Given today's economy, Money Troubles is essential to everyone who wants to be smart about managing their money and debt. Readers will learn to prioritize debts, negotiate with creditors, and get out of financial trouble.For those ready to regain financial freedom, this book is exactly what is needed. Step by step, Money Troubles shows how to: • prioritize debts • create a budget • negotiate with creditors • stop collector harassment • challenge wage attachments • contend with repossessions • respond to creditor lawsuits • qualify for a mortgage • rebuild credit To make the process easier, Money Troubles also includes sample letters to creditors, as well as worksheets and charts to calculate debts and expenses and help create a repayment plan.The 12th edition is completely revised to provide the latest consumer protections, an updated discussion about managing money and debt and information on the basics of filing for bankruptcy.