Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt) [Paperback]

Lynnette Khalfani (Author)

Book Description

Series: Zero Debt | Publication Date: August 1, 2004

From the Author: I know what it s like to have excessive credit card debt. In fact, I know the stresses of having $100,000 in debt. That s the main reason I wrote Zero Debt -- to give people in debt a message of hope: You can conquer your debt! And in many cases, you can do it much faster than you think. If you re drowning in debt, I urge you to pick up a copy of Zero Debt to learn how to quickly eliminate that debt and get on the road to financial freedom. Don t delay: start dumping your debt today! Book Description: Would you like to be free from financial worries, rest at night knowing your bills are paid, and have peace of mind when it comes to money matters? Then you need Zero Debt. In Zero Debt, you ll discover: * How to get annoying creditors off your back * Insider secrets to reduce interest rates or eliminate credit card late fees * Your legal rights and what bill collectors can and can not do under the law * The best strategies to clean up your credit report or fix errors in your credit file * How to make lifestyle changes that will save you money for decades to come! If you want to be debt-free and achieve financial freedom, you need an action plan to guide you. This book is your step-by-step plan. It s simple. It s easy to understand. And it works.

Editorial Reviews

Review

If you ve got credit card debt, you need to get this book and read it. There are some great ideas in there. --Dr. Phil, discussing Zero Debt: The Ultimate Guide to Financial Freedom on his show

Want to live debt free? You can with the help of Zero Debt: The Ultimate Guide to Financial Freedom. Here at last is a viable action plan for debt-free living that is both easy to understand and easy to put into action. --Black Enterprise Magazine

From the Author

I know what it's like to have excessive credit card debt. In fact, I know the stresses of having $100,000 in debt. That's the main reason I wrote Zero Debt -- to give people in debt a message of hope: You can conquer your debt! And in many cases, you can do it much faster than you think. If you're drowning in debt, I urge you to pick up a copy of Zero Debt to learn how to quickly eliminate that debt and get on the road to financial freedom.Don't delay ... start dumping your debt today!

See all Editorial Reviews

Product Details

• Paperback: 204 pages
• Publisher: Advantage World Press; 1st edition (August 1, 2004)
• Language: English
• ISBN-10: 1932450750
• ISBN-13: 978-1932450750
• Product Dimensions: 9.1 x 6.1 x 0.4 inches
• Shipping Weight: 10.4 ounces (View shipping rates and policies)
• Average Customer Review: 4.3 out of 5 stars  See all reviews (27 customer reviews)
• Amazon Best Sellers Rank: #988,267 in Books (See Top 100 in Books)

Customer Reviews

Most Helpful Customer Reviews

91 of 93 people found the following review helpful:

5.0 out of 5 stars Bling, Bling and Broke No More - Hooray for Zero Debt!, September 10, 2004

By 

James Thomas "James Thomas" (Philadelphia, PA) - See all my reviews

This review is from: Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt) (Paperback)

After taking Lynnette khalfani's Zero Debt workshop at the Learning Annex I was convinced that even I could turn my financial life around. During her workshop, she guided us through a number of techniques to help improve our credit ratings, handle existing creditors, and learned what to say to aggressive bill collectors. The room was packed while she spoke for nearly 3 hours! Honestly, we would have stayed for six hours because the author is a wealth of knowledge.

I would recommend her book (used extensively during the workshop) to anyone deep in over their heads in debt and especially for young college students...the fastest growing segment filing for bankruptcy (we learned during the workshop).

Zero Debt is written as a 30 day action plan. However, it won't take you 30 days to read this gem. The information is delivered clearly and in a reader friendly format that anyone can understand.

44 of 50 people found the following review helpful:

3.0 out of 5 stars From Tavis Smiley to Dr. Phil, November 12, 2004

By 

foleydog "foleydog" (Los Angeles, CA United States) - See all my reviews

Amazon Verified Purchase

This review is from: Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt) (Paperback)

I bought this book because it wasn't available at my library and she was on Tavis Smiley that evening. This book is no more helpful than Oprah money guru -- Suze Orman's book.

I'm loaded down with student debt from college and law school and I'm always on the look out for a solution to ridding myself of that mortgage sized monthly payments. It turns out when you've pared your life down to the bone, a book like this isn't helpful.

The advice is helpful if you're hanging by your fingernails on the edge fielding calls from evil bill collectors. For those of us trying to get rid of 'good' debt -- I'm still looking for a book with a good solution.

She has one good point, though -- don't live your life pared to the bone because there isn't anything to give up when you're in financial trouble.

21 of 22 people found the following review helpful:

5.0 out of 5 stars Dig Out, January 23, 2005

By 

The RAWSISTAZ Reviewers (RAWSISTAZ.com and BlackBookReviews.net) - See all my reviews

This review is from: Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt) (Paperback)

You might say Lynnette Khalfani is perfectly qualified to tell people how to get out of debt. She's been onstage with Dr. Phil and Jane Pauley and numerous others talking to people about spending wisely and managing their debt. However, what makes her the perfect candidate is that she was over $100,000 in credit card debt herself and dug herself out of it in only three years. While that fact is very impressive, the valuable step-by-step instructions on how to get out of a financial rut is what makes ZERO DEBT a book you'll really want to have.

Khalfani provides her readers with an easy to follow plan to get out of debt. She starts the lessons by defining debt and how most people find themselves caught up in it. Whatever the reason for the debt, it seems Lynnette Khalfani has a plan for it. From simple requests like opting out of credit card offers to more complex tasks like gathering all your bills and finding out what you owe, ZERO DEBT is well-balanced and simple.

ZERO DEBT is written in an easily followed conversational tone, a helpful trait when talking about finances to those who are already stressed when they pick up the book. Lynnette Khalfani breaks it down for the rest of us and I, for one, am grateful she did. I'll be following her steps to get myself on track financially and plan for the bright future ahead. (RAW Rating: 4.5)

Reviewed by CandaceK
of The RAWSISTAZ™ Reviewers