Just because you are the one being pursued doesn't mean that you don't have a way to make the bill collectors have to do their own due diligence. Moreover there are ways to protect your assets from creditors and ways to clear debts without filing bankruptcy. If it does ultimately turn to that, there are things you should know about bankruptcy and this book delves into these facts as well. Answering the questions should I declare bankruptcy, when should I declare bankruptcy, what is the difference between chapter 7 and chapter 13, as well as your attorney's duties when filing these cases. While these may seem like things which are talked about ad nausea in the news and in other publications, The book breaks it down for you in way that is easy to understand and quick to follow on the fly. ....read more

The process of credit repair has been shrouded in secrecy, with lawyers and consultants charging hundreds and even thousands of dollars to clean a credit report. Recently, a company even started a multi-level marketing company that sold credit cleaning services via personal networking. The fact is that anyone can clean-up their credit report using a few easy to follow steps, which I cover in the book. For the purpose of the book, I will explain how to remove the following derogs from your credit profile: Creditor Inquiries, Late pay remarks, Collection Accounts (Accounts Referred To For Collection), Charge Offs (Accounts Written Off To Loss), Public Records (Bankruptcies, Tax Liens) At a price of $9.50 it is a bargan compaired to the credit card Fix-it companies who charge you thousands of dollars to do the same thing. There are seventeen letters ready to use on the fly to help you accomplish your clean credit report goal! ....read more