Customer Reviews

Negotiate and Settle Your Debts - A Debt Settlement Strategy: Learn how to settle debts as low as 20 cents on the dollar

5 star:		(47)
4 star:		(2)
3 star:		(3)
2 star:		(2)
1 star:		(0)

 

 

I bought this book in January because I have over $29,000 in debt. I have used all the sample letters and used all the advice given in the book. Including sending letters to stop getting calls, and using the advice never to negotiation over the phone on settlements. I even got a internet fax machine that allows me to fax 300 pages a month using my computer for less than 10.00 a month. Its helped greatly to receive and counter settlements quickly. I currently have offers to settle between 30%-50% on my account but using the counter settlement letters to get closer to 20% settlements. I just received a fax an hour ago for a settlement I offer for 20 cent on the dollar on a $7,000 collection for Bank of America. "UPDATE" I have 8 accounts in collections and I have settled with four account in the past four months, and averaging 29 cents on the dollar for full settlements. I borrowed 5,000 from grandparents to make full settlement offers. I will be completely debt free in feb 2011.This book has saved me thousands of dollars! BUY IT!

To me, this is exactly what a how-to book should be:

Well-organized, concise, easy to follow, and based on the real world- not theory. The very best how-to book would also be contemporary with up-to-date examples of success.

Mandy Akridge's book meets all these criterion, imo.

While I had done some online research into debt settlement, the advice you find can be contradictory, the more you study it. Also, most people giving advice on website forums I suspect haven't really negotiated any debt at all.

Instead, they're often assuming what should work, with no personal experience to back it up.

However, Akridge shows you recent actual credit card letters from her negotiated settlements. And the amount she was able to save is huge. Its all in black and white.

The author walks you through the process step-by-step. You end up knowing what to expect, and what issues you'll face. To me, there were many pearls of wisdom and things that just plain made sense. She doesn't seem to sugar-coat anything, but also leaves you feeling pretty optimistic about settling your debts in this manner.

Value-wise I just don't see how you can go wrong. Debt settlement companies charge a fortune, (I know, I looked into it) other professional services are even more expensive. This is literally a `steal' by comparison.

I'm now convinced you can settle your debts by following this book and I'm glad the author shared her personal experiences.

After many hours of researching settlement strategies on the internet, I almost bought a "$300.00" system before I found this book. I bought it 6 months ago and read it cover to cover, twice. I was hesitant to take the first step and was scared to talk to the creditors. At first I did not get any offers bettter that 50% and was discouraged. I started to lose hope until a week before the 180 day mark. I was able to settle with 2 companies for under 30% and was ecstatic! I still have 3 more to negotiate, but Mandy's book has given me the confidence that I can do it. She even responded to me personally when my first settlement offer came in from Chase. It was worded vaguely and she gave me great advice! All for a bargain price of the book alone! I'm sure there are other ways to do this, but for the price, service and results it would have been a mistake for me not to have purchased this book. She really takes the fear out of the whole process, which is what I really needed to start.

Best of luck,

Naz

The debt settlement strategies I learned from Negotiate and Settle Your Debts were nothing short of AMAZING. After a couple of failed businesses and a few poor choices I found myself in over my head and over $50,000 in credit card debt. With the strategies that I learned from Negotiate and Settle Your Debts, I am now in the process of settling a $15,500 line of credit for only $3200! Best of all I have positioned myself to totally settle my other cards for as low as 20 cents on the dollar! I don't know what I would have done without this book. I feel like the weight of the world has been lifted off my shoulders. It has truly saved me hundreds of thousands of dollars in payments and interests as well as years of stress. For those of you in need of some serious debt relief, I have three words for you; Buy The Book!

Sincerely,

Motivated One

I bought this book, along with 4 others on debt settlement. This book was the most helpful by far for dealing with creditors and setting up your plan of attack. This book was the only one out of the pile that stayed with me through the whole process. It has lived in my backpack the past 6 months, highlighted and well-read. Currently I am settling with a few creditors for about 30% but am hoping to get the others to go lower.

Why does this book work?

* each paragraph is valuable.

* it's short and to the point, very readable - you will actually read it as opposed to the others!

* it's concise, well-written, and researched thoroughly.

* it's up to date

* the author cares

* the letters in the back are helpful for counter offering

* she advises on legal matters and the psychology behind debt and negotation

* most helpful are the dialoguing and negotiation tips

My advice - really write out what you are going to say (make a dialogue flow chart for yourself) before you speak to creditors. know your story and stick to it. Anticipate them asking about your situation, have an answer. Anticipate rudeness, stay calm. Use Mandy's advice and leverage the power of time. Insist settlement is the only viable option for you at this time. You can do it. I did with the help of this book. Good luck!

The author has done her homework. Not only has she shared the benefit of her own experience, she has also thoroughly researched and documented relevant laws, regulations, and third-party consumer resources.

Plus, she provides citations and links back to the original sources so you can do your own research and make sure that the steps she has carefully outlined are the right ones for your particular situation.

This is not ivory-tower theorizing. This is a clear explanation of how the system works combined with practical, hand-holding, step-by-step instructions on how to successfully negotiate your credit card debt as settled in full, for pennies on the dollar.

The author also addresses how to safeguard your credit rating, and the possible tax ramifications of debt forgiveness, in language anyone can understand.

I had no idea that there are real experience common sense tools to help one settle their debts. This book is a comprehesive review of the entire debt settlement process written in lay terms by someone with real experience to share. For people who have reached dire straits concerning mounting debt...this book can provide advice that you can use.

First let me say your book is truly a light at the end of a tunnel. I have enormous debt due to a very bad divorce, laid off for 7 months still without a job, a single mom, and yet prior to all of this, I had 0 balances and never late. Like so many others, it's been nothing short of a nightmare.

This book has given me the ability to take control without legal counsel and I cannot thank Mandy enough for this advice. I am still at the point of negotiation with my 8 cards and my progress is just as she has mapped out.

It's so easy to understand and to implement, it's a must have.

This is a great book to tell you how to get out of credit card debt. It has letters to your creditors, how much you can expect to pay for settlement, and much more. I highly recommend this book. It is very easy to read. Thank you for such a great book Mandy! Will be looking for more books from you!

I am currently in the process of foreclosure due to job loss and this guide was very helpful. The information and tips on credit card debt settlement opened a whole new strategy to help me keep my home. I also found the sample forms to be very beneficial. I often hear people give advise to "write the company a letter" but sometimes I am just at a loss of what to say or what my rights are. The web links are also a helpful tip to assist in searching out the most current information from local and federal institutions.

I highly recommend this guide to anyone in a credit crisis. I feel terrible that I am unable to satisfy my debts. I had a 750 credit score before my job loss because I handled my obligations responsibly but the economy has taken its worst turn since the depression and I am all but out of options. The steps in this guide will at least give me a chance at a softer landing and put me on a quicker path to recovery.