This instruction provides insight and information which can help the average consumer gain knowledge needed to successfully negotiate with creditors, collections agencies, and credit reporting agencies. This information is also useful for implementing credit correction and repair, and for obtaining debt reduction without having to use a commercial consumer's credit agency. In an effort to make known to the public the little known facts about credit, debt, and the financial industry in general, the effects it has on personal lives, and strategies for successfully dealing with the consequences of debt and credit, Ms. Silverman has written this book with the intention that anyone who sincerely wants to know how to "work the system", at least this one aspect of it, should have the information to do it.