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DEBT MONEY »

Getting Out of Debt and Staying Out

 

[ Buy this book ] L iving with debt is an inevitable part of modern life. Just about everyone has debt in one form or another: a mortgage, an outstanding credit card balance, a car financing deal or one of many other types. The easy availability of credit (or debt) is a relatively recent thing. In th... [ Read More ]

About the Author

Tony Palmer - 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.

 

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1.Introduction

2.Examples of Debt
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;

3.Borrowing Money
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?;

4.Different Mortgage Types
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?;

5.Getting Credit: How to Borrow Money
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;

6.A Credit or Debt Problem
Life Events; The First Signs Of Trouble; Three Steps To Salvation; How To Create A Personal Budget;

7.How to Pay Off Debt
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?;

8.Debt and the County Court
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;