<DIV>In <I>The Do-It-Yourself Bailout</I>, Kenny Golde explains how he completely and legally eliminated $222,000 in credit card debt, without filing for bankruptcy or destroying his credit score. Golde provides a step-by-step handbook on all facets of how to initiate settlement negotiations with banks, how to handle collection agencies, how to separate your emotions from your debt, and much, much more.<BR><BR>BONUS: This deluxe audio edition includes a special training seminar, not offered in the book, which discusses:<BR> The five essential steps toward true financial health<BR> A proven, effective method for talking about debt settlement with collection agents<BR> How long debt settlement might take<BR> How to release the pain, fear, stress, shame, guilt or anxiety that often comes with debt<BR> How to take control of your financial life once and for all, and never give it up<BR> Why you should always get your debt settlement agreements in writing and how to do it<BR> What a proper debt settlement agreement must contain<BR> How debt settlement could affect your credit score and why it may not matter<BR> How to settle your debts for less than you owe even if you don’t think you can afford an upfront payment</DIV>