I decided to write this book to help people like me who have suffered from credit and financial problems. This book will give them hope and direction to assist them in taking charge of their lives and prevent them from becoming victimized by creditors and collectors lies and deceptions. This is the book of financial credit knowledge and will give everyone the needed information and guidance to regain their quality of life. I want others to know that with following the book's tools and tips that there is a light at the end of the financial crisis tunnel.