The Debt Forgiveness Book: How to Negotiate with Creditors, Especially Credit Card Companies & the IRS

The author, Brian Lacher, explains how to negotiate with creditors. I was deep in debt with over $150,000 unsecured credit card debt, plus back taxes due. I lost 75% of my income. I couldn't keep paying the creditors, keep food on the table for a family of nine and keep a roof over our head. I didn't want to file bankruptcy, although it was suggested by a lawyer. So I tried to negotiate with every creditor. This book explains the "How To" in negotiating. It explains what to do and what not to do. I was able to negotiate for pennies on the dollar. Two of the many examples: Credit Card Company A - Debt of $18,187.44 Settled for $3,700, also Credit Card Company B - Debt of $16,608.79 Settled for $2,000. This book will also show you true and false settlement letters. Don't be fooled by false settlement letters. You will want to have this reference book by your side before you start negotiating. This book could save you thousands of dollars. It will also give you hope in the midst of the financial struggle