If you're in debt … and ready to get out of it … you'll appreciate our new book, Slash Your Debt.

In our usual easy-reading, conversational style, we lay out the pros and cons of all your debt consolidation alternatives - including low-rate credit cards, home equity loans, and borrowing against your 401(k). Then we offer concrete strategies to make the payoff as painless as possible.

Whether you owe $5,000, $10,000, $15,000 … or more, whether your credit report is perfect, a mess, or some place in between, Slash Your Debt will make it easy for you to get out from under -- without paying a penny more in interest than you have to -- as it gets you on track to creating a bright future for yourself and your family.

First, we'll help you choose the right consolidation loan, given your particular circumstances. You'll have one monthly payment (or at least fewer of them) … at an attractive interest rate and with reasonable repayment terms. You'll save time, money, and hassles.

You'll learn the traps, too, so you won't pay more with a debt consolidation loan. (It happens, folks.) But if you follow our advice, you'll avoid the pitfalls as you get out of debt -- and stay out. You'll learn why a 13% card can cost more to pay off than a 19% one, where to get consolidation loans with no credit check, and when home equity loans are a lousy deal.

Then we'll show you how to pay off your debt as soon as possible, ideally in no more than three to five years. Chances are, you'll be as amazed as we were by how little you have to send in to make that a reality.

For example, say you owe $10,000 on a credit card, and the current interest rate you're being charged is 17%. If you only send in the minimums, you'd spend $33,447 by the time you have the debt paid off … 50 years from now!!!

But cut that interest rate to 11%, and you'll be free and clear in five years, by sending in just $217 a month. You'll save over $20,000, more than twice what you originally owed!

There are a bunch of easy-to-read tables in Slash Your Debt that will quickly show you how much to send in, and we offer lots of specific tips that will help you pay off your debts faster, at less cost … based on the personality profile that fits you best. Are you …

An Evader? You'd rather not have to think about your debts. Like Scarlet, you'll think about it tomorrow.

Impatient? Like the eternal dieter, you need to see results quickly to stay motivated.

Organized? You balance your checkbook every month, and even your junk drawer looks neat.

A Super-Saver? You're committed to getting out of debt as quickly as possible and at the absolute lowest cost.

Whatever your personality type and no matter what type of debts you have, Slash Your Debt will help you consolidate your debts … and save you money. We guarantee it!