If you’re facing unpaid bills or debt collectors, I don’t need to tell you how much anxiety and annoyance, not to mention outright fear, that can cause. You’re worried about whether to hire a lawyer or face a judgment against you that could hurt you for many years. The amounts they want add up to astronomical amounts, and you wonder what in the heck you can do.

We know all about that, and we have great news. Because of the way the debt collection industry works, there are many things you can do, whether you’re at the negotiation stage, being sued, or trying to clear up damage that has been done. There are things you can do. In this little tutorial we’re going to get you started. We’ll give you good information you can use, and we’ll show