As the former president of the National Consumer Council, Warren has helped thousands of families find relief from crippling debt. This book offers a continuation of his work, aimed at rescuing the millions of potential readers who are teetering on the edge of bankruptcy. This no-holds-barred examination of the American debt crisis reveals the inner workings of the personal debt industry, while presenting lessons and action plans for readers who want to reclaim a debt-free life. Readers will find relief in understanding that they are not alone in struggling with their financial problems. With powerful first-person testimonies, well-researched background material, and a conversational yet authoritative tone, the book provides readers with the confidence and the skills they need to overcome the shame of debt, take control of their finances, and live a comfortable life well in the black.