Getting Out of Debt and Staying Out

About this Site

Welcome to the online version of "Getting Out of Debt and Staying Out". On this site, you can read the full text of the paper book, which the author can update with new information whenever they want. You can also check out the author's blog, interact in the forum, find useful websites in the directory, sign up for our newsletter, or download the PDF version of the ebook from the online store.

About the Author

Tony Palmer graduated in economics at Bristol University. He has held a number of senior posts in industry and the public sector and has an extensive knowledge and experience of the financial sector. His work in the community has brought him into contact with people with debt problems and their solution. He passionately believes that there is a need for more and better advice on credit and debt, and guidance on where help is necessary and available.

Chapter List

Introduction
Our Case Studies Janet And John; Gary And Sue: How Things Might Have Been Worse; Janet And John: How They Triumphed Over Adversity; Gwen The Graduate; Lesson From Our Case Studies;
Living With Credit – Not On It Borrowing Without The Bailiffs; Credit – A Pint Down The Pub Or A Dangerous Drug?; Why Are You Borrowing?; Types Of Loan; How Much Will It Cost To Borrow What You Need?; Who Are You Borrowing From?;
Buying The Dream Home: How To Get The Right Deal But First – Should You Rent Or Buy?; So You’ve Decided To Buy; Finding The Best Mortgage Deal; How Big A House And How Big A Mortgage?; What Types Of Mortgage Are There?; Any Clearer?; What Are Second Mortgages?;
Getting Credit: Dealing With Banks And Other Ruthless Predators Using The Value In Your House To Borrow More; Personal Loans; Credit Cards – Your Flexible Friends; Hire Purchase; Store Cards; ‘free Credit’ In Shops; Catalogue Credit; Other Types Of Credit; Interest Rates – Something To Think About;
Don’t Panic If It All Goes Wrong Life Events; The First Signs Of Trouble; Three Steps To Salvation; How To Create A Personal Budget;
If You Are In A Hole, Stop Digging Which Creditors Do You Pay First And Which Last?; What About Tenants Rather Than Homeowners?; Council Tax Arrears; Utility Bills; Water; Other Debts; What If Your Creditors Won’t Play Ball?;
If The Worst Comes To The Worst What Is The Procedure?; Should I, Can I, Go Bankrupt?; Where To Get Good Advice On Debt For Free; How To Live In Peace And Freedom;