Everything you need to get out of debt and repair your credit. Feeling overwhelmed by your debts? If you're ready to regain your financial freedom, this book is exactly what you need! Step by step, Solve Your Money Troubles shows you how to prioritize debts, create a budget, negotiate with creditors, stop collector harassment, challenge wage attachments, contend with repossessions, respond to creditor lawsuits, qualify for a mortgage and rebuild credit. To make the process easier, Solve Your Money Troubles also includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan. The 11th edition now covers the latest bankruptcy laws, the Fair Debt Collection Act and the new credit-scoring system used by some credit bureaus.