To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors

By Stanley G. Hilton

Book Overview

You no longer have to be held hostage by unscrupulous creditors and a mounting pile of debt. To Pay or Not to Pay is your arsenal for going to battle against credit card companies, banks, government... This description may be from another edition of this product.

• Format: Paperback
• Language: English
• ISBN: 158062944X
• ISBN13: 9781580629447
• Release Date: December 2003
• Publisher: Adams Media Corporation
• Length: 218 Pages
• Weight: 0.65 lbs.
• Dimensions: 0.6" x 5.5" x 8.5"

Customer Reviews

Beautifully written, poetic tirade against the corrupt juggernaut of the credit card intustry (and a

This is a beautifully written book. It is clear that the author is well informed and well read, often making clever allusions and drawing attention to relevant quotes. The book is meant to empower the debtor, both philosophically and practically. The author does not tell exactly how to file for a lawsuit, but he tells you what to be vigilant about, and many interesting loopholes in debt collection practices. This book breathed new life into my hope of getting out of debt, and eased my exasperation over my mounting credit card debt. The idea of debt is a culturally conditioned abstraction. The author is well suited to write about the topic, having earned both a J.D and an M.B.A. degree, and having practiced litigation in the field of debt for over 25 years. I can't wait for an updated version, but this is the book you need if you are considering settling debts. Bankruptcy is not your only option, and should be an absolutely last resort.

THIS BOOK ROCKS!

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

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.

Unique and liberating perspective!

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!

Sue predatory credit granters --cost them money!

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.