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To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors

To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors

List Price: $10.95
Your Price: $8.21
Product Info Reviews

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Rating: 5 stars
Summary: Sue predatory credit granters --cost them money!
Review: Hilton's book is excellent and his advice is good. Predatory credit granters ought to be sued and sued often. Don't be misled by the bad reviews posted here by -- guess who? -- minions of the credit industry. Hilton's advice is to simply turn the tables on your creditors -- sue them before they sue you. What after all, do you have to lose? If it doesn't pan out, well, there's always bankruptcy.

Rating: 3 stars
Summary: Offers some hope...
Review: I bought this book because I thought it might give me some ideas on how to fight credit card debt. And the book does deliver in this arena - it does give ideas, that may or may not be applicable to your situation. If you are already "enmeshed" in legal battles, the advice that Hilton offers, though, may not be applicable. Mostly what this book offered me was a sense of hope, some interesting information about the legal system and creditors in general, and some comfort in knowing that I am not alone in my "battle". The thing that most bothered me about this book was that there is no way to contact Mr. Hilton, no list of further resources, etc. His book is the only one, as far as I know, out there with this particular viewpoint. As such, I believe he should back up his book in a better way, by providing more information on how to contact him, a website, etc. He does seem to be passionate about this subject, and I can't understand why someone would write a book like this, and then just sort of leave the readers "hanging".

Rating: 1 stars
Summary: No Secrets - Very Few Facts - Poor Writing Style
Review: I started to skim this book to see what it was made of and to lock onto any interesting facts. What it is made of is a series of bland adjectives, witty phrases (at least the author seems to think so) that add nothing but filler, and broad and wasted analogies to great historical people and entities that the author seems impressed to have learned about. The whole thing reads like a Mitchner book, full of superlatives, with little fact or meaning. I.e. one section heading: "The Expert Witness: The Secret Weapon of the Countersuit." I have watched "Law and Order" on few occasions and they often have an expert witness - THIS IS NOT A SECRET. At another point the author states, "At Harvard Business School, MBA students are taught that the only thing that counts in life is the 'bottom line.'" I went to a Penn State masters program in business and learned the same thing. I was also required to take a business ethics course which supported this notion but also insisted that the best way to achieve it was through customer satisfaction, among other things. This customer is not satisfied with the book. I would sell it on AMZ as a used book, but would feel that I was ripping people off - even if I sold it for a cent. There are better books out there.

Rating: 3 stars
Summary: Offers some hope...
Review: Mr. Hilton has given me some hope. I only wish I knew how to contact him for more info.

Rating: 4 stars
Summary: Learn how to sue creditors
Review: This book is about how to sue creditors, banks and anyone else you owe money to so you can get your debt reduced or canceled. It's a good read, informative and kind of exciting depending on your situation.

The author is passionate about the topic and delivers a well rounded view with views from "The Holy Bible" to "The Art of War" which is part of the reason why it's a good read.

However, the author seems to be a very aggressive lawyer who has his own views on the legal system and reasons for ethically making decisions to fight back.

Anyway, the same day a read the book, my bank called and harassed me about my late payment and ironically they said things that were mentioned in the book that gave me a case against them. Well I called my dad who is a seasoned and successful business man, Retired Major General, to get his opinion. Considering his history with lawyers coming after his money and real estate over the years he was very calm and wise when he said, "I understand your situation and I understand that you can sue but the fact is you owe the money and you're going to pay it. You signed a contract and spent the money and that was the deal. It doesn't matter if your combined interest payments have payed the debt or more than the debt... you owe the money. Now lets come up with a plan on how to make some money and pay your debts."

So what's the verdict in what I think about the book? This book will fire you up to sue and will give you reason to sway your ethics. But if you've been abused by a creditor then maybe you do need to sue to at least reduce the debt or come up with a payment plan.

So if you've been abused and need some direction, get the book. If your debt is light and you don't have problems with creditors, get a book on how to manage your money (check out Dave Ramsey) and another on how to make money.

I give 4 stars because the book delivers. Less one star because it is strong in its ability to sway your ethics... but hey, the author is passionate and very focused.

Rating: 1 stars
Summary: Do not buy this book!
Review: This book is the biggest waste of time ever. It is written by a lawyer, whose sole purpose appears to be to get you to use lawyers for everything in life. Forget paraphrasing, I can tell you in depth everything this book taught me in its 209 pages about cleaning up your credit. SUE SUE SUE! In my opinion, Stanley G. Hilton is what's wrong with America today. Nothing is your fault, everything can be blamed on someone else, and you can do that through lawsuits. Unfortunately, there is no zero stars rating, because 1 is about 10 stars too many for this book.

Rating: 1 stars
Summary: Inaccurate Information Makes Me Suspicious
Review: This book make me nauseous. The tone, the message ... could hardly believe what I was reading. When I got to the page where Hilton states that credit scores (FICO) range from 0-1000 and are issued by TRW, I knew I couldn't trust this author. Come on, Mr. Hilton! Do your research. TRW has not existed as a credit bureau for at least 10 years and credit scores range from about 350-950 max depending on the credit bureau issuing. Isn't it funny how this clown nit picks and searches for the tiniest little error to have grounds to sue! sue! sue! (recommended repeatedly throughout the book) ... but can make inaccurate statements in his book like it's no big deal. I hope someone sues! sues! sues! him for writing this ridiculous book. Do not waste your money on this one. For sure I won't donate it to my library. Someone might accidently read it.


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