If thinking about your credit card debt makes you break out in night sweats, and if running from the collection agencies that hound your phone isnat your exercise of choice, you need to read this book. You may have ended up in debt because of an emergency or because you spent a little more than you should have every month. But itas important to know youare not alone; nearly half of Americans struggle with credit card debt, and no one likes to talk about it. In this book, Nick Clements talks about it. He previously worked as a banker trying to get people into debt, and he reveals invaluable tips and tricks heas gathered from working on the inside to help you become debt-free. Because credit cards werenat always evil: They started out as a way to help people make payments, but quickly evolved into traps that make it incredibly easy for people to fall into debt. In Secrets From An Ex-Banker: How To Crush Credit Card Debt, Nick Clements helps you create and stick to a budget, make an honest self-assessment regarding your ability to handle plastic and organize a plan to get out of credit card debt within three years. No matter how much you owe, this book will help you ask the right questions to steer you toward the ultimate goal: liberation from credit card debt.In fact, completing credit counseling is a requirement prior to filing bankruptcy. ... In Chapter 7, all of your credit card debt is usually eliminated. ... When you file for bankruptcy, your income is compared to the median income of your state.
|Title||:||Secrets From An Ex-Banker: How To Crush Credit Card Debt|
|Publisher||:||Forbes Media - 2015-06-24|