Feeling overwhelmed by debts and too afraid to go to those "professional" debt settlement/debt consolidation companies? You have good reason to be! Most of the time, these so called non-profit agencies are really just money-raking scams!
We give you the insider's look at settling your debts with credit card companies and collection agencies, allowing you to settle with your creditors for pennies on the dollar. In some cases, you can even restore your credit rating!
This book
* all of the legal forms, * form letters and templates, and * legal contracts
You need to regain control of your life! We tell you what to say when talking to your creditors and how to put them at a disadvantage.