The book reflects the experienced methods that the author used to get herself out of debt, improve her credit reports and increase credit score. It has detailed steps to follow along with actual letters that can be revised to fit your needs. Information on credit agencies, consumer rights and those that governs what a creditor/collection can or cannot do is included. It guides you on ways to handle your creditors and helps take the fear out of dealing with them. Those that are experiencing a lot of debt will find this book very helpful. It will guide you through removing your debt and ways to manage your finances. There is a section on bankruptcy as a last resort. Pick up a copy it is well worth the cost.Each section deals with a specific problem people have when they are in debt. One deals with the credit reporting agency; another with the documents you will need to begin your project. A short summary is given at the end of each section as a reminder of what you read. This book is small in size but full of valuable information that can be used over and over. It can be shared with other family members or friends. If you are having a problem with debt, wanting to know how to improve your credit report, ways to increase your credit score or ideas on managing your finances this is the book for you. It will help you to get out of debt and be well on your way to a debt-free life. What you will save in paying bills will more than pay the cost for this valuable book 10X over. You will want to have this book handy for years to come. You want to be debt-free, have a high credit score and able to purchase the things you want? Then get yourself a copy of "Your Self Help Guide to Debt & Credit Management." It is now available to help others free themselves of those over bearing debts.