Archive for the ‘The Zero Debt Kit’ Category
The Zero Debt Kit MP3 Downloads
Do you need financial coaching? The Zero Debt Kit covers 10 critical topics for anyone who would like to have great credit and Zero Debt – not just zero credit card debt, but all kinds of debt: taxes, mortgages, auto loans, student loans, everything!
Each 1 hour course is available for immediate download and playable on any MP3 player including your iPod or your personal computer.
1. How to Budget Properly, Spend Less and Save More
2. How to Make or Find Extra Money
3. How to Improve Your Credit and Manage Your Credit Cards Well
4. How to Negotiate with Creditors
5. How to Deal with Collection Agencies
6. How to Reduce Mortgage and Auto Debt
7. How to Pick a Credit Counseling or Debt Management Firm
8. How to Pay Off Student Loans
9. How to Slash Your Taxes or Settle an Old Tax Bill
10. How to Keep Your Finances on Track and Build Wealth

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Get Financial Coaching With The Zero Debt Kit
Do you need financial coaching? The Zero Debt Kit covers 10 critical topics for anyone who would like to have great credit and Zero Debt – not just zero credit card debt, but all kinds of debt: taxes, mortgages, auto loans, student loans, everything!
Each 1 hour course is available for immediate download and playable on any MP3 player including your iPod or your personal computer.
1. How to Budget Properly, Spend Less and Save More
2. How to Make or Find Extra Money
3. How to Improve Your Credit and Manage Your Credit Cards Well
4. How to Negotiate with Creditors
5. How to Deal with Collection Agencies
6. How to Reduce Mortgage and Auto Debt
7. How to Pick a Credit Counseling or Debt Management Firm
8. How to Pay Off Student Loans*
9. How to Slash Your Taxes or Settle an Old Tax Bill
10. How to Keep Your Finances on Track and Build Wealth
*Note: Some information in the How to Pay Off Student Loans audio is outdated due to the passage of the Student Loan Reform Bill in 2010 and other changes in the student loan industry. However, the majority of the tips and advice herein will be beneficial to anyone with student loans.

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How to Deal with Collection Agencies
For anyone in debt, one of the most gut-wrenching parts of the whole ordeal is dealing with collection agents. They’re often rude, obnoxious and totally uncaring. Some even break the law, harassing people at all hours of the day and night, and calling your friends, relatives and even your boss in an attempt to embarrass you into paying your debts. Thankfully, you don’t have to be at the mercy of an unfeeling debt collector. In fact, you have many rights under the law to protect you from abusive collection agencies. But you have to know what those rights are and how to assert them. Moreover, in order to reduce your debt and improve your credit rating, you must learn how to get collection agents to give you what you want not just the other way around.
In this session you’ll learn:
- What to say and what not to reveal to collection agents that call you
- How to write a cease and desist letter that stops collection agents in their tracks
- How the Fair Debt Collection Practices Act protects you from collection harassment
- When your debts are no longer collectible, under your states statute of limitations
- The power of having a debt-verification letter
- The dangers of sending post-dated checks to bill collectors
- How to dispute debts that are inaccurate, incomplete, or not yours
- How to properly negotiate debt settlements
- How to make sure your credit isn’t ruined by bill collectors
- When to consider bankruptcy and MORE!
Format: Audio MP3
60 Minutes
Download now for just $5.99

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How To Budget Properly, Spend Less, and Save More
obody likes to live paycheck to paycheck. It is stressful, depressing, and makes you feel like you’re not getting ahead.
Unfortunately, though, most people live under these exact circumstances, and it’s mainly because they’ve never been taught some basic personal finance principles like budgeting, saving, and proper cash management.
In this session you’ll learn:
- The three ways to tell if you’re truly serious about wiping out your debt
- The importance of setting financial goals to motivate yourself
- Strategies for creating and maintaining a realistic budget
- How to get products and services you need FREE of charge
- The financial impact of various habits and activities
- Smart ways to make saving and investing automatic
- How to stop making excuses about your situation and get out of debt denial
- How to get rid of money-draining friends, relatives and others
- How to slash expenses in multiple areas of your life
- Pain-free ways to build up your cash cushion and MORE!Length – 60 minutes
Length: 60 minutes
Format MP3 Audio
Lynnette Khalfani-Cox, The Money Coach








