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Adams Media Corporation agency rep American Express attorney bad debt bills borrow budget businessperson Car payment cash CHAPTER charge card collection agency collection person collector confront consolidation loan consumer contact the creditor course of action court cred credit bureau credit card companies credit card purchases credit history credit problems Credit Reporting Act credit union dealing with creditors debt problems DISCRETIONARY FIXED EXPENDITURES effort emergency fund Fair Credit Reporting financial picture financial problems going guidelines idea instance interest itor Jim Murphy Jones keep legal action loan shark Mastercard ment month to month MONTHLY EXPENSES negotiate NON-DISCRETIONARY FIXED EXPENDITURES notation option pawnbrokers payment problems perhaps Personal computer probably relationship renegotiate repay the debt repayment plan repossess request shipping and handling spending tactics take the initiative tion total order Trade paperback Transunion type of bankruptcy VARIABLE EXPENDITURES estimated