Most helpful and informative financial based self help book on the market today. Written by an insider to the business, with a knowledge of industry practices, dirty tricks and shady business aims of some of the worst underbelly, white collar predators around the American economy today, and the best and most effective ways to fight them. This book gave me a heads up on fighting these debt collectors and and a fresh start at rebuilding my financial future. Highly recommend. Mr Cardoza and his book are more worthwhile than Donald Trump and Suze Ormond combined. His book gave me a fresh start and goes a long way to retaking the moral high ground for the average American consumer. 5 STARS. Strong, straight up.Eric E.