If you are one of the millions of individuals that have outstanding debt, and would like to know what your rights are, this book is for you. In this book, you will get a basic understanding of what your rights are when debt collectors contact you. You will know if that letter you received in the mail is in compliance of with the law. As you read you will learn what your rights are while dealing with the collectors of this debt. When you are finished you will have the knowledge to defend yourself against any unscrupulous collectors. Should all else fail and the debt is overwhelming, you will gain the knowledge and understanding of your rights under the bankruptcy laws. You will gain insight into the applicable chapters of bankruptcy, which chapter is best for your situation. More importantly, you will learn how to navigate through the process without employing a costly attorney.