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The 2020 edition of Surviving Debt is available to all for free until June 1, 2021. To read the digital edition for free, click here. Use the Table of Contents on the left side menu to navigate through the chapters.
*Use the bookstore to purchase print copies. E-books are available from your preferred retailer here.

A leading resource for over 25 years, this fully updated, 50th NCLC Anniversary commemorative edition of Surviving Debt provides precise, practical, and hard-hitting advice from the nation’s consumer law experts on how to deal with crushing debt affecting millions of Americans.

Surviving Debt tells you what consumers need to know about:

  • Stopping Debt Harassment
  • Dealing with Credit Card, Medical, and Student Loan Debts
  • Which Debts to Pay First
  • Essential Information about Credit Reports
  • Collection Lawsuits
  • Vehicle Repossessions
  • Saving Your Home from Foreclosure
  • When and When Not to Refinance
  • How to Defend Collection Lawsuits
  • Debts Related to Criminal Law
  • When and Whether to File for Bankruptcy, and much more.


SAVE: $15 for 10+; $12 for 100+. To place a bulk order, contact us at or at (617) 542-9595.
E-books are available from your preferred retailer here.


"A wealth of expert legal advice on dealing with an overwhelming debt burden."
— Senator Elizabeth Warren, Founder, Consumer Financial Protection Bureau

"Outstanding manual. Seldom is such useful, authoritative information available for so small a price!"
— Booklist

"A gold mine on topics like how to handle collectors, which debts to pay first, and how collection lawsuits work."
— U.S. News and World Report

"Great advice, from the nation’s experts, on how to pull yourself out of debt."
— Jane Bryant Quinn

"The best book available for consumers in financial trouble."
— Stephen Brobeck, Executive Director, Consumer Federation of America