I got this book back in the 90's due to Medical Bills that Insurance was to pay. Since they didn't, it fell back on me. After reading this book and following it's advice to a "T", it saved me MUCH time & MONEY! Another review states that Cease & Desist letters don't work. I beg to differ and the reviewer OBVIOUSLY hasn't read the book OR know the law. They state that it may speed up "lawsuits" against you. Well, not from ANY "Collection Agency" it won't. This book tells you that once you send a "Cease & Desist" letter that the Collection Agency can no longer pursue you. That is correct and you also GAIN the opportunity to work with the original creditor again who will probably take less than 50% of what the original bill was just to clear it up and get it off of their books. I still utilize this book to help some friends out if necessary. This book worked for me, allow it to work for you and don't let anyone who hasn't read the book tell you that these "letters, don't work...". They DO and they WILL if you need them to.

A friend recommended this book to me, and I have since recommended and in some cases, loaned it to others. It literally saved me from making a huge mistake -- I still refer to this book from time to time.

The sample "CEASE & DESIST" letters in the appendices are tried and true and stop third-party debt collectors dead in their tracks. Once you have an understanding of your rights and how to exercise them, you will not feel so overwhelmed. Mr. Dover does an excellent job navigating and explaining the laws relating to the Fair Debt Collection Practices Act.

Do not be afraid to utilize the information in this book. Living in the lawsuit capital of the world, I have spent a lot of time researching both federal and state laws, and found Mr. Dover to be extremely accurate. If your account has been referred to an outside collection agency and the original creditor refuses to work with you, there is nothing to lose at this point.

Sending cease and desist letters works really well. And, since the collection agency has no rights whatsoever (as most people fail to realize) this bounces the ball back into the court of the person you actually owe money to-- stop wasting money giving it to collection agencies which will ruin your credit and not pay your debt- instead renegotiate with your debtor and save %20 or more-- this book is worht far more than it costs if you are in debt and behind in payments.