Dealing With Creditors

Due to the recent economy, several people have had to miss a payment or two on one type of debt or another. Often, fear and panic set in as creditors or collectors barrage borrowers with relentless harassment. This PLAIN ENGLISH GUIDE provides tips, techniques and secrets to Stop Creditors Cold!

Some of the many topics covered in Plain English include:
- Your rights
- WHO to pay first, second . . . .
- WHAT to expect - steps and actions taken by each type of creditor for each type of debt
- WHEN creditors will take the various steps
- SECRETS to stop their collection actions
- WHAT to say (and NOT say) to collectors
- HOW to negotiate to reduce your debt like the pros
- WHAT kind of results to expect when you negotiate your debt
- How long can they pursue you
- Dealing with collection agencies and attorneys
- Zombie debt
- Should you use credit credit counseling or a debt consolidator
- What should you expect if you use a credit counselor
- How long will it take if you use a debt consolidator
- How does using a debt consolidator affect your credit score
- How to get your credit report and credit score for FREE

This Plain English Guide also includes tables of statutes of limitations on debts and sample documents and forms!