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Scott Bilker Scott Bilker is the founder of DebtSmart.com and author of the best-selling books, Talk Your Way Out of Credit Card DebtCredit Card and Debt Management, and How to be more Credit Card and Debt Smart. Receive the 5-Year Loan Spreadsheet when you subscribe to his email newsletter.


The author and Press One Publishing shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained in any software and/or books. The information, methods and techniques described by the author are based on his own experience.

They may not work for you and no recommendation is made to follow the same course of action. No representation is made that following the advice in any book or software product will work in your case. The author and publisher expressly disclaim any and all warranties, including but not limited to warranty of fitness for particular use.

Everyone’s financial situation is different. The books and software at DebtSmart.com are designed to provide information in regard to the subject matter covered. They are sold with the understanding that the publisher and author are not engaged in rendering legal, accounting, financial planning, or other professional services.

If legal or other expert assistance is required, the services of a competent professional should be sought. It is not the purpose of any book or software product at DebtSmart.com to reprint all the information that is otherwise available to the author and/or publisher, but to complement, amplify and supplement other texts.

You are urged to read all the available material, learn as much as possible about credit cards/debt management, and to tailor the information to your individual needs. For more information on this subject visit your library or ask a trusted financial professional where you can locate more details pertaining to your personal finances.

Credit card and debt management alone will not entirely solve all your credit problems, it is a methodology for organizing and understanding some aspects of your overall financial situation. For many people, this organization and understanding is enough to make them more aware of their spending and therefore, aid in relieving credit burdens by saving money on interest payments.

Every effort has been made to make all DebtSmart.com books and software are as complete and as accurate as possible. However, there may be mistakes; typographical, mathematical or in content. Therefore, each product should be used only as a general guide and not as the ultimate source of credit card and debt management information.

Furthermore, our products contains information on this subject only up to the printing date. The purpose of all DebtSmart.com and Press One Publishing products are to educate and entertain.


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