The ultimate guide to credit and debt. Learn how to obtain, understand and correct your credit report. Find out your rights as a debtor under federal law, including information about how to stop those harassing phone calls. Learn about bankruptcy, budgeting, finding cash in your budget, reducing your debts and negotiating with your creditors. The book also addresses how to cope with the emotional aspects of debt and how to plan for the future and build a solid credit rating. The book includes forms and sample letters to help you take action with your financial situation. This book is also available at Staples and Office Depot as well as local and online booksellers.