YOUNG PEOPLE ARE ENTERING THE REAL-WORLD UNPREPARED TO MAKE DECISIONS WITH MONEY- AND DROWNING IN DEBT.

In a fast-paced world that thrives on instant gratification, our young people are falling prey to the temptation of credit cards. Basic skills to make good decisions with money are not taught in school and millions of young people every year are finding themselves buried in debt before age 25.

“Credit Card Debt: It Can Cost You Your Life” is a book that addresses this explosive problem by teaching young people how to demonstrate positive money management and to avoid the credit trap.

This book exposes young people to the dangers of debt by going inside the lives of four people who’ve been there. It further goes on to reveal simple (and critical) ways to make good decisions with money and shows step by step ways to demonstrate positive money management.

College graduates everywhere say they wish they’d had this book freshman year. Basic financial literacy is a gift evey child deserves. Money is a decision every person must make regardless of where they went to school or what grades they made. “Credit Card Debt: It Can Cost You Your Life” gives answers needed to understand money and further success in a young person’s life.

“CREDIT CARD DEBT: IT CAN COST YOU YOUR LIFE” IS A MUST-READ GUIDE FOR ANYONE 18-25.

This book teaches first how to demonstrate positive money management. It then profiles four people and the consequencers of debt. It goes on to break down all the information you need to be informed about credit card use- a user’s guide, so to speak.

This book makes the perfect graduation gift. Give it to all the graduates in your life or be sure to include this book in your child’s bag before they go off to make decisions about money!

INSIDE “CREDIT CARD DEBT: IT CAN COST YOU YOUR LIFE”, YOU’LL FIND:

-A shocking look at the devastation credit card debt creates.
-An inside look at the actual impact of credit card debt on a person’s future- including job searching and performance, self-esteem, rental/living situations, and much, much more.
-Simple, yet critical, tips to demonstrating positive money management skills.
-A close examination of the dangers of using credit cards without education
-A chapter devoted solely to defining all terms of a standard credit card offer and how these greatly impact an individual’s debt-load.

GIVE THE GIFT OF FINANCIAL LITERACY AND HELP YOUR CHILD HAVE SUCCESS THEY DESERVE!

This is not a book about how to become a millionaire in a minute. This is a book about money trouble. A book about people just like you and me who find themselves at the end of their financial rope. In particular this is a book about trouble with credit cards and how to get out of that trouble without bankruptcy. From budget help in Chapter 3, to how to talk to your Creditor in Chapters 5 and 8, to a discussion of Dollars and Damage and the Time it takes to become “Debt free” in Chapter 10, you can take control and start solving your credit card trouble right now. “Forever in Your Debt” presents the facts, resources and personal stories that hold the keys to “Escaping Credit Card Hell”. There is no need to pay for costly services or file bankruptcy; you can talk to creditors and get their help. The nation’s leading expert in Responsible Debt Relief provides all the help you need.

Harvey Z. Warren co-founded the Coalition of Economic and Social Research with Dr. Robert D. Manning distinguished author of Credit Card Nation. Together they are developing a powerful coalition of consumer advocates, lawyers, banking and collection leadership establishing guidelines for non-adversarial Responsible Debt Relief.

Mr. Warren earned a Master of Science degree from Syracuse University a Bachelor of Science degree from Ithaca College . Frequently appearing on television and radio programs commenting on the consumer debt crisis in America , Mr. Warren is a member of the Writers Guild of America, west.