How to Get Out of Debt, Stay Out of Debt, and Live Prosperously

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A simple, proven-effective formula for freeing yourself from debt—and staying that way. Revised and updated, with a new Preface by the author. This classic guide offers up-to-the-minute information for those struggling with debt. Do your bills pile up before you’ve paid last month’s? Do you receive past-due notices or letters threatening legal action? Are your revolving charge accounts increasing? You are not alone; sixty million Americans face similar challenges and stress. Based on techniques from the national Debtors Anonymous program, this comprehensive, step-by-step guide helps you get out of debt for good. You’ll learn to recognize warning signs of serious debt, negotiate with creditors and collection agencies, design a realistic payback schedule, identify spending blind spots, and manage the anxiety associated with owing money. Additionally, discover the three cardinal rules for staying out of debt forever, among other valuable insights. This book is not sponsored or endorsed by Debtors Anonymous, but the author, a recovered debtor, shares personal experience with the program’s success.