Acknowledgments

Debt can be a complex topic. I’m grateful for all the expertise so freely given over the years by financial planners, credit score experts, bankruptcy attorneys, and others who help people deal with their debt. Among those who deserve special acknowledgment: Gerri Detweiler of DebtCollectionAnswers.com; Henry J. Sommer, former president of the National Association of Consumer Bankruptcy Attorneys; Steve Rhode, the Get Out of Debt Guy at www.getoutofdebt.org; and Craig Watts and Anthony Sprauve of FICO. Thanks, too, to all the readers who have shared their problems and triumphs with debt over the years.