Credit Hell : How to Dig Out of Debt (Paperback)

~ (Author) "If you are living in Credit Hell like Ed and Shana, there is a way out, but it will take hard work, self-discipline, and some..." (more)
Key Phrases: credit record information, credit hell, account billing statement, Assessing the State of Your Finances, Using Credit Responsibly, Fair Credit Billing Act (more...)

Editorial Reviews

Product Description

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.

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.

See all Editorial Reviews

Product Details

• Paperback: 224 pages
• Publisher: Wiley (March 21, 2005)
• Language: English
• ISBN-10: 0471737534
• ISBN-13: 978-0471737537
• Product Dimensions: 8.8 x 5.7 x 0.7 inches
• Shipping Weight: 9.6 ounces (View shipping rates and policies)
• Average Customer Review: 4.1 out of 5 stars  See all reviews (10 customer reviews)
• Amazon.com Sales Rank: #810,820 in Books (See Bestsellers in Books)

Customer Reviews

Most Helpful Customer Reviews

9 of 11 people found the following review helpful:

2.0 out of 5 stars For Beginners only, August 21, 2006

By	Rod A. Britten (Los Angeles, CA United States) - See all my reviews (REAL NAME)

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.

4 of 4 people found the following review helpful:

5.0 out of 5 stars Very Helpful, Practical, April 18, 2005

By	Billism (Rockville, MD) - See all my reviews

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.

6 of 7 people found the following review helpful:

5.0 out of 5 stars Great book, May 3, 2005

By	Smarter Now "smarter now" (MA) - See all my reviews

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.