DEBT SOLUTIONS: A Way Out for Every Walk of Life (Faith, Plain Math, One Step at a Time)
Debt is a number. Not your name.
Paying the minimum on a $3,000 card at 24% with a $90 payment takes about 56 months and about $2,000 in interest. Put $300 a month on it and it's gone in about 12 months, with under $400 in interest. Same money. Different plan.
DEBT SOLUTIONS is that plan, in plain words, for every walk of life. Especially if you have a record, bad credit, or nobody ever taught you money.
What's inside:
- What God really says about debt, and why He is not mad at you
- The 10/10/25/55 plan: Give 10%. Pay Yourself 10%. Destroy Debt 25%. Live 55%.
- Snowball or avalanche: pay your debts in the right order
- The exact words to say to creditors, collectors, and court clerks
- Coming home from prison: fines, child support, ID, jobs, and bank accounts
- When the system wasn't built for you: costly money and better tools
- Student loans, medical bills, payday loans, and the IRS under the 2026 rules
- 100 legal tricks for 2026 and 44 places to get real help
- Fill-in worksheets, a 30-day start plan, and scripts to read on the phone
Built on Scripture (KJV), with ideas from Dave Ramsey, Myron Golden, and Think and Grow Rich, explained simply. No fluff. One task at a time.
391-page large-print PDF (14-point type). Instant download. Read it on any phone, tablet, or computer, or print the worksheets.
Why now? 2026 changed the rules. Old advice will cost you.
What do you have to lose? One more year of the same bills.
Education only. Not legal, tax, or financial advice. Dave Ramsey, Myron Golden, and Napoleon Hill did not write or endorse this book.
