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Credit Hell : How to Dig Out of Debt Paperback – March 21, 2005


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Product Details

  • Paperback: 224 pages
  • Publisher: Wiley; 1 edition (March 21, 2005)
  • Language: English
  • ISBN-10: 0471737534
  • ISBN-13: 978-0471737537
  • Product Dimensions: 9.1 x 5.9 x 0.8 inches
  • Shipping Weight: 9.6 ounces
  • Average Customer Review: 4.3 out of 5 stars  See all reviews (10 customer reviews)
  • Amazon Best Sellers Rank: #2,247,449 in Books (See Top 100 in Books)

Editorial Reviews

From the Back Cover

Each year, millions of Americans sink further into debt and the sad truth is that most Americans have been conditioned to believe that debt is a normal part of life. If credit problems are adversely affecting your life, there are ways to improve your financial situation, and Credit Hell: How to Dig Out of Debt can show you how.

Written by Howard S. Dvorkin—a nationally known expert in the debt counseling field—Credit Hell walks you through the "getting-out-of-debt" process from assessing the state of your finances and developing a budget, to negotiating with your creditors, consolidating your debts, and rebuilding your finances after your money troubles are over. Filled with in-depth insights and practical advice, this user-friendly guide:

  • Shows you how to deal with important debts like your mortgage, car loans, and taxes owed to the IRS
  • Discusses why having a good credit history and a high credit score is important; how to order your credit report from each of the three national credit reporting agencies; and what you can do to improve your score and correct problems in your credit records
  • Educates you about important laws that can protect you when applying for credit, using credit, or if a debt collector is hounding you
  • Explains when filing for bankruptcy is your best option and provides you with an overview of the process

If you want to dig yourself out of debt and stay out of debt in the future, pick up Credit Hell and discover the best way to regain control of your financial life.

About the Author

HOWARD S. DVORKIN is the founder of Consolidated Credit Counseling Services, Inc., a leader in the debt-counseling arena. He is a certified public accountant, a certified credit counselor, and a noted financial expert on consumer credit, personal financial planning, and tax strategies. As an expert who examines consumer credit trends, causes and effects of financial overextension, Dvorkin has contributed to numerous print publications and broadcast outlets including CNN, CBS Evening News, The Early Show, FOX News, the Wall Street Journal, the New York Times, USA Today, Money magazine, Consumer Reports, the American Banker, and virtually every newspaper in the country. Dvorkin earned his master's degree in business administration from the University of Miami and his bachelor of science degree in accounting from American University in Washington, D.C.

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Customer Reviews

4.3 out of 5 stars
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See all 10 customer reviews
Very informative and easy to follow.
Leigh Bienkowski
One of the most helpful chapters is the How to Build Your Credit as well as the info on the FICO scores and what is critical to your credit future.
Ready to get out of debt
This is a great book to help you manage your debts and get them under control.
Billism

Most Helpful Customer Reviews

12 of 18 people found the following review helpful By Rod A. Britten on August 21, 2006
Format: Paperback
This is basically a rehash of the CCCS party line - absolutely NOTHING new or original in here. NOTHING about debt negotiation - reducing the principal balance, the money actually owed, not just payments or interest rates. Easy to read, a fine primer for someone who knows nothing about this stuff and is in debt trouble for the first time, but useless to someone who is fighting for his financial life against debt collection lawyers.
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8 of 12 people found the following review helpful By Ms. Levy on April 13, 2005
Format: Paperback
Awesome!!! This is one of the most helpful and informative books I've ever written. I truly was beginning to believe that my debt was unmanageable. This author really provides great advice, based on hands-on experience, for dealing with credit issues. Easy reading. Thank goodness someone finally has explained all the pitfalls of credit usage in understandable terms. This is definitely must reading. Thank you. Thank you. Thank you.
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6 of 9 people found the following review helpful By Smarter Now on May 3, 2005
Format: Paperback
This book provided the details of what I needed to know to get my credit and debt situation on track and out of hell The tactics are very easy to understand and have worked wonders for my credit problems.

I would say this is a must have if you are having any credit or debt issues at all.
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4 of 7 people found the following review helpful By Billism on April 18, 2005
Format: Paperback
This is a great book to help you manage your debts and get them under control. I really liked the section on your legal rights as you go through this process. The book is very easy to understand and provides step by step instructions that anyone can follow.
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1 of 1 people found the following review helpful By T. Lewis on January 5, 2009
Format: Paperback
I have been hit hard by the economic downturn. My income has declined and so then my credit card balances grew as I used credit to supplement my income. I was on a road to financial ruin and my family felt it. I confided in my family as to my financial issues and my niece recommended this book.

Credit Hell helped me get back to reality and helped me sort through my financial issues. It aided me in creating a sensible budget that I felt I could stick to and I was able to change it as my needs changed with the guidance I had been given.

Credit card issuers have you by the neck when your debt spirals out of control and when you ask for a reprieve they tighten the noose. I now know how to deal with my creditors to my advantage and pay down my debt. Credit hell walked me through the process.

I recommend this book as a great "how to" - it has helped me greatly and I hope it helps you as well!
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