If you are underwater on a mortgage or up the creek with your credit card company consumer advocate G. B. Taken can help you. Before you mail in the keys and walk out on your mortgage, consider a debt settlement agency, or bankruptcy read this book.
The lessons you learn are: act like prey and you will be eaten, take control before it is too late and it's time you bastard-up in a rough world.
It is a fight for your life and this is the consumers' art of war on saving your ass. For instance the last thing your bank wants is the first thing you should do; sue them. Win or lose you will buy yourself precious time. You can, like the author, win damages have your mortgage voided and never pay a dime in mortgage payments while the wheels of justice grind ever so slowly.