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Life After Debt How to Repair Your Credit and Get Out of Debt Once and for All

The author of How to Beat the Credit Bureaus discusses the causes of indebtedness and teaches people how to solve their credit problems and establish good credit. 25,000 first printing. Tour.

User Ratings and Reviews

3 Stars Could have been a pamphlet
The information that you need to start repairing your credit is in here and so is some stuff about reducing debt. The book covers how to order your report, dispute it and follow up with the Credit agencies. It has sample letters that you can use with your own information. It has techniques on working with creditors to have them remove negative information from your report for you.

Overall, I don’t feel ripped off, but I am a bit disappointed. There could have been much more detail in the areas of Keeping your credit report from being damaged, building good credit, and strategies for saving money and reducing debts (which are the cause of bad credit in the first place). This type of book would be much more useful in the form of a workbook rather than the front to middle reading it is.

The book gives you what it promises, but not in the best form and with a ton of filler. The second half of the book is just a reprint of Credit Laws which could come in handy if I was working with a lawyer or could understand it myself, but otherwise is just there to add pages.

Judging by the number of books that Bob Hammond has written on the subject, I would say that he is just revamping old work, adding a lot of filler text and calling it a new book.

The information in this book is so rudimentary should be free. But I give it 3 stars because it has helped me get the ball rolling with my credit.

5 Stars Essential reading for anyone trying to make ends meet.
Now in a fully updated third edition, Bob Hammond’s Life After Debt continues to be the most practical, reader friendly, single volume guide to personal money management and emancipation from crippling debt available to the reading public. Hammond tackles the problems of how debt is caused and solving credit problems — permanently. Readers will learn how to increase their cash flow, reestablish a sound credit rating in less than 30 days, stop collection agency harassment, raise their credit limit, create an “instant” credit history dating back ten years. Life After Debt is enhanced with addresses and phone numbers of consumer credit services, state banking authorities, and other financial stability resources. Life After Debt is essential reading for anyone struggling to make ends meet.

5 Stars Highly Recommended!
Bob Hammond discusses how to reduce debts, repair credit and deal with creditors and collection agencies. He includes tips on negotiating debts downward and sample letters to creditors. The detailed appendix includes the U.S. Fair Credit Reporting Act, Equal Credit Opportunity Act and Fair Debt Collection Practices Act. This book is primarily targeted to small business owners, employees and the unemployed or underemployed who are having debt problems. We [...] appreciate the basic, “do this,” tone of voice and the practical approach to helping someone climb out of debt. (While some of these strategies might be useful anywhere, only U.S. law is discussed.)

5 Stars It may be short, but it’s sweet!
Other reviewers of this book here at Amazon seem to feel that the author is skimping on the details, and that he uses the laws we have to live with as filler. I disagree. Personally, I don’t have time to read a lengthy discourse on how to get out of debt, repair my credit, or work towards being financially stable. This book contains more than enough valuable information to get anyone with credit woes on the road to recovery. When I bought this book just over a month ago, I had 11 negative marks on one of my credit reports. After taking the sample letters in this great book and modifying them to meet my needs, I have changed 9 of these marks to positive, and am negotiating on the last 2. I found this book to be an invaluable tool, as a novice to the way debt works.

1 Star Reviewed by professional credit consultant
This book may be helpful for someone who needs some basic knowledge about credit repair and debt issues. However, Mr Hammond merely added very little updated information and creates another edition to be sold in the market place. More than half of the book consists of credit regulations, and out of date phone numbers for many governmental organizations and creditors alike. It is obvious he does not put in much additional effort in creating new additions. Also, some of his techniques may not work for everyone. If he spends any time practicing in this field (which I feel he have not) he would have written more practical credit repair techniques which may prove beneficial to consumers out there.

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Get Credit Now

CONTENTS: SEVEN BASIC STEPS: OVERVIEW, DIVORCED OR DEPARATED: KNOW YOUR RIGHTS, HELPFUL HINTS, CREATING A NEW CREDIT PROFILE, LAWS THAT PROTECT YOU, WINNING THE CREDIT BATTLE, CREDIT SECRETS AND CASH SOURCES,

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Credit Miracle for Canadians How to Build Repair and Improve Your Credit Get out of Debt Make Banks Beg to Lend You Money and Protect Youself from Identity Theft

How to Build, Repair, and Improve Your Credit, Get out of Debt, Make Banks Beg to Lend You Money, and Protect Youself from Identity Theft! This is the only book in the market place that explains Canadian credit laws in a simple language that is easy to understand as it reveals how anyone can use these laws to boost their financial position in no time. Simply said, Credit Miracle for Canadians is a tool every Canadian should have in their financial toolbox!

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How to Get Out of Debt Get an a Credit Rating for Free Using the System Ive Used Successfully With Thousands of Clients

User Ratings and Reviews

5 Stars How to Get Out of Debt: Get an “A” Credit Rating FREE Using the System I’ve Used Sucessfully with Thousands of Clients
Ms. Freeman is the Credit guru/savior. I have seen significant improvements over time in my credit scores using the suggestions and tips in Ms. Freeman’s insightful book. Debt can seem insurmountable when you are in it and I am now on the other side and plan to stay that way. I want to testify to EVERYONE. The strategies are written in understable language and are very doable. It has really opened up my eyes into my negative spending and credit usage behaviors. I now always shop with a purpose to get a specific item in mind rather than overspending without purpose, just being drawn to a sale for the sake of the sale. I have also bought this book as a gift for recent college grads so that they may avoid some of the credit pitfalls. I highly recommend it to everyone!!!

5 Stars Fantastic Guideline on How to Get out of Debt!
This is a fantastic guideline on how to get out of debt…it tells you the reasons why you allowed yourself to create your bad debt and explains the necessary steps to take to get out of debt, starting with calling your creditors and working out a payment plan, to creating and sticking to your budget.

Thanks Harrine for this informative read!

5 Stars Got Debt? Get This…
Will that be cash, check or charge? We have all heard those words as we step to the cashier. But how many of us pay cash for everything? Not many seeing that over 30 million Americans are in debt. Freeman has written an easy to follow guide to becoming debt-free and getting an “A+” credit score.

The chapters discuss everything you need to turn your credit situation around. How to recognize the warning signs of bad credit, getting on track after bankruptcy, repairing your credit, improving your credit rating and surviving identity theft are all fully explained with suggestions on how to go about turning things around. Freeman includes examples of letters to send to creditors explaining late payments, reducing your interest, and how to stop junk mail. There are also samples of budgets, how to calculate your spending levels and ideas on cutting back in order to pay off your total debt.

HOW TO GET OUT OF DEBT is an outstanding tool that can be used to restore your credit. Every person needs to read and understand this information before graduating from high school. Parents have to stand tall on discussions concerning finances so that our children don’t perpetrate the current financial travesty going on in America. So buy this book for yourself, friends, church, youth group and community organization, your financial independence depends on lessons taught in its pages.

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Reviewing for Real Page Turners

5 Stars Great Book
I think this book is a terrific resource for credit repair. I have just gone through many of the processes outlined and it was extremely useful to me.

5 Stars A Must Read If You’re Caught In The Trap
Harrine has written a wonderful book that will help you get out of the credit trap. Her down-to-earth writing style and common sense strategies are useful and effective for anyone who needs help in re-building their credit. A great book, a great resource, and a lifeboat for many people. Two big thumbs up!

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