I really appreciated the authors candor about an industry that he was such an integral part of. Glad that he is on the side of the American consumer now! It is hard to believe that there is anyone out there who has not felt the sting of the modern debt collection machine that seems especially prone to attack the elderly, youth, and down on their luck members of our society. This book provides an easy to follow method for evening the playing field and in some cases even getting ahead of the bad guys.Beth H.