A simple, proven-effective formula for freeing yourself from debt--and staying that way * Revised and updated, with a new Preface by the author nbsp; "A must read for anyone wanting to get their head above water."--The Wall Street Journal nbsp; THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION nbsp; OUT OF THE RED * Do this month's bills pile up before you've paid last month's? * Do you regularly receive past-due notices? * Do you get letters threatening legal action if immediate payment is not made? * Do the total amounts of your revolving charge accounts keep rising? nbsp; INTO THE BLACK Whether you are currently in debt or fear you're falling into debt, you are not alone. Sixty million Americans--from doctors to secretaries, from executives to the unemployed--face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You'll learn nbsp; * how to recognize the warning signs of serious debt * how to negotiate with angry creditors, collection agencies, and the IRS * how to design a realistic and painless payback schedule * how to identify your spending blind spots * how to cope with the anxiety and daily pressures of owing money * plus the three cardinal rules for staying out of debt forever, and much more! nbsp; This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.