» » Negotiate and Settle Your Debts - A Debt Settlement Strategy: Learn how to settle debts as low as 20 cents on the dollar
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Negotiate and Settle Your Debts - A Debt Settlement Strategy: Learn how to settle debts as low as 20 cents on the dollar by Mandy Akridge

  • Author: Mandy Akridge
  • Book title: Negotiate and Settle Your Debts - A Debt Settlement Strategy: Learn how to settle debts as low as 20 cents on the dollar
  • Category: Business & Money
  • Subcategory: Personal Finance
  • Publisher: Createspace; 1st edition (October 5, 2009)
  • Pages: 120
  • ISBN: 1448641225
  • ISBN13: 978-1448641222
  • Rating: 4.3
  • Votes: 678
  • Other formats: lrf lit rtf lrf
Considering debt settlement? Negotiate and Settle Your Debts guides you to an extremely inexpensive way to do your own negotiating and settling of credit card debt. Save thousands of dollars and improve the quality of your life with this very informative gem of a book. Contents are sample Debt Settlement letters , Instructions on the timelines, How and when to start negotiating with your creditors, What happens each month you go late, Credit Repair Letters, Information about the Statute of Limitations and FDCPA, Information about the IRS Debt Forgiveness laws including Insolvency. Recent debt settlement letters of the authors from Bank of America for 20 cents on the dollar show that the strategies in this book really work. These are easy to follow steps, which allow you to take back control of your financial future. Take action on your credit card debt today and discover the secrets the debt settlement companies and banks don't want you to know!

7 Reviews
Kiutondyl
This book allowed me to settle $33K in debt for about 28 cents on the dollar! I could not have done it without the examples of letter and information on how to talk with the creditors. The biggest added value was being able to email Mandy who coached me through when I was losing my nerve about the process. It is scary to decide to stop paying and then start getting phone calls from creditors. Do buy a "magic jack" for your computer and change your phone number on your credit cards to the "majic jack" number before you stop payments. It allows you to keep your home phone separate from your "debt" phone.

After about 4 months several creditors sent letters offering a settlement. Mandy's book told me what to look for in the letter to be sure the debt would be forgiven. Others creditors told me a settlement was not possible-- yet months later they came back to me and offered a settlement. I'm so glad I didn't choose credit counseling or a debt settlement company. Buy this book if you can't see a way out of your financial troubles. It will give you hope for a better financial future in a shorter time period than any other approach. This book was exactly what I needed to take a step forward!
Beranyle
Only works if you don’t have a lot of secured debt and can save money to negotiate and settle the accounts
hulk
My husband and I were literally drowning in debt. Yes, we had made some very poor mistakes but the majority of our debt was from our small business. I read the reviews and thought to myself, "I could not handle the stress of even attempting it!". A few weeks later as I was writing the checks to my 5 credit cards, I realized that we would not be out of debt until 2017! I decided to followed the steps, re-read this book nearly 3 times and then jumped in! I settled my $26,000 in credit card debt for just under $8000.00. I took six months to complete the task. We are much wiser and now have a very clear budget and plan to rebuild our credit. All but 2 of the credit card companies actually offered to open another credit card to help rebuild our credit again. We have declined only to become accustomed to living a cash only lifestyle. I sleep better and have a different outlook on money and credit.
Mandy is a great support and provided much needed feedback throughout the process.
Shazel
I bought this book, along with 4 others on debt settlement. This book was the most helpful by far for dealing with creditors and setting up your plan of attack. This book was the only one out of the pile that stayed with me through the whole process. It has lived in my backpack the past 6 months, highlighted and well-read. Currently I am settling with a few creditors for about 30% but am hoping to get the others to go lower.

Why does this book work?
* each paragraph is valuable.
* it's short and to the point, very readable - you will actually read it as opposed to the others!
* it's concise, well-written, and researched thoroughly.
* it's up to date
* the author cares
* the letters in the back are helpful for counter offering
* she advises on legal matters and the psychology behind debt and negotation
* most helpful are the dialoguing and negotiation tips

My advice - really write out what you are going to say (make a dialogue flow chart for yourself) before you speak to creditors. know your story and stick to it. Anticipate them asking about your situation, have an answer. Anticipate rudeness, stay calm. Use Mandy's advice and leverage the power of time. Insist settlement is the only viable option for you at this time. You can do it. I did with the help of this book. Good luck!
Obong
Life Saver. Just finished reading it. Haven't applied the techniques yet. But for now, it's totally put my stressed-out mind at ease just knowing there is a specific way out of credit card debt.
Rgia
I bought this book in January because I have over $29,000 in debt. I have used all the sample letters and used all the advice given in the book. Including sending letters to stop getting calls, and using the advice never to negotiation over the phone on settlements. I even got a internet fax machine that allows me to fax 300 pages a month using my computer for less than 10.00 a month. Its helped greatly to receive and counter settlements quickly. I currently have offers to settle between 30%-50% on my account but using the counter settlement letters to get closer to 20% settlements. I just received a fax an hour ago for a settlement I offer for 20 cent on the dollar on a $7,000 collection for Bank of America. "UPDATE" I have 8 accounts in collections and I have settled with four account in the past four months, and averaging 29 cents on the dollar for full settlements. I borrowed 5,000 from grandparents to make full settlement offers. I will be completely debt free in feb 2011.This book has saved me thousands of dollars! BUY IT!
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