Download or read book Rich's Common Sense Guide to Erasing Debt and Building Wealth in Tough Times written by Rich Fonfrias and published by Createspace Independent Pub. This book was released on 2013-04-16 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bankruptcy Lawyer Rich Fonfrias has helped thousands of people erase millions of dollars of debt using the powerful methods he explains in this book. As a lawyer, Rich fights for his clients both in and out of court. He protects them with bankruptcy when that's the best strategy. And he relies on bankruptcy alternatives when they benefit his clients.In this common sense guide, Rich's experience as a lawyer helps you understand foreclosure, home equity loans, credit scores, bankruptcy, bankruptcy alternatives, and how to build a strong financial future.You'll learn Rich's 14 smart steps to solve your money problems -- restore your peace of mind -- and build a secure financial future -- so you enjoy life and never become a burden to your children. You'll discover…• How bankruptcy protects you from your lender during foreclosure• How you can erase mountains of debt• When banks can pursue you even after a foreclosure• 20 costly mistakes to avoid when thinking about filing for bankruptcy• 11 smart ways to deal with a collection agency's calls• 7 costly misconceptions about credit repair• How to raise your credit score after a bankruptcy• 4 tactics to STOP! debt collectors now• 6 steps to cut your credit card interest rates• 11 myths about bankruptcy• 8 eye-opening secrets that reduce the pain of bankruptcy• Why your home equity loan may no longer be secured• How to solve money problems• 7 steps to a financially responsible budget• 17 ways to cut your expenses• 7 shocking (and costly!) facts about consumer credit counseling• How and when to modify your loan -- and when not to• How to stop wage garnishments• How to keep a large amount of your assets