About the Author

Ako si Max. Dati akong nabaon sa utang. I spent more than I earned. I used my credit cards for purchases I really do not need. But then, after receiving calls from various banks, I was bothered. Because I only pay the minimum amount, lumobo ng lumobo ang aking mga utang. Napakalaki ng interest. Hindi ko na kayang bayaran. I was in dire situation. Demand letters started to come mula sa mga law firm. Mula noon, hindi na ako makatulog. Paano ko kaya mababayaran lahat? Ano kayang magandang gawin? 

I asked my friends on what to do. They helped me think of possible solutions. After few years, I am now debt-free. Naiisip ko, marami ring katulad ko ang nasa ganoong sitwasyon kaya naisipan kong ibahagi ang aking karanasan at mga ginawang paraan para makaahon sa pagkakautang.