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This timely update explains that dealing with financial setbacks effectively is a combination of understanding what your rights are; understanding to what extent a creditor can go to collect a debt; and, understanding how to defend yourself against illegal actions that may be taken.
A new section on the most frequently asked twenty-five questions with extensive answers helps the reader grasp quickly the reality of the financial situation and to elimiate the emotional part. Updated sections concerning credit reports, credit reporting agencies and truth in lending disclosures as it relates to the IRS are also included.
Author BiographyGudrun Nickel received her bachelor's degree from the University of Kansas, her master's degree from the University of Wisonsin-Milwaukee, and her law degree from Washburn University of law in Topeka. Licensed to practice law in Florida, Illinois, Kansas, and Montana, Ms. Nickel currently resides in Naples, Florida.