Download or read book 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 written by Ernie Braveboy and published by . This book was released on 2018-08-21 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book 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 written by Ernie Braveboy and published by Independently Published. This book was released on 2018-06-17 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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!
Download or read book Credit Repair How to Repair Your Credit All by Yourself a Beginners Guide to Better Credit written by Ernie Braveboy and published by Independently Published. This book was released on 2018-05-06 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.This is a straightforward budget planning method that will completely transform your finances, and eliminate your money worries once and for all.
Download or read book YOUR GUIDE to FINANCIAL FREEDOM How to Stop Living from Paycheck to Paycheck and CREDIT REPAIR How to Repair Your Credit All by Yourself written by Ernie BRAVEBOY and published by . This book was released on 2018-06-11 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.This is a straightforward budget planning method that will completely transform your finances, and eliminate your money worries once and for all.
Download or read book How To Defeat Any Debt Collector Repair Your Own Credit Report written by Marshall S. Schoeder and published by . This book was released on 2016-12-09 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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!
Download or read book CREDIT REPAIR HOW to REPAIR YOUR CREDIT ALL by YOURSELF a BEGINNERS GUIDE to BETTER CREDIT HOW to BUY FIX and SELL YOUR PROPERTY and MAKE a TON of MONEY and HOW to BE a GREAT LANDLORD written by Ernie BRAVEBOY and published by . This book was released on 2018-06-08 with total page 149 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.This is a straightforward budget planning method that will completely transform your finances, and eliminate your money worries once and for all.
Download or read book The Ultimate D I Y Guide for Credit Repair written by R.J. Barclay and published by Dream Credit. This book was released on 2014-04-14 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book The Black Book Of Credit Repair And Dealing With Debt Collectors written by C. C. Dillion and published by Createspace Independent Publishing Platform. This book was released on 2010-01-18 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The Black Book Of Credit Repair And Dealing With Debt Collectors" contains the most powerful strategies ever released in the US. No attorney or credit repair firm would even admit some of these strategies exist, let alone using them on your behalf. Discover How to use consumer credit protection laws, without hiring a lawyer, and without going to court! Why it is ETHICAL to remove bad credit from your file. A simple method to use debt validation to repair your credit. * How to use identity theft to remove negative entries from your credit report. How to use small claims court to get negative credit entries removed. Usually, you won't have to say a word. This is another extremely powerful strategy Three step by step methods to change your current "CREDIT IDENTITY." How you can easily STOP debt collectors dead in their tracks, and eliminate them from your life, sometimes even entirely voiding the alleged debt. When debt collectors violate your due process rights, they open the door to serious legal consequences, including voiding any legal proceedings against you, including Mortgage Foreclosure. violation. There are several dispute letter templates, including templates for special situations, that you can use to ruin a debt collector's entire week, maybe even causing him to find a new career field. These templates alone are worth well over $200.
Download or read book How to Repair Your Credit written by John Score and published by Independently Published. This book was released on 2019-07-16 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: ★★BONUS★★ Buy a paperback copy of this book NOW and the Kindle version will be available to you Absolutely FREE You hear your ringtone go off on your cell phone. You look and notice this is another number you do not recognize, so you allow it to go to voicemail. A couple of minutes later, you check the message the person left only to find out it was another bill collector. You then block the number, but not because you don't want to talk to the collector, but because you want to catch up on your bills and you don't have the money to pay off all of your credit cards. This is a common story for people all over the world. Some have taken out too many credit cards or they have maxed them out and are now struggling to make the minimum payments. It isn't that they don't want to make the payments but that they simply cannot afford them. If this story sounds familiar to you, then this is a book you most certainly need to read. This book is going to help you get through your credit card debt and learn how you can gain financial freedom. It will be your guide to help you find federal laws and loopholes to help you erase your credit card debt. Throughout your journey of reading, you will learn the steps you can take to improve your credit without the years of struggling. By the end, you will be able to gain the financial freedom you deserve. Furthermore, you will be able to hold onto this precious freedom for the rest of your life. How to Repair Your Credit will accomplish these goals through seven chapters. The first chapter is going to place you in the situation of finding yourself in bad credit. You will learn how you can truly tell if you have bad credit, when you should worry, and the many reasons for which you can find yourself with bad credit. You will learn what bad credit is and how you can start to gain the right mindset, which will allow you to pay off your credit card payments. You will learn about federal laws which focus on credit cards and a special loophole that is known as section 609, which provides you with a trick to help you erase any negative information on your credit report. This book will also help you with the dispute letter that is attached to section 609 by providing you with various tips so you can create the absolute best letter possible. Finally, you will learn about financial freedom and how you can gain and maintain this freedom. Take a moment to imagine your financial freedom. After almost four years, you have paid off all of your credit card debt. While your credit history will remain on your credit report until the seven years are over, you have noticed that your credit score is increasing. You have noticed that you are less stressed, and you no longer ignore your phone when a number you do not recognize is calling. You are living comfortably and growing your savings. You have finally reached the ultimate financial freedom. Would you like to know more? Download now to stop worrying, deal with anxiety and reach financial freedom. Scroll to the top of the page and select the buy now button.
Download or read book How to Deal with Debt Collectors and Win Every Time How to Beat Them at Their Own Game written by Ernie Braveboy and published by Independently Published. This book was released on 2018-05-02 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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!
Download or read book Solve Your Money Troubles written by Robin Leonard and published by NOLO. This book was released on 2007 with total page 548 pages. Available in PDF, EPUB and Kindle. Book excerpt: Legal and practical strategies for getting out of debt and making a fresh start are provided in this completely updated edition of this resource, teaching readers how to negotiate with creditors, prioritize debts, create a realistic budget, rebuild credit, and more. Original.
Download or read book Advanced Credit Repair Secrets Revealed written by Marsha Graham and published by Createspace Independent Publishing Platform. This book was released on 2016-01-31 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: Escape Debt Today With This Essential Guide to Financial Freedom!Read this book for FREE on Kindle Unlimited - Download Now!Do you have a low credit score? Have you ever been denied credit? Is it time to get your financial life back on track without paying a credit repair expert hundreds (or even thousands) of dollars?If this sounds like you, then Advanced Credit Repair Secrets Revealed: The Ultimate Guide to Fix And Establish Your Credit Fast could be just what you're looking for! With this helpful guide, you'll get what you've always wanted: GOOD CREDIT! This exciting and concise book give you only the information you really need to start repairing and building your credit - fast!Would you like to buy your dream home or the new hot car you've always wanted? Is bad credit holding you back from getting what you want?If so - do something about it right now! When you download Advanced Credit Repair Secrets Revealed: The Ultimate Guide to Fix And Establish Your Credit Fast, you'll discover some of the fastest ways to improve your credit - MONEY BACK GUARANTEED!What can this book do for you? How can you use this guide to repair your credit?Advanced Credit Repair Secrets Revealed: The Ultimate Guide To Fix And Establish Your Credit Fast reveals the most closely-guarded secrets the experts use to remove countless negative items from credit reports. You could improve your credit score dramatically in less than 30 days!You'll learn to remove items from your credit report:* Late Payments* Charge-Off Items* Collection Items* Bankruptcies* Student Loan Defaults* Judgments* Repossessionsand many more!You'll also discover many important credit skills and tips:* Get a FREE credit report every 7 days* Establishing good credit in 30 days or less* Keep divorce from destroying your credit* Uncover the steps towards homeownership* Protect yourself from fraud and identity theft* Know if your identity has been compromised, and what to do next* Get out of debt* Save money* Create Wealth* Learn how to save money on auto loans* Discover how to budget for an emergency* Amazing budgeting ideas for moms* Learn the secrets to keep your family on a budget* Find out how to save money on your vacations* Uncover how to save money on your major purchasesWhat if you qualified for credit cards at zero percent interest rates for 15 or even 18 months? Can you imagine purchasing a car at zero percent and zero down? Wouldn't you like to book your dream trip with reward points from your new credit card?Act Now - Good credit can get you the lifestyle of your dreams!It's time to empower yourself and improve your quality of life! Download Advanced Credit Repair Secrets Revealed: The Ultimate Guide To Fix And Establish Your Credit Fast right away.You'll be so happy you did!
Download or read book A Survival Guide to Debt written by Mitchell Allen and published by Greenleaf Book Group. This book was released on 2009 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: For readers who are paying bills with credit cards, cringing every time the telephone rings, avoiding stacks of unopened overdue notices, or facing foreclosure, Mitchell L Allen offers a practical resource full of hope. In this guide Allen empowers readers to make smart choices about how to emerge from debt and recover from the devastating financial and emotional effects of hard times. Unlike other debt-relief authors, Allen doesn't focus on bankruptcy or avoiding bankruptcy; he presents all of the options available and explains how to take advantage of them. He teaches readers: How to deal with financial trouble on their own, including negotiating with creditors; Where to find professional help with debt problems; How to determine if bankruptcy is the best solution; How to file for bankruptcy; How to regain control of their lives and their finances -- forever. Filled with proven and effective strategies for finding a way out of the debt forest, this guide provides the dearest path from debt-induced insanity .to financial security.
Download or read book The Debtclear Roadmap written by Michael Croix and published by . This book was released on 2011 with total page 270 pages. Available in PDF, EPUB and Kindle. Book excerpt: Debt collection isn t personal, it 's business and no business is going to spend their limited time and resources chasing their most difficult clients. Michael Croix, President, DebtClear.comThe DebtClear Roadmap will teach you how to clear you debt for pennies on the dollar, protect your assets, fight creditor harassment and lawsuits and restore your credit rating. The book comes with a 500% limited money back guarantee if you don't reduce your debt by over 80%! Author and President of DebtClear.com Michael Croix draws on nearly a decade working in the debt relief and credit repair industries, as well as his own experience eliminating over $90K in personal credit card debt for less than 4 cents on the dollar. Michael is also author of Inventing on a Budget and Cashing in on the American Dream.
Download or read book Advanced Credit Repair Secrets Revealed written by Marsha Graham and published by . This book was released on 2015-08-08 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: Escape Debt Today With This Essential Guide to Financial Freedom! Read this book for FREE on Kindle Unlimited - Download Now! Do you have a low credit score? Have you ever been denied credit? Is it time to get your financial life back on track without paying a credit repair expert hundreds (or even thousands) of dollars? If this sounds like you, then Advanced Credit Repair Secrets Revealed: The Definitive Guide to Repair And Build Your Credit Fast could be just what you're looking for! With this helpful guide, you'll get what you've always wanted: GOOD CREDIT! This exciting and concise book give you only the information you really need to start repairing and building your credit - fast! Would you like to buy your dream home or the new hot car you've always wanted? Is bad credit holding you back from getting what you want? If so - do something about it right now! When you download Advanced Credit Repair Secrets Revealed: The Definitive Guide to Repair And Build Your Credit Fast, you'll discover some of the fastest ways to improve your credit - MONEY BACK GUARANTEED! What can this book do for you? How can you use this guide to repair your credit? Advanced Credit Repair Secrets Revealed: The Definitive Guide To Repair And Build Your Credit Fast reveals the most closely-guarded secrets the experts use to remove countless negative items from credit reports. You could improve your credit score dramatically in less than 30 days! You'll learn to remove items from your credit report: Late Payments Charge-Off Items Collection Items Bankruptcies Student Loan Defaults Judgments Repossessions and many more! You'll also discover many important credit skills and tips: Get a FREE credit report every 7 days Establishing good credit in 30 days or less Keep divorce from destroying your credit Uncover the steps towards homeownership Protect yourself from fraud and identity theft Know if your identity has been compromised, and what to do next What if you qualified for credit cards at zero percent interest rates for 15 or even 18 months? Can you imagine purchasing a car at zero percent and zero down? Wouldn't you like to book your dream trip with reward points from your new credit card? Act Now - Good credit can get you the lifestyle of your dreams! It's time to empower yourself and improve your quality of life! Download Advanced Credit Repair Secrets Revealed: The Definitive Guide To Repair And Build Your Credit Fast right away. You'll be so happy you did!"
Download or read book How to Repair Your Credit in 180 Days written by Robert Boyd and published by . This book was released on 2014-09-25 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: HOW TO REPAIR YOUR CREDIT IN 180 DAYSwithout filing bankruptcy or paying debt consolidators and win thousands of dollars in damages from, debt collectors and lenders who cannot legally obtain payment from you based on Title 15 U.S.C. § 1666 of the United States Code. YOUR SELF-HELP GUIDE TO RESTORING YOUR CREDIT.You will learn: What debt collectors & lenders won't tell you;- The secrets to stop collectors & lenders, even when you owe them; A step-by-step analysis to quickly & easily re-establish your credit;- Reduce your student loan; and Reduce your IRS tax lien without defaulting with your lender. All in this step-by-step guide to restoring your credit and financial borrowing power.Robert "Rob Run" Boyd
Download or read book Dealing with Debt Beating the Bill Collectors at Their Own Game written by Sierra Rogers and published by Lulu.com. This book was released on 2009-02-07 with total page 101 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
