Purchase the completely downloadable Owe Zone Utility Suite package which contains all that you need to negotiate your debt, help to manage family issues and much more, all for the total price of $49.98.

• 12 modifiable, printable letters to use for creditor/collector negotiations with instructions for when and how to use them.
• Telephone scripts to use with creditors/collectors.
• 15 page, easy to follow instructional manual.
• Budgeting forms
• Answers to a multitude of frequently asked questions
• Easy to understand summary of the NEW Federal Law . . . ”CARD”
• Money saving tips for the whole family
• Information and help in managing conflict
• Additional links to informative sites.
• Summary of the Federal Fair Credit Reporting Act
• “How to Live Debt Free” by G. Wm. McDonald (retail $9.98)
• How to handle a court matter.
• Modifiable form letters for miscellaneous situations: Landlord/tenant issues and many more.