Drowning in Debt: The Step-by-Step Survival Plan to Stop the Bleeding, Protect Your Income, and Take Back Control

What to do in the first 90 days when bills outpace your paycheck

By: Daniel Mercer

Narrated by: Virtual Voice

When you're drowning in debt and every paycheck disappears before it hits your account, you don't need another lecture about budgeting. You need a survival plan.

If you're months behind on bills, facing collection calls, or lying awake at 3 AM wondering which creditor to pay first—this book is for you.

Written by someone who's been there: The author climbed out of over $100,000 in debt while supporting four young children and facing 18 months of unemployment. But here's what makes this book different: as an attorney who has also represented companies in debt collection matters, the author knows the creditors' playbook from both sides of the table.

This is not another personal finance book. This is crisis-level debt triage for people who need to stop the bleeding right now.

You'll learn:

• Which debts will destroy you first (and which ones can safely wait)
• How to prioritize bills when you can't pay everything
• How to negotiate settlements for 30-60% of what you owe
• How to protect your income from garnishment and legal action
• When bankruptcy is the right move (and when it's not)
• How to create breathing room and rebuild credit while still in debt

This book assumes:

• Your expenses exceed your income
• You don't have savings or family money to fall back on
• You're already working hard and still falling behind
• You need tactical, immediate solutions—not philosophical money advice

No shame. No lectures. Just a ruthlessly practical survival plan from someone who made it out and can show you the way.

If you're choosing which bills to pay and which to skip, if collection letters make your hands shake, if you feel like you're drowning and can't see daylight—this book will throw you a lifeline.

Stop the bleeding. Stabilize your situation. Take back control.