Cool Book Of The Day

Pitch reporters with our up-to-date media databases:

Question: Who is the intended audience?
Answer: People who are tired of being bullied by the banks and want to know what they can do about it.

Q: What is the book about?
A: Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That’s because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don’t know what to expect.

Q: Why are you the best person to write this book?
A: Scott Bilker, author of “Talk Your Way Out of Credit Card Debt,” and creator of DebtSmart.com, has spent 17+ years making banks compete for his business. Now, he’s sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn’t, and why.

His credit card advice has been featured in several magazines, newspapers, and online resources including Consumer Reports, Money Magazine, The Wall Street Journal, Newsweek, The Christian Science Monitor, SmartMoney.com, Kiplinger’s Personal Finance Magazine, Reader’s Digest, CNN, BankRate.com, CBS Marketwatch, Woman’s World, and many more.

Scott has also appeared on CNN’s American Morning with Miles O’Brien & Soledad O’Brien, Today in NY with Roseanne Colletti, CNNfn’s Your Money with Ali Velshi, NBC 10 News’ Consumer Alert, CBS News, FOX News, and on more than 1,000 radio stations (coast-to-coast, in Canada, and the UK) including National Public Radio’s (NPR) Morning Edition with Steve Inskeep, The Wall Street Journal This Morning.

Q: How is this book different from other books on this topic?
A: There is no other book on this specific topic. It’s the most comprehensive how-to guide for negotiating with credit card banks.

Q: Is there anything else we should know about this book?
A: Here’s what the readers have to say about the book (more info at http://www.DebtSmart.com):

“Scott, I just had to thank you. I’m still not sure how we ended up with $129,000 worth of credit card debt. Yep that’s right, $129,000! We don’t have a boat. We don’t have cars. We haven’t been around the world. We did have four cards with over 24% interest with massive balances and after my husband was unemployed for 8 months I slowly started unfolding what a financial mess we were in. (Still are to be truthful.) BUT, I saw your book, ‘Talk Your Way Out of Credit Card Debt’ and bought it. What an investment! We managed to get $34,000 of debt relieved by using your techniques. Okay, with still many thousands hanging around our necks the road ahead is not an easy one, but you started us on the road to recovery. It was the best $19.95 I’ve spent in my entire life! Thanks!”

–Sara V. Olds, UT

“I spent about 2 hours reading this book, ‘Talk Your Way Out of Credit Card Debt,’ getting comfortable with the strategies. Then, after my first phone call, which saved me $210 per year, I was off and running! I was able to reduce my interest rate by as much as 9%. I called all six of my Mastercard/Visa companies and was able to save $1,983 per year from the finance charges plus having a $59.00 annual fee removed and a late fee removed ($29.00). The $/hour saved ranged from $141/hour to $2,464/hour and averaged $1,334/hour. It was so easy!!”

–Fred Robinson, Teacher, Milford, NH

“I am in the same field as Scott, and have recommended his book countless times to consumers. With credit card companies raising rates, fees, etc. his advice could not be more timely. I just interviewed Scott today on my EverydayWealth Radio program and he told me how he just got a 10-month-old late fee waived! That’s practically unheard of. Scott’s book is the
definitive guide for negotiating better rates–real advice that works!”

–Gerri Detweiler, author of “The Ultimate Credit Handbook” and host of EverydayWealth Radio

“Scott, I wanted to thank you. I ordered your books a few weeks ago and read them right away. I had an incredible amount of confidence when I called to get my credit card rate lowered. It was so easy! They lowered my rate from 10.45% to 3.9% (for a large balance too) for the life of the balance, with no fees. I calculated my savings at $3,968. WOW! Thanks again for your terrific advice!”

–Lisa Harris, DE

Pitch reporters with our up-to-date media databases:

Question: Who is the intended audience?
Answer: Working men and women who want to make more money and have more time off for fun!

Q: What is the book about?
A: Zero to Zillionaire is a scale. We are all on that scale somewhere-some of us are drowning near Zero and some of us are riding the crest of the Zillionaire wave. This book will help you understand your place on the scale and how to move up the food chain. You can qualify for Zillionaire status, with wealth in your work, happiness in your home, and a balance between the two.

Q: Why are you the best person to write this book?
A: Having owned a bookkeeping business with 13 employees, I saw first-hand how many people are trapped in money disorders–spending bulimia and income anorexia. I developed the Financial Stress Reduction Workshops and have been teaching the Zillionaire principles since 1990.

Q: How is this book different from other books on this topic?
A: This is not your typical “Don’t buy the latte, get out of debt, save for retirement” book. If you learn how to create work you love that produces a wonderful income, develop assets and residual income, you won’t want to retire, and you can enjoy your money and vacations as you go through life.

Q: Is there anything else we should know about this book?
A: Many wealthy people have no spirit, and a lot of spiritual people are broke. This book helps people live rich – inside and out.

Pitch reporters with our up-to-date media databases:

Question: Who is the intended audience?
Answer: This book is for everyone who finds themselves in financial distress – most of us at one time or another.

This includes:

• Young people who have recently moved away from the safety of their parents’ homes and aren’t quite sure what hit them when they can’t make it financially.
• Older people on fixed incomes who don’t know how they can ever hope to break even every month.
• Families reeling from catastrophic accidents or illness, some with medical bills larger than their annual income.
• The suddenly unemployed, facing a frightening new world with no regular paycheck.
• Compulsive spenders who shopped their way into trouble, as well as responsible, hard workers who can’t seem to win for losing.
• Parents, teachers, and friends of any of the above groups.

Q: What is the book about?
A: Help! I Can’t Pay My Bills shows readers how to survive an immediate financial crisis with their self-respect and credit rating intact. For anyone having financial troubles, it answers key questions such as:

• How can I get help with catastrophic medical bills?
• Where can I find cash I didn’t know I had?
• What bills should I pay first?
• What should I tell creditors when they call?
• How can I track down my ex and get overdue child support?
• How do I create a plan for reaching my financial goals?

I help people face their financial challenges head on and make a plan to overcome them. This book can help anyone facing money problems learn to live without dreading their bills or feeling anxious about money.

Q: Why are you the best person to write this book?
A: I became interested in money and how it affects people’s lives when I was a teenager. I saw that either people controlled their money, or their money controlled them.

After working in public accounting, I joined Microsoft Corporation in the personal finance division. As a writer and consultant for Microsoft Money, a personal finance software program, I helped to improve the program and make it meet the real needs of users. I have written articles for Microsoft TaxSaver and the Microsoft Work Essentials website, and I regularly contribute to MSN Money online.

Q: How is this book different from other books on this topic?
A: Personal finance publishers have been reaching out to the “getting started” crowd in the last few years. Readers can now find a number of books that promise to help them at specific life stages. They can also find books narrowly focused on getting out of debt. Most books, however, still focus on lifetime financial planning and investing. They may not meet the needs of a person who, regardless of age, just needs to get through this month without having the utilities turned off. Readers can find several existing categories of personal finance books, including comprehensive personal finance guides, personal finance guides for young adults, and debt reduction and credit repair books. None, however, offer the focused yet comprehensive information that Help! I Can’t Pay My Bills provides people with acute financial needs.

If over one million American families every year are driven to file for bankruptcy, how many more are in some level of financial distress and are looking for help? These people don’t need a complete personal finance course, nor do they need a book only about getting out of debt or pinching pennies. They need a book written specifically to help them right now—a step-by-step guide to surviving a financial crisis.

Q: Is there anything else we should know about this book?
A: Unlike some personal finance books, this is a friendly, readable book. It includes lots of stories to show people that they are not alone – that other people have been through financial crises, too, and have survived.