TY - BOOK AU - Williams,Fred TI - Fight back against unfair debt collection practices: know your rights and protect yourself from threats, lies, and intimidation SN - 9780137058303 AV - HG3752.5 .W55 2011 U1 - 332.024/02‰222 PY - 2011/// CY - Upper Saddle River, NJ PB - FT Press KW - Collecting of accounts KW - Tài chính KW - Tài chính cá nhân KW - Tài khoản N1 - Includes bibliographical references (p. 195-200) and index; Lessons in deception -- Credit is king -- Anger can be power -- Closeout : "no tomorrow" -- The shakedown industry -- PIF means payment in full -- Payday, the tables turn -- Debtors' rebellion -- Debt for sale -- The golden rule : money today -- Strengths and weaknesses -- Collector of the week -- Retention -- A complaint -- Data minefield -- Graduation day -- On the floor -- NLE means no longer employed -- Solutions -- Stopping collection calls -- Checking out a collector -- Using collection law -- Reading your credit reports -- Preparing a complaint -- Negotiating a debt settlement N2 - An insiders' report to help you protect yourself from debt collectors, by learning what really goes on inside a collection agency ER -