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(September,
2004)
The Real
Economic Facts:
-
More than 1.6
million people filed personal bankruptcy in the U.S. in the
year 2003 (U.S. Bankruptcy Court Table F-2), and
many, if not most, did not have to!
-
The average
American family with annual household income of less than
$40,000 has credit card debt of more than 10% of their
earnings (Gallup Poll, 2004).
-
Jobs lost
in the U.S. in the last four years hovers at 2.7 million
and unemployed persons in the U.S. is 8.0 million
(Bureau of Labor Statistics, 9/03/04).
 The
effects of these economic conditions include increased stress,
faltering relationships, and sleepless nights for millions
of Americans! But they do not have to be! You can
deal with overburdening debt, reverse the effects of
insolvency and regain financial health (even if you're on the
brink of financial ruin) without filing bankruptcy and
without committing financial suicide.
HOW TO SETTLE YOUR
DEBTS
(Southern Mountains Press; 2004) by Norman H.
Perlmutter, CPA is the book that everyone needs to prevent
personal economic meltdown. Perlmutter explains in
specific, step-by-step terms, how to climb out of the hole
you’re in and get your financial life under control without
causing irreparable damage in the process. He gives the reader
sound solutions to repair financial chaos and he exposes the
tactics of the conniving moneylenders, their debt collector
enforcers and all the scam artists who are out there waiting
to rip you off.
Norman Perlmutter
is a former Debt Collection Agency owner, and now a practicing
Certified Public Accountant and Financial Advisor, who has
been on both sides of the coin. He knows how to deal with the
people who bombard you with threatening letters and calls and
who can ruin your credit and your reputation. And more
importantly, with this book he will teach you how to take
control of your financial life and get out of the mess you're
in.
This book is for
people and businesses that need to deal with their debt that
grows deeper by the day and whose lives are being adversely
affected by it.
HOW TO SETTLE YOUR
DEBTS
is
the essential, up-to-date, comprehensive and gutsy survival
guide to meet this ever growing serious problem of financial
ruin that faces so many of us.
Here’s a
summary of the book and how readers will benefit from it:
Learn The
Basics
– what you're up against, who the predators are, how to
recognize and avoid their debt traps, the fundamentals of
debt, the risks you take when you don't pay, and what they can
and cannot do to collect.
Understand
Your Problem
– the steps you must take to expose, examine and evaluate your
dilemma, how it's affecting your life and the options that you
have to deal with it.
Know Your Enemy
– the psyche of creditors and bill collectors, what motivates
them, what their weaknesses are, and how they are vulnerable
to attack.
Keep The Wolves At Bay
– how to create doubt as to
validity and collectibility, how to use “Dirty Tricks" and
counter attack techniques to frustrate and discourage
collection.
Take
Advantage Of Your Rights
– all about federal and state laws that protect you from
abuse, how to use them to your advantage and how to punish
collectors who violate them.
Negotiate A
Debt Settlement Plan
– how to use built in leverage to negotiate advantageous
arrangements with creditors to workout and settle your debts.
Protect
Yourself And Your Credit
– rules to protect
assets, privacy and to safeguard credit, and where necessary,
how to repair credit and rebuild it.
Dealing With
Lawyers
– negotiate settlements with attorneys, contest lawsuits and
protect your assets from judgment levies.
Settle Secured Debt And Tax
Obligations
– how to recognize and seize upon opportunities to settle or
otherwise favorably resolve secured debts and tax obligations.
Settle
Business Debts
– differences that must be considered when negotiating
workouts and settlements for business debts.
Getting Help
– where to go for assistance if you need it and how to watch
out for all the scam artists who are out there waiting to take
advantage of you.
A Reference
Manual As Well As A Guide
– its outline format and comprehensive index make the book
readily usable as a reference manual to easily obtain
information on any of the many subjects covered relating to
debt relief.
There are
solutions to reverse the calamity of overwhelming debt. HOW
TO SETTLE YOUR DEBTS ~ Without Committing Financial Suicide
is a unique, total manual written to help people and
businesses reverse the catastrophe of debt and insolvency
without having to go through the self-defeating demeaning
ordeal of filing bankruptcy.
About The
Author
- Norman Perlmutter practices as a CPA focusing his services
on assisting individuals and businesses with Debt Management,
Financial Rehabilitation Credit Repair and IRS Problem
Resolution. Previously, he ran a collection agency for 18
years, presented seminars and workshops on credit and
collection subjects and has been consulted by major companies
regarding debt collection and credit matters.
He is a member of
the American Institute of CPA’s and the New Jersey State
Society of CPAs and he is on the Board of Directors of two
public companies. He is available for consultation and for
workshops and seminars on Debt Management, Financial
Rehabilitation, Credit Sales Strategies, Debt Collection,
Credit Repair, Fair Debt Collection Practices Act (FDCPA) and
Fair Credit Reporting Act (FCRA) compliance.
You can
contact Norman Perlmutter:
By mail at PO Box 152 Marlboro, NJ 07746
By telephone at (732) 780-9000
By e-mail at
nhpcpa@earthlink.net
HOW TO
SETTLE YOUR DEBTS ~ Without Committing Financial Suicide
by Norman Perlmutter, CPA is
published by Southern Mountains Press (304 pp. $17.95, ISBN #
0-9723963-2-2), is available on Amazon.com, through Southern
Mountain Press
http://www.southernmountainspress.com
and at
http://www.HowToSettleYourDebts.com
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