Credit Hell

Each year, millions of Americans sink further into debt and the sad truth is that most Americans have been conditioned to believe that debt is a normal part of life. If credit problems are adversely affecting your life, there are ways to improve your financial situation, and Credit Hell: How to Dig Out of Debt can show you how. Written by Howard S. Dvorkin--a nationally known expert in the debt counseling field--Credit Hell walks you through the "getting-out-of-debt" process from assessing the state of your finances and developing a budget, to negotiating with your creditors, consolidating your debts, and rebuilding your finances after your money troubles are over. Filled with in-depth insights and practical advice, this user-friendly guide: Shows you how to deal with important debts like your mortgage, car loans, and taxes owed to the IRS Discusses why having a good credit history and a high credit score is important; how to order your credit report from each of the three national credit reporting agencies; and what you can do to improve your score and correct problems in your credit records Educates you about important laws that can protect you when applying for credit, using credit, or if a debt collector is hounding you Explains when filing for bankruptcy is your best option and provides you with an overview of the process If you want to dig yourself out of debt and stay out of debt in the future, pick up Credit Hell and discover the best way to regain control of your financial life.

Erin Skye Kelly wrote Get the Hell Out of Debt after her own struggle to become consumer-debt free. She was tired of listening to middle-aged men in suits tell her to consolidate and refinance her debt when all that seemed to happen was she’d end up in more of it while they profited from it. When Kelly figured out the two most important tools to money management—and started achieving massive results—other women wanted to join in on the debt-free journey. With her sense of humor and straight-shooting sensibilities, Erin began transforming lives. This book is not only a step-by-step process that will walk you through how to pay off your debt—it’s a deeply personal journey centered around changing your mindset. As you master each of the three phases through repetition, you will create your own financial freedom, allowing you to live debt-free forever and create wealth and abundance that will positively impact your life—and the people you love and serve. No matter how much consumer debt you carry, this book is a judgment-free zone from cover-to-cover. Your dreams are welcome here.

What the loans and defaults of a sixteenth-century Spanish king can tell us about sovereign debt today Why do lenders time and again loan money to sovereign borrowers who promptly go bankrupt? When can this type of lending work? As the United States and many European nations struggle with mountains of debt, historical precedents can offer valuable insights. Lending to the Borrower from Hell looks at one famous case—the debts and defaults of Philip II of Spain. Ruling over one of the largest and most powerful empires in history, King Philip defaulted four times. Yet he never lost access to capital markets and could borrow again within a year or two of each default. Exploring the shrewd reasoning of the lenders who continued to offer money, Mauricio Drelichman and Hans-Joachim Voth analyze the lessons from this important historical example. Using detailed new evidence collected from sixteenth-century archives, Drelichman and Voth examine the incentives and returns of lenders. They provide powerful evidence that in the right situations, lenders not only survive despite defaults—they thrive. Drelichman and Voth also demonstrate that debt markets cope well, despite massive fluctuations in expenditure and revenue, when lending functions like insurance. The authors unearth unique sixteenth-century loan contracts that offered highly effective risk sharing between the king and his lenders, with payment obligations reduced in bad times. A fascinating story of finance and empire, Lending to the Borrower from Hell offers an intelligent model for keeping economies safe in times of sovereign debt crises and defaults.

As the former president of the National Consumer Council, Warren has helped thousands of families find relief from crippling debt. Drop Debt is a continuation of his work, aimed at rescuing the millions of potential readers who are teetering on the edge of bankruptcy. This no-holds-barred examination of the American debt crisis reveals the inner workings of the personal debt industry, while presenting lessons and action plans for readers who want to reclaim a debt-free life. Readers will find relief in understanding that they are not alone in struggling with their financial problems.With powerful first-person testimonies, well-researched background material, and a conversational yet authoritative tone, the book provides readers with the confidence and the skills they need to overcome the shame of debt, take control of their finances, and live a comfortable life well in the black.

Jones educates the reader - in an easy-to-read and concise manner - the perils of personal finance and life skills mismanagement from his own experience. He explains the importance of building and maintaining good credit and provides clear guidelines to dramatically enhance individual credit performance.

Forever in Your Debt presents the facts, resources and personal stories that are key to 'Escaping Credit Card Hell'. The nation's top expert in Responsible Debt Relief provides all the help you need.

A wrenching and layered debut novel about a gay teen’s coming-of-age in the aftermath of his father’s suicide Colin’s family is dissolving in the aftermath of his father’s suicide. While his mother, Diane, retreats into therapy and cynicism, Colin clings to every shred of normal life. Awash with guilt, he casts about for someone to confide in: first his estranged grandfather, then a predatory science teacher. Shunned by his siblings and rejected by his homophobic best friend, Colin immerses himself in the notebooks his father left behind. Full of strange facts, lists, and historical anecdotes that neither Colin nor Diane can understand, the notebooks infect their worldview until they can no longer tell what’s real and what’s imagined. A novel of aching intensity, Some Hell shows how unspeakable tragedy shapes a life, and how imagination saves us from ourselves.

DIVBill Wiese's answers questions from hundreds of people who have read his bestselling 23 Minutes in Hell or have heard the author speak on his glimpse of hell./div

The hilarious New York Times bestseller “sharply observes the lives of globe-trotting, overindulging investment bankers” (Entertainment Weekly). “Some chick asked me what I would do with 10 million bucks. I told her I’d wonder where the rest of my money went.” —@GSElevator For three years, the notorious @GSElevator Twitter feed offered a hilarious, shamelessly voyeuristic look into the real world of international finance. Hundreds of thousands followed the account, Goldman Sachs launched an internal investigation, and when the true identity of the man behind it all was revealed, it created a national media sensation—but that’s only part of the story. Where @GSElevator captured the essence of the banking elite with curated jokes and submissions overheard by readers, Straight to Hell adds John LeFevre’s own story—an unapologetic and darkly funny account of a career as a globe-conquering investment banker spanning New York, London, and Hong Kong. Straight to Hell pulls back the curtain on a world that is both hated and envied, taking readers from the trading floors and roadshows to private planes and after-hours overindulgence. Full of shocking lawlessness, boyish antics, and win-at-all-costs schemes, this is the definitive take on the deviant, dysfunctional, and absolutely excessive world of finance. “Shocking and sordid—and so much fun.” —Daily News (New York) “LeFevre’s workplace anecdotes include tales of nastiness, sabotage, favoritism, sexism, racism, expense-account padding, and legally questionable collusion.” —The New Yorker

***2021 NATIONAL BOOK AWARD WINNER*** ***THE NATIONAL BESTSELLER*** Winner of the 2021 Sir Walter Raleigh Award for Fiction, Joyce Carol Oates Literary Prize Finalist, 2022 Chautauqua Prize Finalist, Willie Morris Award for Southern Writing Shortlist, 2021 Aspen Words Literary Prize Shortlist, 2022 Maya Angelou Book Award Shortlist, 2022 Carnegie Medal Longlist A Read With Jenna Today Show Book Club Pick! An Ebony Magazine Publishing Book Club Pick! One of Washington Post's 50 Notable Works of Fiction | One of Philadelphia Inquirer's Best Books of 2021 | One of Shelf Awareness's Top Ten Fiction Titles of the Year | One of TIME Magazine’s 100 Must-Read Books | One of NPR.org's "Books We Love" | EW’s "Guide to the Biggest and Buzziest Books of 2021" | One of the New York Public Library's Best Books for Adults | San Diego Union Tribune—My Favorite Things from 2021 | Writer's Bone's Best Books of 2021 | Atlanta Journal Constitution—Top 10 Southern Books of the Year | One of the Guardian's (UK) Best Ten 21st Century Comic Novels | One of Entertainment Weekly's 15 Books You Need to Read This June | On Entertainment Weekly's "Must List" | One of the New York Post's Best Summer Reading books | One of GMA's 27 Books for June | One of USA Today's 5 Books Not to Miss | One of Fortune's 21 Most Anticipated Books Coming Out in the Second Half of 2021 | One of The Root's PageTurners: It’s Getting Hot in Here | One of Real Simple's Best New Books to Read in 2021 An astounding work of fiction from New York Times bestselling author Jason Mott, always deeply honest, at times electrically funny, that goes to the heart of racism, police violence, and the hidden costs exacted upon Black Americans and America as a whole In Jason Mott’s Hell of a Book, a Black author sets out on a cross-country publicity tour to promote his bestselling novel. That storyline drives Hell of a Book and is the scaffolding of something much larger and more urgent: Mott’s novel also tells the story of Soot, a young Black boy living in a rural town in the recent past, and The Kid, a possibly imaginary child who appears to the author on his tour. As these characters’ stories build and converge, they astonish. For while this heartbreaking and magical book entertains and is at once about family, love of parents and children, art and money, it’s also about the nation’s reckoning with a tragic police shooting playing over and over again on the news. And with what it can mean to be Black in America. Who has been killed? Who is The Kid? Will the author finish his book tour, and what kind of world will he leave behind? Unforgettably told, with characters who burn into your mind and an electrifying plot ideal for book club discussion, Hell of a Book is the novel Mott has been writing in his head for the last ten years. And in its final twists, it truly becomes its title.