Do It Yourself Debt Settlement and Credit Repair

A well written guide of current choices available to the consumer for settling debt, and dealing with creditors. This pamphlet like manual of choices lays out the do's and don't of debt settlement, credit counseling and bankruptcy. A must for the consumer concerned about their credit score.

Short and concise without superflous claims the author lays out the bank and collection agency procedures the creditor will face. How to deal with banks, colletion agencies, and government student loans. What the consumer can expect from creditors. And what actions the cosumer should take to counter creditor claims.

Debt settlement companies are charging fees for something that any ordinary person can do. These companies are sometimes charging scandalous fees. This publication goes inside the debt settlement scam and explains what these companies are doing, and how they do it.

The author has forty plus years working in finance, from being a collection manager, student loans officer, and credit counselor. It is the author's intention to bestow his knowledge to the average citizen. The intention of the author is educational, i.e.education that is practical and useful.

The material contained in this publication is copyrighted in accordance with title 17, U.S. Code.