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| To Pay Or Not To Pay: Insider Secrets to Beating Credit Card Debt and Creditors | 
 enlarge | Author: Stanley G. Hilton
Publisher: Adams Media
Category: Book
List Price: $10.95
Buy Used: $2.89
You Save: $8.06 (74%)
New (22) Used (27) Collectible (3) from $2.89
Avg. Customer Rating:  13 reviews
Sales Rank: 220357
Media: Paperback
Number Of Items: 1
Pages: 224
Shipping Weight (lbs): 0.6
Dimensions (in): 8.5 x 5.5 x 0.6
ISBN: 158062944X
Dewey Decimal Number: 346.73077
UPC: 045079209442
EAN: 9781580629447
ASIN: 158062944X
Publication Date: December 1, 2003
Availability: Usually ships in 1-2 business days
Condition: Ships from Kentucky. Some books contain writing/highlighting from the previous student. The cover has normal wear from class use. Your book may not include the CD/Access code. If you need this material please e-mail me before you order so I can check the book. Just let us know if you have a question and thank you for your order.
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| Customer Reviews: Read 8 more reviews...
 THIS BOOK ROCKS! July 27, 2007
2 out of 3 found this review helpful
Nothing will stop corporate America to raising credit card interest rates to 100% if they can get away from it. Sure you can sue the them, but did you know you can sue the company that issued that debt? Like the ENTIRE Board of Directors too? NOTHING will stop companies from REAPING off consumers faster then this book. I could not even read the fine print on my CC bill. This allows you to FIGHT back. Don't believe the reviews, this is a Harvard Lawyer, he's knows EXACTLY what he is talking about. Go Stanley, Go! :-)
Horrible Book May 25, 2006
4 out of 8 found this review helpful
This book is one-sided and a total waste of time and money. The "solutions" he offers are not detailed and many are very unrealistic.
I am a 3L law student that knows a little regarding collections and this book is a horrible book for the average person to use. He recommends filing a malpractice suit to fight against medical collections - this is total BS and will get any attorney in hot water. Additionally, the average person that cannot afford a $500 medical bill will definitely not be able to pay the retainer on a med-mal suit that is groundless (let alone no attorney in their right mond would file such a suit).
He outlook on the judiciary system and juries is also distorted and very disturbing. Lawyers like Hilton should be disbarred.
 Where's the Beef? March 27, 2006
9 out of 11 found this review helpful
I read this book and the author is very vague about how you can go about doing some of the things he brings up in the book.
At least he could have suggested some lawyers that are versed on
how to proceed with some of this debt elimination tactics that he describes. After reading the book one is left to fend for oneself without much in the way of help or useful information just vague ideas.
 Do NOT buy this book! It is full of lies and outdated information! March 15, 2006
45 out of 49 found this review helpful
I have over 5 years of professional credit repair experience and I know just about everything there is to know about credit repair. I have read many books on the subject, but this is the worst one I have ever come across! The author states that FICO scores are issued by TRW, yet TRW has not existed for over 10 years! He further states that the credit bureaus have 60 days to complete an investigation request by any consumer, yet the Fair Credit Reporting Act, cleary states that they have 30 days to conclude any investigation! The author goes on to say that writing letters will not work, which is precisely the way that I have helped hundreds of people, including myself. The author states that the only way to remove negative or inaccurate items is to sue the credit bureaus! Well, this is easily said than done and he knows it! This is yet another lie! For all I know, the author probably works for the credit bureaus and banks by feeding the reader false, inaccurate, outdated information and drilling to sue the bureaus and creditors, because he knows it is easier said than done! I do not like this book, I do not recommend at all and the writing style is just plain dumb as it has absolutely no logic and too much beating around the bush for nothing in order to make the book thicker. I can't understand how it got published!
Unique and liberating perspective! February 13, 2006
11 out of 14 found this review helpful
I love this book - if only for the way that it challenges the idea that creditors are right and debtors should feel guilty for existing. Credit card companies are feeding off the consumer by luring them in with promises, and then suddenly imposing impossible fees and interest rates.
Debtors don't fight back - and they should!! This book shows one way how to do that - and I am very appreciative. And I imagine it's a pretty scary idea to credit card companies - that we can turn around and sue them for harrassment, for usuary, for bait and switch.
I'm postive that some of the bad reviews here are from credit card companies - particularily the laughable one which says that sueing companies is illegal and will get you in trouble. Even that review tries to make you feel guilty - "you borrowed the money, so suck it up." Well, I borrowed the money at 4% interest, not 30%, which I got after one late payment. There's a word for that - it's called loan shark.
Thank you to Mr. Hilton for a book of empowerment! Whether or not I decide to follow his advice (which I probably will,) it was liberating to even think about it!
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