the essential tools and simple instructions you need for do-it-yourself debt settlement and debt negotiation including: no-fluff information, scripts and letters to creditors, how to handle debt collectors and lawsuits, a decision tree, a budget, a balance sheet and call log, strategies, tactics and secrets from the pros. It was written as a do-it-yourself debt negotiation option by an industry leading debt reduction attorney and designed for individuals that have been turned down by …