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.

Have you ever listened to real debt collection calls from real debt collectors telling lies? I have a lot of them and here are three that show the lies and deceit. And I confront them on it. They are within this book. This book is about how to defend yourself, using transcripts from conversations I have had with debt collectors. It shows you the collection process, how the collector must proceed, and what to do if they do not. It shows how to hold conversations with them, what paperwork to file and even an example of how to respond to a lawsuit. Yes, you can do that yourself. What I want to do is show you the rules of the game and how they are applied. If you are aware and know the rules of the game, it is much easier to defend yourself.

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.

“The book teems with eccentric characters and scenes that made my skin crawl…. Explained simply, read easily, Bad Paper defies expectations. It should also raise quite a few alarms.”-Colin Dwyer, NPR

The Federal Trade Commission receives more complaints about rogue debt collecting than it does about any activity besides identity theft. In Bad Paper, journalist Jake Halpern reveals why. He tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed robber, who become partners and go in quest of “paper”-the uncollected debts that are sold off by banks for pennies on the dollar. As Aaron and Brandon learn, the world of consumer debt collection is an unregulated shadowland, where operators often make unwarranted threats and even collect debts that are not theirs.

Introducing an unforgettable cast of characters, Halpern chronicles Aaron and Brandon’s lives as they manage high-pressure call centers, hunt for paper in Las Vegas casinos, and meet in parked cars to sell the social security numbers and account information of unsuspecting consumers. The result is a vital exposé on the cost of a system that compounds the troubles of hardworking Americans and an astonishing feat of storytelling.

An Amazon Best Book of the Month, October 2014: Everyone knows about collections agencies, but how they actually operate is much more interesting than you probably think. Falling somewhere between Glengarry Glen Ross and Mean Streets, Jake Halpern’s Bad Paper introduces us to an economy spanning many shades of gray. Halpern’s book tracks the descent of “paper” (spreadsheets containing the information of millions of debtors and their debts) as it’s sold for pennies on the dollar by banks and credit companies and passed through a network of collectors. Files are often bought and sold multiple times, each transaction stripping away the best remaining prospects as collectors wring paper dry through all manners of persuasion and coercion. Along the way, Halpern encounters first-hand the game’s players, from the financiers at the top of the pyramid to mid-level “brokers” and the ground-level phone-jockeys; these are all hard men within their contexts, as one tale of a Tarantino-grade stand-off over stolen information attests. This book is unexpected, and unexpectedly fun. –Jon Foro

Winning your case in court is only half the battle. It’s a fact that some people hide their assets to avoid paying debts and judgments. This truly unique book will show you how to find and reach that hidden money.

Author David J. Cook is a veteran collections attorney who has been chasing down debtors for over 39 years. This colorfully written book will teach you the basics of civil remedies, real estate, finance, and sleuthing. The author outlines for you the power of the bluff and the outer parameters of threat, when a threat becomes extortion, and when you need to walk away from a situation.

This book is about collecting debts, finding assets, enforcing judgments against difficult people, or, should you be so inclined, beating out your creditors.

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

Product Features

• ISBN13: 9780978999728
• Condition: New
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