Rating: 
Summary: Sorry, but this book won't make your debt disappear.
Review: It is shameful to learn another attorney is out preying on people with financial difficulties, getting them to buy his book, and deluding them into thinking that somehow their debt is going to disappear and all their problems will be solved.I own a successful collection agency. It's a business I decided to build after an outcry in the region's business community regarding the time and expense required just to get people to pay their bills. Sure, some are hard-luck stories and collectors are willing to make arrangments. Most are dead-beats! These types regularly give a hard luck story, only to find out later they maxed out their bank cards assuming money grows on trees or attempting to keep up with the Jones's! Sorry, but no sympathy for you. Collectors are regulated by federal and state laws. If a collector is incomptetent enough to break one of these laws, the debtor has legal recourse. You don't need to buy this guy's book to know that. Just download the Fair Debt Collection Act off the internet, along with your state's code and save yourself the money that could be used to clean up your credit rating. Collectors call and write letters because if we'll go before the judge, the judge is going to ask about due diligence (did you give the debtor the opportunity to pay). It's our obligation to the debtor. Many debtors prefer to ignore collectors. The debtor can even tell the collector (in writing)to cease contact. We'll stop contacting and give the letter to the judge. That simple! Just remember the debt is never going to disappear into thin air. If you plan on being indigent for the rest of your life, you have nothing to worry about, but the debt is always going to be a gray cloud over your financial life. It would behoove you to not waste what money you have trying to beat the system and make another lawyer rich, at the expense of your financial irresponsibility or poor fortune...
Rating:
Summary: The real way to get out of collections...
Review: It's a shame we live in a society where people must purchase books on how to get out of collections, bankruptcy as a last option. If a tenth of the population knew how to handle their finances and wouldn't get in thousands and thousands of dollars into collections, the national economy would be better off. Adam Smith based capitalism on the premise of acting out of self-interest, creating an enjoyable society. The people who get into collections and have to "fear" the collector are at fault for the enormous debt facing our nation. The simple way to learn what the debt collector doesn't want you to know can be summed up in four words: DON'T USE UNSECURED DEBT. If you can afford a good in the future but can't pay the cost currently, don't buy the good unless you put yourself under secured debt. Millions of people declare bankruptcy a year leaving loaning institutions in debt and forcing the government to hold hearings and file the bankruptcy for the persons. Costs are inflated due to the incompetent person. I am a collector myself (to put myself through college for an economics degree) and am sickened by the amount of cardholders who don't care about their credit. These people need to learn they are a burden on society and shouldn't use unsecured debt if they can only make minimum payments. Until they do, I'll have a job and make alot of money by using the "soft but commanding voice" the previous review refers to.
Rating: 
Summary: Save your money, starting now...
Review: Let me start this review by saving you some money. Click on the author's name to get his newer version. It's contains the same advice at a cheaper price.
The advice he gives is very effective. No need to feel nervous when speaking with those tough-talking COWARDS hiding behind the phone lines as they say things which you know they would never say to your face. The fact of the matter is that there is a law on the books which stops them from phoning you but you have to say the magic words... "I want you to stop calling me, cease all phone communications with me" It's that simple. Don't have conversations with these people, as they work with scripts. They have answers to every possible excuse you can come up with. So just tell them to stop calling even before they start to open their stinky mouths then hang-up in their face.
Rating:
Summary: Save your money, starting now...
Review: Let me start this review by saving you some money. Click on the author's name to get his newer version. It's contains the same advice at a cheaper price.
The advice he gives is very effective. No need to feel nervous when speaking with those tough-talking COWARDS hiding behind the phone lines as they say things which you know they would never say to your face. The fact of the matter is that there is a law on the books which stops them from phoning you but you have to say the magic words... "I want you to stop calling me, cease all phone communications with me" It's that simple. Don't have conversations with these people, as they work with scripts. They have answers to every possible excuse you can come up with. So just tell them to stop calling even before they start to open their stinky mouths then hang-up in their face.
Rating:
Summary: And one more point for Mr. Dimaggio....
Review: Regarding your response to the college student, Lee Iacocca and Chrysler PAID BACK the government loan! As for the S&L's they should have come under the same regulations as full service banks years ago, as well as the credit unions, which will be the next government bailout!
Rating: 
Summary: The Author Responds
Review: Richard DiMaggio, the author, must respond to the debt collector who is upset with the notion that consumers have rights. I must first state that the book does mention that debt collection is an occupation of last resort for most collectors. Unable to find a "real" job in the profession of their choice, the unemployable resort to harassing people for money. The unknown reviewer is an economist who became a debt collector. Enough said. When banks went broke in the S&L scandal, they went to Congress for a bailout. When Chrysler almost went belly up in the early 80's, they went to Congress, too. It would be great if we, as consumers, could go to our government for hand outs, but we can't. And with but a sprinkling of true "consumer advocates" in the country, the consumer has no where to turn. Even popular consumer credit counselling groups are sponsored by banks--but no, they don't tell you that.
The collection industry is huge. It has training camps for collectors, law firms, seminars and conventions. The lawyers who represent debt collectors monitor consumer protection attorneys and discuss ways to quash them. Law suits are monitored on a nationwide basis. Meanwhile, a consumer who has lost a job, became ill, or went through a divorce is up against this behemouth of an industry. The point of the book is that consumers have rights, and lots of them. But you don't know those rights, because the collection industry does everything it can to keep their limitations a secret--i.e., giving a great book a single star rating, even though they most likely didn't even read it.
You, the consumer, are in control of the debt collector. Never, ever, forget that. If the reader is so concern about credit card debt, tell him to tell the credit companies to stop sending everyone so many solicitations and to stop being so reckless in their own business. I have personally been quoted in Business Week magazine, and have appeared on WABC, CBS Evening News and lecture extensively to groups. I know of which I speak.
Rating:
Summary: I would not buy this book
Review: This is not the book I would by to help me with my credit problems. There are more practical books that contain letters, contain practical help. Remember that if you wait 7 years without applying for bankruptcy, your debt will disappear by itself because of the rules. You don't have to apply for bankruptcy. Not 1 book that I read on the topic, told me that. For all of you who have problems with credit, this is a good solution. I hope that helps
Rating:
Summary: Let the Devil sort 'em out!
Review: While "kill 'em all" may be an extreme reaction, this book offers a number of highly satisfying solutions to the problem of persecution by the goose-stepping thugs of the world of debt collection. This book, along with Dover and Donovan's Back Off! empowers the reader with a vast quantity of information so that a victim may make informed decisions in dealing with their debt situation. While the finer points of the Law apply to the American Justice System, the principles may be applied in virtually any democracy. One of the most useful things about this book is that it explains the structure of the organizations and the PSYCHOLOGY of debt collection. Knowing your enemy is 90% of the battle. I would like to expand on the psychological aspects of the debt collection process. In my own experience, in which I was being hounded by a Canadian-based collection agency (some years ago), I noticed that they often use female collectors. This, plus the TONE OF VOICE used by these women is the key to the darker side of collection practices. All people usually subconsciously associate women with nurturing and the Mother figure. By the female debt collectors using a Standard Harsh Callous Unfeeling Cruel Debt Collector Tone Of Voice, they are deliberately trying to trigger a fear and panic response in their victims. This parallels the experiments in which female monkeys have had their facial nerves severed so that they cannot show emotion via facial expression, which causes extreme distress and panic in their babies. Debt collection, as it is usually practiced, is one of the most disgusting and utterly cruel practices in Western society. Many people have literally been driven to suicide by these monsters. Others have simply given up and declared bankruptcy, although as we see, this does not necessarily end the harassment. More than a few bailiffs have been shot dead by desperate debtors, and it is surely only a matter of time before somebody adopts a Tim McVeigh solution to the problem of harassment. This wonderful book clearly shows that it needn't come to this. Before you strap on ninety pounds of C-4 and six inch nails, please read this superb study. Not only will it be more satisfying to use the System to defeat these callous bullies, you'll even live to see the fruits of your actions! Please do not consider my above comments to be flippant. I know what went through my own mind during my darkest hours of persecution. While I was able to clear my own debts by getting a consolidation mortgage, there are many people who do not have this option, and for them, desperate measures will surely beckon. In the post-911 world, even debt collectors should be reflecting on their mortality. I urge you to arm yourselves with knowledge, not propylene oxide. Buy this book, and Back Off!, and beat the bullies at their own game. Nuke the system, not the building!
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