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Talk Your Way Out of Credit Card Debt!: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees Paperback – March 1, 2003

ISBN-13: 978-0964840157 ISBN-10: 0964840154

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Product Details

  • Paperback: 320 pages
  • Publisher: Press One Pub (March 1, 2003)
  • Language: English
  • ISBN-10: 0964840154
  • ISBN-13: 978-0964840157
  • Product Dimensions: 6.1 x 8.9 inches
  • Shipping Weight: 15.2 ounces (View shipping rates and policies)
  • Average Customer Review: 4.1 out of 5 stars  See all reviews (26 customer reviews)
  • Amazon Best Sellers Rank: #1,305,113 in Books (See Top 100 in Books)

Editorial Reviews

About the Author

Scott Bilker's first book, the best-selling title, Credit Card and Debt Management, was reviewed and recommended by many notable sources, such as: The Motley Fool, The American Library Association, Reviewer's Bookwatch, Bank Rate Monitor, Investor Press, Vanderbilt University, the JumpStart Coalition: Financial Smarts for Students, and the Massachusetts Association of Student Financial Aid Administrators.

His credit card advice has been featured in several magazines and newspapers including Woman's Day, The San Francisco Chronicle, St. Paul Pioneer Press, and many more. His website, DebtSmart.com, with its DebtSmart® articles and email newsletter, is continuously helping consumers save money and manage their debt.

Scott has also appeared on PBS's Take Note with Patty Satalia, WB 17's Community Close-Up (WPHL-TV Philadelphia) with Dorie Lenz, the Extra Help Channel's In the Money with J.J. Burns (C.F.P.), and CN8's Real Life with Mary Amoroso. Plus, he's been interviewed on more than 1,000 radio stations.


More About the Author

I'm the founder of DebtSmart.com, the DebtSmart(r) Column, and the free DebtSmart(r) Email Newsletter, which is continuously helping consumers find their best borrowing options.

I'm an electrical engineer, with a Bachelor of Science from the Newark College of Engineering, and a member of Tau Beta Pi (National Engineering Honor Society). In my last year of college I had to turn to my credit cards to pay for books, tuition, gas, etc. At that point I decided to focus my analytical skills toward saving as much money as possible because the cost of all my loans and financing were so expensive. In 1996 I released my first book, and eventually, because of its success and later that of DebtSmart.com, I decided to resign from my position at the Naval Air Engineering Station (NAES) Lakehurst to pursue the website and other book projects full-time.

I'm a big supporter of education and served three years as an elected Board of Education member in Barnegat, NJ. I've always been involved in education in some way either by volunteering as a coach, Calculus tutor, and Physics tutor.

I've spent the past 13+ years finding great credit deals and saving thousands of dollars for others and myself. My credit card advice has been featured in several magazines, newspapers, and online resources including "Consumer Reports," "Money" magazine, "The Wall Street Journal," "Newsweek," "The Christian Science Monitor," SmartMoney.com, "Kiplinger's Personal Finance Magazine," "Reader's Digest," CNN/Money, BankRate.com, CBS Marketwatch, "Woman's World," The Motley Fool, CBS News (The Early Show), "Men's Health," "Woman's Day," "The San Francisco Chronicle," "Glamour," "Greensburg Tribune-Review," "The Sun," and "Valley Voice." Plus,

I've also appeared on CNN's "American Morning" with Miles O'Brien & Soledad O'Brien, "Today in NY" with Roseanne Colletti, CNNfn's "Your Money" with Ali Velshi, NBC 10 News' "Consumer Alert," NBC 6 News' "Consumer Connection," PBS's "Take Note" with Patty Satalia, WB 17's "Community Close-Up" (WPHL-TV Philadelphia) with Dorie Lenz, the Extra Help Channel's "In the Money" with J. J. Burns (C.F.P.), and CN8's "Family Talk" with Mary Amoroso.

Additionally, I've been interviewed on more than 1,000 radio stations (coast-to-coast, in Canada, and the UK) including National Public Radio's (NPR) "Morning Edition" with Steve Inskeep, WSJ Radio, "The Wall Street Journal This Morning" with Michael Wallace, WFAN (NY) with Bob Salter, KFMB (San Diego) with Jeff & Jer, and Talk America Network's "It's Your Money" with Dr. William Bailey.

Customer Reviews

Book is concise, straightforward and well organized.
BookReader
I have only scratched the surface respective of all of the strategies that Scott provides in his book and via his website.
James C. Intriglia
Talk Your Way Out of Credit Card Debt is the one book that every credit card holder should have.
Terry Rigg

Most Helpful Customer Reviews

38 of 39 people found the following review helpful By Harold McFarland HALL OF FAMEVINE VOICE on June 30, 2003
Format: Paperback
"Talk Your Way Out of Credit Card Debt" provides solid advice on getting your rate reduced, annual fees waived, removing a late payment fee, handling disputes, and many other common problems when dealing with credit card companies. More than just advice, it is a collection of detailed examples of phone calls including complete transcripts. Each transcript demonstrates how the author handled a particular issue and the results of the call. Not content to just give one example of getting an interest rate lowered or removing over limit fees, each type of problem has several transcripts so you can get a good feel for what to expect and how to handle it. Most people are not aware of how much power they have when dealing with a credit card company and how to get things changed. This book walks the reader through the process from beginning to end and is a recommended read for anyone looking to gain control of his or her credit card situation.
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25 of 26 people found the following review helpful By Monica Rice on May 14, 2004
Format: Paperback
I was shopping for a book that would help me with the credit card debt I have accumulated. I chose this book. It has proven to be very bemeficial to me. It contains a large amount of information your banks don't want you to know. My first night of reading the book, I got up to about page 70 and made my first phone call, with the intent of gaining information about the account and possibly getting a fee reversed. I ended up getting a $50 credit to the account, relatively easily. I cannot praise this book enough! If you need to reduce your credit card debt, this book may very well be your solution.
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32 of 35 people found the following review helpful By Abe Vigoda on December 24, 2003
Format: Paperback Verified Purchase
I had the same problem most of you reading this have. But after reading this book from cover to cover, I was awashed with a new vigor and confidence to launch a strategic war of words with the credit card telephone handlers. As you read thru the transcripts of the author's actual calls, picture yourself talking on the phone with the same savvy as he. Then close the book, put up your over charged, over penalized, and over interest rated bill and MAKE CALLS! Show them that you are taking CONTROL of your finances and relish the experience of sticking up for yourself.
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7 of 7 people found the following review helpful By S. Foster on August 31, 2007
Format: Paperback
I bought this and then returned it. While I think it would be helpful for many people, it was not as focused (in my opinion) for people over their heads.
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8 of 9 people found the following review helpful By Jon Del Russo on April 14, 2003
Format: Paperback
I don't know why a book like this has been written sooner. It contains so much common sense advice, I can't believe I didn't think of these things myself sooner. Thanks to Bilker's book I was able to take detailed notes, including names on promised rates for my IRA. When the promised rates didn't appear on my next statement, I was able to talk my way through many layers of resistance and finally get the original deal I was promised. I highly recommend this book to anyone with debt or who deals with any financial institutions for any reason.
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8 of 9 people found the following review helpful By Barbara Crammer on April 14, 2003
Format: Paperback
This book is amazing. Reading it has opened our eyes to how much money we have been allowing to slip through our fingers unnecessarily. All my husband and I did before reading this book was complain about the outrageously high cost of borrowing money on credit cards. Since reading Bilker's detailed how-to-book, we have actually been able to call banks and save money. We couldn't be more grateful!
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7 of 8 people found the following review helpful By Terry Rigg on March 16, 2003
Format: Paperback
The majority of people that have credit cards have had to deal with the credit card banks at one time or the other. When you deal with these banks you get the feeling that there is nothing anybody can do about anything.
While reading "Talk Your Way Out of Credit Card Debt" I started to realize where I was making my mistakes dealing with the banks. I've never seen a more detailed How-To Guide.
Who would have ever thought about a training manual for the rest of us to use when trying to get a problem solved concerning our credit cards.? Well, the answer to that is Scott Bilker and I'm certainly glad that he did. By his own admission it took him years to compile this information.
As you start reading Scott's book you will discover ways to start reducing your debt immediately. He even tells you what to say when you are trying to settle with a credit card bank at less than the full balance. How many of us would know what to say?
Talk Your Way Out of Credit Card Debt is the one book that every credit card holder should have. There's no reason for us to pay the high interest and late fees these banks charge. Now, with Scott's book, we don't have to.
I don't know about you but I'm going to be on the phone to my credit card banks on a regular basis thanks to Scott.
Terry Rigg
Editor
Budget Stretcher
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14 of 18 people found the following review helpful By Gerri Detweiler on August 11, 2005
Format: Paperback
I am in the same field as Scott, and have recommended his book countless times to consumers. With credit card companies raising rates, fees, etc. his advice could not be more timely.

I just interviewed Scott today (8/11/05) on my EverydayWealth Radio program on [...] and he told me how he just got a 10 month old late fee waived! That's practically unheard of.

I can't recommend Scott's book highly enough. You'll easily recoup many times the price of the book if you implement his suggestions.
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