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Fight Back Against Unfair Debt Collection Practices: Know Your Rights and Protect Yourself from Threats, Lies, and Intimidation

By Fred Williams

Published by FT Press

Published Date: Aug 10, 2010


This year, America’s enormous debt collection industry will make 1,000,000,000 collection calls. They will threaten. Lie. Mislead. Intimidate. Award-winning reporter Fred Williams went “undercover” inside one of its largest firms. Now, he reveals everything he learned–and shows exactly how to fight back and protect your rights.

Table of Contents

Introduction     1

Part 1:  Debt Collection Secrets     9

Chapter 1:  Lessons in Deception     11

Chapter 2:  Credit Is King     23

Chapter 3:  Anger Can Be Power     31

Chapter 4:  Closeout: “No Tomorrow”      41

Chapter 5:  The Shakedown Industry     47

Chapter 6:  PIF Means Payment in Full     61

Chapter 7:  Payday, the Tables Turn     69

Chapter 8:  Debtors’ Rebellion     73

Chapter 9:  Debt for Sale     83

Chapter 10:  The Golden Rule: Money Today     89

Chapter 11:  Strengths and Weaknesses     93

Chapter 12:  Collector of the Week     103

Chapter 13:  Retention     111

Chapter 14:  A Complaint     115

Chapter 15:  Data Minefield     121

Chapter 16:  Graduation Day     127

Chapter 17:  On the Floor     133

Chapter 18:  NLE Means No Longer Employed     145

Chapter 19:  Solutions     157

Part 2:  Coping With Collections     161

Chapter 20:  Stopping Collection Calls     163

Chapter 21:  Checking Out a Collector     167

Chapter 22:  Using Collection Law     171

Chapter 23:  Reading Your Credit Reports     177

Chapter 24:  Preparing a Complaint     183

Chapter 25:  Negotiating a Debt Settlement     189

Endnotes     195

Index     201

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ISBN-10: 0-13-264351-0

ISBN-13: 978-0-13-264351-1

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