Managing Debt for Dummies (ISBN - 0470084863).pdf

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Debt
FOR
DUMmIES
by John Ventura and Mary Reed
Managing
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Debt
FOR
DUMmIES
by John Ventura and Mary Reed
Managing
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2007 by Wiley Publishing, Inc., Indianapolis, Indiana
Published by Wiley Publishing, Inc., Indianapolis, Indiana
Published simultaneously in Canada
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Library of Congress Control Number: 2006939511
ISBN: 978-0-470-08486-1
Manufactured in the United States of America
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Managing Debt For Dummies ®
Published by
Wiley Publishing, Inc.
111 River St.
Hoboken, NJ 07030-5774
www.wiley.com
Copyright
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About the Authors
John Ventura: John is a best-selling author and a nationally board-
certified bankruptcy attorney. He is also an adjunct professor at the
University of Houston Law School and the director of the Texas
Consumer Complaint Center at the Law School.
As a young boy, John dreamed of becoming a Catholic priest so he
could help everyday people, and he spent his high school years in a
Catholic seminary. After graduating, however, John decided to
achieve his dream by combining journalism with the law. Therefore,
he earned an undergraduate degree in journalism and a law degree
from the University of Houston Law School. Later, he and a partner
established a law firm in Texas, building it into one of the most suc-
cessful consumer bankruptcy firms in the state. He subsequently
began a successful consumer law firm in South Texas.
Today, as Director of the Texas Consumer Complaint Center, he
supervises law students as they help consumers with their legal
problems. He is also a regular speaker at law conferences around
the country and serves on the Bankruptcy Council for the Texas
Bar Association.
John is the author of 13 books on consumer and small business legal
matters, including Law For Dummies, 2nd edition; The Everyday Law
Kit For Dummies; Divorce For Dummies, 2nd edition; and Good Advice
for a Bad Economy (Berkeley Books). John has been interviewed
about consumer money matters by numerous national media includ-
ing CNN, NBC, NPR, Bloomberg Television & Radio, The Wall Street
Journal, USA Today, Newsweek, Kiplinger’s Personal Finance, Money,
Inc. Martha Stewart’s Living, Bottomline, Entrepreneur, Bankrate.com,
CBSMarketWatch.com, and MSNMoney.com. In addition, his com-
ments and advice have appeared in major newspapers around the
country, and he has been a frequent guest on local radio programs.
Mary Reed: Mary Reed is a personal finance writer who has
coauthored or ghostwritten numerous books on topics related to
consumer money matters and legal rights. The books she has
coauthored with John Ventura include The Everyday Law Kit
for Dummies, Divorce For Dummies, and Good Advice for a Bad
Economy (Berkeley Books). Mary has also written for the magazines
Good Housekeeping, Home Office Computing, and Small Business
Computing, and she has ghostwritten numerous articles that have
appeared in national and local publications.
Mary is also the owner of Mary Reed Public Relations (MR•PR), an
Austin, Texas-based firm that provides public relations services to a
wide variety of clients, including authors, publishers, attorneys,
financial planners, healthcare professionals, retailers, hotels,
restaurants, and nonprofits.
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