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Editorial Reviews:

Amazon.com Review
Millions of consumers have become trapped in a spiral of debt, but there is hope. If you wants to free yourself from the shackles of debt, this book is for you--it can help you "get out of debt, stay out of debt, and live prosperously." Jerrold Mundis writes in a friendly, engaging style, urging readers to stop the cycle of spending. Mundis knows what he's talking about--he, too, was once thousands of dollars in debt and didn't know where to turn. Anecdotes from Debtors Anonymous folks, plus multiple examples from the writer's own life and ledgers, make How to Get Out of Debt an encouraging read, not a condescending one. Once you start your program, you may want to periodically reread some chapters for inspiration--and fun.

Product Description
With up-to-the-minute information . . . And an all-new preface by the author!

Out of the red . . .

• Do this month’s bills pile up before you’ve paid last month’s?
• Do you regularly receive past-due notices?
• Do you get letters threatening legal action if immediate payment is not made?
• Do the total amounts of your revolving charge accounts keep rising?

Into the black . . .

Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans--from doctors to secretaries, from executives to the unemployed--face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn:

• How to recognize the warning signs of serious debt
• How to negotiate with angry creditors, collection agencies, and the IRS
• How to design a realistic and painless pay-back schedule
• How to identify your spending blind spots
• How to cope with the anxiety and daily pressures of owing money
• Plus the three cardinal rules for staying out of debt forever, and much more!

This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.

Customer Reviews: Read 69 more reviews...

5 out of 5 stars

A Great Place To Start When You Feel Desperate And Alone January 5, 2009
When I picked up this book my credit was so bad I couldn't even open a bank account. I was in my early twenties, and I had no idea how to get my life on track. I had a crappy minimum wage job and a HUGE student loan that I couldn't afford to make payments on. My loan had gone into default. The creditors called me every day, and even called at work. I was lost, and terribly ashamed of myself. I was so young and inexperienced I had no idea there were resources to help people like me. I thought my life was ruined. I thought I would never be able to buy a car, let alone a house. As far as I could see I was locked into a life of debt, and poverty.

This book was the first of many tools that helped me learn how to take charge of my financial life. As I read it, I recognized so many of the things that the people in the case studies were going through. I realized that I wasn't alone, and I wasn't an inherently BAD person. I began to realize that what was happening to me happens to everyone who lives with debt. The author demonstrated over and over that I had the power to solve my own problems. The book endowed me with a sense of hope and self respect. It gave me the courage to talk to people about my debt so I could ask for help. Eventually, I found a non profit credit counseling service that showed me how to get my loan out of default.

I am happy to say that today my student loan is current and under control. I'm not out of debt yet, but my credit is fantastic. I bought a car, and I am planning and saving to get house in the next two years. My life has totally changed, and so can yours. If you feel desperate and alone like I did, I think this book can help you.

(I would also recommend Suze Orman's The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying.)

1 out of 5 stars

Are you kidding me?? What a waste of time and money!!! November 16, 2008
3 out of 5 found this review helpful

This book was one of the worst purchases I have ever made through Amazon. All of the other reviews sounded really good, so I thought I would try it out. Like most people, I have some credit card debt. However, I am managing it fine. I thought that this book might have a few extra insights that would be useful. I was sooo soooo sooo wrong. What a waste of time and money. The pointers are miserably basic. The authors spends a HUGE portion of the book telling you to "visualize" being out of debt. He also talks about how karma will help you get out of debt, and oh, by the way, you should have a savings account!!!! Oh, and you should sell all your valuables too, that will bring in extra cash. Oh, and how about an extra job on the side? That will help too!! Oh my gosh! Why didn't I think of that?? Give me a break. This book is not helpful, insightful, or even entertaining. A great deal of it is spent on random stories of how "so and so had this much debt, but now she's debt free!" Ummm, ok, great. This book might have helped some people....although I have no idea how. Don't waste your time or money, unless you want to spend a few hours with an author that talks to you like you're in grade school learning how to manage your allowance money.

5 out of 5 stars

Okay okay.... August 31, 2008
0 out of 2 found this review helpful

I haven't yet read this book but plan on buying it based on the fact that it has better reviews than the one by Kevin Trudeau whose informercial I just finished watching and also just finished reading reviews on his book. I noticed that in the infomercial he says you can eliminate your debt so you can get a credit card or loan which to me makes it sound like he's working for the people who conspire to keep America's most needy and desperate, as well as sometimes ignorant people in debt. Why the heck would you get a credit card or loan right after getting out of debt? That's just going to get you right back in the same situation you started out in!
I originally wasn't going to watch the infomercial but I am so desperate to help my mother who is drowning in debt despite having paid off her credit cards twice before. I am also looking for some help myself because I have some debt myself and it's only going to get worse once I have to start paying off my student loans. I try to get as much financial aid in grants as possible since those don't need to be repaid but they don't come close to covering my education expenses. I have always wondered why it is that someone who wants to attend college and better themselves and therefore reduce the likelyhood that they will need to be on Food Stamps or a program like that are punished in the form of actually having to PAY to do better for themselves? Why isn't college free like all other education that comes before it?! But that's the good ol' United States for ya I guess.
Anyhow, I'll update my review once I order the book and see how much it helps.

4 out of 5 stars

Great, but would love to see an updated edition August 9, 2008
3 out of 3 found this review helpful

While I thought this book was fantastic for those who have a problem with deprivation, debt, or compulsive spending and is a great introduction to Debtors Anonymous, I think several of the ideas at its foundation are no longer applicable.

Mundis stresses that not paying your bills for 30 days or not making the minimum payment on your bills doesn't really matter if you no longer intend to debt. Who cares if you ruin your credit score if you don't use credit anymore, right? Maybe that was the case in the 1970s, but now credit scores are used for almost everything. Your credit score will affect your life even if you never borrow another dime.

Your credit record is pulled when you rent an apartment, sign up for utilities (electric, water, etc.), apply for an insurance policy, apply for a checking or savings account, or even apply for a job. True, you can still rent from a landlord who does not check credit and includes utilities with the rent. You may be able to find a job at a place that doesn't check credit. You may be able to pay a large deposit to get an apartment or utilities with poor credit. But more likely, you'll end up in an overpriced slum, severely limit your job prospects, and lose 30% of your paycheck because you have to cash it at a checking cashing store rather than your bank.

I would be interested to see what sort of modifications, if any, would be included in the program given the fact that credit truly affects nearly every aspect of life now - not just the ability to debt.

5 out of 5 stars

It's Great!! March 30, 2008
1 out of 1 found this review helpful

This book is GREAT!! I personally LOVE the way it is written..with the wording as a "recovery program" would have...Reminding yourself everyday of certain things. Along with that, the principles make sense, and as the author says - they have worked for many others. I read a few of the "bad" reviews, and it seems those people have others who they follow for their advice. That's fine, but this book and this author work for me, and i enjoy the way it's written and the steps and beliefs. It's not an expensive book, so i say if you have debt problems, or spending problems, pick this book up and read it!