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Surviving Debt is available to all for free during the COVID-19 emergency. 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