Audience:* The 35% of adults that have debts and unpaid bills that have been reported to collection agencies. (Urban Institute report July 2014.) * Consumers with high credit card, student loan, medical, or other debt.* People with modest or fixed incomes who need help managing money, such as military families, students, and the elderly.* People who are or recently were unemployed or underemployed and now face large debt loads, foreclosure, or car repossession. * Americans are in debt. 77 million consumers in the U.S.

have past-due debts in collection. The average debt for these people (not including mortgages) is $11,500. * What makes Money Troubles unique? Unlike the "quick fix" schemes that abound (and don't work),this comprehensive guide covers all of your options for managing, and getting out of, debt. * Hands-on help. Money Troubles includes sample letters to landlords, creditors, debt collectors, and credit card issuers readers can tailor to their specific situations. * What's new? Changes to student loan repayment programs, what to watch out for with new direct deposit procedures for federal benefits, consumer protection programs added by the Consumer Protection Financial Bureau, and more.