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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 New: $4.33
You Save: $6.62 (60%)
New (24) Used (26) Collectible (2) from $2.96
Avg. Customer Rating:  14 reviews
Sales Rank: 242168
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: New---will ship out next day
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| Customer Reviews:
 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!
 True, but.... September 7, 2005
8 out of 18 found this review helpful
I have worked in the debt industry for some time now and I can say that I have seen more people hurt by the actions in this book then helped.
While the book does have some truisms the fact of the matter is that this advice will get you in more hot water than you could possibly believe. In fact the Federal Trade Commission views these actions in the same light that it does tax protestors.
I don't disagree that the banks are predators, what they are doing may even be illegal but is it worth the hassle and the possible jail time. Banks are lobbying like made to get the laws more in there favor -- just witness the new banruptcy laws. If you are going to fight them then do it smartly. There are many programs to help someone get out of debt. And truth be told you did agree to the debt the moment you signed the agreement for the credit card, you knew what you were getting into, so what are you yapping at.
If you need help then call a campany that specializes in getting people out of debt. If you can't pay them in full then at least pay them something. You'll feel better.
 No Secrets - Very Few Facts - Poor Writing Style January 28, 2005
24 out of 30 found this review helpful
I started to skim this book to see what it was made of and to lock onto any interesting facts. What it is made of is a series of bland adjectives, witty phrases (at least the author seems to think so) that add nothing but filler, and broad and wasted analogies to great historical people and entities that the author seems impressed to have learned about. The whole thing reads like a Mitchner book, full of superlatives, with little fact or meaning. I.e. one section heading: "The Expert Witness: The Secret Weapon of the Countersuit." I have watched "Law and Order" on few occasions and they often have an expert witness - THIS IS NOT A SECRET. At another point the author states, "At Harvard Business School, MBA students are taught that the only thing that counts in life is the 'bottom line.'" I went to a Penn State masters program in business and learned the same thing. I was also required to take a business ethics course which supported this notion but also insisted that the best way to achieve it was through customer satisfaction, among other things. This customer is not satisfied with the book. I would sell it on AMZ as a used book, but would feel that I was ripping people off - even if I sold it for a cent. There are better books out there.
Offers some hope... April 20, 2004
14 out of 17 found this review helpful
I bought this book because I thought it might give me some ideas on how to fight credit card debt. And the book does deliver in this arena - it does give ideas, that may or may not be applicable to your situation. If you are already "enmeshed" in legal battles, the advice that Hilton offers, though, may not be applicable. Mostly what this book offered me was a sense of hope, some interesting information about the legal system and creditors in general, and some comfort in knowing that I am not alone in my "battle". The thing that most bothered me about this book was that there is no way to contact Mr. Hilton, no list of further resources, etc. His book is the only one, as far as I know, out there with this particular viewpoint. As such, I believe he should back up his book in a better way, by providing more information on how to contact him, a website, etc. He does seem to be passionate about this subject, and I can't understand why someone would write a book like this, and then just sort of leave the readers "hanging".
Sue predatory credit granters --cost them money! March 1, 2004
14 out of 18 found this review helpful
Hilton's book is excellent and his advice is good. Predatory credit granters ought to be sued and sued often. Don't be misled by the bad reviews posted here by -- guess who? -- minions of the credit industry. Hilton's advice is to simply turn the tables on your creditors -- sue them before they sue you. What after all, do you have to lose? If it doesn't pan out, well, there's always bankruptcy.
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