End debt collection calls and begin restoring your credit rating and pride by negotiating a settlement of your past due debts. Reviews “The Guides are easy to read. The ideas presented are sound, well thought-through, and worthwhile. Careful study of the guides can get you (or anyone) into a better spot and make you more finance-savvy.” - Curt Dederich, followed the "Your Money or Your Life" plan to retire from paid employment at 41, debt-free, then on to manage “The Sunshine Time Foundation,” and later, be a stay-at-home dad "The Simple Guides are packed full of useful, helpful and simple information that anyone can understand. Before you spend hours reading through thick finance books, do yourself a favor and fly through this quick series. These guides may be short, but they’re packed with timeless information!" - Kalen Bruce, founder of MoneyMiniBlog (moneyminiblog.com), debt-free family man and seasoned finance/productivity writer. "The Simple Guides are a refreshing take on a subject that for me, has been mundane, tedious and arcane for most of my life: personal finance. With this series of monographs Kurt has reduced, I should say elevated, finance to a level that I can understand and to which I can relate to my own experience. The personal and historical perspectives shed new light on shadowy topics that I had avoided for too long. This series is an excellent resource for the practical and realistic neophytes among us and is an invaluable tool I think should be adopted by junior and senior high schools across the country." - Steven B.; retired engineer, landlord, community volunteer "The Debt, Credit, and Wealth Series is a refreshingly comprehensive set of guides for personal finance. Kurt breaks down what you need to know across the five guides, explaining some tough subjects in a way that is easy to understand. In each guide, you get more than the typical ebook with its superficial detail. You get a full plan that you can follow for measurable results." - Joseph Hogue, CFA, investment analyst and blogger managing two sites, Crowd101 ((bit.ly/1HWTpNg) and PeerFinance101 (bit.ly/1DQ3skp) covering crowdfunding and personal finance. The Challenge You are being harassed by debt collector calls and your credit rating is in the dumps because of an overdue debt. Your poor credit score has prevented you from getting a job and an apartment you wanted, and you can’t borrow money except at outrageous rates. You’re sick of feeling like a deadbeat! Settling your overdue debts will save money, open doors, and heal your credit rating. Your stress level will fall and you will feel good about yourself again when collection calls stop and your credit score jumps. My Solution This Simple Guide walks you, step-by-step, through the process to settle an overdue debt that's been hanging over your head. You will gain the confidence to negotiate directly with your creditor an agreement to pay off your overdue debt for much less than you owe! By following the steps in this Guide, you will reach an enforceable, affordable settlement with a creditor that will eliminate your past due debt, end collection tactics, and immediately boost your credit rating. The steps are easy to follow, specific, and effective. If a high-fee-but-no-guarantee debt settlement company can settle your debt, then so can you! The Simple Guides to Debt, Credit, and Wealth This Guide is part of the Simple Guides to Debt, Credit, and Wealth series. Please buy this Guide individually or as part of the value-priced package of all five Simple Guides, also available in the Kindle Store. You’ll be amazed how easy it can be to improve your finances, cut your stress, and live a better quality of life--right through your retirement years!