Negotiating Debt

This book aims to develop and test a model of International Monetary Fund (IMF) decision-making that will offer a better understanding of how the IMF applies its lending terms to individual countries such as Jamaica, Zaire, Sudan, India, United Kingdom, Turkey and Argentina.

Millions of Americans have to deal with thousands of dollars worth of bad debt. I say bad debt because believe it or not there is such a thing as Good Debt. What this book covers is how to EFFECTIVELY deal with bill collectors, and lawyers who are threatening to sue over your debt and legally and ethically improve your credit profile. You will learn how to manage your life in such a way so as to reduce your debt load and negotiate with your creditors and collection companies so you can settle your unsecured debt for as little as 25 to 50% of what you oweLEGALLY! You will discover how banks and credit card companies take advantage of consumers in order to charge over draft and over limit fees. You will learn why you should never, EVER hire a Debt Settlement company. There are a few honest ones out there, but by and large most are huge rip offs. A Texas jury recently awarded consumers 13.9 million dollars in damages from a Debt Settlement company that ripped them off. By the time you finish this book, you will be able to effectively and BOLDLY deal with bill collectors, and the credit bureaus by learning how to use federal law and state statute of limitations to the fullest extent possible. Finally, at last YOU will be in control of your financial life!

Why You Should Read This Book: If you have debts and don't know how you'll get rid of them, this book is for you ... If creditors are calling you day and night to collect from you, and you don't have a solution, this book is for you ... If you've wondered how long you'll pay minimum payments, and if you'll ever get out of debt, this book is for you ... If bankruptcy is starting to look like your only choice, this book is for you ... If you'd like to settle your debts, and wonder if you can do it yourself, this book is for you! Inside you'll find out how to work out a budget; how to figure out what your choices are, and decide on your best choice; you'll get instructions on how to talk to your creditors; you'll get negotiation insights that will help you get your best settlements with your creditors; you'll even receive information about what to do in case you receive a lawsuit from one of your creditors (yes, that can happen, and you need to be prepared so you know what to do). Many people have debts and need help. You might think you need to get a professional to help you negotiate with your creditors. You don't! I owned a debt settlement company for years and I know most people can do this themselves. If you think you can, this book will show you how to settle your debts yourself. I don't hold back any secrets. You can do it! This book will show you how.

***SECOND EDITION***This book IS about negotiating forgiveness for your credit card debt by writing your creditor one simple negotiation letter and what to do if the creditor refuses to negotiate. If you owe money on your credit cards and cannot make payments anymore because of financial difficulty, this book is for you. I owed over $100,000 in credit card debt and the debt was hurting my life. I had trouble sleeping at night thinking how long my ever-increasing debt would continue to gnaw at me. Even if I could afford to make the minimum payments and do not borrow anymore, with interest of 25% APR, I will still owe a lot of money after many years of making only minimum payments. The interest alone would total close to $100,000. It took a year of trial and error, hours on the phone and writing meaningless letters most of which I copied from the internet before I saw the light at the end of the tunnel. None of the free advice and letters in the internet worked because the truth is I was not insolvent. I did not qualify for bankruptcy protection. I could have paid my credit card debt by liquidating my assets, selling my house, but that would have been devastating for my family. I kept on thinking of a way for my creditors to reduce my debt. I finally came up with The Letter that uniformly worked in negotiating down my debt. After mailing The Letter to my creditors, I received a reply from one of them offering to accept 50% of what I owed as full payment of my debt. I countered with 5%. We finally agreed on 10% of the original amount as full and final settlement of my balance. Considering I had not paid them for a year, I accumulated a little cash, so I was happy to grab the offer and pay the 10%. I had five credit cards with large balances and The Letter worked satisfactorily on four of the accounts. I settled the 4 accounts for between 5% and 15%. The last hold-out, surprisingly the account with the smallest balance at $13,000 chose to take me to arbitration. This negotiation-resistant creditor perceived that they might collect more money from me that way but they were wrong. I was surprised that not one of the 4 creditors even referred to the contents of The Letter or attempted to verify what I had written in the letter. The Letter aims to convey this message: "Take my final settlement offer or sue me. But if you sue me, you will lose". Ken Clark, author of The Complete Idiot's Guide to Getting Out of Debt: "So many people are trying to get their balances reduced, you call and try to negotiate a balance, and it's 'Get in line.'" The card company's attitude may be, "Yeah, you and everybody else"". My Comment - That's because you called to negotiate instead of sending them The Letter shown at the end of this chapter. Trust me there aren't that many accounts in default as a percentage of the whole or our banking system would collapse. If you write The Letter shown at the end of this chapter, the creditor will put you at the front of the line.Brian Tawney, Director of Clear One Advantage: "Based on experience negotiating with creditors, debt settlement companies know what percentage of debt owed each creditor is likely to agree to. We use an algorithm that considers 140 different variables and tells us the accounts that have the highest opportunity to settle at any given time. We negotiate in bulk. We can negotiate thousands of cases and get a better settlement for everyone". Translation: Debt Settlement Agencies take only the easy cases that's why they "negotiate in bulk". If they have to spend more time on your case because you have wages a creditor can garnish and assets they can put a lien on, they will not take your case. I like my system better. You write The Letter shown at the end of this chapter which begs creditors to forgive 85% to 95% of your debt. The creditors can take it or leave it. If they take it, you win. If they leave it, they lose. Author's website: www.didosphere.com

The definitive career guide for grad students, adjuncts, post-docs and anyone else eager to get tenure or turn their Ph.D. into their ideal job Each year tens of thousands of students will, after years of hard work and enormous amounts of money, earn their Ph.D. And each year only a small percentage of them will land a job that justifies and rewards their investment. For every comfortably tenured professor or well-paid former academic, there are countless underpaid and overworked adjuncts, and many more who simply give up in frustration. Those who do make it share an important asset that separates them from the pack: they have a plan. They understand exactly what they need to do to set themselves up for success. They know what really moves the needle in academic job searches, how to avoid the all-too-common mistakes that sink so many of their peers, and how to decide when to point their Ph.D. toward other, non-academic options. Karen Kelsky has made it her mission to help readers join the select few who get the most out of their Ph.D. As a former tenured professor and department head who oversaw numerous academic job searches, she knows from experience exactly what gets an academic applicant a job. And as the creator of the popular and widely respected advice site The Professor is In, she has helped countless Ph.D.’s turn themselves into stronger applicants and land their dream careers. Now, for the first time ever, Karen has poured all her best advice into a single handy guide that addresses the most important issues facing any Ph.D., including: -When, where, and what to publish -Writing a foolproof grant application -Cultivating references and crafting the perfect CV -Acing the job talk and campus interview -Avoiding the adjunct trap -Making the leap to nonacademic work, when the time is right The Professor Is In addresses all of these issues, and many more.

An analysis of Sub-Saharan Africa's debt negotiations in the 1980s. It provides a framework for assessing the major types of debt negotiation, showing that faulty procedure made agreements vulnerable to failure, so that nobody was winning.

Did you know that you could talk yourself out of debt? Yes, really you could talk your way out of debt. Does this sound just too good to be true - that you could just talk your creditors into helping you? The solution is called debt negotiation, debt settlement, or debt arbitration. But whichever you call it, it's basically the same thing. It's where you contact your creditors and talk them into helping you get out of debt. The author shares his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn't, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.: ) In this book, you will discover proven negotiation strategies, and build your confidence while learning how to: (1) get annual fees waived; (2) lower your current interest rates; (3) shop for the best credit card deals; (4) get late-payment, over-limit, and cash-advance fees waived; (5) compare loan options and calculate savings; (6) dispute charges and get all your refunds; (7) negotiate account settlements; and much more!