As Europe began to grow rich during the Middle Ages, its wealth materialized in the well-made clothes, linens, and wares of ordinary households. Such items were indicators of one’s station in life in a society accustomed to reading visible signs of rank. In a world without banking, household goods became valuable commodities that often substituted for hard currency. Pawnbrokers and resellers sprang up, helping to push these goods into circulation. Simultaneously, a harshly coercive legal system developed to ensure that debtors paid their due.

Focusing on the Mediterranean cities of Marseille and Lucca, Legal Plunder explores how the newfound wealth embodied in household goods shaped the beginnings of a modern consumer economy in late medieval Europe. The vigorous trade in goods that grew up in the fourteenth and fifteenth centuries entangled households in complex relationships of credit and debt, and one of the most common activities of law courts during the period was debt recovery. Sergeants of the law were empowered to march into debtors’ homes and seize belongings equal in value to the debt owed. These officials were agents of a predatory economy, cogs in a political machinery of state-sponsored plunder.

As Daniel Smail shows, the records of medieval European law courts offer some of the most vivid descriptions of material culture in this period, providing insights into the lives of men and women on the cusp of modern capitalism. Then as now, money and value were implicated in questions of power and patterns of violence.

Do you know that millions of dollars of debt are collected illegally every year? Do you know that it may be possible for you to receive a payment from a debt collector or creditor for legal damages? The Secret World of Debt Collection shows readers how they can reduce their personal debt and possibly win thousands in legal compensation. I wrote this book because it’s only fair that you find out what you’re really up against when it comes to consumer credit, finance, and collections.

Attorney and former debt collections CEO, Mike Cardoza wants you to know that what you might think is an impossible situation is not. Mike Cardoza is the most senior executive from the consumer credit and finance industry to publish such a comprehensive account on the vulnerabilities and shortcomings of American consumer credit and debt collection companies. A former CEO and Executive Vice President in debt collections, he lays bare the economic realities of the U.S. credit and collections system that virtually ensures that millions of dollars of debt are collected illegally every year.

For anyone who wants to get out of debt…

Do your money problems keep you up at night worrying? Do you stress about not having any money left to pay your bills after buying basic necessities? Does it seem like no matter how much you pay off, your debt only increases? More and more people are finding themselves struggling with debt, whether it is from their massive student loans, the mortgage on their home, car loans, or credit card debt. Even those who have great paying jobs often will end up living from paycheck to paycheck.

Stop making choices that are driving you further into debt…

For the first time, two bestselling money management books have been collected into a single volume, Debt Free Forever. This definitive collection tackles some of the most serious problems those who are in debt suffer from, namely a poor credit rating and living well beyond their means. With Debt Free Forever, you will learn techniques that will help you repair your credit as well as strategies that will help you live much more frugally.

Debt Free Forever – The Definitive Collection on Living Frugally and Credit Repair contains the following two books:

Easy Credit Repair – Effective Strategies to Fix Even the Worst Credit Problems by Warren R. Sullivan Frugal Living – Learn Proven Techniques to Help You Live Within Your Means by Nicole Harrington

Take control of your life and finances today! Debt Free Forever is your first step to a better tomorrow!

Named for her late father’s most prized possession, Aston McNeil shares a deep connection with the classic car she inherited upon his recent death. When she learns her reckless stepbrother lost the car as collateral to Houston’s most feared loan shark, she fights the urge to throttle him and vows to do whatever it takes to get it back.

Mechanic and mob enforcer Ben Beciraj can’t believe his eyes when Houston socialite Aston McNeil storms into his chop shop and demands the return of the car he’s just repossessed. He counters with a deal he never expects the fiery blonde heiress to accept–one week at his beck and call for the keys to her late father’s favorite toy.

But Ben’s plans to have a little fun with a girl way out of his league are shot to hell after one taste of sweet, beguiling Aston. When her stepbrother’s shady dealings are revealed, Ben will do anything to protect her from the seedy underworld he inhabits–even if it means crossing the only family he’s ever known.

An Attorney’s Guide to the Collection of Bad Debts is meant to give readers a broad overview of debt collection techniques as well as to inform them of some popular debt collection techniques used by attorneys. The reader should consider this book a type of debt collection techniques catalog. We authored this second edition so that it can be read easily and quickly during a day’s commute to and from work. This second edition also contains revised copies of sample legal forms used to facilitate the collection of bad debts and contains an updated section on asset protection trusts. After reading this book, you will become aware of certain collection techniques so that you can have an informed discussion with an attorney about potential options available to you. This book is not to be considered legal advice and is meant for general information purposes only. This book is not a substitute for the advice of legal counsel.

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You can use these letters as they are, modify them to suit your needs or your business or just use one sentence from a letter. Each letter should be on your company letterhead and include your company name, address, phone and fax, web address, email and any other contact information. The letters that get the best results are not “form” letters. If a letter looks like a form letter it loses some of its punch. The most effective letters are short, to the point and easy to read. Try to avoid long or confusing words and sentences. The more direct, the fewer misunderstandings. Have someone read your letter and see if they totally understand it. If they do, then chances are your debtor will, too. Your letter is a reflection of your business; keep it professional. Remember that your letter is to persuade someone to send you money. Your wording and tone are critical, especially if this is a customer you want to continue to do business with. Always assume the debtor will pay. Enclosing an envelope for payment is always a good idea. You can also include an envelope with postage. The easier you make it for the debtor to make payment, the better your chances are of receiving that payment. Collection letters should do two things: retain customer good will and help you get paid. You know a letter works well when you do a mailing and your phone rings off the hook when everyone receives their letters. If you send out a letter and there is no response, you need to re-work your letter.

How to Eliminate All Debts, get Complete Debt Relief, and Remain Debt Free.

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. Part of the Legal Playbooks™ Series, The Debt Relief Playbook is an invaluable resource in defending against creditors, debt collectors and their attorneys.

After two decades of fighting creditors and debt collectors on behalf of thousands of clients, Board Certified Attorney Mark Wesbrooks has put together a 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. Wesbrooks effectively explains legal protections, strategies, and procedures in easy to understand terms.

The Debt Relief Playbook provides a roadmap to financial freedom, including sample letters, court documents, and legal references (The War Chest) that will help you stand up and fight to protect your family and preserve the American dream.

The Debt Relief Playbook is part of the Legal Playbooks™ series of publications designed to arm consumers to stand up to creditors and prevail. 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. Rights and remedies exist which will be lost if the consumer does not act timely in asserting proper legal claims and defenses.

Proper planning and an early counter-attack can eliminate the problem. When your family is under attack, it is time to fight and prevail!

Beat Greedy Lawsuit Filing Debt Collectors At Their Own Game. Learn to Fight Debt Collection Lawsuits and WIN! I look at being sued by a debt collector like this: If you are going to sue me, you better have the proof and documentation to validate it. It doesn’t matter if I owe the debt or not. I am not an easy money target and after you read my book neither will you. Foreword excerpt: “Allen Harkleroad may just be the most dangerous consumer in America for companies that treat people unfairly. He has a long and distinguished history of sticking it to those who have treated him and others unfairly. You can now take advantage of his thousands of hours of research and considerable experience and put it to good use in defending yourself against collections lawsuits. Bottom line is that you as a consumer need to be prepared to stand up and assert your rights to protect yourself. With Allen on your side you are on the right track.” ~ Chris Gleason, Esq. www.Consumerhelp911.com “I meant to tell you that I read the book on Friday and it is incredible. I love the motion to dismiss. Powerful and easy to understand.” ~ Barbara of Next Level Unlimited

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• Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

In the early 1990s we experienced a recession not quite as bad as the great recession of 2012 but painful for many nonetheless. Back then I did live radio five nights a week on this one subject (credit repair) broadcast out of Miami. The program, like this book, was called Credit Warfare and focused each night on a new credit repair or debt collection issue.

Many people listened nightly on their ride home from work. It was the highest rated program on AM radio during drive time because so many people needed help. Doctors, lawyers, judges, secretaries, police officers, nurses, truck drivers etc… listened to Credit Warfare and used the information to pull their lives back together.

A superior court judge became a federal judge. A police lieutenant became a captain. Others got new jobs and started businesses. They were now able to get the best rates on insurance, homes, cars, credit cards and so on because they were trained to handle their credit repair / debt collection issues themselves.

Today more than 61 million Americans have bad credit with another 30 – 40 million classified as bruised to sub-prime. I knew things were getting bad back in 2007 when I started receiving emails from those who listened to me on the radio or came to seminars 15 years earlier asking for help again.

As was the case then, you can re-take control of your financial life without a credit repair company, credit counseling or in most cases an attorney. You can stop the creditors, collectors and lawyers with little effort and regain some sense of serenity in very short order if you know what your rights are and how to enforce them.You truly can remove any negative information from your credit report on your own legally with minimal time invested.

Credit Warfare will provide you with the knowledge you need backed up with legal references, resources, a plan of action and step by step instruction to deal with any credit or debt collection issue regardless of whether you are a novice or experienced consumer. Most importantly Credit Warfare will help you sleep at night knowing you have the power to fix the issues at hand and protect yourself from any further attacks.