Don't Let Bill Collectors Trick You during these Tough Times

With the economy tanking, gas prices rising daily, food staples quadrupling in price, companies laying of record number of people, and Washington still on a spending spree and in denial, more people owe more than they make.

They've cut back on spending but it's not enough. Many have to make the hard decision of which bills to pay because they just don't have enough money to pay them all. After all, we can't all be as rich as the Clinton's.

Enter the Bill Collector: they work on commission. If you take their advice, they will ruin you. Under the Fair Debt Collection Act, what they can and can't say: and what you should say. It's hard, it's humiliating, but with the 2005 Bankruptcy Overhaul Sell-Out Congress and the President handed the Banks and Credit Card companies, you do what you have to do to survive.

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