Reduce Debt, Reduce Stress

by Gerri
(gerridetweiler.com)

Reduce Debt, Reduce Stress: Real Life Solutions for Your Credit Crisis

Reduce Debt, Reduce Stress: Real Life Solutions for Your Credit Crisis

Sick and Tired of Bills Piling Up?

When it comes to reducing debt, there are no one-size-fits-all solutions. But there ARE solutions, and Reduce Debt, Reduce Stress will help you decide which ones are right for you ... then, we’ll help you take action, avoiding the traps that keep many people in debt.

Too many Americans are facing unprecedented credit and financial problems, often for reasons beyond their control. If you’re one of them, you may be cringing when the phone rings or the mail arrives. Maybe you're losing sleep, having trouble concentrating at work, snapping at family members, or experiencing many of the myriad emotional and physical symptoms that go hand in hand with money troubles.

I'm Here to Help Cut Through the Confusion!

My e-book, Reduce Debt, Reduce Stress: Real Life Solutions for Solving Your Credit Crisis, which I coauthored with Marc Eisenson and Nancy Castleman, will make it easy for you to choose your best options for getting out of debt and staying out of debt.

It shares our simple and effective "Debt Triage" approach, based on our combined sixty years of experience helping people meet financial challenges.

Our goal with Reduce Debt, Reduce Stress is to give you step-by-step, objective advice for navigating these tough times. You’ll learn:

• How to figure out today whether you can conquer your debt on the money you bring in, or if you need to see a "specialist." Links to reputable experts are built right into the book.

• How to stop the bleeding as quickly as possible.

• What the pros and cons are of the most popular debt reduction options - so you can decide realistically if they will work for you.

• Which debt busting programs will affect your credit the least and which are scams.

• How new social lending websites can cut your interest rates in half or more.

• The best – and worst – ways to use your retirement money to pay debt. (Please read this before you tap your retirement plan to pay debts!)

• Why the critics are wrong about debt settlement.

• The biggest mistake most people make when it comes to bankruptcy.

• And much more – including success stories from people from all walks of life who have paid off as much as $200,000 in credit card debt!

Retail price: $14.95. Florida residents will be charged 7% for sales tax.

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Oct 21, 2013
Went from 6 figures to no figures
by: Living in Hell

My husband had a Stroke and had to stop working in 2011 prior to that I lost my job due to Severe Depression and we have 2 teenage Sons. Our credit hit rock bottom and we are having a hard time paying our mortgage, utilities, car, credit cards and medical bills. Our utilities our eating us alive but we can't move because we can't get another Mortgage for a smaller house.

I am literally loosing my mind even more so and cannot do this anymore. Ready to divorce and just run far away. Several credit cards have gone into discharge. And on top of all that I found out my Identity was stolen by my Mother and Brother. I have lost it completely and have tried Suicide so I wouldn't have to live this MISERABLE LIFE. We had it all and it is gone can't provide for my Son's and I am embarrassed someone is always turning something off and my neighbors see this happening. Living In Hell

Reply from Gerri:

I am so sorry to hear what you are going through. I don't have any easy answers for you - I wish I did. But the first things I would say is: First, get a hold of your local legal aid office. Hopefully they can help you get a handle on the bills and what options are available to you for dealing with these bills and utilities. There may be programs that can help, and if there are, they should know about them.

Secondly: Get medical help for your depression. There are many programs that can offer low-cost or free medications to patients who don't have the financial means to pay for them. I shared in my book Reduce Debt, Reduce Stress that I have experienced clinical depression myself and it's a very dark place to be, but if you can find the right help hopefully you can come out on the other side. It's not something you can just snap out of. You need help to get through it. And I know it's hard to get the help you need when you are depressed but please try to find someone who can help you get the help you need to get through, at least until your sons are independent. Don't leave them now. I am sure they need you, and no matter how you feel they are not better off with you gone.

Please let me know how you are doing.


Aug 01, 2013
Lost wages
by: ms.E

I recently have a garnishment of wages,is it too late for me to take funds from my retirement and pay off this debt.

Reply from Gerri:

You should be able to settle this debt. But please, before you do, meet with a bankruptcy attorney. Retirement funds are usually protected from creditors in bankruptcy and most people are going to need every penny they've saved for retirement. The attorney may be able to help you stop the garnishment and keep your retirement funds.

May 02, 2013
For struggling
by: Gerri Detweiler

This is in reply to "struggling": I am really sorry to hear what you are going through. You're not alone - so many people have experienced similar things - but I know that doesn't make it a whole lot easier.

I would suggest you do two things:

1. Now that your husband is back to work, get a free consultation with a credit counseling agency to see what other resources they can suggest for getting back on track. I know it's probably been hard on both of you, and having someone else give you some suggestions can help relieve some of the stress you are both feeling. This podcast will explain how credit counseling works and how it can help.

2. Focus on one thing at a time. I know it's hard to see your credit scores drop, but I would suggest you try not to worry about that at the moment. Focus on getting your financial situation stablized. Get caught up on your bills (that's where a credit counselor may be able to help) and putting aside a little money for emergencies. Then when you've accomplished that, you can start focusing on rebuilding your credit. I have a whole page of podcasts that explain how to boost your credit scores and I suggest you start here. I am happy to answer more questions once you've been through the basics. But again, I think your first priority is your finances - then your credit.

I hope this helps and I hope you'll be back on track soon!

Apr 12, 2013
Struggling
by: Anonymous

My husband just recently went back to work, meanwhile we've been struggling with mortgage pymt., utilities, grocery, car note, paying IRS for a business that failed and student loans. Our credit score has dropped tremendously. How can we get back on track.

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