Solve your money troubles
Book - 2005
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- Genres
- Law for laypersons
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-
Berkeley, Calif. :
Nolo
[2005-]
- Language
- English
- Item Description
- Subtitle varies.
- Physical Description
- volumes : illustrations ; 23-28 cm
- Publication Frequency
- Biennial.
- ISBN
- 9781413330892
- ISSN
- 21630348
- Your Legal Companion to Solving Your Money Troubles
- 1. How Much Do You Owe?
- How Much Do You Earn?
- How Much Do You Owe?
- 2. Create a Budget and Control Spending
- Figure Out Where Your Money Goes
- Make a Spending Plan
- Create Good Spending Habits and Avoid Financial Pitfalls
- 3. Prioritizing Your Debts
- Secured and Unsecured Debts
- High-Priority Debts
- Medium-Priority Debts
- Low-Priority Debts
- Review Your Worksheets
- 4. Finding Money to Pay Your Debts
- Reduce Your Expenses
- Increase Your Income
- Get Some of Your Tax Refund Early
- Get Your Tax Refund Fast
- Sell a Major Asset
- Sell Smaller Items
- Withdraw Money From a Tax-Deferred Account
- Apply for Government and Agency Help
- Consider a Home Equity Loan
- Use the Equity in Your Home If You Are 62 or Older
- Borrow the Money
- What to Avoid When You Need Money
- 5. Negotiating With Your Creditors
- Prepare a Negotiating Plan
- Communicate With Your Creditors
- Tips for Negotiating With Creditors
- Rent Payments
- Mortgage Payments
- Utility and Phone Bills
- Car Payments
- Secured Loan Payments
- Insurance Payments
- Medical, Legal, and Other Service Bills
- Child Support and Alimony Payments
- Income Taxes
- Student Loan Payments
- Credit Card Payments
- Negotiating When the Creditor Has a Judgment Against You
- Pay Off a Debt for Less Than the Full Amount
- Don't Write Postdated Checks
- Beware of the IRS If You Settle a Debt
- 6. What to Expect When You Can't Pay Your Debts
- Eviction
- Repossession
- Tying Up Property Before a Lawsuit
- Lawsuits
- Seizing Other Assets
- Liens on Your Property
- Jail
- Bank Setoff
- Intercepting Your Tax Refund
- Loss of Insurance Coverage
- Loss of Utility Service
- 7. Reducing Mortgage Payments and Dealing With Foreclosure
- Foreclosure
- Nonjudicial Foreclosure
- Judicial Foreclosures
- Right to Cure Default
- Right of Redemption
- The Sale
- Defenses to Foreclosure
- Watch Out for Deficiency Balances
- Alternatives to Foreclosure
- Federal Programs for Homeowners Facing Possible Foreclosure
- Other Loss Mitigation Options
- Refinancing
- Selling Your House
- Short Sales and Deeds in Lieu of Foreclosure
- Finding Other Programs to Help Homeowners
- 8. Dealing With Debt Collectors
- Creditor or Debt Collector?
- Negotiating Secured Debts
- Before Your Debt Is Sent to a Debt Collector
- When Your Debt Is Sent to a Debt Collector
- Illegal Debt Collection Practices
- How to Fight Back If a Debt Collector Violates the Law
- 9. Understanding Loan and Other Credit Documents
- Credit Disclosures
- Common Terms in Credit Agreements
- 10. Student Loans
- What Kind of Loan Do You Have?
- Figuring Out Who Holds or Services Your Student Loan
- Canceling Your Loan
- Postponing Payments
- Changing Your Repayment Plan
- Getting Out of Default
- Filing for Bankruptcy When You Can't Pay
- Consequences of Ignoring Student Loan Debt
- Private Student Loans
- 11. Lawsuits and Collection of Judgments
- How a Lawsuit Begins
- Negotiate a Deal
- Alternative Dispute Resolution
- Defenses and Claims
- What to Expect While the Case Is in Court
- When the Creditor Gets a Judgment Against You
- How Creditors Collect Judgments
- How to Stop Judgment Collection Efforts
- 12. Bankruptcy: The Ultimate Weapon
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- The Automatic Stay
- Bankruptcy Exemptions
- Will Bankruptcy Solve Your Debt Problems?
- Getting Help With Bankruptcy
- 13. Property Creditors Can't Take
- Property Subject to Collection
- Types of Exemptions
- Is Your Property Exempt?
- Claiming Exemptions
- 14. Rebuilding Your Credit
- Credit Scores and Credit Reports: What's the Difference?
- Credit Reports
- Cleaning Up Your Credit Reports
- Your Credit Scores
- Rebuilding Credit Without Getting New Credit
- Rebuilding Credit by Getting New Credit
- Don't Use a Credit Repair Organization
- 15. Choosing and Managing Credit Cards
- Avoiding Credit Card Traps
- Consumer Credit Card Rights
- Use Credit Card Disclosure Forms to identify Traps
- Trouble Paying Your Bill
- Should You Get Rid of Unnecessary Credit Cards?
- How to Close a Credit Card Account
- Shopping for a New Card
- Using Credit Cards Wisely
- Cards You Didn't Request
- Rejected and Blocked Cards
- Liability If Your Credit Card Is Lost or Stolen
- Unauthorized Use of Your Card by an Acquaintance
- To Dispute a Credit Card Bill
- Debit Cards
- Prepaid Cards
- 16. Help Beyond This Book
- Looking Up the Law
- Lawyers
- Debt and Credit Counseling Agencies
- Glossary
- Appendixes
- A. Where to Complain
- B. Contact Information for Useful Agencies, Organizations, and Other Entities
- C. Worksheets Available on the Nolo Website
- Index