is an energetic speaker,
author, personal finance expert, and article writer
she was once in $19,000 in debt making $21,000 a year and was able
to get out of debt without filing for bankruptcy. She is also the
CEO and owner of H.E. Freeman Enterprises which provides credit
repair services to help people restore their credit rating. She
has provided credit repair and debt management seminars to various
audiences such as FedEx.
What was your inspiration for writing How To Get Out of Debt?
I got into debt when I was in college. I got approved for my
first credit card and then kept signing up for more credit cards
ending up with a total of 13 credit cards. I wanted to help others
so they don't make the same
mistakes I did.
Tell us about your book
My book provides step by step details on how to repair your
credit and how to get out of debt. The book provides information
on repossessions, judgements, tax liens, divorce, collections and
delinquent debts. The book also provides information on how to
create your own flexible spending plan and how to maintain your
good credit, resource information listed, sample letters and
spending plan worksheets.
Your website provides a lot of information for visitors.
Describe your services and how patrons can expect to benefit
I assist my clients with
restoring their good credit and helping them develop better
and money management skills so they don't make the same mistakes
and can continue to maintain their good credit.
Tell us how long you've been writing and what made you get
into the literary field.
I have been writing since 2002. I received a sales postcard in
the mail asking to take a test to see if you are a writer. I
passed the test and then enrolled in several writing courses.
When you wrote How To Get Out of Debt, how many hours a
week did you devote to writing, including research?
I did about six months of research. I bought several books on
personal finance as well as books on writing, marketing and
publishing. I wrote every day for about 3 to 4 hours for
approximately 6 months.
How do you keep a balance between family, work and
It is very difficult, they are never enough hours in the day
but I enjoy writing so I don't mind sometimes losing sleep to do
Have you ever experienced writer's block, and if so, how
did you deal with it so you could begin to write again?
No, I have never experienced writer's block. I get ideas all
during the day and night and have to keep a pad of paper with me
to jot down my notes, sometimes I even write my notes on napkins.
Are you devoted to writing nonfiction books or do you see
yourself writing in another genre at some point in the future?
For now I am devoted to writing nonfiction books. I have a lot
of other ideas for books that I wish to complete, once I complete
those I may decide to delve into fiction books.
Are you working on new material? If so, please tell us
about what you are currently working on and when we can expect to
see it on the market?
I have written a children's book and a self help book for women
and girls. The self help book for women and girls should be out
sometime next year. I also started writing my autobiography to
provide inspiration to others who have experienced difficult
situations in their life.
Do you have any appearances planned?
I just had a book signing at Walden Books on September 1, 2007,
I will be
on WOKB 1600 AM, The Alliance
Report on September 5, 2007 at 11:00 am , I will be on the Valder
Beebe Show on September 8th at 10:00 am , I will also be doing a
book signing on September 28, 2007 at the Congressional Black
Caucus Authors Pavilion. I will also be doing a book signing at B.
Dalton Book in Washington DC near the end of
What would you like to see happen in your writing career
5-10 years from now?
I would like to be a nationally known writer and speaker. I
would like to have 5 New York Times best sellers.
Do you have a newsletter, if so, where interested persons
Yes I sent out a free
Persons who wish to
sign up can go to
Where can we purchase your book?
My book is available for purchase at Borders, Walden Books,
Barnes & Noble, A Good Book, Amazon.com, Ecampus.com
What last words of encouragement or advice would you like
to leave with our subscribers?
You don't have to be in debt for the rest of your life, you can
get out. The only way to change your financial situation is to
change your spending habits and the way you think about money.
Money can generate wealth or generate debt, you make the choice.