Debtors and Creditors in America: Insolvency, Imprisonment for Debt, and Bankruptcy, 1607-1900

July 10th, 2010 at 07:13pm Under Consumer Debt

Debtors and Creditors in America: Insolvency, Imprisonment for Debt, and Bankruptcy, 1607-1900

Debtors and Creditors in America: Insolvency, Imprisonment for Debt, and Bankruptcy, 1607-1900 Rating:
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Americans now depend more heavily upon credit than any other society on Earth, or any other time in history. Borrowing has become a way of life for millions of families, and it is hard to imagine a time when charge accounts did not exist. Nonetheless, it would be a mistake to assume that, because a wallet filled with plastic instead of cash is a relatively new phenomenon, Americans have not been borrowers and lenders since the colonization of the New World. Author Peter J. Coleman proves otherwise. In one Form or another -- notes of hand, book credit, commercial paper, mortgages, land contracts -- settlers borrowed to pay their passage from Europe, to buy and clear land, to build and operate mills, to purchase slaves, and to gamble and drink. Debtors' prison awaited those who could not pay their debts, and a pauper's grave received the unfortunate who lacked the private means to feed and clothe himself in prison. While the debtors' prisons described in this book no longer exist, the author maintains that our credit-oriented society has yet to devise cheap, efficient, equitable, and humane methods of enforcing contracts for debt.

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Solve Your Money Troubles: Debt, Credit & Bankruptcy

July 6th, 2010 at 08:18pm Under Consumer Debt

Solve Your Money Troubles: Debt, Credit & Bankruptcy

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Everything you need to get out of debt and repair your credit.

Feeling overwhelmed by your debts? If you're ready to regain your financial freedom, this book is exactly what you need! Step by step, Solve Your Money Troubles shows you how to:

  • prioritize debts
  • create a budget
  • negotiate with creditors
  • stop collector harassment
  • challenge wage attachments
  • contend with repossessions
  • respond to creditor lawsuits
  • qualify for a mortgage
  • rebuild credit

    To make the process easier Solve Your Money Troubles also includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan.

    The 12th edition now covers the latest bankruptcy laws, the Fair Debt Collection Act and the new credit-scoring system used by some credit bureaus.

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    The ABC’s of Debt: A Case Study Approach to Debtor/Creditor Relations and Bankruptcy Law

    July 6th, 2010 at 04:46am Under Consumer Debt

    The ABC's of Debt: A Case Study Approach to Debtor/Creditor Relations and Bankruptcy Law

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    With a hands-on approach that includes case studies and learn-by-doing exercises, this new text builds a critical bridge between simply understanding bankruptcy concepts and employing them confidently, like an experienced paralegal. Broad coverage includes basic bankruptcy, debt creation, secured transactions, the law of liens, and debt collection. Practical, accessible, and timely, The ABC's of Debt features:
    Learning-by-doing exercises, problems, and hypotheticals that bring a strong hands-on, skill-building component to any study of bankruptcy law;
    Broad yet succinct coverage of basic bankruptcy and related topics, such as debt creation, debt collection, and the discharge or reorganization of debt in bankruptcy;
    A clear, readable format that facilitates understanding;
    Realistic case studies that encourage students to apply new concepts;
    Examples throughout the text that make abstract principles concrete;
    Case excerpts and summaries that link theory to doctrine;
    Thought-provoking ethical queries that raise issues arising in practice;
    Key terms and review questions in every chapter that aid study and review.

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    How to Settle Your Debts

    July 2nd, 2010 at 05:25am Under Consumer Debt

    How to Settle Your Debts

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    HOW TO SETTLE YOUR DEBTS, by Norman H. Perlmutter, CPA, is the book that everyone needs to prevent economic meltdown. It’s 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. It’s 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. Here’s 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.

    • It’s 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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    Dealing With Creditors (Plain English Seminar: audio CDs, book, forms CD)

    June 21st, 2010 at 11:44am Under Consumer Debt

    Dealing With Creditors (Plain English Seminar: audio CDs, book, forms CD)

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    PLAIN ENGLISH explanations, tips and secrets on how to stop bill collectors cold. How to deal with collectors, attorneys, and collection agencies to negotiate your way out of debt and improve your credit score. Who to pay first, and who to NOT pay. Special chapter on debt consolidators/counselors.

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    A World In Debt

    June 17th, 2010 at 06:18pm Under Consumer Debt

    A World In Debt

    A World In Debt Rating:
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    Published in 1935, at the depth of the Depression, A World in Debt is a powerful indictment of the debt system. Is is written in eloquent but non-technical language with profuse use of clasical sources. With a foreword and a commentary by Albert D. Friedberg, the republisher, a noted currency and commodities analyst and seculator.

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    Cross Border Debt Restructuring: Innovative Approaches for Creditors, Corporate and Sovereigns

    June 17th, 2010 at 04:23pm Under Consumer Debt

    Cross Border Debt Restructuring: Innovative Approaches for Creditors, Corporate and Sovereigns

    Cross Border Debt Restructuring: Innovative Approaches for Creditors, Corporate and Sovereigns Rating:
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    Workouts are increasingly becoming a global reality and this book brings together 23 senior specialists from across the globe to provide a comprehensive discussion of out-of-court debt restructurings. The unique cohesion of legal, business, financial and accounting experience brought to together in this book provides the international workout practitioner with the tools to achieve a comprehensive understanding of the workout process.

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    Reputation and International Cooperation: Sovereign Debt across Three Centuries

    June 15th, 2010 at 10:21pm Under Consumer Debt

    Reputation and International Cooperation: Sovereign Debt across Three Centuries

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    How does cooperation emerge in a condition of international anarchy? Michael Tomz sheds new light on this fundamental question through a study of international debt across three centuries. Tomz develops a reputational theory of cooperation between sovereign governments and foreign investors. He explains how governments acquire reputations in the eyes of investors, and argues that concerns about reputation sustain international lending and repayment.

    Tomz's theory generates novel predictions about the dynamics of cooperation: how investors treat first-time borrowers, how access to credit evolves as debtors become more seasoned, and how countries ascend and descend the reputational ladder by acting contrary to investors' expectations. Tomz systematically tests his theory and the leading alternatives across three centuries of financial history. His remarkable data, gathered from archives in nine countries, cover all sovereign borrowers. He deftly combines statistical methods, case studies, and content analysis to scrutinize theories from as many angles as possible.

    Tomz finds strong support for his reputational theory while challenging prevailing views about sovereign debt. His pathbreaking study shows that, across the centuries, reputations have guided lending and repayment in consistent ways. Moreover, Tomz uncovers surprisingly little evidence of punitive enforcement strategies. Creditors have not compelled borrowers to repay by threatening military retaliation, imposing trade sanctions, or colluding to deprive defaulters of future loans. He concludes by highlighting the implications of his reputational logic for areas beyond sovereign debt, further advancing our understanding of the puzzle of cooperation under anarchy.

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    How To Negotiate With Your Creditors And Reduce Your Commercial Debt By At Least 60%

    June 15th, 2010 at 09:25pm Under Consumer Debt

    How To Negotiate With Your Creditors And Reduce Your Commercial Debt By At Least 60%

    How To Negotiate With Your Creditors And Reduce Your Commercial Debt By At Least 60% Rating:
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    As the world economy worsens, spiraling to levels unseen since the Great Depression, business owners are falling further and further into debt and desperately searching for creative strategies to bridge the ever-widening gap between receivables and payables. In his new book, Dr. Larabie presents a statistically proven, do-it-yourself program to address this problem.

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    Collection Agency Harassment: What the Debt Collector Doesn’t Want You to Know

    May 29th, 2010 at 07:34am Under Consumer Debt

    Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know

    Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know Rating:
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    Every year, millions of people are the target of collection agency harassment. People react in a variety of ways: they screen their phone calls, are afraid to open their mail. Some consumers run to a bankruptcy lawyer simply to get away from the harassment.

    Few people understand their rights under the law, and even fewer know they can actually sue the debt collector for abusive and deceptive behavior.

    In fact, the collection industry is a multi-billion dollar industry: collectors are trained in the art of deception. When a consumer loses a job, goes through a divorce, or has an illness, they are already in a state of depression. The collector knows this, and knows how to prey on you to get you to pay.

    Collectors and their lawyers meet at conventions. The lawyers tell the collectors which cases have been won and which have been lost; which tactics have been deemed legal and which have been deemed illegal. Imagine: they are ganging up on you. They are trained; you should be, too.

    This book is written by an attorney who has spent the better part of a decade suing debt collectors. Learn the secrets they don't want you to know. Learn how courts have interpreted the law.

    This book comes with case citations, and even sample complaints.

    You can actually sue the debt collector, and win money damages, including 100% of your costs and attorney fees.

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    By Average Joe 10 comments

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