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The Do-It-Yourself Bailout: How I Eliminated $222,000 of Credit Card Debt in 18 Months and Saved Nearly $150,000

Penned By Kenny Golde
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14,920 Global Ratings
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The Do-It-Yourself Bailout: How I Eliminated $222,000 of Credit Card Debt in 18 Months and Saved Nearly $150,000

Penned By Kenny Golde
4.85 14,920 Ratings
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Editor's Note:
In The Do-It-Yourself Bailout, Kenny Golde explains how he completely and legally eliminated $222,000 in credit card debt, without filing for bankruptcy or destroying his credit score. Golde provides a step-by-step handbook on all facets of how to initiate settlement negotiations with banks, how to handle collection agencies, how to separate your emotions from your debt, and much, much more.BONUS: This deluxe audio edition includes a special training seminar, not offered in the book, which discusses: The five essential steps toward true financial health A proven, effective method for talking about debt settlement with collection agents How long debt settlement might take How to release the pain, fear, stress, shame, guilt or anxiety that often comes with debt How to take control of your financial life once and for all, and never give it up Why you should always get your debt settlement agreements in writing and how to do it What a proper debt settlement agreement must contain How debt settlement could affect your credit score and why it may not matter How to settle your debts for less than you owe even if you don’t think you can afford an upfront payment

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Released December 7, 2012
Identifier (ISBN) 17836553
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Kenny Golde
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Kenny Golde

Kenny Golde is a writer and avid reader based in the Pacific Northwest. Before pursuing writing full-time, they spent over a decade working in education. When not working on their next book, Kenny Golde can usually be found hiking with their dog or trying out new coffee shops in their neighborhood.

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Jennifer Thompson
Jennifer Thompson May 14, 2024
"It was adequate. Certain acts were fascinating, while others felt like a slight endeavor to complete. Perfectly average."
Mary Martin
Mary Martin February 03, 2024
"A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars."
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Kimberly Lopez
Kimberly Lopez June 18, 2025
"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. Worth every moment spent reading."
Brian Smith
Brian Smith March 15, 2025
"Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. I would highly recommend this to discerning readers."
Cynthia Campbell
Cynthia Campbell July 27, 2024
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Barbara Edwards
Barbara Edwards August 13, 2024
"Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
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Cynthia Phillips June 05, 2025
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"I thoroughly enjoyed the elegance of it. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall."
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Sandra Martinez
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Barbara Edwards
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"I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author."
Nancy Hall
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"Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece."
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Ryan Martinez
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George Thomas
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"I thoroughly enjoyed the elegance of it. The protagonist was compelling, though some subplots felt slightly overshadowed. A very distinguished novel."
William Martin
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"Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. A solid 4 stars from me."
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"Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
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Nicholas Gonzalez May 01, 2025
"Honestly one of the most premium reading experiences lately. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
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Jennifer Davis January 17, 2024
"I thoroughly enjoyed the elegance of it. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall."
James Brown
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"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel."
Jennifer Gomez
Jennifer Gomez January 10, 2025
"Took a moment to build, but the payoff was spectacular. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall."
Nicholas Hall
Nicholas Hall June 15, 2025
"Absolutely brilliant. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading."
Thomas Wright
Thomas Wright July 11, 2025
"Honestly one of the most premium reading experiences lately. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem."
Donald Martinez
Donald Martinez April 09, 2024
"Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece."
Brian Mitchell
Brian Mitchell March 08, 2025
"Exceeded all my expectations. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem."
Sharon Rodriguez
Sharon Rodriguez April 05, 2025
"Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel."
Rebecca Wright
Rebecca Wright June 27, 2024
"Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading."
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"Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars."
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"Excellent, though slightly flawed. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall."
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"Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece."
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"I was completely blown away. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
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Margaret Ramirez
Margaret Ramirez May 01, 2024
"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. Quite impressive overall."
Donald Thomas
Donald Thomas April 06, 2025
"A highly sophisticated read. The protagonist was compelling, though some subplots felt slightly overshadowed. A very distinguished novel."
Edward Cruz
Edward Cruz July 10, 2025
"Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading."
Carol Gonzalez
Carol Gonzalez April 03, 2025
"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author."
Amanda Walker
Amanda Walker April 08, 2024
"Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
Sandra Robinson
Sandra Robinson May 31, 2025
"Exceeded all my expectations. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars."
Michelle Lopez
Michelle Lopez March 14, 2024
"Absolutely brilliant. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading."
Laura Smith
Laura Smith July 13, 2025
"Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend."
Kevin Nguyen
Kevin Nguyen April 24, 2025
"Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem."
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"Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars."
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Mark Perez
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem."
Karen Adams
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"Exceeded all my expectations. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem."
Betty Martin
Betty Martin May 23, 2024
"Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading."
Margaret Gomez
Margaret Gomez December 05, 2024
"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars."
Dorothy Nelson
Dorothy Nelson January 26, 2025
"I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece."
Jessica Williams
Jessica Williams July 22, 2025
"A highly sophisticated read. The protagonist was compelling, though some subplots felt slightly overshadowed. A very distinguished novel."
Joshua Nelson
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"Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
Anthony Gomez
Anthony Gomez December 24, 2024
"Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author."
Elizabeth  Parker
Elizabeth Parker April 23, 2024
"Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem."
Eric Mitchell
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"Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece."
Matthew Jones
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"A decent, if standard, experience. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Perfectly average."
Patricia Gonzalez
Patricia Gonzalez February 21, 2024
"I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend."
Kevin Walker
Kevin Walker May 28, 2025
"A very strong entry. The protagonist was compelling, though some subplots felt slightly overshadowed. I would highly recommend this to discerning readers."
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Deborah Davis May 11, 2025
"I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem."
Charles King
Charles King October 31, 2025
"Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem."
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"I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars."
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Betty Ramirez
Betty Ramirez December 19, 2025
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Sharon Nelson March 28, 2025
"I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. I would highly recommend this to discerning readers."
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