""Front Cover""; ""Title Page""; ""Copyright Page""; ""Dedications""; ""Contents""; ""Introduction""; ""Chapter 1: Assessing Your Situation""; ""Debt�The American Way""; ""Dealing with Debt Emergencies""; ""Get a Clear Picture of Your Finances""; ""Understanding Debt""; ""Dealing with Your Emotions""; ""Your Rights""; ""Creditor Tactics""; ""Dealing with Collection Agencies""; ""Chapter 2: Becoming a Wise Consumer ""; ""Credit Cards""; ""Shopping in Stores""; ""Rebates""; ""Dispute Resolution Programs""; ""Shopping in Catalogs or Online""; ""Chapter 3: Understanding Your Credit Report""
""Credit Reporting Agencies""""Your Credit Report""; ""Your Credit Score""; ""Reading Your Reports""; ""What Makes a Good Credit Report""; ""Chapter 4: Changing Your Credit Report""; ""Disputing Bills""; ""Dealing with a Collection Agency""; ""Correcting Your Credit Report""; ""Disputing after Reinvestigation""; ""Adding Accounts to Your Credit Report""; ""Removing Inquiries""; ""Adding a Statement to Your Credit Report""; ""Suing a Credit Agency""; ""Organizing Your Correspondence""; ""Chapter 5: Reducing Your Debt and Improving Cash Flow""; ""Prioritizing Your Debts""
""Dealing with Your Creditors""""Dealing with Specific Types of Debt""; ""Student Loans""; ""General Negotiating Tips""; ""Eliminating Debts You Do Not Owe""; ""Negotiating Settlements""; ""Finding Cash""; ""Options to Avoid""; ""Dealing with Judgments and Liens""; ""Closing Your Accounts""; ""Chapter 6: Getting Help""; ""Where to Turn""; ""Agencies that Can Assist You""; ""Other Credit Repair Agencies""; ""Government Agencies""; ""When to Get a Lawyer""; ""Bankruptcy""; ""Chapter 7: Coping with Marriage, Divorce, and Debt""; ""Your Credit Rights during Marriage""
""Divorce is not a Debt Solution""""Death of a Spouse""; ""Chapter 8: Recognizing Identity Theft""; ""Preventing Identity Theft""; ""Identity Theft Prevention Checklist""; ""Dealing with Identity Theft""; ""Looking at the Identity Theft Risk Realistically""; ""Checklist for Lost or Stolen Purse or Wallet (FTC)""; ""Chapter 9: Creating a Good Credit Record""; ""Understanding Credit Terms""; ""Obtaining New Credit""; ""Improving Current Credit""; ""How to Use Your New Credit Cards""; ""Choosing a Card""; ""Cash Advances""; ""Tracking Your Cards""; ""Obtaining Loans""; ""Bank Accounts""
""Name and Address Changes""""Negotiation with Past Creditors""; ""Scams to Avoid""; ""Reducing Unsolicited Offers for Credit""; ""Chapter 10: Budgeting""; ""Why You should have a Budget""; ""Creating a Budget""; ""Making Changes to Your Budget""; ""Getting Organized""; ""Paying Your Bills""; ""Following Your Budget""; ""Living on a Budget and Using Credit""; ""Tips fos Using Credit Responsibly""; ""Chapter 11: Facing the Future""; ""Changing Your Outlook and Mindset about Money""; ""Dealing with Changes""; ""Dealing with Self-Esteem and Compulsion Issues""; ""Educating Children about Debt""