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Sam Keys finances his business the way many people with excellent credit scores do: with credit cards and loans. While the banks and financial institutions extend him credit far beyond his ability to repay should he ever lose his company revenue, business is thriving and Keys isn't worried.

Then the economy flatlines. Keys's clients go bust and cannot pay his fees. He's forced to rely on his credit to stay in business while desperately hoping the economy improves. When it doesn't, Keys finds himself staggering under crippling debt-some of which he suspects doesn't even belong to him.

Attempts to reach settlements with creditors fall through, as no creditor negotiates debt settlements until the debt is delinquent. With no income and owing more than $105,000, Keys fights back through the courts-and wins.

Reclaim control of your finances with this insightful, easy-to-use guide that provides the tools and tactics Keys uses to win case after case against creditors, debt collectors, and debt buyers. Included are effective, useful legal documents designed to give you the edge in debt litigation. The debt validation letter, in particular, sends debt collectors running. "Value is in the results."