Are you being harassed by debt collectors? You can Fight Back!

• Are collectors using abusive language and tactics to bully and intimidate you?
• Are you afraid to answer the phone or open your mail?
• Are you drowning in debt with no where to turn?

If your dealing with debt collection issues and need help understanding your options then, you need this Step-by-Step guidance on dealing with unfair and illegal debt collection tactics.

You Can Fight Back!

Learning about and understanding your rights under the Fair Debt Collection Practices Act (FDCPA) is your first step toward stopping illegal and unethical collector harassment and...achieving piece of mind.

Your next step is having detailed information, about handling any type of debt collection issue, at your fingertips. Whether you're dealing with 3rd party debt collectors, Junk Debt Buyers or attorney debt collectors, my book takes you from the initial debt collection call all the way through the process for properly disputing debts.

I wrote this book because I was tired of getting pushed around by debt collectors! I was out of work and unable to pay my debts (especially my credit cards) and I felt lost with no where to turn. Finally, I decided to do something about my situation besides sitting around scared the phone would ring.

I was fed up with the harassment and wanted to FIGHT BACK against unscrupulous debt collectors who were bullying me into paying debts (some had already expired) that I just could not afford to pay! The day I discovered the Fair Debt Collection Practices Act (FDCPA) was the first day in a long long time I actually felt relief! Finally, I had something to help me Fight Back!

So, armed with the FDCPA I started fighting back and boy did that feel good. Now, when collectors called and started to harass me, I simple followed the steps outlined in my book to stop the harassment ...you can too!

I've made the book affordable...less than 10 bucks...because if you're in debt like I was, every penny is important! The proceeds from the book are used to pay web hosting fees and site maintenance so my websites can continue providing consumers with debt and credit problems a FREE resource to learn about their rights and options.

Stop the Harassment Today! Take Back Control of Your Life! Restore your Self-Confidence! Order today...Only $9.95

Did you know that...

...the Fair Debt Collection Practices Act (FDCPA) is a federal law that offers a great deal of protection from debt collectors who use illegal and unethical collection tactics?

...unless you are aware of this law and understand how to use it, you are at the mercy of unethical debt collectors who use underhanded tactics to intimidate you into paying debts that have expired or are invalid or worse...debts you just can't afford due to a loss of income?

...you should know at least as much about your rights as collectors do! Start protecting yourself and your family from collection harassment right now!

You'll learn what to say and how to say it! Put another way, you'll learn how to "Control the Ball" when collectors call...you'll be prepared the next time the phone rings!

Special Tip! Unethical debt collectors expect, even depend on debtors not knowing their rights so they can use illegal and unethical tactics to intimidate and scare you but, learn to "Control the Ball" and you'll find it amusing (even entertaining) when collectors become "Frustrated" because they can no longer control you!

Your MOST Important Right!

Did you know the FDCPA gives you the right to stop collectors from harassing you EVEN if you do owe the money!

Did you know most debts have an expiration date?
It's called the "Statute of Limitations (SoL). It's a legal time limit set by state law that renders the debt unenforceable in court after the time limit has passed.

Of course unethical debt collectors never tell you when a debt has expired but debts do expire! They are not enforceable in court, but only if you use the"Expired Statute of Limitations Defense!"Learn How and When to use one of your most important and powerful rights!

For example, credit card debt generally expires between 3 to 6 years. Once this time limit expires, if you use the Expired Statute of Limitations Defense you cannot be forced to pay the debt!

WARNING! Unethical debt collectors are very good at tricking you into resetting the Statute of Limitations! Learn How to Avoid this Trap!

I fully explain the SoL defense in easy to understand language... so you can avoid the SoL trap! Order Today!  Only $9.95

Sixteen Information-Packed Chapters...

Just Look at What You Get:

In chapter 1 you learn:

• About legal and illegal collection tactics such as calls to home, work and 3rd parties;
  
  
• About dunning letters, post cards, email and home or work visits;
  
  
• About the first Debt Collection Call and what's legal and illegal!
  
  
• About Illegal threats such as "I'll have you arrested or fired" or "'I'll take your home or garnish your wages!"
  
  
• How collectors use Credit Reports as Leverage

Chapter 2: Learn about valid and invalid debts! Did you know invalid debts cannot be enforced in court? This means collectors have no means of forcing you to pay (but they certainly don't want you to know this!) You'll learn:

• The definition of valid and invalid debts and how to handle each type;
  
  
• The legal definition of creditors versus collectors;
  
  
• How to properly dispute ALL debts defined in the FDCPA;
  
  
• What to do when you've already paid or settled a debt but collectors are calling you anyway; (including sample letters)
  
  
• About the Statute of Limitations on debts and what to do if the debt has "expired"
  
  
• Options if you cannot pay your bills because of life-altering events such as losing a job, becoming ill or being placed on disability or going through a divorce;
  
  
• How to make payment offers that you can afford AND protect your rights;
  
  
• How to determine whether it's better to pay in full or settle;
  
  
• How to to negotiate debt settlements;

Step-by-step instructions for Beating Collection Law Suits...this information alone is worth thousands of dollars!  Only $9.95

Chapter 3: Learn how to properly dispute invalid debts beginning with that very first collection call! You'll also learn what actions to take when collectors cross the line and use illegal collection tactics and

Chapter 4: Explains how default judgments occur and how they are usually overturned (removed or set aside). Learn a simple technique to prevent default judgments in the first place!

Chapter 5: Learn why wage garnishment is not as much of a threat as collectors would like you to believe! Wage garnishment might just be your best option? This section describes wage garnishment and bank account garnishment and personal property seizure and provide information on dealing with them.

Chapter 6: Studies have shown that 1 out of 3 credit reports contain errors! Many errors can be traced to unethical collectors reporting inaccurate information. You have the right to have inaccurate and outdated information removed from your credit records. Learn about the Fair Credit Reporting Act and what self-help actions you can take to correct your personal credit reports.

Chapter 7: Describes how unethical collectors are using the small claims court system to collect debts. Learn why your appearance in court is so important; even if the debt is not valid!

Chapter 8: Discover the truth about "bad checks" and what the FDCPA says about bounced checks. Did you know that, in most states, returned checks are only enforceable for 2 years? You can bet collectors don't want you to know this!

Chapter 9: Collectors who violate the FDCPA can be sued for up to $1,000 per violation? Learn how to stop their illegal harassment AND gather enough evidence to Fight Back!

Chapter 10: Along with the FDCPA, there are several other consumer protection laws that can be used to stop collector and creditor harassment. Learn which laws protect you.

• Fair Credit Reporting Act protects against outdated and inaccurate information being reported on your credit records;
  
  
• Truth in Lending Act requires lenders to clearly disclose and describe all terms of the credit or loan contract;
  
  
• Wage Garnishment Laws which limit the amount of money that can be taken from you; and
  
  
• State statutes and codes which offer protection in addition to federal laws.

Chapter 11: Sample letters, phone scripts and record-keeping instructions that can be personalized to fit your situation. Use these sample letters to draft your own letters to stop harassing and illegal phone calls and for disputing invalid debts. Here are just a few of the sample letters included in my self-help Book:

• Stop Contacting Me Letter;
• Phone Script For Handling Debt Collection Calls;
• Debt Dispute Letter
• Debt Payment Offer/Agreement Letter;
• Unable To Pay Letter
• Offer To Settle A Debt Letter;
• Debt Previously Paid/Settled Letter;
• Expired Statute Of Limitation Letter;
  

Chapter 12: The Statutes of Limitations (SoL) on debts is a little known part of state law that, when used in a court, allows you to legally avoid paying expired debts and stop collector harassment! This tip alone can save you thousands!

Chapter 13: It's amazing how many people are not aware of the difference between the Statute of Limitations for credit reports and the Statute of Limitations for debts. Not only does this chapter clearly explain this, it also includes a list of the most common type of debts and each State's Statute of Limitations.

Chapter 14: Understanding debt and credit terms is important, especially when determining whether you are protected under the FDCPA or state law.

Chapter 15: The entire Fair Debt Collection Practices Act. Read the law for yourself. Remember, knowledge is power and the more you know about this law, the better prepared you'll be to handle unfair and illegal collection practices.

Chapter 16: Top 20 Myths About Debt Collection Learn the truth about myths that have mislead people for years. This chapter covers payment refusals, credit reporting, the famous 30-day rule, collection charges, charge offs, grace periods, student loans, disposable income, divorce and debts, social security garnishments, medical debts, liens, messages left on answering machines, re-aging debts, the statute of limitations and much much more.

This self-help book is designed for Easy Navigation so you can quickly locate specific information about debt and credit issues. Whether you're a consumer, debtor, credit counselor or consumer attorney, you'll find yourself using my book as a handy desk-top reference.

Along with effective strategies, tools and tips, you'll also learn how to avoid the two biggest mistakes people make when collectors call! This information alone will save you thousands of dollars and years of frustration! Order Now!Only $9.95

My 100% Money Back Guarantee!

If for any reason you are not satisfied with my book, simply email me within 10-day risk free period for a full refund of the entire purchase price...no questions asked!

I started Fair Debt Collection.com in 1998 to help people regain control of their life through education. The more you learn about your rights the better prepared you are to stop illegal harassment.

Over the years, I've invested considerable amounts of time ensuring the information on my site is as accurate, helpful and effective as possible. I've done nothing less with this book!

Order now and you can begin using the strategies, tips and techniques right away! Why put up with collector harassment when you don't have to?

What this Self-Help Book is not...

Legal information is NOT the same as legal advice. I am NOT an attorney and my self-help Book is not legal advice! The step-by-step information is based on personal experience, years of research, several years of helping consumers deal with debt collection issues and thousands of testimonies from consumers who have used this eGuide to stop the harassment.

I strongly encouraged consumers to consult with legal and financial professionals prior to making any decision that could have legal or financial consequences. Your use of the information is at your own risk.

This self-help book is not about getting one over on creditors or debt collectors. People who owe debts and have the financial means to pay them, are duty-bound to do so. My self-help book does not contain information to help consumers avoid paying their debts rather the information is to help consumers protect themselves against collectors who use illegal and unethical tactics.

My book is NOT a "Credit Repair" guide! There are plenty of those being sold all over the Internet. I do NOT offer credit repair services. I do however, offer tips and free letters for correcting inaccurate information on your credit reports.

Take control of your situation and begin making a difference in your life right now! Get 16 information-packed chapters for just $9.95!Click on the button to access our secure Paypal order form! Only $9.95

Okay, so what is this guide about?

It's about learning what laws protect you and how to use these laws to stop illegal and unethical collectors from harassing you and your family.

The truth is, life is just not fair and all of us, at one time or another have experienced a loss of income or lost the means of making a living, and suddenly we can no longer pay our bills.

When this happens, most of us feel embarrassed and ashamed and will do just about anything to keep others from finding out about it! Shame is a powerful emotion! Collectors know this AND they use it against us.

This self-help Book not only explains what collectors can do, it describes in detail what they cannot do. In other wordsthis guide puts you in control!

Rather than continuing to feel scared or ashamed ...take control of your situation! "Control the Ball!" You'll be amazed at the simple things you can do that will make such a huge difference in your life. Things like how to use a script so that you no longer have to be afraid when the phone rings, or how to stop collectors cold with one simple question when they try to harass you and your family!

My book can help change your life! Use it to Restore Your Self Confidence and Get Collectors OFF your Back!

How soon can I get it?

Paypal sends me an email confirming your payment and I check my email every evening for these confirmation emails. As soon as I see your payment has been approved, I send your personal download instructions to the email provided in the email from Paypal.

Depending what time of the day you order the eGuide, it may be just a few minutes to as long as 24 hours before I send your download instructions. Although the process is usually reliable, as with any technology, problems can occur so I provide you with a contact me formso you can immediately notify me if you encounter any problems.

Is it really guaranteed?

Yes, of course! My self-help Book comes with a 10 day - no questions asked - love it or delete it - money back guarantee. Order it today...and after receiving it, you'll still have several days to decide if it's right for you!

The important thing is to get my self-help book today so you can use the information to stop the harassment. The book is bursting with step-by-step instructions, effective strategies and sample letters for stopping debt collection harassment!

I've made it simple and affordable, the rest is up to you.

"Control the Ball", click the link below and order now. Remember, it's guaranteed for 10 days, so you have nothing to lose! Click on the Buy button to get your very own copy! Order Now! Only $9.95

Important Note: This book is only available via download and cannot be shipped by regular mail!
Alabama residents add 10% sales tax.