expanded 16th edition of "Solve Your Money Troubles" is fully updated with changes to federal student loan repayment programs, new foreclosure protections, legal information specific to specific states, and the latest legal developments in the world of debt, credit, and bankruptcy. Of special note is that this edition of "Solve Your Money Troubles: Strategies to Get Out of Debt and Stay That Way" has a supportive website where readers can stay current with legal updates and have access to podcasts and online calculators." James A. Cox, Editor-in-Chief, The Midwest Book Review

From the Publisher