In her book, Get Out of Debt and Get an "A" Credit Rating for Free", Harrine Freeman provides step by step details on how to repair your credit, get out of debt, how to create your own flexible spending plan and how to maintain your good credit without having to go to a credit counseling agency or file for bankruptcy. The book also includes the personal story of how Harrine Freeman was $19,000 in debt while earning $21,000 a year and was able to get out of debt without filing for bankruptcy.Eloiza Martinez, retired Vice President of Wells Fargo Bank and Latina community leader discusses strategies to save and budget even when you have no money to save. A fascinating interview with wonderful tips...can't be missed!