My mother purchased this book and passed it on to me (after i did my
debt settlements so i really didnt need it) i read it in about a week and i must state that my opinion of this book was that it was pretty good and i did learn many things from it. Granted most of this stuff is found on this website. But for someone who may not have internet service(trust me there are some out there) This could be a pretty handy little book to have. It states all the sol of every state at the current time he wrote the book, phone numbers and adresses of places to compain or how to get answers, and how to deal with the creditors, and what the actual laws are. Like i said you can find all this information on the net, but what if you dont have a computer, or internet service? many people dont. If you dont want him to recieve the money buy it on ebay if your still interested, many people are reading it and reselling it. I kept mine to reference when needed. so i have mixed opinions on this book but you can purchase it at other places instead of from his hotline and get stuck paying for all the "services" he provides. I believe those things are ways to just squeeze a few more dollars out of you. pick it up at the salvation army or a yard sale. I see them every were. but for the most part everything that you need can be found right here at home on this forum