Hate getting the mail from the mailbox or
answering unknown numbers on the phone because of debt?

Learn How To Address Those Annoying Letters And Telephone Calls From Debt Collectors And Know Your Rights Under the Bankruptcy Laws

Learn what your rights are as the law says. Know what a debt collector can and cannot due in attempting to collect a debt.

If you have ever been contacted by a debt collector, you are well aware of how persisent and annoying they can be. Are you aware of your rights when talking with debt collectors and their agents? And, if the debt has become to great and you can no longer handling it, are you aware of the bankruptcy laws and your rights within them?

Most individuals do not know, let alone understand, the rights that Congress has provided when contacted by debt collectors and their agents. In addition to learning how to respond to debt collectors this book provides insight into the bankruptcy laws to assist with disposing of any overwhelming debt load you may have.

Do you know what the Fair Debt Collections Practice Act entails? Do you know what your rights are under the FDCPA? This book will help you understand what the law says debt collectors are allowed to do when contacting you. 

Are you familiar with the different bankruptcy chapters? Do you know what the difference is between a Chapter 7 and 13 bankruptcy? If needed, could you prepare your own bankruptcy petition? 

If you answered "no" to any of these questions then this book is for you.

In this book you will learn:


  • When the debt collector can contact you regarding any outstanding debt;
  • What information the collector is suppose to provide regarding the debt;
  • Your rights in responding to the debt collector and their agents;
  • What constitutes harrassment by the debt collector and their agents;
  • How to get the debt collector to stop contacting you;
  • When you should file for a bankruptcy;
  • What debts are dischargeable in bankruptcy;
  • The difference between the bankruptcy Chapters;
  • What the "means test" is and how to apply it your petition;
  • How to file a bankruptcy petition without an attorney; and,
  • So much more . . . . 

If you are being contacted by debt collectors and want them to stop harassing you: Act Now!

Get the collector to stop harassing you and your family. If your debt has become overwhelming; and, you're unable to maintain payments, this book also provides you with the necessary knowledge and understanding of rights under the bankruptcy laws and how they can benefit your financial freedom.

Learn how to take control of your debts and begin walking the path to financial freedom, and a financial new beginning, that taking this step brings.

Click Here to Order Now

Take back your financial life and climb out of debt.

Learn what your rights are and how to enforce them against overly aggressive debt collectors and their agents.

And, if the debt becomes overwhelming, and you are sinking in credit card, medical and other outstanding debt, you will be armed with the basic understanding of your rights under the bankruptcy laws.

KNOW YOUR RIGHTS AS IT APPLIES TO THE DEBT IN YOUR LIFE . . . . .

Begin fighting back today: Buy Now!

Download your copy today and begin fighting back tomorrow!!!

Click Here to Order Now


"I found this book to be an easy and informative read! It helped me understand my rights when the pesky debt collectors would contact me. Although I have not needed to file for bankruptcy, the information on bankruptcy has been great to know"

See what our customers had to say:


Demetrece Welch's level of understanding of the debt collection laws, and law in general, has assisted me greatly. This book was a wonderful read and capitalizes on his thorough understanding of the debt collection and bankruptcy laws.
Christopher Termeer President, Termeer Publishing
As a life coaching company, I coach individuals on how to handle, in pro per, their various legal matters including debt collection and bankruptcy matters. Demetrece Welch has provided support to my company on numerous occasions. His understanding of the law and how it is applied is above reproach. As a bonus, I provide this book to my clients to help them understand their financial options. Joseph Farley President - Friends of Fathers

Understanding your rights when dealing with debt collectors is crucial to your overall personal finances.

Understanding what debt collectors and creditors are legally allowed to do is crucial to knowing if your rights have been violated.

Knowing which chapter you may qualify for in bankruptcy is crucial to your financial well-being.

Knowing how to handle debt collectors and creditors, and knowing the options that the bankruptcy laws grant you, can lead you to a new beginning in your financial life.

Knowing your rights as a consumer, and debtor, when dealing with debt collectors is vital to your personal finances. Knowing what the law says about debt collection practices, is vital to your personal sense of peace, and well-being.

STOP THE DEBT COLLECTORS FROM HARASSING AND THREATENING YOUR OVERALL WELL-BEING TODAY!!!


If you are one of the millions of Americans who is overwhelmed in debt, knowing which chapter of the bankruptcy code applies to your situation, is vital to your personal financial stability.

Remember, this book will explain:
  • When the debt collector can contact you regarding any outstanding debt;
  • What information the collector is suppose to provide regarding the debt;
  • Your rights in responding to the debt collector and their agents;
  • What constitutes harrassment by the debt collector and their agents;
  • How to get the debt collector to stop contacting you;
  • When you should file for a bankruptcy;
  • What debts are dischargeable in bankruptcy;
  • The difference between the bankruptcy Chapters;
  • What the "means test" is and how to apply it to your petition;
  • How to file a bankruptcy petition without an attorney; and,
  • So much more . . . . 

Buy Now!

Only $29.95

Purchase your copy today and take
the first step to your financial new beginning!!!!

Click Here to Buy Now

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The information provided in this book is not meant to be construed as legal advice. It is for informational purposes only. Although the information provided in this book will assist you with handling disputes on your own, depending upon your personal financial circumstances, you may need to consult with an attorney prior to taking any legal actions.

If you need any help, please contact us at info@debtandyourrights.com

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