When bill collectors start calling my first reaction is to cringe away from the phone. It seems so much easier to ignore the problem and hope it, along with the calls, and my debt, goes away. Of course we all know this will never happen and so we do have to deal with it. I wrote this book based on my experience as a debtor and a collector. I am hoping that by being on both sides of the fence my story can help you deal with collectors who break the law, can help you learn how to get out of debt and give you the tools and resources you need to deal with collectors, clear up your debt and move on with your life. Being in debt is very stressful and normally people go into debt when they are already over stressed – for me it was during a divorce which was almost too much to handle, and then I not only had to deal with getting a divorce, but working full time with two kids, not receiving child support or help with the children, balancing the house, pets, kids, jobs, bills and divorce proceedings all while being an emotional mess and having to talk to bill collectors because I no longer made enough money to pay my bills.