Do you have excessive debts with no idea how you will pay them off? Are you being pursued by your creditors, receiving aggressive phone calls from debt collectors, and letters threatening court action?

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Fifteen percent of Americans said that they had been pursued by a debt collector, according to a report by the Consumer Financial Protection bureau in 2017. Only one in four of these attended the court hearing. In all the other cases, it is almost certain the collectors will have benefited from default decisions in their favor. A judgment that would allow the debt collector to garnish wages or sequester other assets.

If any of these situations apply to you, this book provides the solutions. Using the three-step negotiating strategy in this book is a proven approach for drastic debt reductions for people of all different backgrounds and income levels.

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