The Get Out Of Debt Kit

Americans are carrying a record $1.645 trillion in debt, exclusive of home mortgages, according to the Federal Reserve.
Living beyond our means and financing unaffordable lifestyles on the back of credit cards has become synonymous with American consumer culture. Some consumers feel the nagging beginnings of problems, while others are nearly imprisoned by debt. No matter what the level, debt is debilitating, draining mental, emotional, and financial energies. For those sensing they might be out of control when it comes to rising credit card balances, here is help from someone who has walked the same road.
Credit expert and financial coach Deborah McNaughton speaks from experience. She has been deep in debt, hovering on the brink of bankruptcy herself. As she has gotten her own financial life under control, she is that much more committed to helping others get out of debt.
In The Get Out of Debt Kit, McNaughton constructs a practical and proven roadmap for shaking the debt monster and achieving total financial freedom. How? Debt-ridden consumers get help to:
??? Identify the warning signs and prepare to take action.
??? Prioritize debts and decide which to pay off first.
??? Negotiate with creditors as necessary.
??? Break the unproductive habits that led to debt in the first place.
From figuring out where the money goes to putting together a budget, readers get the tools they need to turn away from overdependence on credit cards, including specific tips for getting out of debt.
About the Author
Deborah McNaughton is the founder of Professional Credit Counselors and currently serves as spokesperson for Massachusetts-based The Debt Relief Clearing House, a placement service specializing in helping people with debts. Popular as a speaker and seminar presenter, she is the author of numerous bestselling books on credit and debt, including All About Credit and The Insider??™s Guide to Managing Your Credit. McNaughton??™s practical advice is regularly featured in national print and broadcast media, including Talk of the City (NPR), Your Money magazine, the New York Times, the Chicago Tribune, Parade, and Lifetime Television.