You Can Beat Credit Card Debt Collectors

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You Can Beat Credit Card Debt Collectors

Author : Brian GRAY
Publisher : Unknown
Page : 264 pages
File Size : 50,5 Mb
Release : 2019-06-10
Category : Electronic
ISBN : 1072968428

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You Can Beat Credit Card Debt Collectors by Brian GRAY Pdf

Junk debt buyers annually purchase millions of consumer accounts, raking in billions of dollars, and innocent people pay these junk debt buyers, because they did not know one simple truth...YOU DO NOT OWE JUNK DEBT BUYERS ANYTHING!Over the years since I first published the article that gave rise to my book, I have answered thousands of questions from readers who were living in fear, running from junk debt collectors who were trying to scare them out of their hard-earned and scarce money. Good people, who had fallen on hard times through no fault of their own, were being pursued by what I routinely call "Blood Suckers." I am not an attorney, just someone who has done a lot of research to benefit others, but, if someone wants to say that my advice does not work, then the thousands of people who have won their cases is silent testimony that it does. Here are just a few of their letters and comments to make the point. "Brian, I really want to thank you for your help and assistance for what you do. You may not know how many families you have saved as a result of your material. I learned from you what I never learned in school. The good news is that I sued Midland, and they deleted the account from my credit and paid me some money. In a nutshell, they settled with me without wanting to go to court. You rock, and I'm grateful."Dear Mr. Gray, I took your advice in this article, and I WON! Brilliant! It completely worked. I filed my answer, served a request for production, and BAM, the next thing you know, Portfolio Recovery was filing their Motion for Nonsuit. You saved me tons of money. I didn't get a lawyer. I almost did, but decided, 'What the hell?', and took a chance! Thanks for your terrific advice in this article.""Hi Brian, You have given me excellent advice regarding debt collectors coming after me. I think it was 2014, or 2015, but I won 5 out of 5 cases using your advice." "Brian, I just wanted to thank you for your article on beating debt collectors. I followed what you said, had my day in court, and won! Before reading it, I had no idea what my rights were, so again, thank you!" Every year, millions of ordinary people are trampled under the wheels of greedy corporations whose only desire is the bread off the tables of these poor people. Those greedy corporations are junk debt buyers. It does not matter what the names of those corporations are, they are all the same, because they have corrupted the legal system, twisted it and distorted it, so that they can rob defenseless and scared citizens who are barely surviving.The typical situation follows a pattern. You had a sudden chain of events that spiraled downward and eventually out of control, leaving you with greater debts than income. As the losses piled up, you began to default on your credit card debt, none of this having ever been the intention when you first signed up for the credit card. Embarrassed and broken, you hoped against hope that, somehow, you would get back on your feet, and this nightmare would be over...but in the end, while you were sitting in the ashes of what was left, you were sued by what you thought was the original creditor coming to take away your last ray of hope. However, who really came knocking was a low-life called a junk debt buyer who had bought your bad debt for pennies on the dollar, and he wanted to trick you into paying him the entire amount.A junk debt buyer, as an example, pays $5 for a bad account that had an outstanding balance to the original creditor of $1,000. He paid $5, but he demands that you pay him $1,000! How does this make any sense? Yet this example happens thousands of times each day in U.S. courts.According to statistics from the Consumer Financial Protection Bureau, one of these junk debt buyer conglomerates, from 2009 to 2015, paid about $4 billion for approximately 60 million accounts with a face value of $128 billion. This immoral business is BIG business!

Kill Your Cards

Author : Tim A. Swike
Publisher : Createspace Independent Pub
Page : 158 pages
File Size : 40,9 Mb
Release : 2012-02-01
Category : Self-Help
ISBN : 1470150565

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Kill Your Cards by Tim A. Swike Pdf

This is your chance to get out of credit card hell! This book covers everything you need to know to beat the debt collectors at their own game. If you can write a few letters, you can win! Did you know, even if you end up getting sued by a creditor, your lawsuit will mainly involve paperwork? You can do that. The time to fight is now! In this book, you will find example court pleadings, motions, opposition to motions, affirmative defenses, interrogatories, admissions, validation letters, sworn denials, and much more. Look through a diverse collection of real credit card and collection agency letters used to scare and intimidate you. Learn all of the tricks of the trade that the sleezy collectors use to get at your money. And find out how to force the collectors into offering you a settlement for pennies on the dollar. Or better yet, ride out the statute of limitations and never pay a cent on an alleged debt. The burden of proof is on them, not you and there is plenty of case law on your side just waiting to be used. So start fighting the bill collectors today. Don't be another victim of the big banks! This book also comes with a bonus website that contains news and updates to help you on your journey to debt freedom.

How to Deal with Debt Collectors and Win Every Time How to Beat Them at Their Own Game Credit Repair How to Repair Your Credit All by Yourself

Author : Ernie Braveboy
Publisher : Independently Published
Page : 128 pages
File Size : 53,8 Mb
Release : 2018-06-17
Category : Business & Economics
ISBN : 1983128503

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How to Deal with Debt Collectors and Win Every Time How to Beat Them at Their Own Game Credit Repair How to Repair Your Credit All by Yourself by Ernie Braveboy Pdf

How to Deal with Debt Collectors and Win Every Time How To Beat Them at Their Own Game Debt is something most of us dread. Worse than that is being put in a situation where debt collectors start bombarding you with long threatening and intimidating calls, emails and mails. It is humiliating, disheartening, frustrating and frightening to hear how your salary will be garnished, how your assets might be sold off and how your friends, neighbors, landlord, prospective creditors, employers, colleagues at work and other people will be told about your inability to pay your debts. Sometimes we are in a desperate situation where we are unable to pay and at other times, we just have forgotten about a particular debt so when a debt collection agency initiates contact, we go into panic mode because in many instances, we know we should pay. However, this does not give debt collectors the right to do anything they wish just to make you pay. The law is on your side and you can use that to your advantage. For instance, there is a way that debt collection agencies are supposed to go about contacting you, as per the law. That's not all, understanding your rights in the whole process ensures you can spot the debt collectors' violation of your rights and put them to task on the same. And even if you have to go to court, you can still beat the debt collection agents at their game but only if you know your rights and the law regarding debt collection. Ultimately, with a deep understanding of the law, you are able to keep debt collectors' aggression in check, all to your advantage. Would you want to be that person who is not afraid of debt collectors with all their rage and fury? Do you want to beat them at their own game of debt collection by using the law to your advantage to tame them? Well, if that's what you are looking for, this book is the ultimate guide on how to take charge of the whole process so that you don't end up making silly mistakes that could cost you. In this book, you will learn: How debt collection agencies work so that you can understand why they have to contact you and why businesses use debt collectors What debt collection agencies are allowed (by the law) to do and what they cannot do How to report any unfair and illegal debt collection practices by debt collection agents What you should do whenever any debt collector contacts you How to respond to debt collection agents on the phone When and why you should record your conversations with debt collectors A sample phone call transcript that you can use when talking with debt collectors How to respond to letters or mails When to ask for more information from debt collectors and how to ask for this information How to file a cease and desist order along with a sample letter What to do when a debt collector contacts you What you should never do whenever a debt collector contacts you When to use a lawyer and how to direct debt collectors to your lawyer How to investigate debt How to negotiate with debt collectors And if the matter goes to court, how to beat debt collectors in court And much, much more! It is your time to act now by reading this book to stand up against the bully debt collectors and beat them at their game. Read this book today; it might be all you need to put an end to the harassment and humiliation!

How To Defeat Any Debt Collector & Repair Your Own Credit Report

Author : Marshall S. Schoeder
Publisher : Unknown
Page : 220 pages
File Size : 46,5 Mb
Release : 2016-12-09
Category : Business & Economics
ISBN : 0998461709

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How To Defeat Any Debt Collector & Repair Your Own Credit Report by Marshall S. Schoeder Pdf

This book was written with a single goal in mind, that of providing you the reader with a tested and proven system, complete with templates and examples, that allows you to literally turn the tables on debt collectors. This book will teach you how to stop the harassment, remove inaccurate and or derogatory information from your credit report, and, if you are so inclined, sue the debt collector for his violation(s) of the law; all without the need of a lawyer. In all of my cases I have never once used a lawyer. Once you finish reading the book you will immediately be able to confront and effectively deal with any debt collector with confidence. You will be able to instantly recognize if a debt collector is employing abusive or fraudulent practices and know how to properly respond. Whether you're new to the subject of debt collections or a seasoned veteran you will find new information in this book that will convince you that not only are you not obligated to pay most alleged debts, but that those attempting to collect them from you are very often unable to prove that you owe them anything when properly challenged. This may seem like a fantastic claim, but it is true nonetheless and has been proven time and time again. You will learn how the laws are designed to protect you (the consumer) and how to successfully implement them to your advantage. I want to also mention here that I am not a lawyer and I do not give legal advice. What I do provide you with is educational material on a tried and proven method that actually works, and that debt collectors absolutely DO NOT want you to acquire and implement! What you will find within the covers of this book is the knowledge and proven procedures of how to beat Debt Collectors (and their lawyers) which I have developed through personal experience over the course of many years. I have sued and won in the Federal Court system, successfully defended in many state court actions, and have also won without the need to litigate, through the use of Settlement & Release of Liability Agreements; the application of which is discussed at length in the book. A template of the Settlement & Release of Liability Agreement is included in the book. The bottom line here for this author is to get you, the reader, up to speed and properly equipped so that within a few short days of receiving this book you can actively and successfully engage, with confidence, any debt collector attempting to collect an alleged debt from you. Suffer and fear no longer and use the knowledge provided in this powerful book to defeat your debt collector!

How You Can Profit from Credit Cards

Author : Curtis E. Arnold
Publisher : FT Press
Page : 353 pages
File Size : 47,8 Mb
Release : 2008-06-06
Category : Business & Economics
ISBN : 9780132703451

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How You Can Profit from Credit Cards by Curtis E. Arnold Pdf

Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.

Surviving Debt

Author : Anonim
Publisher : Unknown
Page : 0 pages
File Size : 40,8 Mb
Release : 2023
Category : Consumer credit
ISBN : 1602482047

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Surviving Debt by Anonim Pdf

Debt Forgiveness Volume 2 When Creditors Decide to Sue: Erase Your Credit Card Debts

Author : Arthur V. Prosper,Didosphere
Publisher : Unknown
Page : 110 pages
File Size : 52,5 Mb
Release : 2018-01-22
Category : Business & Economics
ISBN : 1976956978

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Debt Forgiveness Volume 2 When Creditors Decide to Sue: Erase Your Credit Card Debts by Arthur V. Prosper,Didosphere Pdf

***SECOND EDITION***This book reveals various Consumer Protection Laws such as the Title and Section below that you can use to defend against junk debt collectors and creditors' claims for alleged credit card debts:15 U.S. Code § 1643(b) - Liability of holder of credit card(b) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection (a), have been met.******************We learned in Volume 1 that you can obtain credit card debt forgiveness if you write your creditors a simple, properly worded negotiation letter. This book, Volume 2 is about various measures you can take if your creditors refuse to cooperate and decide to sue instead. The methods and strategies in this book may be put to use in dealing with credit card debt as well as other unsecured consumer debts. It contains sample forms such as, Validation of Debt Letter, Cease and Desist, Answer and Affirmative Defenses to Complaint, Request for Production of Documents, Refusal of Arbitration, Opposition to Plaintiff's Motion for Summary Judgment, sample letter to IRS disputing creditor's Form 1099-C (CODI-Cancellation of Debt Income). Volume 1 provided the reader the guidance for negotiating credit card debt down to 5% and gave the reader a better understanding of the collection process. This book provides the necessary tools in dealing with the negotiation-resistant creditor and how to use the system legally to obtain debt forgiveness. Although there are no guarantees, the methods and strategies discussed in this book worked for me. When I sent my creditors the Validation of Debt letter, my creditors were not able to validate my alleged debts. My creditors could not produce the documents requested in my Request for Production of Documents. The Court denied the Plaintiff's Motion for Summary Judgment when I filed my Opposition. When I disputed the creditors' Forms 1099-C and requested the IRS to obtain verification of debt pursuant to US Code-Title 26 Section 6201(d), I never heard from the IRS again.******************If you convince the creditors that they still will not collect more than your FINAL OFFER even if they file a lawsuit; that they will only spend a lot of money in legal fees, they will realize that collecting 10% from you is probably the best they can hope to recover. That is the aim of the negotiation letter shown in Volume 1, to show your creditors that your FINAL OFFER is the most they can collect from you. But if your creditors are negotiation-resistant, this book Volume 2 is your magic bullet against them. If you decide NOT to purchase this book, you won't know what to do without an attorney if you get sued. You will be at the mercy of your creditors. ******************After my debts were forgiven, I was able to start my life anew, free from credit card debt. I was able to focus on taking care of my family. I kept 2 credit cards and continued to use them. They carried small credit lines, one for $7,000 and the other for $5,000. I pay the balances of the accounts as soon as I receive the monthly statements. My FICO scores initially took a dive to the high 500s but after only 7 years, I am back to the high 700s and even got to 800 a few months last year. I feel really blessed that I did not have to file for bankruptcy and that the path I took enabled me to write this book which I hope would help a lot of people who are in the same predicament as I was, to accomplish the same thing I've accomplished---a credit card debt free life.

How to Deal with Debt Collectors and Win Every Time How to Beat Them at Their Own Game

Author : Ernie Braveboy
Publisher : Independently Published
Page : 72 pages
File Size : 53,6 Mb
Release : 2018-05-02
Category : Business & Economics
ISBN : 1980996601

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How to Deal with Debt Collectors and Win Every Time How to Beat Them at Their Own Game by Ernie Braveboy Pdf

How to Deal with Debt Collectors and Win Every Time How To Beat Them at Their Own Game Debt is something most of us dread. Worse than that is being put in a situation where debt collectors start bombarding you with long threatening and intimidating calls, emails and mails. It is humiliating, disheartening, frustrating and frightening to hear how your salary will be garnished, how your assets might be sold off and how your friends, neighbors, landlord, prospective creditors, employers, colleagues at work and other people will be told about your inability to pay your debts. Sometimes we are in a desperate situation where we are unable to pay and at other times, we just have forgotten about a particular debt so when a debt collection agency initiates contact, we go into panic mode because in many instances, we know we should pay. However, this does not give debt collectors the right to do anything they wish just to make you pay. The law is on your side and you can use that to your advantage. For instance, there is a way that debt collection agencies are supposed to go about contacting you, as per the law. That's not all, understanding your rights in the whole process ensures you can spot the debt collectors' violation of your rights and put them to task on the same. And even if you have to go to court, you can still beat the debt collection agents at their game but only if you know your rights and the law regarding debt collection. Ultimately, with a deep understanding of the law, you are able to keep debt collectors' aggression in check, all to your advantage. Would you want to be that person who is not afraid of debt collectors with all their rage and fury? Do you want to beat them at their own game of debt collection by using the law to your advantage to tame them? Well, if that's what you are looking for, this book is the ultimate guide on how to take charge of the whole process so that you don't end up making silly mistakes that could cost you. In this book, you will learn: How debt collection agencies work so that you can understand why they have to contact you and why businesses use debt collectors What debt collection agencies are allowed (by the law) to do and what they cannot do How to report any unfair and illegal debt collection practices by debt collection agents What you should do whenever any debt collector contacts you How to respond to debt collection agents on the phone When and why you should record your conversations with debt collectors A sample phone call transcript that you can use when talking with debt collectors How to respond to letters or mails When to ask for more information from debt collectors and how to ask for this information How to file a cease and desist order along with a sample letter What to do when a debt collector contacts you What you should never do whenever a debt collector contacts you When to use a lawyer and how to direct debt collectors to your lawyer How to investigate debt How to negotiate with debt collectors And if the matter goes to court, how to beat debt collectors in court And much, much more! It is your time to act now by reading this book to stand up against the bully debt collectors and beat them at their game. Read this book today; it might be all you need to put an end to the harassment and humiliation!

Full Time CEO

Author : Will Roundtree
Publisher : Lulu.com
Page : 222 pages
File Size : 54,8 Mb
Release : 2019-12-02
Category : Education
ISBN : 9781794766808

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Full Time CEO by Will Roundtree Pdf

Ever wonder how to become a CEO? Or ever wonder what CEOs do? Or have you ever just wondered why this sounds like a bunch of BS being shot to you when you inquire about the job? For those of you who want the unabashed words from a CEO himself, this is the book for you. Unapologetic. Unashamed. Mr. Will Roundtree puts the bullshit to the side to tell you "...The Shit They Don't Tell You."Mr. Roundtree gives the inside scoop on the SIX STEPS that he applied to his life to make him the effective "Fulltime CEO" he is today. He went from homeless to Millionaire on these concepts, and he is living proof that they can transform your business acumen. By applying the six principles in this book into his own life, he was able to reconstruct his life and become the CEO he dreamed he would be.

Bad Paper

Author : Jake Halpern
Publisher : Farrar, Straus and Giroux
Page : 257 pages
File Size : 46,9 Mb
Release : 2014-10-14
Category : True Crime
ISBN : 9780374711245

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Bad Paper by Jake Halpern Pdf

The Federal Trade Commission receives more complaints about rogue debt collecting than about any activity besides identity theft. Dramatically and entertainingly, Bad Paper reveals why. It tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed robber, who become partners and go in quest of "paper"—the uncollected debts that are sold off by banks for pennies on the dollar. As Aaron and Brandon learn, the world of consumer debt collection is an unregulated shadowland where operators often make unwarranted threats and even collect debts that are not theirs. Introducing an unforgettable cast of strivers and rogues, Jake Halpern chronicles their lives as they manage high-pressure call centers, hunt for paper in Las Vegas casinos, and meet in parked cars to sell the social security numbers and account information of unsuspecting consumers. He also tracks a "package" of debt that is stolen by unscrupulous collectors, leading to a dramatic showdown with guns in a Buffalo corner store. Along the way, he reveals the human cost of a system that compounds the troubles of hardworking Americans and permits banks to ignore their former customers. The result is a vital exposé that is also a bravura feat of storytelling.

The Ultimate D.I.Y Guide for Credit Repair

Author : R.J. Barclay
Publisher : Dream Credit
Page : 118 pages
File Size : 46,5 Mb
Release : 2014-04-14
Category : Electronic
ISBN : 9781633159174

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The Ultimate D.I.Y Guide for Credit Repair by R.J. Barclay Pdf

The Most comprehensive Credit repair manual on the market today. It goes in dept on how to find erroes and how to read the credit report. This Book includes 6 worksheets and 7 sample letters.

Your Guide to Financial Freedom How to Deal with Debt Collectors and Win Every Time How to Beat Them at Their Own Game Credit Repair How to Repair Your Credit All by Yourself a Beginners Guide

Author : Ernie Braveboy
Publisher : Unknown
Page : 190 pages
File Size : 44,6 Mb
Release : 2018-08-21
Category : Business & Economics
ISBN : 1719842590

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Your Guide to Financial Freedom How to Deal with Debt Collectors and Win Every Time How to Beat Them at Their Own Game Credit Repair How to Repair Your Credit All by Yourself a Beginners Guide by Ernie Braveboy Pdf

are you tired of bad credit would you like to improve your credit gain financial freedom stop debt collectors and live comfortable if so keep reading?People who say credit repair doesn't work are the people who are going about it the wrong way, the amateur's way. If you want to achieve maximum success in getting mistakes of the past deleted and restoring your good name so that you can qualify for the best loans at the lowest rates, then you need to follow the same steps taken by attorneys and certified credit consultants."How do they do that?" people ask. This book reveals the answers, the details, and the steps you can take to repair your own credit in a manner that is legal and effective.Unless you just won the lottery and plan to pay cash for everything for the rest of your life, you need excellent credit and a high FICO score to get respect and qualify for the best financing, credit cards, and insurance rates.in this series you will you'll get the motivation and know-how for building up a big stash of emergency cash, getting out of debt, making sure you never run out of money, and avoiding the 11 worst budget traps (that'll ruin your financial plans if you let them!)Find out the most important things that you can do to take control of your money and pay off debt. Get the budget how-to, tools, and knowledge you need to finally get ahead. You'll learn a complete budget system that works for beginners.

Credit Is King

Author : Will Roundtree
Publisher : Createspace Independent Publishing Platform
Page : 142 pages
File Size : 47,7 Mb
Release : 2016-12-23
Category : Credit
ISBN : 1541257111

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Credit Is King by Will Roundtree Pdf

We need credit for everything nowadays, whether it's to buy a house, car or make a loan. As you grow older, your needs change and so does your credit. Analyzing your own credit can be difficult if you don't understand what it entails. This book will teach you the importance of credit and all the factors involved from credit scores, debt, credit cards and credit mistakes that contribute or can destroy ones' credit. In the end, you will learn how credit matters in not just the major decisions you make, but for the minor ones as well. Credit Is King and there is no better leverage to going your financial empire and building generational wealth.

Dealing with Debt: Beating the Bill Collectors at Their Own Game

Author : Sierra Rogers
Publisher : Lulu.com
Page : 101 pages
File Size : 44,6 Mb
Release : 2009-02-07
Category : Business & Economics
ISBN : 9780557018260

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Dealing with Debt: Beating the Bill Collectors at Their Own Game by Sierra Rogers Pdf

Dealing With Debt- How to Beat the Bill Collectors at Their Own Game is an easy to read reference guide to understanding how a collection agency works, what laws the debt collectors are required to follow, and what to do when they break the laws. This book is written in easy to understand language and includes chapters on the Fair Debt Collection Practices Act (FDCPA), how the laws vary by state, why your telephone rings and there's no one there, and most importantly, how to negotiate the best possible settlement on your own.

The Wolf At the Door

Author : Mark Anthony Silverthorn
Publisher : McClelland & Stewart
Page : 314 pages
File Size : 43,6 Mb
Release : 2010-01-26
Category : Business & Economics
ISBN : 9780771080371

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The Wolf At the Door by Mark Anthony Silverthorn Pdf

A practical guide for dealing with collection agencies and your debts, from Canada's top expert. At some point in life, many of us have trouble paying the bills. If you've ever been hounded by a collection agency, you know how intimidating and stressful the experience can be. But we have much more power than we think. In this eye-opening practical guide, industry insider Mark Silverthorn arms you with the information collection agencies don't want you to know. He shows how to turn the tables against them and regain control of your personal life and your finances, including: • how to stop, avoid, or discourage collection calls • why you might not even have to pay your debt • options to deal with your debts that might save you thousands of dollars • your legal rights and how to handle collection agency misconduct • the truth about credit counselling and debt settlement firms Before you take any action on your debt, you will want to read this book.