Author Description

Updated 2020 powerful "how to" guide to arm Americans with everything needed to oppose creditors, collectors, and their attorneys in their efforts to seek court judgments, seize assets, invade bank accounts, and garnish pay checks. The author, who is a 25-year Board-Certified Attorney in Creditors' Rights Law effectively explains legal protections, strategies, and procedures in easy to understand terms. Finally, a debt relief book that offers strategies to eliminate debts without paying. The Debt Relief Playbook provides a step-by-step road map, including sample letters to collectors and their attorneys, phone techniques, sample court documents, and legal references (The War Chest), along with step-by-step strategies to stop creditors and their collectors in their efforts to collect. Undertaking early action will cause collectors to retreat and put their efforts on files they deem easier to collect.Consumers have legal powers against aggressive creditors and debt collectors under the Fair Debt Collection Practices Act (FDCPA), the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA) and other federal and state laws. Asserting these legal rights can make creditors and their attorneys go away. Consumers are entitled to recover money damages against creditors and collectors for even one violation of these laws. New consumer laws provide more power to the consumer than ever before. It is a statistical fact that one out of three debt collection lawsuits have no merit of any kind! By timely raising legal claims and defenses creditors and their attorneys will go away in defeat. Federal laws include loan forgiveness regulations for student loans, legal defenses which remove all liability on civil debts, and remedies of court-ordered discharge of all debts through bankruptcy. The Debt Relief Playbook covers all stages of defending collectors from letters and phone calls to litigation and bankruptcy options. Proper planning and an early