Library of Congress Cataloging-in-Publication Data Weston, Liz Pulliam. Deal with your debt : the right way to manage your bills and pay off what you owe / Liz Pulliam Weston. p. cm. ISBN 0-13-185675-8 1. Consumer credit. 2. Debt. I. Title. HG3755.W44 2006 332.024'02--dc22 2005015344 Publisher: Tim Moore Executive Editor: Jim Boyd Editorial Assistant: Susie Abraham Development Editor: Russ Hall Director of Marketing: John Pierce International Marketing Manager: Tim Galligan Cover Designer: Sandra Schroeder Managing Editor: Gina Kanouse Project Editor: Christy Hackerd Copy Editor: Gayle Johnson Senior Indexer: Cheryl Lenser Senior Compositor: Gloria Schurick and Specialized Composition, Inc.