In this ebook you willl learn that repairing your credit rating is not as intimidating as it might seem. It's as simple as writing a few letters, which are almost completely written for you here. It's actually fun to make the "big guys" listen to you, and do what you ask, rather than the usual routine of them telling you their policy, and doing just as they please. It's a real boost to a person's self image. In recent years Congress has passed some important consumer protection legislation. The most significant of which is The Fair Debt Collection Practices Act. A brief summary of the Act is included in this book. Most importantly, there are references to case law in the summary. I'm not aware of anyone else who quotes this information, who also includes case law. You will see that this is very important when you wish to assert your rights. No longer do you need to fear third party "debt collectors." In fact, if you receive a notice from a debt collector that they are attempting to collect a debt, I want you to jump for joy. Do handstands, and such. When a creditor turns over an account to a collection agency, or an attorney, that you purportedly owe them, they open themselves up to a potential disaster. Do not fear credit reporting agencies, either. They are subject to The Federal Fair Credit Reporting Act. The law and the government are on your side. Collectors and credit bureaus almost never handle accounts correctly. When they don't they deprive the alleged debtor of his due process rights. Depriving an alleged debtor of his due process rights is the grounds for a big law suit. It also voids any legal proceedings. This is very, very important. I will say it again in another place in this book. NEVER ALLOW ANYONE TO NEGOTIATE BY TELEPHONE. There is a maxim which states, "If it isn't written, it wasn't said." You must have everything, on both sides, documented IN WRITING. Later in this little ebook I will go more into detail of some actual cases, including correspondence with third party debt collectors that resulted in a nullification of the entire debt. You need to know this information. It's deadly. But, first let's look into the foundation for this kind of action. It is very unlikely that you will significantly improve your credit rating in thirty days as some people promise, but you should see some improvement in thirty days. Everyone's situation is different. In some cases that need only minor tweaking, thirty days might do it.

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