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Stories of the Indebted (Audible Audio Edition) Jorge P Newbery Larry Wayne LLC Community Books Books

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Millions of Americans today are mired in unaffordable debt. While breaking the chains of debt may feel like an insurmountable problem, a debt-free life is not out of reach.

Jorge Newbery was once $26 million in debt. He needed a way out. When one of his creditors made a sloppy legal mistake, he battled them all the way to the Missouri Court of Appeals - and won. Newbery then applied what he learned to his other debts. One after another, his debts were either settled or gone forever.

Today, Newbery shares what he discovered with others crushed by unaffordable debts. He is the founder and CEO of American Homeowner Preservation and DebtCleanse.com, both dedicated to helping debtors escape from the financial nightmares he faced.

In Stories of the Indebted, Jorge recounts the heartbreaking financial tales of regular Americans struggling with unaffordable debt. Along the way, he imparts strategies, tools, and techniques to settle debts at big discounts and start a path towards debt-free living. Newbery shows how debtors can take control and regain the most important thing they've lost hope.

Stories of the Indebted (Audible Audio Edition) Jorge P Newbery Larry Wayne LLC Community Books Books

Stories of the Indebted ISBN: 9781619613256, Community Books, an e-book by Jorge P. Newbery.
Theme: The author presents several stories (“many based on true events”) of individuals who are in advanced and seemingly overwhelming debt from Credit Card usage, student loans, mortgages far beyond the present property value and others. He begins with a chapter describing how he: “Settled a $5,800,000 Debt for $225,000.” This is followed by step by step procedures for each debtor to reach a similarly satisfactory solution. He describes how: “Borrowers can gain leverage (on their debts) by not paying, exploiting deficiencies and eventually settling debts at big discounts or not paying at all.” And: “Yes, many times we use the legal system as part of the process. It’s legal.”
Discussion: The author has provided a ‘story’ that brings forth an immediate, and very dichotomous, reaction. The traditional conservative immediately will be consumed with resentment that non-payment of debt not only is condoned but actually is provided with a plan for its accomplishment. However, as the story progresses, he/she is presented with numerous examples that make one reflect on statements expressed by some politicians of a need to clear extensive corruption from the country’s presently disastrous business/legal/monetary system. He claims that the government and big banks are the worst record keepers with respect to errors, deficiencies and missing documents. He also states that much of the nation’s college debt results in large part from these factors. UCLA’s tuition is set forth as an example. Tuition in 1980 was $776; 2015 it was $13,218. Reason suggested: Reduction of public funding. Reason for reduction suggested: Sallie Mae owns a large portion of student loans. They also employ 63 lobbyists who encourage states to reduce and/or eliminate taxpayer support. Appointment of businessmen as college presidents is encouraged today so they can be run more ‘businesslike’ and coincidentally raise more money. This frequently is costly; e.g. in 2013 Ohio State President, E. Gordon Gee earned over $6,000,000. Additionally the author provides an example of situations where conflict of interest so easily could arise. The University of California is governed by a Board of Governors. One prominent member is Richard Blum whose firm Blum Capitol Partners owns for-profit colleges whose primary source of revenue is federally guaranteed student loans and grants authorized by congress. Blum is married to congressional member Dianne Feinstein. An interesting aside: “Blum’s for-profit college company is Career Education Corporation, which in 2010, reported 85% of total revenue consisted of federal education funds. Over 96 % of CEC students obtained student loans.” And: “CEC spent about $1500/student instruction in 2009 compared to over $3000/student on marketing and earned $1500/student profit.”
Conclusion: The author has set forth a proposal that certainly will produce quite dichotomous opinions. Some will totally agree and may find it most helpful while others will find the general premise totally unacceptable. However, I’m sure ALL will agree that this is a most thought provoking presentation especially in this particular time of grossly evident unrest. They perhaps may even move to an even greater ‘in depth’ consideration of the conflicting considerations constantly provided with respect to education, its funding, taxes and the existence/non-existence of governmental mismanagement.

Product details Audible Audiobook Listening Length 3 hours and 37 minutes Program Type Audiobook Version Unabridged Publisher Community Books, LLC Audible.com Release Date October 5, 2016 Whispersync for Voice Ready Language English, English ASIN B01M00XEYI

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Stories of the Indebted (Audible Audio Edition) Jorge P Newbery Larry Wayne LLC Community Books Books Reviews

This is a small collection of how a few people in the US got into horrible debt, and how Newbery helped them get out of it, mainly by not paying, and relying on the lenders not having their paper work in order, or more often, people who have bought up the debt at a huge discount and are trying to make a big profit. They probably do too, because while Newbery believes his procedure will solve the problem, it involves a lot of legal work, and most people will probably give in well before that. Besides that, it also looks at some of the financial tyranny imposed by the very rich, and accordingly gives a rather ugly view of some of the worst aspects of American finance. My main interest in this book was as a novelist looking to gather some information about the financially challenged, and in the end it is more a book in which Newbery is on a crusade to show people how they might be able to get out of paying their debts. My guess is this will only work in the US, because it depends on specific legal points, and given that the lenders will have cottoned on to previous legal deficiencies, it may not work now. It is amusing, pleasantly written, but I would caution about taking it as too reliable a procedure for getting out of debt.
“Trudging ahead when everything is going wrong, not giving up when others would, and clawing back from collapse against extreme obstacles are what life’s best stories are made of.”

Entrepreneur Jorge Newbery has a dream, a dream to help people rid themselves of unaffordable debt. Comprised within this unique book are not only ways he has fought against banks and loan companies and won, but also the stories of others he has helped along the way.

What a remarkable must-have find! I love how Newbery goes beyond the typical textbook teaching tool and gives us comprehensive knowledge in an enjoyable read. Not only did I learn I’m not alone with overwhelming debt, but I learned creatively how to work with the big banks to reduce my debts. Most books on this subject are usually full of fluff and impossible dreams of ways of debt elimination that will never work, but not so with Newbery’s. I found his to be honest, believable and straightforward, giving readers step-by-step knowledge in a storytelling form, which I found, was delightfully entertaining to read. I really love this book and highly recommend it since; sadly we all encounter some form of these situations at some point of our lives and need skillful advice in attaining results and Newbery has supplied them.
Stories of the Indebted by Jorge Newbery is a collection of stories centered around how Jorge got out of extreme debt or helped another person overcome their massive debt. The book is broken down into a series of chapters with each chapter title giving the main idea behind the story that is included. The general message included in the pages is that debt is a bad thing, but there is always a way to get out from under it. Jorge is very honest when he states that the best way to deal with debt is to never take any on. The second best way to deal with it is to pay it off quickly and only take on debt that you know you can pay off quickly. However, many Americans find themselves in situations, for whatever reasons, where they have taken on far too much debt and it is slowly destroying them. What do you do if you are faced with this kind of a problem? Jorge's thought is to look closely at what the debt collectors are doing and try to find mistakes. There are many laws and regulations that go along with debt collection, and collectors have been known to make mistakes. Sometimes they are small, other times they are substantial. Regardless, these mistakes can be exploited to the advantage of the person in debt and can result in a drastic reduction in the amount of money owed. I feel that anyone interested in learning more about the topic of debt would enjoy and learn from this, and anyone who is facing insurmountable debt could benefit from reading these stories. The writing was well done and very informative.
Stories of the Indebted ISBN 9781619613256, Community Books, an e-book by Jorge P. Newbery.
Theme The author presents several stories (“many based on true events”) of individuals who are in advanced and seemingly overwhelming debt from Credit Card usage, student loans, mortgages far beyond the present property value and others. He begins with a chapter describing how he “Settled a $5,800,000 Debt for $225,000.” This is followed by step by step procedures for each debtor to reach a similarly satisfactory solution. He describes how “Borrowers can gain leverage (on their debts) by not paying, exploiting deficiencies and eventually settling debts at big discounts or not paying at all.” And “Yes, many times we use the legal system as part of the process. It’s legal.”
Discussion The author has provided a ‘story’ that brings forth an immediate, and very dichotomous, reaction. The traditional conservative immediately will be consumed with resentment that non-payment of debt not only is condoned but actually is provided with a plan for its accomplishment. However, as the story progresses, he/she is presented with numerous examples that make one reflect on statements expressed by some politicians of a need to clear extensive corruption from the country’s presently disastrous business/legal/monetary system. He claims that the government and big banks are the worst record keepers with respect to errors, deficiencies and missing documents. He also states that much of the nation’s college debt results in large part from these factors. UCLA’s tuition is set forth as an example. Tuition in 1980 was $776; 2015 it was $13,218. Reason suggested Reduction of public funding. Reason for reduction suggested Sallie Mae owns a large portion of student loans. They also employ 63 lobbyists who encourage states to reduce and/or eliminate taxpayer support. Appointment of businessmen as college presidents is encouraged today so they can be run more ‘businesslike’ and coincidentally raise more money. This frequently is costly; e.g. in 2013 Ohio State President, E. Gordon Gee earned over $6,000,000. Additionally the author provides an example of situations where conflict of interest so easily could arise. The University of California is governed by a Board of Governors. One prominent member is Richard Blum whose firm Blum Capitol Partners owns for-profit colleges whose primary source of revenue is federally guaranteed student loans and grants authorized by congress. Blum is married to congressional member Dianne Feinstein. An interesting aside “Blum’s for-profit college company is Career Education Corporation, which in 2010, reported 85% of total revenue consisted of federal education funds. Over 96 % of CEC students obtained student loans.” And “CEC spent about $1500/student instruction in 2009 compared to over $3000/student on marketing and earned $1500/student profit.”
Conclusion The author has set forth a proposal that certainly will produce quite dichotomous opinions. Some will totally agree and may find it most helpful while others will find the general premise totally unacceptable. However, I’m sure ALL will agree that this is a most thought provoking presentation especially in this particular time of grossly evident unrest. They perhaps may even move to an even greater ‘in depth’ consideration of the conflicting considerations constantly provided with respect to education, its funding, taxes and the existence/non-existence of governmental mismanagement.