I bought and read the book and found it very repetative, and more like "how to try and avoid your debt". There is pleny to free information on the internet you may find more beneficial, and rather than spending money you could probably use for this months payment, or at least dinner tonight, I'd research your solutions online. There is some valuable information contained in the book, but your best bet is to research it online for free, or contact a company to assist you with your debt.