Part Two, Complete Table of Contents
Dealing With the Different Types of Debt and Carrying Out Your Personal Plan

Laying Out Your Personal Plan

    Step-by-Step Walkaway Plans

Partial Debt Walkaways • Timing It To Walk Away From Most Or All Debt At the Same Time

    Pre-Walkaway Checklist

Stocking Up On Essentials • Try To Keep One Credit Card In Good Standing • Avoiding Financial Fraud and Fraudulent Transfer (aka Fraudulent Conveyance) • Leveraging Your Remaining Credit • Another Option: Save One Spouse's Credit Rating and Let The Other One Crash

Dealing With the Different Types of Debt

Mortgages and Home Foreclosure - Stop, Delay, or Roll With It

Legal Foreword: The Urban Legend Of "No Lawsuit" Used To Be True • Today's Reality: Deficiency-Judgment Lawsuits Are Increasing

    Equity Sharing With Co-Investors (best with family or friends)

    Simple Walkaway

Using a Lawyer Cheaply to Put Your Foreclosure on the Slow Track • How Many Months Before Eviction? • Bank, City, Neighbors - No One Wants You Evicted Soon

    Working With the Lender

Refinancing (and Avoiding Re-Fi Scams): Restructuring vs Cramdowns • HUD Plans: HAMP and HAPA • Short Sale To Protect Your Credit Rating • Deed In Lieu of Foreclosure

    Challenging the Validity of the Loan

Predatory Lending: It's Very Possible That the Lender Broke A Law • TILA (Truth In Lending Act) Violations • HOEPA (Home Ownership and Equity Protection Act) Violations • Breach of Contract • Improper Foreclosure Procedures • The Company Foreclosing Has "No standing" With the Court (MERs defense) • "Unconscionable" Behavior By the Lender

    Beware of Scam "Forensic" Loan Auditors/Companies

    Declaring Bankruptcy to Freeze Foreclosure Proceedings

    Leaving With a Song In Your Heart and Money In Your Pocket

Credit Card Debt - the Easiest Walkaway of All

Negotiating With Original Creditors vs. Collections Agencies • Reduced Interest Rates (to as little as 0%) • Short Payoffs (to as little as 20%) • Complete Walkaways

    Auto Loans and Repossession

    Medical Bills: Negotiating Discounts From Doctors, Clinics, and Hospitals

    Utility Bills

Debts That Are Hard To Shake

Government Student Loans • Child Support • Legal Fines

Wrapping Up Your Walkaway and Moving On

    Renting

Do You Have Good Enough Credit to Rent After Foreclosure? Probably "Yes!" • Current Rental Scams To Avoid

    Foreclosure Move-Out Checklist

Selling Off Possessions That Won't Fit In a Rental • Saving On Moving and Storage Costs

    Leaving Creditors Behind

    Changing Phone Numbers

If You're Staying Where You Are • If You're Moving • Keeping Your New Number Private

    New Bank Accounts

Move Money Out Of Anywhere Where Creditors Could Grab It • Credit Unions Are Separate From Banks: Move Your Money There • Pay Creditors With Money Orders, Not Checks On Your Bank Account

    Leave No Forwarding Address (if you're moving)

    Replacing Your Credit Cards With Debit Cards

Debit Card "Problems" Are Mostly Bogus News

    Rebuilding Your Financial Base

Building Cash Reserves • Credit Repair and Rebuilding

    Resources

The Few Good Books • Useful Websites (government websites, legal infomation, calculators, etc.

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