Solve Your Money Troubles: Strategies to Get Out of Debt and Stay That Way

Struggling with debt? Find solutions here.

Conquering overwhelming debt starts with understanding your options. Solve Your Money Troublesgives you the tools you need to get your finances back on track. Learn how to:

• stop debt collector harassment cold
• negotiate down your debt with creditors
• reduce your student loan payments, and
• create a healthy financial plan that you can live with.
  

But that's not all. Solve Your Money Troubles helps you handle the big issues, too. Find out how to:

• stop a wage garnishment from leaving you penniless
• get your car back after a repossession
• prevent a foreclosure by applying for a workout program
• respond to an action if you get sued, and
• decide if it's time to wipe the slate clean by filing for bankruptcy.
  

Most importantly, you can count on getting the support you need. In addition to up-to-date legal information, you'll find practical tools, such as sample creditor letters and budgeting worksheets. And, if the law changes, you won't be left out of the loop. You'll have online access to all of the latest debt, credit, and bankruptcy developments.

Amy Loftsgordon has worked in the area of foreclosure and debt collection for over ten years. Her broad experience includes helping people fight collection actions and enforcing debtors? rights under the Fair Debt Collection Practices Act. As part of a national settlement involving the mortgage industry, she has also reviewed servicer records to uncover extensive credit reporting errors. Amy has authored numerous foreclosure, debt, and real estate articles on Nolo.com. She is the author of Nolo?s The Foreclosure Survival Guide and Credit Repair, and the coauthor of Nolo's Solve Your Money Troubles. Amy received a B.A. from the University of Southern California and a law degree from the University of Denver Sturm College of Law and is licensed to practice law in Colorado.

Cara O'Neill is a legal editor and writer at Nolo, focusing on bankruptcy, consumer credit, and debt. Prior to joining Nolo, Cara practiced for over 20 years in civil litigation and bankruptcy. During that time, she served as an Administrative Law Judge mediating disputes in the automotive industry, taught undergraduate and graduate law courses, and served as house counsel for a large insurance company. She earned her law degree in 1994 from the University of the Pacific, McGeorge School of Law, where she served as a law review editor and graduated a member of the Order of the Barristers?an honor society recognizing excellence in courtroom advocacy. Cara maintains a bankruptcy practice in Roseville, California at the Law Office of Cara O?Neill.