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Learn how to defeat debt collectors and collection attorneys attempting to collect money you owe, but cannot pay right now. Read for free the first five chapters of the Credit Card Debt Survival Guide below and judge the quality of the information for yourself. Then buy the rest of the book with a money-back guarantee.

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Table of Contents: The Credit Card Debt Survival Guide
Scroll down for Chapters 6-9

Chapter 1: The Short Story on Credit Card Debt
Learn to How to Fend off Unsecured Creditors and Debt Collectors before Making Any Decisions about Paying for Credit Card Debt Relief.
Safety in Numbers - Debt Collectors Do Not Want to Waste Their Time with Those Who Resist
Avoid Committing Financial “Death” By Guilt    
Negotiating Reduced Payments or a Lump Sum Settlement
What Happens when You Go Into Arrears        
The Best Time to Negotiate a Settlement  
Collections and Negotiations before Your Account Charges Off
Debt Collection After an Account Charge-off and Sale    
Why Should a Debt Collection Attorney Work for the Other 20 Percent? Resistance and Documentation – How to Help Yourself  
The Arbitration Scam
Avoid the Wrong Kind of Credit Card Debt Help      
Finding the Right Kind of Credit Card Debt Help   
Adopt a Do-It-Yourself Attitude, Then Seek Help if You Need to   

Chapter 2: There Is Relief in the Large Number of Accounts in Arrears   
You are one of thousands or more who are late with their credit card debt.
How much money can they get from you?   
If you are unreachable by phone then you present less of an opportunity for the collector.

Chapter 3: The Debt Collection Industry - Understand the People You Will Be Dealing with  
The Credit Card Banks   
Collection Agencies        
Junk Debt Buyers 
Collection Attorneys       
Your Local Court  
Arbitration Forums        
The Credit Reporting Agencies

Chapter 4: Credit Card Debt Services - Don't Go Deeper into Debt with Poor Services
Debt Management and Debt Counseling Services  
Evaluating Credit Counseling Agencies         
Credit Card Debt Consolidation      
Credit Card Debt Consolidation Loans    
Credit Card Debt Negotiation or Settlement
Credit Repair Organizations (CROs)  

Chapter 5: Credit Card Debt Settlement       
Working with Your Creditors   
Settling on Your Own        
Basic Debt Settlement Strategy
Getting Your Story Straight      
Settling with Credit Card Banks
Negotiating Tips  
Settling with Collection Agencies        
A Debt Settlement Checklist    
Agreement to Settle a Debt      
1099-C Issuance   
Two Debt Settlement Publications     
Interviewing Debt Settlement Resources      

Chapter 6: Defeating Credit Card Debt Collectors - They Have Very Little Power 
Debt Validation Letters  
The Different Sources of Debt Collection    
Collection Agency Practices      
Best Practices for Dealing with Debt Collectors   
Fair Debt Collection Practices Act Violation (FDCPA) Highlights    
Debt Collection Statutes of Limitations        
Debt Forum Links

Chapter 7: Defeating Court Action and Arbitration
Defeating Court Action and Arbitration      
The Short Story on How to Minimize Your Chances of Being Involved in a
Court Case for Credit Card Debt 
What to Plan for in Case You Receive a Court Summons 
The Court’s Point of View and the Rules of Civil Procedure      
Responding to a Court Summons      
Answering a Complaint 
The Rest of the Case      
Credit Card Debt Arbitration   
If You Receive a Summons to Confirm an Arbitration Award against You . . .        
Phantom Judgments       
Bankruptcy and Judgments      
Suing Debt Collectors and Getting “Free” Legal Help      

Chapter 8: Finding The Right Kind of Help 
Joining and Posting on Online Debt Forums
Other Helpful Web Sites 
Finding a Lawyer for Debt Settlement
Finding a Lawyer for Legal Advice and Help     

Chapter 9: Developing a Plan of Action for Credit-Card-Debt Relief 
Informal Bankruptcy vs. Bankruptcy  
Plan of Action Checklist 
Save What You Can in Case You Need It.   

Index - Common Abbreviations 

Educate yourself and become confident with the Credit Card Debt Survival Guide.

Review our growing list of original articles (21) on credit card debt and collections.

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