What You Can Do To Conquer Your Credit And Debt Problems - First Edition (Paperback)

~ Michael W. Newman (Author)
Key Phrases: furniture company, credit information services, telephone conversation this morning, Main Street Somewhere, John Smith, John William Smith (more...)

Editorial Reviews

Product Description

Just because you are the one being pursued doesn't mean that you don't have a way to make the bill collectors have to do their own due diligence. Moreover there are ways to protect your assets from creditors and ways to clear debts without filing bankruptcy. If it does ultimately turn to that, there are things you should know about bankruptcy and this book delves into these facts as well. Answering the questions should I declare bankruptcy, when should I declare bankruptcy, what is the difference between chapter 7 and chapter 13, as well as your attorney's duties when filing these cases. While these may seem like things which are talked about ad nausea in the news and in other publications, The book breaks it down for you in way that is easy to understand and quick to follow on the fly.

Product Details

• Paperback: 222 pages
• Publisher: CreateSpace; 1st edition (November 26, 2007)
• Language: English
• ISBN-10: 1434812715
• ISBN-13: 978-1434812711
• Product Dimensions: 9.8 x 7.9 x 0.7 inches
• Shipping Weight: 1.2 pounds (View shipping rates and policies)
• Average Customer Review: 5.0 out of 5 stars  See all reviews (3 customer reviews)
• Amazon.com Sales Rank: #265,585 in Books (See Bestsellers in Books)

Customer Reviews

Most Helpful Customer Reviews

8 of 11 people found the following review helpful:

5.0 out of 5 stars timely 2008, March 21, 2008

By	Roger Marshall "author of Terror Within" (Owings Mills, MD) - See all my reviews (REAL NAME)

This book is timely. The level of consumer debt in the United States is reaching dangerous levels. More and more people are finding themselves over-extended and over burdened with debt payments. What can they do? Many are having trouble just making their minimum payments. This book, by Mr. Newman can help many of those people. He offers great advice and examples of how to respond to creditors in an effective manner.
Everyone facing mounting debt problems should read this book.

3 of 6 people found the following review helpful:

5.0 out of 5 stars Essential Reading For Everyone Plagued By Debt, February 15, 2009

By	Michael W. Newman "Book Critic" (Gulf Breeze, Florida) - See all my reviews (REAL NAME)

By Jesse Schmitt, published Nov 21, 2008
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Drawn up in very big type and laid down, double-spaced, just so you don't mix it up, the book What You Can Do To CONQUER Your Credit and Debt Problems is as much a personal atonement as it is a guide for you, the debt-saddled consumer. Mr. Newman offers his own "golden survival tips;" as well as a host of other useful information for the consumer who can't seem to get out of debt.

Recognition is one of the biggest hindrances to getting to the root of the problem and this is another thing that Mr. Newman addresses right from the get-go. If people can't admit that there is something wrong then there is no way to fix the problem. Also Mr. Newman sets about setting things up in a realistic and logical manner. He has a section on setting up a plan of action, creating attainable goals, following your plan into attack and meeting those goals and moving on.

And that's just in the first chapter! He goes on to talk about things every consumer needs to know about creditors and bill collectors including the two types of creditors and the three types of bill collectors, ways to handle calls you may be getting from them, things you should and should not say to them when dealing with them, and stopping their calls altogether.

Another thing Mr. Newman stresses is the fact that people are able to turn the tables on their bill collectors; just because you are the one being pursued doesn't mean that you don't have a way to make the bill collectors have to do their own due diligence. Moreover there are way to protect your assets from creditors and ways to clear debts without filing bankruptcy.

If it does ultimately turn to that, there are things you should know about bankruptcy and Mr. Newman delves into these facts as well. Answering the questions should I declare bankruptcy, when should I declare bankruptcy, what is the difference between chapter 7 and chapter 13, as well as your attorney's duties when filing these cases.


While these may seem like things which are talked about ad nausea in the news and in other publications, Michael Newman breaks it down for you in way that is easy to understand and quick to follow on the fly. While you want to be able to do so, it may be tougher than you think alone; for this reason What You Can Do To CONQUER Your Credit and Debt Problems is essential reading for anyone plagued by the system.

7 of 13 people found the following review helpful:

5.0 out of 5 stars Help has arrived!, January 16, 2008

By	Michael W. Newman (NW Florida) - See all my reviews

What You can Do To conquer your Credit and Debt Problems

"Tate Publishing and Enterprises"
"Donna Chumley, Acquisitions"

"The information provided in your book is unique in that most people are not aware of the law, their rights and the opportunities they have to protect themselves and their assets. I found the sample letters to be very helpful. Your book is amazing! I personally had no idea about most of the information you provided. I am sure I am not alone. It is with great pleasure that we welcome you as one of the 4% chosen out of tens of thousands each year to become a published author with us!! Congratulations!!"