This easy to use guide will take you step by step through the process of negotiating and settling your debts yourself! Why there is absolutely NO reason to pay a "Debt Settlement" or "Credit Repair" company thousands of dollars to do what you can do yourself. In this easy to use book you will learn how to: Deal directly with your creditors to settle your debts for as little as 30 to 50 percent (or less) of what you owe. What a reasonable offer to settle really is and how to get a creditor to accept your offer How to read your credit report and identify the items most damaging to your credit profile Techniques for cleaning up your credit report regardless of how accurate the information being reported may be. How to stop bill collectors from harassing you so you will sleep better at night and have less anxiety and worry!