Like most people I saw the infomercial, and thought what the hey -.  We all got debt, and if this guy knows how to get rid of some of it, it just may be worth a shot.  I know I didn't want to pay the thirty bucks they wanted on the infomercial, so I picked my copy up on half.com for under ten bucks.  Look at me.  I'm saving money already.

  First off, I want to say this book may have some good ideas, but they are all buried in a bunch of mumbo jumbo, and constant ranting on how the credit card companies and banks are ripping us off, and how we need to give it all back to them.  Duh!  I didn't buy the book, to read through over one hundred pages of this insane rambling.  My expectation was to get some good advice, on how to lower, or reduce my debt - Like the infomercial promised.

  Here's what the book is all about:

1. If you've got debt, it's not your fault.  It's all the big bad banks, and credit card companies.  I don't know about you, but I think some small part of the blame just might be mine.
2. Don't declare bankruptcy.  Pick up the phone, and call the big meanies at the credit companies, and let them know that you cannot pay.  Ask them to cut your interest rate, or let you pay just the original amount of your debt, before interest and fees.
3. You are not responsible for old debt that has passed the statue of limitations.  And, this is probably the most helpful part of the book.  If you have old debt - over three to ten years old, and are being hounded by collectors, this book can save you a bundle of money.
4. Government grants are out there to pay your bills, and change your life.  One of the sites we were sent to was govbenefits.com.  After taking a 100 question survey, I found there was no help for me, other than small business loans, etc, that I already knew of.  Now if you are a disabled veteran, a woman or minority businessperson, or someone displaced by storms or such, the result would probably be much different.  But for the average Joe, there is no help here.
5. Pay your mortgage off early and save thousands in interest by making weekly or bi-weekly payments.  If you read Money, your local newspaper, or watch tv, you probably already know these techniques, so no great savings here.

That pretty much sums it up.  Save thirty bucks, and four to five hours of reading time, and pick up your phone.  Most creditors will work with you, and give something if you ask.