Repair your credit and get out of debt with the complete guide to solving your money troubles. Feeling overwhelmed by your debts? If you're ready to regain your financial freedom, feeling the squeeze of the housing bust or simply get smarter about managing your money, you'll find everything you need in this complete guide. Solve Your Money Troubles shows you how to: prioritize debts; create a budget; negotiate with creditors; stop collector harassment; challenge wage attachments; contend with repossessions; respond to creditor lawsuits; qualify for a mortgage; rebuild credit; decide if bankruptcy is the right option for you. To make the process easier, Solve Your Money Troubles includes sample letters to creditors which reflect changing financial times, as well as worksheets and charts to calculate your debts and expenses and help you create a repayment plan. This edition covers the new federal Credit CARD Act, as well as expanded information on dealing with foreclosure and the new federal government loan modification programs.