Cromwell - Crush Debt Now!: A 3-step Negotiation Strategy to pay off debt and win financial freedom fast (Personal finance wizard series Book 2)

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Crush Debt Now!

3-Step Negotiation Strategy to Pay Off Debt and Win Financial Freedom Fast

Thomas Cromwell

Copyright 2020 - All rights reserved.

It is not legal to reproduce, duplicate, or transmit any part of this document in either electronic means or in printed format. Recording of this publication is strictly prohibited and any storage of this document is not allowed unless with written permission from the publisher except for the use of brief quotations in a book review.

DISCLAIMER

This book is produced as is. I make no representations as to the accuracy, completeness, suitability, or validity of anything contained therein. The information in this book represents the opinion of the author, based on experience and research, it must not be construed as specific legal or financial advice. You are solely responsible for your legal and financial decisions - please engage your own advisors. Neither the author nor publisher accepts any liability for direct, indirect, or consequential loss or damages howsoever arising from the information provided in this book.

Contents

The Personal Financial Toolkit

(Never take on your creditors without this)

Smash your goals, save time and effort on your budgets, fight debt collectors: get access to our devastatingly useful financial toolkit:

• Fight creditors and debt collectors with must-have templates
• The Loan Calculator will work out when you will be debt-free
• Track your spending with the budget planner.
• Pre-configured with critical budget categories.
• The visual goal planner will capture and motivate your drive to prosperity.

Get the must-have templates to challenge your creditors and verify your debts. Our loan calculator will allow you to vary the interest rate and payment to tell you the term on a loan.

To receive your FREE personal financial toolkit including the amazing loan calculator, must-have templates, and 7 new monster money-saving tips, visit the link:

www.personalfinancewizard.com

Introduction

Do you have excessive debts with no idea how you will pay them off?

Are you being pursued by your creditors, receiving aggressive phone calls from debt collectors, and letters demanding payment?

Are your lenders threatening you with court action and taking some of your wages?

15% of Americans said that they had been pursued by a debt collector, according to a report by the Consumer Financial Protection bureau in 2017. Only one in four of these attended the court hearing. In all the other cases, it is almost certain the collectors will have benefited from default decisions in their favor. A judgment that would allow the debt collector to receive a percentage of wages or sequester other assets.

If any of these situations apply to you, then this book has been created to provide your solutions. With this book, you will discover how you can deal effectively with these problems and crush your oppressive debts!

By reading this book, you will:

• Understand your debts; how and why they are perpetually draining your health and wealth.
• Find out if your debt is sustainable.
• Learn what to do if your creditors attempt to sequester your assets or wages.
• Understand the legal processes and how to fight or stop the process.
• Learn how to fight debt collections calls.
• Know when not to use loan consolidation and why these are frequently scam attacks.
• Master useful tips on how to negotiate with your creditors - and win!
• Be able to save money on all different types of debt including utilities, taxes, mortgages, rent, vehicle loans, student debt, credit cards, and other loans.
• Know when and how to use nuclear options of bankruptcy and insolvency.

This book has been created to help people with serious and chronic debt problems. It is not aimed at people who are a few thousand dollars in debt who want to pay down their debts and need to manage their budget better and create savings. This is the topic of our first book in the Personal Finance Wizard series Perpetually Broke: Living Beyond Your Income. Crush Debt Now is intended for debtors with unsustainable and severe financial issues, where some or all of the debt is already delinquent.

I have a wealth of practical and commercial finance experience to draw on in writing this series of books on personal finance. I experienced an upbringing that showed me the value of every penny earned or spent, but I also learned that many other people, even those earning good salaries have an uncomfortable relationship with money. I can show you how it is possible to rise, phoenix-like, from almost any situation, however desperate it may seem.

In this book, we will cover practical examples and advice to dramatically reduce the burden of your unsustainable debts, and bring back sanity to your finances. When you follow the step-by-step guide for all types of personal debts, then you can expect to save thousands or even tens of thousands (of dollars) in repayments. You can crush your outstanding debt and be completely free and be financially solvent within two years.

Using the 3-step negotiating strategy in this book is a proven approach for drastic debt reductions for people of all different backgrounds and income levels. The most successful case I have faced involved restructuring over 12 different store cards, credit cards, and loans which transformed the situation for the client, who was facing financial ruin, to clear all those debts in 3 years.

According to data from CNBC money, millennials aged 25-34 have the most debt, at an average of $42,000. Credit card balances make up the largest part, followed by student loans, and mortgages only a small part (3%). Naturally enough, this changes as we get older when mortgage debt becomes the most significant component followed by credit cards, car loans, then student debt. However, according to Kevin O'Leary, host of the ABC show Shark tank and personal finance author, age 45 is when "people should aim to have all their debt paid off". His logic is that for most people, they are halfway through their careers and working lives and so need to use the second half to accrue capital for their retirement. While I don't entirely agree with him (I still have a mortgage because it costs me less than inflation) , he does make a sound point. Therefore, while it may be difficult for you to remember that you came to drain the swamp when you are fighting off hordes of alligators, it does pay to have a goal in mind. Right now, you are probably wondering just how you are going to stay afloat.

To illustrate the key points and provide motivation, this book contains some case studies to show that you can apply the same lessons to your situation. It also offers practical worked examples, where relevant, as this often makes a point better than a thousand words. Last but not least, I have included all the actionable points in the summary for each chapter.

Accept the need to act. Your debts are growing every day, start reading before your situation spirals beyond redemption, and decisions are taken out of your hands. This book contains all information that you will need to resolve your situation and sets out clearly and concisely how to tackle each problem.

Chapter One: Moving the Debt Mountain

In this day and age, living debt-free is something that is nearly impossible to do. Most people have very limited resources and growing needs which are often very difficult to meet without taking on some kind of credit. It is common for people to take mortgages in order to purchase homes or acquire student loans to finance their higher education. Debt can therefore be a means to an end and a very practical way of financing some of our lives biggest goals. However, in recent years, the issue of debt has taken on very negative connotations and most people tend to perceive debt as a bad thing - which isnt always a fair assessment. The truth of the matter is that debt is simply a tool whose benefits and or disadvantages depend entirely on how it is used. Understanding how debt works is therefore a very important aspect of financial literacy, which can help you to become more shrewd and disciplined with your money.

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