Self Help Legal Kits Library.

HOW TO AVOID
AND SOLVE DEBT & FINANCIAL PROBLEMS
Eliminate Debt Without Borrowing Or Bankruptcy

Sammy Sorrell
Author and Financial Consultant

LET THIS MAN SHOW YOU THE WAY OUT OF DEBT WITHOUT SPENDING MORE MONEY TO GET OUT OF DEBT!

For 20 plus years Sammy Sorrell has been a Financial Consultant, Mortgage Lender, Author Of Dozens Financial Books, Businessman, Legal Services Consultant and National Director For Legal Reform Group. He has made every type of loan from $1000 into the millions. He has seen every type of borrower and debtor profile from the highest fico score to a credit profile that looked like a national war debt. He has consulted with debtors going into bankruptcy and with debtors in bankruptcy trying to get out and studied the results. In fact he has written a book titled; "Bankruptcy, Before, During and After". From all of this experience with hundreds or thousands of debtors he determined that getting into heavy debt and getting out is like finding our way out of a jungle. There are a lot of paths leading out and most of them are the wrong ones. All of that experience is now published in E-book format and directed to the millions of persons looking for the right way out of debt. The book tells about ways to eliminate debt without cost, borrowing or bankruptcy that most people have never even thought of. And there is a detailed message about how to avoid debt and financial problems that result from debt and unexpected adversities. Study this web site and read some of the information you will find in the E-book "How To Avoid and Solve Financial Problems." Hundreds of readers have called this the "debtors bible." Financial consultants have used the book as their guide for financial consulting.

REQUEST A FREE SELF QUIZ ON DEBT & FINANCE CLICK HERE

GETTING OUT OF DEBT CAN BE AN EXPENSIVE PROCESS!
FINANCIAL CONSULTING
CREDIT COUNSELING
BORROWING MORE MONEY
BANKRUPTCY

IT DOES NOT HAVE TO BE THAT WAY !

DEBT IS LIKE AN ILLNESS

Few things in this life can be as upsetting and annoying as financial problems. Our financial well being appears at times to be linked directly to our physical and mental well being especially when our financial well being is threatened. It would be difficult to separate the two.

In many ways financial burdens are similar to an illness. We can become possessed by debts and each one becomes a pain. Collectively they become mentally consuming. Debt, just like an illness often places us into a position where we are not fully productive until we get rid of the malady.

SEARCHING FOR THE BEST WAY TO GET OUT OF DEBT?
YOU HAVE FOUND THE WAY!

CONSUMER DEBT IS A NATIONAL PROBLEM

Our entire free enterprise system revolves around money. Kids grow into adulthood with no formal education on the subject of money. As the free enterprise system becomes more competitive, as credit cards replace checkbooks, our democratic society becomes more litigious, health care costs rise beyond the reach of the masses, more families are torn by divorce, more industries become obsolete in a high tech society, and certainly as millions of citizens persist in the habitual use of drugs and alcohol, financial problems will carry the day. Solving these problems have become a national priority! You may not think there is a solution to your financial problem-but take heart! After a lifetime of solving financial problems as a professional...there is a solution to every financial problem...it may not be the solution you are looking for but there is a solution.
Over $600 billion in consumer debt has created a whole new profession of "financial doctors". Just as in other professions...some are quacks!

HEAVY DEBT NEEDS PROFESSIONAL SOLUTIONS

The solutions you will get on this site are the solutions by a professional with twenty plus years in the financial services business. Millions of people struggling with debt turn to solutions that only get them further in debt. There are several ways to eliminate debt without bankruptcy and borrowing but those solutions must be born out of dependable and reliable information by professionals in solving financial problems.

BORROWING YOUR WAY OUT OF DEBT IF OFTEN THE WRONG WAY OUT!

CREDIT BUREAU PROFILES

The fact is, out of the some twenty two hundred credit bureaus in the USA, about sixty five per cent of the consumer files in those credit bureaus reflect financial problems that fail to meet the guidelines of what society has set as an "excellent credit risk". Certainly it is important from an educational standpoint to know and remember how we acquired a heavy debt or other financial problem. But this education is totally secondary to solving the problem and ridding ourselves of the financial burden that is keeping us from being a fully productive human being.

IDENTIFYING FINANCIAL PROBLEMS

Financial problems come wrapped in many different packages. Problems range from the common, mundane to complete financial calamity. More than ever before the risk of financial calamity today is very real. Documenting that risk was the number who visited the bankruptcy courts in the USA in 1997-a record high for several years in a row and climbing.

Who is a candidate for financial problems? Is it the low income individual? Is it the underprivileged? Is it the rich and famous? Is it certain professions? Is it certain ethnic groups? One only needs to study the profile of endless petitioners for bankruptcy to come to a definite conclusion. Almost anyone who creates a debt by design and some who do not create debt by design is a candidate. A wage-earner, a professional, a business operator, an entrepreneur or any one else who has the capacity or inclination to enter into debt is a candidate.

YOU DO NOT HAVE TO FILE BANKRUPTCY TO GET OUT OF DEBT
WE WILL SHOW YOU HOW!

HIGH DIVORCE RATE FROM FINANCIAL PROBLEMS

America has the highest divorce rate in the world. Much of that divorce rate has resulted from the stress caused by debt and financial problems that could have been avoided and even solved easily. In order to maintain our well being and peace of mind our lives must have financial goals and that must include a financial plan. Life is full of unexpected adversities and our financial plan must include those unexpected adversities.
Even when we are struggling to make ends meet there is still room for an ongoing financial plan. The main fallout from debt is a clouded mind, frustration, anger and loss of logic.

ONE SECRET IS TO RAISE YOUR INCOME OR LOWER YOUR DEBT! THERE ARE WAYS TO DO BOTH EASILY YOU MAY NEVER THOUGHT OF!

DEBT MANAGEMENT IS A MUST

Debt management is a must if we are to have financial goals. If we have no financial goals then our financial well being will always be at risk and probably resemble crisis management. With no debt management program in place we are a future prime candidate for the bankruptcy court. Debt management is a simple 3 step process which includes (1) knowing where we are starting financially (2) knowing what we are now doing financially and (3) knowing where we are going financially. Of course there must be a plan with guidelines put into place which includes a budget and safe debt ratios to follow. Our guide gives you a step by step process. Normally the one main ingredient missing in debt management is self discipline! We succumb to our desires rather than build a spending habit around our needs.

THE BEST WAY TO KEEP UP WITH THE JONES' STAY RIGHT WHERE YOU ARE AND YOU WILL MEET THEM COMING BACK!

MANAGE YOUR WAY OUT OF DEBT YOURSELF

In our book "How To Avoid and Solve Financial Problems" you get all the tools needed to manage your way out of any debt or financial problem yourself. No need to file bankruptcy or pay hundreds of dollars to consultants or counselors to show you how to get out of debt.

LEARN ABOUT THE THINGS YOU NEED TO AVOID;

            The Desperation Merchants
            Loans By Mail
            Credit Cards Guaranteed
            Gold Cards
            Debt Consolidation Deals
            Credit Repair Merchants
            Front Fee Artists
            Bankruptcy Factories

LEARN ABOUT THE TOOLS YOU HAVE TO WORK WITH;

            Your Friend The Credit Bureau
            How The Credit Bureau Works
            Your Credit File
            Your Creditors
            Derogatory File Information
            Your Rights as A Consumer
            Operating On a budget
            Safe Operating Debt Ratios
            Paying Yourself first
            Making Your Savings Work For You
            Insuring Against Risk
            Your Economic Forecast And Review
            Early Detection Of Financial Problems
            Identifying The Need Or Problem
            Inventorying Your Resources
            Solutions And Alternatives
            Choosing The Right Solution
            Commitment To Solutions
            Home Business For A Second Income
            Solutions To Raise Income Or Lower Debt
            Getting Help When You Need It and Where
            Personal Management Principles
            Money Management Tools
            Preparing For Change

$49.95

ORDER HERE

SEE FREE BONUS BELOW

INCLUDES PROBLEM SOLVING FOR SMALL BUSINESS OWNERS;

            Capitalizing Your Business
            Monthly Operating Budget
            Develop A Business Plan And Follow It
            Controlling Factors In Business Management
            Why Businesses Fail
            Financial Risk And Decision Making
            Recognizing The Danger Signals
            A Simple Problem Solving Formula

FREE BONUS!
Millions of debtors start thinking about getting our of debt by filing bankruptcy. Very few know anything about bankruptcy. If we tried to define the bankruptcy act in legal terms according to the written word we would have to spend weeks at the law library just reading through the volumes outlining the provisions and case law pertaining to the bankruptcy act. The bankruptcy act, the bankruptcy courts, the judges, the attorneys, the trustees, the referees are in a world all to themselves. There are many attorneys who will not touch a bankruptcy case because the field is so specialized. Yet the act is simple and many individuals and consumers handle their own cases pro-se without the assistance of an attorney. Author Sammy Sorrell has published a great consumer E-book for easy understanding of every facet of the bankruptcy procedure titled; "Bankruptcy, Before, During and After." Some of the facts you will learn in this E-book are;

ACTIONS TO AVOID BANKRUPTCY
IS BANKRUPTCY FOR YOU
FINANCIAL RISKS AND DECISION MAKING
RECOGNIZING THE WARNING SIGNALS
CHANGING YOUR FINANCIAL COURSE
FILING THE BANKRUPTCY PETITION
CHAPTER 13, THE WAGE EARNERS PLAN
CHAPTER 13, THE WAGE EARNERS PLAN
CHAPTER 11, BUSINESS REORGANIZATION PLAN
CHAPTER 12, FARMERS REORGANIZATION PLAN
CHAPTER 7, TOTAL LIQUIDATION PLAN
INVOLUNTARY BANKRUPTCY PETITION
THE BANKRUPTCY PROCEDURE
DEBTS NOT DISCHARGED IN BANKRUPTCY
ASSETS EXEMPT IN BANKRUPTCY
WHAT TO WATCH OUT FOR IN BANKRUPTCY
FILING YOUR OWN BANKRUPTCY & HOW
HIRING A LAWYER IF YOU NEED ONE
BANKRUPTCY FORMS AND WHERE TO GET THEM
DO IT YOURSELF BANKRUPTCY SAVE LEGAL FEES (CLICK HERE)
THE BANKRUPTCY FALL OUT
THE SOCIAL STIGMA OF BANKRUPTCY
BANKRUPT-YOU DON'T HAVE TO BE THE VICTIM
RE-ESTABLISHING YOUR CREDIT RATING
LEARNING FROM THE BANKRUPTCY EXPERIENCE

YOUR FREE BONUS
A HUGE VALUE

ORDER TODAY!
Your Choice

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DON'T SPEND ANOTHER NIGHT WORRYING ABOUT HOW TO GET OUT OF DEBT