How to Settle Your Debts
Posted by Average Joe on July 2nd, 2010 at 05:25am
How to Settle Your Debts
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 List Price: $17.95 Sale Price: $15.85 Availability: unspecified 
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Product Description
HOW TO SETTLE YOUR DEBTS, by Norman H. Perlmutter, CPA, is the book that everyone needs to prevent economic meltdown. Its the essential, up-to-date, comprehensive and gutsy survival guide to meet this ever growing serious problem of financial ruin that faces so many of us.
In a step-by-step format it guides individuals, families and businesses through a process that will end debt and reverse insolvency without filing bankruptcy. Even if you're on the brink of financial ruin, with this book you can regain financial health and get a fresh start without committing "financial suicide".
HOW TO SETTLE YOUR DEBTS provides legitimate workable solutions to repair financial chaos. Its written in a conversational style and organized in an outline format that promotes understanding and ease of reading for the average person. You will learn in no uncertain terms how to climb out of the hole you are in and get your financial life under control without causing irreparable damage to your future in the process.
The author is a practicing CPA and Financial Advisor who formerly owned a Debt Collection Agency. He understands the tactics of the conniving moneylenders and their debt collector enforcers and all the other scam artists who are out there waiting to rip you off. He knows how to deal with these people and how to stop them from harassing you and from ruining your credit and your reputation. Furthermore and most important, with this book he will teach you how to take control of your financial life and get out of the mess you are in.
HOW TO SETTLE YOUR DEBTS is for all those individuals, families and businesses whose debts grow deeper by the day and whose lives are being adversely affected by them. Heres a summary of how the book will help you deal with your problems with debt:
It will teach you the basics what you're up against, who the predators are, how to recognize and avoid their debt traps, the fundamentals of debt, the risks you take when you don't pay, and what they can and cannot do to collect from you.
It will help you understand your problem by following the steps outlined you will be able to expose, examine and evaluate your dilemma with debt, how it's affecting your life and the options you have to deal with it.
You will learn to know your enemy what makes creditors and bill collectors tick, what motivates them, what their weaknesses are, how you can exploit them and how they are vulnerable to attack.
It will show you how to keep the wolves at bay by creating doubt as to the validity and the collectability of your debts and by using "Dirty Tricks" and Counter Attack Techniques to frustrate and discourage creditors and bill collectors.
It will teach you about your rights and how to take advantage of them federal and state laws enacted to protect you from abuse and to punish bill collectors who violate them.
You will learn how to negotiate a debt settlement plan using basic negotiating skills and built in leverage to set up an advantageous arrangement with your creditors to workout and settle your debts.
How to use the "Golden Rules of Debtsmenship" - to protect your assets and your privacy and to safeguard credit, and where necessary, how to repair credit and rebuild it.
How to deal with lawyers to negotiate debt settlements, contest lawsuits and protect your assets from judgment levies.
How to settle secured debts and tax debts by recognizing and seizing upon opportunities to settle or otherwise favorably resolve these debts that creditors have more power to collect.
How to settle business debts by understanding the differences that must be considered when negotiating workouts and settlements with business creditors.
Where to get help if you need it - and how to watch out for all the scam artists who are out there waiting to take advantage of you.
Its a reference manual as well as a guide with its outline format and comprehensive index the book can be used to easily and quickly obtain information on any of the many subjects covered relating to debt and debt relief.
HOW TO SETTLE YOUR DEBTS ~ Without Committing Financial Suicide ~ shows you how to end debt and reverse insolvency without resorting to the self-defeating and demeaning ordeal of filing bankruptcy. It provides you with all the knowledge, the techniques and insight required to successfully accomplish this.
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Tags: Debt:, Debts, How, personal finance, Settle, to, Your
Under Consumer Debt
10 Comments for How to Settle Your Debts
1. Retired Attorney | July 2nd, 2010 at 6:59 pm
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I’m a recently retired attorney and I bought this book because a friend was having some serious problems with credit card debt. Though my practice was involved mostly in real estate and small businesses law, I know quite a bit about dealing with debt problems but the book attracted my interest because of the author’s background in the debt collection business.
With a few minor exceptions I found the author’s advice to be very sound and sensible. But, what I like most is the insider’s awareness that he gives you of the devious world of debt collection and also the importance he places on the need to take control of your own situation to get the best possible outcome.
Perlmutter’s book levels the playing field by exposing the abusive practices used by debt collectors and all their bogus threats that paralyze people from taking a proactive approach to help themselves. He dispels the numerous misconceptions that so may people have about being in debt and what it takes to get out of debt. He shows you that it’s a manageable problem that can be overcome with some sensible adjustments to the way you live combined with some proactive steps that anyone can take to get themselves out of the mess they’re in.
Reading this book gives an average person a realistic understanding of their problem and a foundation to create a plan that solves it best for their unique situation. It simply tells the truth which is something you don’t often get from most sources out there offering assistance with debt issues. In fact, many are just looking to take your money. Anyway, after reading it I simply gave it to my friend and suggested that he read it and follow the advice and if he does, I believe that he will be able to get his situation under control.
2. Midwest Book Review | July 2nd, 2010 at 11:30 pm
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Among the unfortunate side effects of an economic downturn such as the United States is currently experiencing is the growing debt load that ordinary men and women find themselves having to labor under. Now in a fully updated and significantly expanded second edition, “How To Settle your Debts: Without Committing Financial Suicide” by certified public accountant Norman H. Perlmutter, is the perfect do-it-yourself manual for individuals, families, and businesses who find themselves sinking further and further into crippling debt. Of special note is the new chapter specifically addressing the problems associated with student-loan debt. A major culprit are the credit card companies who deliberately target people’s desire for instant gratification for things they don’t need and cannot afford. Complicated with deceptive interest rate schedules and conditions, anyone seeking to emerge from crippling debt must become informed with respect to the various techniques of predatory credit card issuers. Drawing upon his many years of experience and expertise in helping individuals and businesses deal successfully with the problems of excessive debt, Perlmutter deftly shows the non-specialist general reader how to wipe out their debt without having to resort to bankruptcy (which Congress has made even more difficult with the finance industry backed legislation); how to effectively deal with bill collectors; settling debts through leverage; clean up and rebuild personal and corporate credit ratings; deal successfully with tax debts, secured debts, and judicial judgements; resolve student loan debt repayment problems; as well as when and how to simply walk away from debts. “How To Settle Your Debts” should be considered profoundly valuable reading for anyone having to deal with problems arising from excessive debt, and be a priority acquisition for college, university, and community library Money/Finance reference collections.
3. Scott Mack | July 5th, 2010 at 1:48 am
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My debts are running my life and I was going to file for bankruptcy until I found this book. You can tell this guy knows what he is talking about. I especially liked the references to real life situations and all the helpful hints he provides. After reading the book, I’m sure I can get creditors to work with me because it’s better for them. I also like the idea of doing the dirty work myself rather than using a debt counselor. This way I know my best interests will come first and I don’t think I’ll ever let myself get into this kind of debt problem again. Now, I’m going to read it again and start doing what has to be done. This is a terrific book. The best $18 I’ve ever spent.
4. JSBM | July 5th, 2010 at 11:31 pm
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While most of the information in this book is common sense, it’s all worthwhile and sometimes common sense is what people need to hear from time to time. Perlmutter’s book is clever at times and thoughtful consistently and offers an insiders look into the word of debt–mainly from a CPA’s viewpoint. The reader is treated to a wealth of insider information including terms and techniques the banks and credit companies are using to capitalize on us.
This book is a great addition to my more consumer-oriented “How to Take Advantage…”. Buy it and enjoy your new debt-free life!
5. D. Herrmann | July 6th, 2010 at 4:51 am
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I purchased this book as I’m entering into the same problems as many other people, where the lure of easy credit has gotten me bogged down and stressed out. The first part of the book, where it talks about ways of running and hiding from the problem scared some sense into me.
Then the rest of the book, where it goes on to guide you through taking responsibility for what you (and the credit companies) got yourself into. And the information for working to get yourself out of the mess is great. It’s given me the confidence to continue down the road toward settling my debts on my own, and knowing that professional assistance is still there if I need it. The book outlines lots of good information concerning debtors rights, challenging the creditors claims, constructing a workable budget for yourself and starting negotiations with your creditors.
Norm also re-enforces a very important point: In order to get yourself out of debt, you need to get control of your spending and stop creating new unsecured debt.
6. O. L. Rodriguez | July 6th, 2010 at 8:12 am
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I am very grateful for the wonderful advice. I would have loved even more specific info on settling debts but overall it is a spectacular source of valuable information.
7. seeker | July 6th, 2010 at 1:39 pm
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This book is a great read and very helpful. I plan to follow his advice-the book offers examples of exactly what to say in workout letters, what to ask for and gives guidelines to follow that will hopefully help the creditors be more willing to negotiate. If you’re considering bankruptcy because of credit card debt, read this book and give the techniques a try first.
8. Thomas E. Stokes | July 7th, 2010 at 7:23 pm
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… for learning how to settle unsecured debt such as credit card debt. It is comprehesive and yet concise. There is no BS or fluff and it touches on every area of the landscape you need to be aware of when trying to settle unsecured debt on your own. Even though there is one far more powerful solution to settling credit card debt that is not discussed in this or any other book that I have read on this subject, I still gave the book five stars because all of the information contained in it is essential to know and is very well presented. As such, this book is the ideal starting point for learning about how the business of debt and collection works and how to deal with it. I highly recommended it.
9. P. Carrabba | July 8th, 2010 at 2:27 pm
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I purchased this book to learn how to help my mother who is having financial problems. The advice in this book is priceless. The knowledge I learned from this book gave me the ability to make sound, educated decisions. The author doesnt pull any punches and tells it like it is. If you know anyone who is thinking about bankruptcy, buy them this book first!
10. Poppy 9119 | July 8th, 2010 at 5:13 pm
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Thank you Norm; I purchased your book yesterday at Barnes and Nobles… 18.95 (ouch) I stayed up last night reading and reading until I had finished… I couldn’t put it down as it seemed like it was written just for me. Wow! What a relief to have such powerful information… I had no clue that this enormous amount of information would be available in one book. Thank you so much for your courage and for holding the light that can be clearly seen at the end of the tunnel.
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