These guys are true scammers. They lie, cheat, and steal to scam you out of your money. They rely on the fact that most people DO NOT know the LAW!

Did you know that if you, or someone you know, has defaulted on a credit card debt, it is illegal for any company to purchase evidence of that debt, and try to collect from you? Credit cards are continuing offers to contract. As such, the debt cannot be sold to another company.

Did you know that there are legal strategies that quickly stop debt collectors dead in their tracks, and in some cases even voiding the alleged debt?

Your home should be your sanctuary. But, how can it be a sanctuary when debt collectors keep calling?

When you know some simple legal strategies, you can put an end to those dreaded phone calls.

At some point in your life, either you, or someone you know will need this information.

How to use consumer credit protection laws, without hiring a lawyer, and without going to court!

In these days of mega-corporations it is easy to get caught up in a computer system that is erroneously attempting to collect money you do not owe!

I know this is true because it has happened to me twice when I have cancelled an account, in just the last 5 years. Rather than fix it, they just turned the bill over to a collection agency.

Anyone who has had to deal with debt collectors definitely wants to eliminate them from their life. It's easy, it's quick, and it's fun to do!

Other things you will learn:

• There are ways to completely eliminate unsecured debt. Read the interview with the attorney who has used the banking laws to zero out balances on Visa and Master Cards. If you need to eliminate unsecured debt, I can put you in touch with people who do that.

• The costly legal consequences for debt collectors when they violate your due process rights, and what those rights are. It happens frequently, and you will know when it is happening and how to use it against them.

• A summary of The Fair Debt Collections Act, with references to court cases, which you can use for reference.

• From the Fair Trade Commission - Knee deep in debt. You will learn how the FTC recommends that you deal with overextended credit, rather than hiring an expensive credit service.

• Out of work? How to Deal with Creditors. Loss of income is a common reason for people to get behind on payments, and damage their credit rating. It doesn't need to happen.

• FTC Consumer alert - Time Barred Debts. There is a statute of limitations for collecting debts. Creditors often try to collect after the legal time period. They usually don't tell you that the stature of limitations has expired. You can pay if you wish, but you don't have to.

• Consumer Handbook to credit protection laws. A good reference to have.