AARP Master Your Debt: Slash Your Monthly Payments and Become Debt Free

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John Wiley & Sons, Dec 19, 2011 - Business & Economics - 256 pages
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The world of borrowing and debt management has changed dramatically, leaving people confused about how best to secure their financial future. This book is the only guide with detailed advice to help you become debt free or master the debt you have, based on the latest laws and new government programs and policies implemented under the Obama administration.

Is the information and advice on debt management different than in years past? Definitely. In this savvy, engaging guide, bestselling financial expert Jordan Goodman will tell you how to

  • Win the mortgage game: avoid foreclosure, obtain the best refi, and modify your mortgage even if it is "under water"
  • Clean up your credit report and dramatically boost your credit score
  • Negotiate new terms and payments for burdensome medical bills, student loans, and credit cards
  • Protect yourself from the devastation of identity theft
  • Master the new credit card rules, and avoid the rate and fee traps
  • Learn a revolutionary strategy that will help you become mortgage free in 5 to 7 years, change the way you pay all your bills, and save hundreds of thousands of dollars

Master Your Debt recommends many pioneering strategies as it lays out an innovative plan for achieving the elusive goal of financial success. The book is filled with helpful web sites, toll free numbers, associations and government agencies, and vetted companies and services to help you implement this advice. In today's volatile economy, getting out of debt is the key to surviving and thriving, and author Jordan Goodman provides you with the strategies and tools to live debt free.

 

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Contents

I Hear What You Are Saying
You Have Power
There Are New Answers for a New Era
How to Approach This Book
A Long Time Coming
A New Era
Other Kinds of Loans
First Determine Your Net Worth
And Now On to the Good Stuff
How to Wipe Out Your Balances Once and for All
But First Do You Really Need a Car?
Shop Before You Shop
Should You Use a Buyers Agent Broker or Buying Service?
How to Pay for Your Car
Getting the Best Loan
Save Save Save

Analyze Your Cash Flow
Do a Risk Test
Analyze Your Debts
Are You in Trouble?
How Credit Reports Work
Check Your Credit Reports
What to Look For
Its Your Score That Really Counts
How to See Your Scores
Do You Have a Good Grade?
You Can Improve Your Credit Score
Learn the Basics
Then What?
Prevention Is Easier Than Cleaning Up Later
About Fraud Alerts and Credit Freezes
You May Already Be a Victim
How to Shop for a Mortgage
The ArcLoanOne VariableRate Loan That I Like
Should You Refinance?
Home Equity Lines
Reverse Mortgages
Shared Equity Arrangements
Paying Off Your Mortgage Early
Why It Works
Its Not for Everyone
Do It Right
Broaden Your Scope
A Look at the Landscape
Finding the Best Cards for You
How Many Cards Should You Have?
A Debit Card Is Not a Substitute for a Credit Card
All That Fine Print
The List of Shame
Learn How the Financial Aid Game Works
Tough Decisions
The Bills Come Due
New Options from Uncle Sam
How Much Trouble Are You In?
Desperate Times Desperate Measures
Working with Creditors
Student Loan Troubles
How to Choose a Credit Counseling Agency
The Debt Management Plan
Those Pesky or Worse Collection Agents
Saving Your Home by Fixing Your Loan
Get the Right Kind of Help
The Last Resort
Staying Healthy without Making Your Bank Account Sick
There Are Two Forms of Consumer Bankruptcy
The Chapter 7 Means Test
Get Help
Before You File
What about Your House?
Life after Bankruptcy
Rebuilding Your Credit Score
Clean Living
Building Wealth Getting Squeezed
Countdown to Retirement
Early Retirement
The Second Half of Retirement
Attitude Is All
Polish Your Skills
Guiding Principles
General Resources
Topical Resources
Copyright

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