GEORGETTE MILLER. georgettemiller.com

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1 At age 19, Georgette Miller immigrated to the United States from Jamaica with $200 borrowed from a friend and the clothes on her back. Through perseverance, sacrifice, faith, and hard work, she put herself through John Jay College of Criminal Justice in New York City and Rutgers School of Law. This attitude and a desire to help others launched Georgette Miller and Associates. In her words, We help people who are in financial fallout, paving a new start to living debt free. In her seminars around the country, Georgette uses her personal experiences to guide consumers on the road to financial security. She says, Don t let FEAR steal your dreams and, in turn, rob the world of the dreams that are in you. Run your life like a business. Use your head and try to keep your heart out of the business. She has followed this philosophy and understood early on that everything leads to something. After obtaining her Juris Doctorate degree from Rutgers School of Law Georgette entered the legal corporate world. Over the years she practiced in some of the top national and international law firms in the country. Along the way she became in-house counsel with Pennsylvania Real Estate Investment Trust in Philadelphia. This experience and knowledge of the real estate industry has been invaluable to her clients who find themselves under the yolk of foreclosure. While working full time at Wolf, Block, Schorr and Solis-Cohen, she earned a Master of Laws (LLM) degree in Taxation from Temple University School of Law. Echoing in her mind were her mother s words, You are never too old to learn something new. After the crash in 2008, Georgette left a six-figure job in one of the top law firms in the legal industry to strike out on her own and help those who had been negatively impacted by the economic downturn. She had taken to heart her childhood learning from the Bible, For what shall it profit a man if he shall gain the whole world and lose his own soul? After making this decision she told one of the firm s partners about her new venture. I m going to help people file for bankruptcy. A lot of people are hurting, and I can help alleviate some of this hurt. The partner looked at her skeptically and said, Wait a minute. Let me get this right. You re leaving your job that makes you good money to do work for people that have no money? Child, have you lost your mind? Today she has five law offices under the banner of Georgette Miller and Associates, P.C. Miller is the H.R. BLOCK of Bankruptcy, helping consumers -small and large - get out of debt and back on the road to recovery. Her clients benefit not only from her knowledge and wisdom but from her caring heart and straight forward honesty to improve their circumstances through her legal services. Not one to rest on her laurels, Georgette can be heard weekly on a number of radio stations across the country. Georgette is also the author of Living Debt Free: What Credit Score, Fear Mongers and Debt Peddlers Don't Want You to Know. PR Contact: VANESSE LLOYD-SGAMBATI THE LITERARY MEDIA AND PUBLISHING CONSULTANTS [email protected] (215) 878-BOOK

2 LIVING DEBT FREE What Credit Score, Fear Mongers and Debt Peddlers don t Want You To Know The economic downturn has wreaked havoc in people s lives. Job loss and home foreclosures have soared. People are struggling to pay their bills and raising credit card debt. Aware that most people fall prey to false financial information and feel they re simply stuck with crushing debt, Georgette Miller, Esq. set the record straight in LIVING DEBT FREE: What Credit Score, Fear Mongers and Debt Peddlers Don t Want You to Know. Most consumers are often unaware of the downside of debt consolidation, debt settlement and student loans. Many have misconceptions regarding their credit score that keep them in debt. In the book she provides the FACTS about everyone s legal right to become debt free and how to use this fresh financial start to build a secure future. Living Debt Free is a simple step-by-step guide to fulfilling this goal Some of the topics covered in the book are: Why debt consolidation and debt settlement aren t the best answers When Chapter 7 or Chapter 13 bankruptcy are effective options How bankruptcy affects your retirement account, home, and car What solutions you may have if you re facing foreclosure What really happens to your credit score after bankruptcy ABOUT THE AUTHOR: Georgette Miller, Esq. has law offices in five states, New York, Pennsylvania, Maryland, Delaware and New Jersey. Through her practice and media platform she offers real-world advice on how to get and stay out of debt. She is host of the Georgette Miller Show on Wilde Media TV Network and is featured on radio programs in New York, Pennsylvania, Delaware, Maryland, and Washington, DC.

3 IN HER OWN WORDS GEORGETTE MILLER FEAR Don t let fear steal your dreams and, in turn, rob the world of the dreams that are in you. GET OFF THE DEBT PLANTATION Societal pressures and advertising have convinced us we can t live our personal day-to-day lives without accruing debt. As a consequence many of us have taken up residence on a debt plantation and don t see a way out. HAVE NO SHAME Cast aside the shame of bankruptcy. Think corporate. Everyone has the right to get out of an unsustainable financial situation. It s the first leg of your financial stool. CASH IS KING The best way to stay out of debt is to use cash for daily necessities. SAVE Even in your financial fallout a dollar goes a long way. Start saving as early as possible, and save a little over a long period of time. BE PREPARED Purchase insurance to shelter yourself from causalities or disaster when stuff happens. LIVE WITH BALANCE Always live below your means - save and invest the difference. This doesn t mean living in a dump or eating substandard food. But be a wise consumer. UNDERSTAND YOUR OPTIONS Not all services in the industry offer a way of Living Debt Free. Debt Settlement and Debt Consolidation companies want you to continue to pay but why are you paying when you have the legal right to pay nothing?

4 THE LITERARY MEDIA AND PUBLISHING CONSULTANTS LIVING DEBT FREE What Credit Score, Fear Mongers and Debt Peddlers Don t Want You To Know By Georgette Miller The economic downturn has wreaked havoc in people s lives. Job loss and home foreclosures have soared. People are struggling to pay their bills and raising credit card debt. Aware that most people fall prey to false financial information and feel they re simply stuck with crushing debt, Georgette Miller, Esq. set the record straight in LIVING DEBT FREE: What Credit Score, Fear Mongers and Debt Peddlers Don t Want You to Know. Most consumers are often unaware of the downside of debt consolidation, debt settlement and student loans. Many have misconceptions regarding their credit score that keep them in debt. In the book she provides the FACTS about everyone s legal right to become debt free and how to use this fresh financial start to build a secure future. Living Debt Free is a simple step-bystep guide to fulfilling this goal Some of the topics covered in the book are: Why debt consolidation and debt settlement aren t the best answers When Chapter 7 or Chapter 13 bankruptcy are effective options How bankruptcy affects your retirement account, home, and car What solutions you may have if you re facing foreclosure What really happens to your credit score after bankruptcy If you would like to set up an interview please contact Vanesse Lloyd-Sgambati at (215) / (215) or [email protected] ABOUT THE AUTHOR: Georgette Miller, Esq. has law offices in five states, New York, Pennsylvania, New Jersey, Delaware and Maryland (including Washington, DC and Virginia). Through her practice and media platform she offers real-world advice on how to get and stay out of debt. She is host of the Georgette Miller Show on radio programs in New York, New Jersey, Pennsylvania, and Maryland. LIVING DEBT FREE What Credit Score Fear Mongers and Debt Peddler Don t Want You To Know Publication Date: December 2012 $19.95 Published by Mentor Equity Press ISBN:

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