（信贷地狱：如何逃脱债务傻瓜书）CREDIT HELL: HOW TO DIG OUT OF DEBT 在线下载 pdf mobi 2025 epub 电子版

Each year, millions of Americans sink further into debt and the sad truth is that most Americans have been conditioned to believe that debt is a normal part of life. If credit problems are adversely affecting your life, there are ways to improve your financial situation, and Credit Hell: How to Dig Out of Debt can show you how.

Written by Howard S. Dvorkin—a nationally known expert in the debt counseling field—Credit Hell walks you through the "getting-out-of-debt" process from assessing the state of your finances and developing a budget, to negotiating with your creditors, consolidating your debts, and rebuilding your finances after your money troubles are over. Filled with in-depth insights and practical advice, this user-friendly guide:

Shows you how to deal with important debts like your mortgage, car loans, and taxes owed to the IRS

Discusses why having a good credit history and a high credit score is important; how to order your credit report from each of the three national credit reporting agencies; and what you can do to improve your score and correct problems in your credit records

Educates you about important laws that can protect you when applying for credit, using credit, or if a debt collector is hounding you

Explains when filing for bankruptcy is your best option and provides you with an overview of the process

If you want to dig yourself out of debt and stay out of debt in the future, pick up Credit Hell and discover the best way to regain control of your financial life.

PREFACE

Chapter ONE: Assessing the State of Your Finances

Chapter TWO: What to Do about Your Debts

Chapter THREE: Debts That Deserve Special Attention

Chapter FOUR: Using Credit Responsibly

Chapter FIVE: Credit Reporting Agencies, Credit Reports, and Credit Scores

Chapter SIX: Rebuilding Your Credit History and Your Financial Future

Chapter SEVEN: Your Money Rights

Appendix A: Budgeting Worksheet

Appendix B: Your Household Budget

Appendix C: Helpful Resources

Appendix D: About Consolidated Credit Counseling Services, Inc

GLOSSARY OF TERMS

INDEX

ABOUT THE AUTHOR

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书籍介绍

Each year, millions of Americans sink further into debt and the sad truth is that most Americans have been conditioned to believe that debt is a normal part of life. If credit problems are adversely affecting your life, there are ways to improve your financial situation, and Credit Hell: How to Dig Out of Debt can show you how. Written by Howard S. Dvorkin--a nationally known expert in the debt counseling field--Credit Hell walks you through the "getting-out-of-debt" process from assessing the state of your finances and developing a budget, to negotiating with your creditors, consolidating your debts, and rebuilding your finances after your money troubles are over. Filled with in-depth insights and practical advice, this user-friendly guide: Shows you how to deal with important debts like your mortgage, car loans, and taxes owed to the IRS Discusses why having a good credit history and a high credit score is important; how to order your credit report from each of the three national credit reporting agencies; and what you can do to improve your score and correct problems in your credit records Educates you about important laws that can protect you when applying for credit, using credit, or if a debt collector is hounding you Explains when filing for bankruptcy is your best option and provides you with an overview of the process If you want to dig yourself out of debt and stay out of debt in the future, pick up Credit Hell and discover the best way to regain control of your financial life.

• 作者：小星星 发布时间：2016-04-10 09:14:40

  有小天的所有照片都是佳片，写真集值得珍藏！文字介绍居多，感悟较少，而且很是口语化。感谢小d送我了京东的最后一本。

• 作者：Y霄 发布时间：2022-02-17 15:08:45

  通篇“啦”“啊”“呢”“哟”结尾的对话，就差打上个波浪号了

• 作者：Dexter 发布时间：2023-09-25 20:54:40

  难为人……整本书逻辑是统一的，目的和它标题一样

• 作者：扶洋灭清拍案橘 发布时间：2022-05-10 22:31:54

  果然写过才懂

• 作者：我想故我在 发布时间：2023-12-03 16:07:49

  种类繁多滴纸飞机折叠，这都需要一定动手能力和兴趣爱好，叠好后成功飞掷时滴很有成就感，不同款式和造型滴飞机，投掷后飞行轨迹和距离不同，是适合和孩子们一起滴亲子游戏工具书籍，书和附送滴折纸滴纸张稍软了些

• 作者：小球球 发布时间：2021-11-19 16:55:28

  小时候练抬头的时候经常看的

• 20个《楚辞》精选名句，你都读过哪些？

  作者：文艺集社 发布时间：2024-03-26 11:42:35

  说起中国诗歌，总要提到《楚辞》，而说起《楚辞》，总要提到屈原的那句：路曼曼其修远兮，吾将上下而求索。虽然千古流传，但读来已觉不新鲜。

  这20个《楚辞》名句，你都读过哪些？

  

  1.日月忽其不淹兮，春与秋其代序。

  大意：光阴飞逝不作停留，春秋更替岁岁年年。

  2. 惟草木之零落兮，恐美人之迟暮。

  大意：草木纷纷飘落凋零，何尝不担心美人如此。

  3. 长太息以掩涕兮，哀民生之多艰。

  大意：叹息揾泪，感慨人生艰难。

  4. 亦余心之所善兮，虽九死其犹未悔。

  大意：心之所向，九死不悔。

  

  5. 世并举而好朋兮，夫何茕独而不予听？

  大意：小人结党营私，为何你形单影只？

  6. 何所独无芳草兮，尔何怀乎故宇？

  大意：哪里没有芳草，何必怀恋故园？

  —— 以上摘自《离骚》

  7. 时不可兮再得，聊逍遥兮容与。

  大意：良辰美景难得，不如逍遥一时。

  ——《九歌·湘君》

  

  8. 嫋嫋兮秋风，洞庭波兮木叶下。

  大意：秋风乍起，洞庭湖水生波，落叶纷纷。

  ——《九歌·湘夫人》

  9. 愁人兮奈何，愿若今兮无亏。

  大意：忧愁不止，愿身体无恙。

  ——《九歌·大司命》

  10. 悲莫悲兮生别离，乐莫乐兮新相知。

  大意：别离悲苦无比，新知乐我心扉。

  ——《九歌·少司命》

  11. 世溷浊而莫余知兮，吾方高驰而不顾。

  大意：世人不明白我，我一去不回头。

  ——《九章·涉江》

  

  12. 吾不能变心而从俗兮，固将愁苦而终穷。

  大意：不能从俗，只能愁苦。

  ——《九章·涉江》

  13. 心不怡之长久兮，忧与愁其相接。

  大意：心中不乐，忧愁相接。

  ——《九章·哀郢》

  14. 人之心不与吾心同！

  大意：别人和我心志不同。

  ——《九章·抽思》

  15. 惜吾不及古人之兮，吾谁与玩此芳草？

  大意：没有古人作伴，谁和我共赏美景？

  ——《九章·思美人》

  

  16. 举世皆浊我独清，众人皆醉我独醒。

  大意：世界浑浊只我高洁，世人迷醉独我清醒。

  ——《渔父》

  17. 沧浪之水清兮，可以濯吾缨；沧浪之水浊兮，可以濯吾足。

  大意：清水洗缨，濯水洗足。

  ——《渔父》

  18. 众鸟皆有所登栖兮，凤独遑遑而无所集。

  大意：凡鸟都有栖身之地，金凤却无容身之处。

  ——《九辩》

  19. 美人既醉，朱颜酡些。

  大意：美人微醺，红颜润泽。

  ——《招魂》

  20. 目极千里兮，伤春心。

  大意：所望之处，触景伤情。

  ——《招魂》

  

  可以毫不夸张地说，中国人的诗歌基因里，如果一半是《诗经》，另一半便是《楚辞》。它的语言优美，内容丰富，涵盖了对人生、时间、世界等多方面的咏叹，读来一波三折，美不胜收。

  这20个精选诗句，当然无法呈现《楚辞》全部的美学底蕴，惟愿它们是个引子，把你领到《楚辞》的世界中去，采撷更多触动你心的灿烂诗篇！

• A good start of chapter books

  作者：天晴天雨的小窝 发布时间：2018-01-17 05:43:33

  In order to help my 1st grader in her reading adventure I picked this book from the library. This story is rather short comparing to Ronald Dahl's other stories but it keeps the same humous and creative style. It is a good book for bedtime reading, my girl finished it in about 10 minutes and she liked the book. The only part she doesn't feel happy with is the part about turning the teacher into a cat. My girl loves her teachers and she doesn't like to see punishment on them.