This book by Author, Attorney, Alfred Smith Landry, Jr., uses his personal experience of recovering from massive credit card debt to show you how to survive what may appear to be an insurmountable crisis. Included is:How to stop the telephone calls from collection agencies. What to say to callers; What ALL of your options are -not just bankruptcy - including debt counseling, debt negotiation and/or fighting the debt on the basis of unconscionability and adhesion. Also included in the Supplement are new topics such as the attempt by credit card banks to force consumers into mandatory, binding arbitration and the effect of the Bankruptcy Reform Act. The Author will respond to email questions from all purchasers, and may to be hired to conduct Debt Negotiation for them. This book will help you beat the depression that often accompanies massive debt. You are not alone, and you are not a deadbeat. Never, ever give up the fight to defeat the minimum monthly payment scam. The credit card debt in America is shocking. I have clients with credit card debt exceeding $150,000. It is a trap that can snare the most intelligent consumer.
