I wrote this several years ago in a guide that's been viewed over 800 times at Amazon.com. Not many, but hopefully people have been helped to take control of their credit history and grab the tools to fix their own credit rating.
I wrote then:
New changes to U.S. bankruptcy laws now means that unsecured credit card debt is much, much harder to flush away with a simple Chapter 13 wage-earners personal bankruptcy.
But this looming danger hasn't stopped the majority of Americans from applying for those "free" credit card offers that flood the mailbox. The problem, it seems to me, is that all too many people have either never learned or have forgotten how to manage credit card debt properly, and they are digging themselves a difficult hole to climb out of financially.
But it's never an IMPOSSIBLE climb! You CAN start taking control of your finances by learning how to track your monthly expenses, cut unneccessary ones, and start your own debt consolidation program.
Since the time I wrote it, the economy has only gotten worse. For the full free guide at Amazon.com, read:
"How To Get Better Credit" by Steve Johnson.
Other helpful books available at Amazon.com include:
Zero Debt: The Ultimate Guide to Financial Freedom (Includes "How to Improve Your Credit and Manage Credit Cards Well" Audio CD)
The New Bankruptcy: Will It Work for You?
How to File for Chapter 7 Bankruptcy
Credit After Bankruptcy: The easy-to-follow guide to a quick and lasting recovery from personal bankruptcy
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