{"product_id":"how-to-legally-settle-your-personal-credit-card-debt-for-pennies-on-the-dollar-without-filing-bankruptcy","title":"How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar: Without Filing Bankruptcy","description":"\u003cp you struggle each month to make minimum credit card payments are or even days late on several accounts if so aren alone. according a january report from the u.s. federal reserve there million cards held by consumers and average debt per household is in last months percent of american adults nearly people have been making payment missed entirely national foundation for counseling. these statistics hit home don turn bankruptcy solve your financial woes. this book will provide with tools legally settle without ruining situation years come. personal pennies dollar everyone who unable pay mounting their cards. learn everything need know about basics including interest rates finance charges fees. discover what actually happens when stop altogether how long it takes before sold collection agency. tips strategies negotiating original creditor agencies sample settlement letters can use working creditors. equip yourself proven challenging validity information determine whether rights being violated under fair practices act. find out advantages not filing work counselors avoid debt-reduction scams. successfully settled avoided repeating mistakes future setting budgets cutting costs lowering rates. accountability responsibility disclosure act which went into effect february affects as consumer. while new rules do absolve obligations they mean that companies no longer retroactively increase charge misleading fees over-limit fee traps. spent hundreds hours interviewing top experts bill collectors individuals just like were able resorting bankruptcy. tired dodging phone calls worrying ruined score get back more stable one where thing past.\u003e\u003c\/p\u003e","brand":"None","offers":[{"title":"Couverture souple","offer_id":46254952054994,"sku":"9781601383280","price":24.95,"currency_code":"CAD","in_stock":true},{"title":"Livre numérique Kobo","offer_id":46254952087762,"sku":"58b59257-11a4-3eac-af7e-cec3eaf24f2c","price":17.39,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0655\/8980\/5233\/files\/1_84df1de3-0229-4856-b435-22d024f39d6a.jpg?v=1762813466","url":"https:\/\/www.indigo.ca\/fr\/products\/how-to-legally-settle-your-personal-credit-card-debt-for-pennies-on-the-dollar-without-filing-bankruptcy","provider":"Indigo","version":"1.0","type":"link"}