Book
Solve your money troubles / Legal editors Amy Loftsgordon and Cara O'Neill.
Millions of Americans are struggling to manage the financial effects of the coronavirus national emergency. More and more people need help handling large amounts of debt. This book covers a broad range of topics and strategies, so readers can tackle all of their financial problems at once while choosing the tactics that work best in their situations.
Record details
- ISBN: 9781413328844
- ISBN: 1413328849
- Physical Description: 386 pages ; 23 cm
- Edition: Eighteenth edition.
- Publisher: Berkeley, California : Nolo, 2021.
Content descriptions
| Bibliography, etc. Note: | Includes index. |
Search for related items by subject
| Subject: | Debtor and creditor > United States > Popular works. Credit > Law and legislation > United States > Popular works. |
| Genre: | Handbooks and manuals. Law for laypersons. |
Available copies
- 11 of 12 copies available at Missouri Evergreen. (Show)
- 1 of 1 copy available at North Kansas City.
Holds
- 1 current hold with 12 total copies.
Show Only Available Copies
| Location | Call Number / Copy Notes | Barcode | Shelving Location | Status | Due Date |
|---|---|---|---|---|---|
| North Kansas City Public Library | 346.7307 LOFTSGORDON 2021 (Text) | 0001002461158 | Nonfiction | Available | - |
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Solve Your Money Troubles : Strategies to Get Out of Debt and Stay That Way
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Table of Contents
Solve Your Money Troubles : Strategies to Get Out of Debt and Stay That Way
| Section | Section Description | Page Number |
|---|---|---|
| Your Legal Companion to Solving Your Money Troubles | p. 1 | |
| 1 | How Much Do You Owe? | p. 3 |
| How Much Do You Earn? | p. 5 | |
| How Much Do You Owe? | p. 5 | |
| 2 | If You're Married, Divorced, or Separated | p. 9 |
| Community Property States | p. 10 | |
| Equitable Distribution States | p. 14 | |
| Rules for Domestic Partnerships and Civil Unions | p. 17 | |
| 3 | Create a Budget and Control Spending | p. 19 |
| Figure Out Where Your Money Goes | p. 20 | |
| Make a Spending Plan | p. 21 | |
| Create Good Spending Habits and Avoid Financial Pitfalls | p. 23 | |
| 4 | Prioritizing Your Debts | p. 25 |
| Secured and Unsecured Debts | p. 26 | |
| High-Priority Debts | p. 28 | |
| Medium-Priority Debts | p. 32 | |
| Low-Priority Debts | p. 34 | |
| Review Your Worksheets | p. 35 | |
| 5 | Finding Money to Pay Your Debts | p. 37 |
| Cut Your Expenses | p. 38 | |
| Increase Your Income | p. 41 | |
| Get Some of Your Tax Refund Early | p. 42 | |
| Get Your Tax Refund Fast | p. 42 | |
| Sell a Major Asset | p. 43 | |
| Sell Smaller Items | p. 44 | |
| Withdraw Money From a Tax-Deferred Account | p. 45 | |
| Apply for Government and Agency Help | p. 46 | |
| Consider a Home Equity Loan | p. 50 | |
| Use the Equity in Your Home If You Are 62 or Older | p. 52 | |
| Borrow the Money | p. 57 | |
| What to Avoid When You Need Money | p. 58 | |
| Avoid Payday Lender Prepaid Cards | p. 64 | |
| 6 | Negotiating With Your Creditors | p. 67 |
| Prepare a Negotiating Plan | p. 68 | |
| Communicate With Your Creditors | p. 69 | |
| Tips for Negotiating With Creditors | p. 72 | |
| Rent Payments | p. 74 | |
| Mortgage Payments | p. 76 | |
| Utility and Phone Bills | p. 77 | |
| Car Payments | p. 77 | |
| Secured Loan Payments | p. 79 | |
| Insurance Payments | p. 81 | |
| Medical, Legal, and Other Service Bills | p. 81 | |
| Child Support and Alimony Payments | p. 82 | |
| Income Taxes | p. 83 | |
| Student Loan Payments | p. 84 | |
| Credit Card Payments | p. 84 | |
| Negotiating When the Creditor Has a Judgment Against You | p. 86 | |
| Pay Off a Debt for Less Than the Full Amount | p. 86 | |
| Don't Write Postdated Checks | p. 87 | |
| Beware of the 1RS If You Settle a Debt | p. 91 | |
| 7 | What to Expect When You Can't Pay Your Debts | p. 95 |
| Eviction | p. 96 | |
| Repossession | p. 97 | |
| Tying Up Property Before a Lawsuit | p. 104 | |
| Lawsuits | p. 105 | |
| Lawsuits Against Third Parties Who Hold Your Assets | p. 106 | |
| Liens on Your Property | p. 106 | |
| Jail | p. 108 | |
| Bank Setoff | p. 108 | |
| Intercepting Your Tax Refund | p. 109 | |
| Loss of Insurance Coverage | p. 110 | |
| Loss of Utility Service | p. 111 | |
| 8 | Reducing Mortgage Payments and Dealing With Foreclosure | p. 113 |
| Foreclosure | p. 114 | |
| Nonjudicial Foreclosure | p. 116 | |
| Judicial Foreclosures | p. 116 | |
| Right to Cure Default | p. 118 | |
| Right of Redemption | p. 118 | |
| The Sale | p. 118 | |
| Defenses to Foreclosure | p. 119 | |
| Watch Out for Deficiency Balances | p. 119 | |
| Alternatives to Foreclosure | p. 121 | |
| Federal Programs for Homeowners Facing Possible Foreclosure | p. 122 | |
| Other Mortgage Workouts | p. 124 | |
| Refinancing | p. 125 | |
| Selling Your House | p. 128 | |
| Short Sales and Deeds in Lieu of Foreclosure | p. 128 | |
| Finding Other Programs to Help Homeowners | p. 130 | |
| 9 | Dealing With Debt Collectors | p. 131 |
| Creditor or Debt Collector? | p. 132 | |
| Negotiating Secured Debts | p. 134 | |
| Before Your Debt Is Sent to a Debt Collector | p. 134 | |
| When Your Debt is Sent to a Debt Collector | p. 135 | |
| Illegal Debt Collection Practices | p. 150 | |
| How to Fight Back If a Debt Collector Violates the Law | p. 155 | |
| 10 | Understanding Loan and Other Credit Documents | p. 159 |
| Credit Disclosures | p. 160 | |
| Common Terms in Credit Agreements | p. 161 | |
| 11 | Student Loans | p. 173 |
| What Kind of Loan Do You Have? | p. 174 | |
| Figuring Out Who Holds or Services Your Student Loan | p. 177 | |
| Canceling Your Loan | p. 177 | |
| Postponing Payments | p. 183 | |
| Changing Your Repayment Plan | p. 184 | |
| Getting Out of Default | p. 189 | |
| Filing for Bankruptcy When You Can't Pay | p. 190 | |
| Consequences of Ignoring Student Loan Debt | p. 191 | |
| Private Student Loans | p. 192 | |
| 12 | Child Support and Alimony | p. 195 |
| How Child Support Is Determined | p. 196 | |
| Modifying the Amount of Child Support | p. 198 | |
| If Paternity Is Disputed | p. 202 | |
| Enforcement of Child Support Obligations | p. 203 | |
| Alimony | p. 210 | |
| Bankruptcy and Child Support or Alimony Debt | p. 210 | |
| Taxes, Child Support, and Alimony | p. 211 | |
| 13 | Lawsuits and Collection of Judgments | p. 213 |
| How a Lawsuit Begins | p. 215 | |
| Negotiate a Deal | p. 219 | |
| Alternative Dispute Resolution | p. 221 | |
| Defenses and Claims | p. 224 | |
| What to Expect While the Case Is in Court | p. 230 | |
| When the Creditor Gets a Judgment Against You | p. 232 | |
| How Creditors Collect Judgments | p. 233 | |
| How to Stop Judgment Collection Efforts | p. 243 | |
| 14 | Bankruptcy: The Ultimate Weapon | p. 247 |
| Chapter 7 Bankruptcy | p. 248 | |
| Chapter 13 Bankruptcy | p. 249 | |
| The Automatic Stay | p. 251 | |
| Bankruptcy Exemptions | p. 252 | |
| Will Bankruptcy Solve Your Debt Problems? | p. 253 | |
| Getting Help With Bankruptcy | p. 255 | |
| 15 | Property Creditors Can't Take | p. 257 |
| Property Subject to Collection | p. 258 | |
| Types of Exemptions | p. 263 | |
| Is Your Property Exempt? | p. 264 | |
| Claiming Exemptions | p. 271 | |
| 16 | Rebuilding Your Credit | p. 273 |
| Credit Scores and Credit Reports: What's the Difference? | p. 274 | |
| Credit Reports | p. 274 | |
| Cleaning Up Your Credit Report | p. 277 | |
| Your Credit Scores | p. 283 | |
| Rebuilding Credit Without Getting New Credit | p. 286 | |
| Rebuilding Credit by Getting New Credit | p. 287 | |
| Don't Use a Credit Repair Organization | p. 289 | |
| 17 | Choosing and Managing Credit Cards | p. 291 |
| Avoiding Credit Card Traps | p. 293 | |
| Consumer Credit Card Rights | p. 293 | |
| Use Credit Card Disclosure Forms to Identify Traps | p. 293 | |
| Trouble Paying Your Bill | p. 300 | |
| Should You Get Rid of Unnecessary Credit Cards? | p. 301 | |
| How to Close a Credit Card Account | p. 303 | |
| Shopping for a New Card | p. 304 | |
| Using Credit Cards Wisely | p. 305 | |
| Cards You Didn't Request | p. 306 | |
| Rejected and Blocked Cards | p. 307 | |
| Liability If Your Credit Card Is Lost or Stolen | p. 308 | |
| Unauthorized Use of Your Card by an Acquaintance | p. 310 | |
| To Dispute a Credit Card Bill | p. 311 | |
| Debit Cards | p. 315 | |
| Prepaid Cards | p. 317 | |
| 18 | Help Beyond This Book | p. 319 |
| Looking Up the Law | p. 320 | |
| Lawyers | p. 325 | |
| Debt and Credit Counseling Agencies | p. 329 | |
| Glossary | p. 335 | |
| Appendixes | ||
| A | Where to Complain | p. 339 |
| B | Contact Information for Useful Agencies, Organizations, and Other Entities | p. 343 |
| C | Worksheets | p. 347 |
| Worksheet 1 | Monthly Income | p. 348 |
| Worksheet 2 | Your Debts | p. 349 |
| Worksheet 3 | Property Checklist | p. 352 |
| Worksheet 4 | Property Exemptions | p. 356 |
| Worksheet 5 | Daily Expenses | p. 362 |
| Worksheet 6 | Monthly Budget | p. 364 |
| Index | p. 367 |
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