What are the most common financial problems for Americans these days? Debt and credit issues. Millions of people are drowning in debt of all kind: excessive credit card debt, enormous student loan debt, and of course, hefty mortgage debt. If all that wasn't bad enough, one out of five adults in the U.S. also has bad credit, according to the credit bureau Experian.

To combat the debt and credit crisis facing so many individuals, I'm kicking off a week-long giveaway, just for my readers on AOL Black Voices. The giveaway is simple: You get a chance to win the e-book versions of my New York Times bestseller, 'Zero Debt: The Ultimate Guide to Financial Freedom,' and my newest book, 'Perfect Credit: 7 Steps to a Great Credit Rating.'

Many of you who have seen me on 'Oprah,' 'The Tyra Banks Show,' ABC, CNN, and elsewhere know that I wrote 'Zero Debt' after I personally paid off $100,000 in credit card debt in just three years. 'Zero Debt' will teach you how to become debt free too. Even if you have no debt at all, 'Perfect Credit' is a must-read for anyone who wants to establish outstanding credit or rebuild their credit rating, boosting their FICO credit score to 760 points or higher. Both books have been combined into a single e-book that you can read on any computer, Kindle, or your favorite e-book reader.

To win your free e-books, just email astodghill07@aol.com, explaining why you deserve to win in 1,000 words or less. (You will be emailing Alexis Stodghill, the editor of the BV on Money blog.) We will personally contact you if you win!

This giveaway will last for one week, from Monday, October 25, through Sunday, October 31, 2010. So be sure to email us by 11:59 pm ET on October 31.

-Ten lucky winners will be awarded the two e-books.

-One grand prize winner will receive autographed, paperback copies of both books as well as a 30-minute, one-on-one financial tele-coaching session with me, The Money Coach.

Finally, just to make sure that everyone gets something, for a limited time in October I'm also making available an online version of 'Zero Debt,' which can be accessed exclusively through my free financial advice blog, AskTheMoneyCoach.com. Just go to AskTheMoneyCoach.com and click on the 'Free Zero Debt' tab on the top right hand side. There, you'll find the 'Zero Debt' Online Course, which walks you through the entire 30-day action plan that I recommend in 'Zero Debt.'

Happy reading and good luck!

Click Here to Read the Full Rules for the Money Coach Books Giveaway.

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Lynnette Khalfani-Cox, an award-winning financial news journalist and former Wall Street Journal reporter for CNBC, has been featured in the Washington Post, USA Today, and the New York Times, as well as magazines ranging from Essence and Redbook to Black Enterprise and Smart Money. Check out her New York Times best seller 'Zero Debt: The Ultimate Guide to Financial Freedom.'