After a lot of research and some learning experiences, I discovered that if you can knowledgably frustrate debt collectors and collection attorneys, they do not want to work harder to collect from just you. They are paid on commission. They are motivated to focus their energies on the thousands of other non-resistant consumer debtors assigned to them.
In the Credit Card Debt Survival Guide You get
- Links to debt forums and authoritative websites to reassure you that these are the best practices for fending off debt collectors and collection attorneys,
- Sample debt validation letters and follow-up written communications to frustrate debt collectors and collection attorneys
- How to respond in writing to debt collectors and collection attorneys to avoid being involved in a court case
- The specific wording of phrases that need to be in a debt validation letter and its follow-up, all ready for you to copy and easily customize to your situation.
- How the sources of debt collection—original creditors, junk debt buyers, collection agencies and collection attorneys—differ and how to adjust your written communications accordingly
- The best practices for dealing with debt collectors and collection attorneys
- Debt collector lies and deceptive actions to be ready for
- How to respond to a credit card debt summons, if necessary
- How to find the right kind of help in online debt forums, on other helpful websites, and with attorneys specializing in consumer rights
- Why collection attorneys do not expect to and are not prepared to actually move ahead with a court case once they receive an answer from a debtor
- What to do if the creditor attempts to force you into arbitration
- Chapters 1-5 totaling 140 additional pages provide useful background on the debt collection and debt service industries.
- How to sue a debt collector and how to get “free” (contingency-fee-based) legal help to do so