The Road Out of Debt provides real, easy to use solutions to your debt and financial problems when your financial stress is building and you need answers the most. The Road Out of Debt provides you with real financial defense for dealing with your creditors, assessing your financial situation, and employing straightforward and essential solutions for overcoming that debt. Most importantly, the book does not shy away from recognizing the benefits that bankruptcy could provide you, no matter how old you are, how much you earn, or how big your debts are.

Written by a bankruptcy judge and a bankruptcy lawyer in an easy to read and straightforward style, the Road Out of Debt takes a no-nonsense approach to the steps you need to take in order to conquer your debts and rebuild your finances. It tells you how stop creditors from calling you without filing for bankruptcy. how to negotiate with creditors, how to recognize when you are the target of a financial scam, how to pick a good credit counselor and how to determine your financial distress level.

The Road Out of Debt provides ways to handle all the different types of debt that may be causing you problems: including mortgage; auto; credit card; medical; student loan; and IRS debt. The book also discusses bankruptcy in easy to understand language and in a way that takes the mystery out of bankruptcy by walking you through vivid tales of the events in hypothetical debtors’ stories. Only those who truly know the powers and limitations of bankruptcy, can give you your full array of weapons to defeat debt because even if you don’t plan on filing bankruptcy, knowing what bankruptcy can and cannot makes all the difference in how you can treat each of your debts and deal with your creditors.

Divided into four comprehensive sections and designed so you can either read it straight though or skip to what directly applies to you, the Road Out of Debt will put you in a better position to face your personal financial problems and deal with them. With this book as your guide, you’ll quickly learn how to get out of debt, when to avoid bankruptcy, when you should seek bankruptcy protection, and how to work through the bankruptcy process if you choose to take that road.

You are not alone. Millions of Americans and others across the world are facing dire financial situations, job losses, home foreclosures, and other major financial challenges. The Road Out of Debt gives you the tools to face financial challenges.