A simple, proven-effective formula for freeing yourself from debtâ€”and staying that way â€˘ Revised and updated, with a new Preface by the author Â â€śA must read for anyone wanting to get their head above water.â€ťâ€”The Wall Street JournalÂ THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION Â OUT OF THE RED â€˘ Do this monthâ€™s bills pile up before youâ€™ve paid last monthâ€™s? â€˘ Do you regularly receive past-due notices? â€˘ Do you get letters threatening legal action if immediate payment is not made? â€˘ Do the total amounts of your revolving charge accounts keep rising? Â INTO THE BLACK Whether you are currently in debt or fear youâ€™re falling into debt, you are not alone. Sixty million Americansâ€”from doctors to secretaries, from executives to the unemployedâ€”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. Youâ€™ll learn Â â€˘ how to recognize the warning signs of serious debt â€˘ how to negotiate with angry creditors, collection agencies, and the IRS â€˘ how to design a realistic and painless payback schedule â€˘ how to identify your spending blind spots â€˘ how to cope with the anxiety and daily pressures of owing money â€˘ plus the three cardinal rules for staying out of debt forever, and much more! Â 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.