Get your budget in the black-and keep it there! If you're overwhelmed by debt and see no end in sight, you need expert advice and professional guidance for creating a recovery strategy. Piles of bills, calls from collection agencies, never-ending bad credit reports-it's enough to drive anyone mad. The EverythingR Get Out of Debt Book helps you resolve these debt issues and get back on the right financial track, whether you're a recent college graduate faced with paying student loans, a heavy credit card spender, a single parent, or a family with high mortgages or college tuition. The book includes the most up-to-date and accurate financial advice and arms you with a plan that you can stick to. Includes practical information on: * Obtaining and reading a credit report * Understanding the difference between credit cards and debit cards * Avoiding personal bankruptcy * Creating saving strategies that work * Tracking ATM card usage * Merging personal finances and sharing responsibilities The EverythingR Get Out of Debt Book is more than a last resort for financial disasters. From recognizing problems to negotiating with lenders, this practical book teaches you how to reduce your current debt and create a maintainable, realistic budget so you can splurge once in a while guilt-free.