Take Back Control from Debt CollectorsIf you’re tired of being harassed by debt collectors, this book offers practical strategies to stop them and defend yourself in court. With easy-to-follow steps and straightforward guidance, you'll learn how to navigate the process and protect your rights. You’ll find:How to respond to a debt collection lawsuitTips for challenging debt collectors and requiring them to prove their claimsHelpful motions and templates to support your caseKey information on arbitration, depositions, and preparing for trialLearn how to fight back in state court against debt collectors without the need for an attorney. This book gives you the knowledge and tools to confidently handle debt collectors and take control of your financial future.Don’t let debt collectors push you around—stand up for your rights and fight back! Read more

Tired of being endlessly transferred, robotically greeted, or stuck in a loop of "Your call is very important to us"? You're not alone. In Hold Please!, Rick takes readers on a laugh-out-loud journey through the collapse of customer service, from maddening call center scripts to vanishing human interaction.With over four decades of experience navigating industries from submarines to TV broadcasting to trucking, Rick unpacks the causes of customer service's decline, why it matters, and—most importantly—how we can fix it.Packed with real-world anecdotes, biting wit, and actionable solutions, Hold Please! is both a rallying cry for better service and a practical guide for businesses and consumers alike. Whether you're a frustrated customer or a business looking to stand out in the age of apathy, this book will have you hanging on every word. Read more

“No other modern country gives corporations the unfettered power found in America to gouge cus­tomers, shortchange workers, and erect barriers to fair play. A big reason is that so little of the news . . . addresses the private, government-approved mechanisms by which price gouging is employed to redistribute income upward.”You are being systematically exploited by powerful corporations every day. These companies squeeze their trusting customers for every last cent, risk their retirement funds, and endanger their lives. And they do it all legally. How? It’s all in the fine print.David Cay Johnston, the bestselling author of Per­fectly Legal and Free Lunch, is famous for exposing the perfidies of our biggest institutions. Now he turns his attention to the ways huge corporations hide sneaky stipulations in just about every contract, often with government permission.Johnston has been known to whip out a utility bill and explain line by line what all that mumbo jumbo actually means (and it doesn’t mean anything good, unless you happen to be the utility company). Within all that jargon, disclosed in accordance with all legal requirements, lie the tools these companies use to rob you blind. Even worse is what’s missing—all the contractually binding clauses that companies hide elsewhere yet still enforce and abuse. Consider, for example, how:An insurance company repeatedly delayed paying for a paralyzed man’s vital care despite court orders to pay up.Laws in nineteen states let companies like Goldman Sachs, General Electric, and Procter & Gamble pocket the state income taxes withheld from their workers’ paychecks for up to twenty-five years.A little-known government rule gives safety waiv­ers to deadly industrial facilities secretly located underneath schools and playgrounds.The “FCC Charge” on your phone bill, which appears to be a government fee, actually goes straight to the phone company.Johnston shares solutions you can use to fight back against the hundreds of obscure fees and taxes that line the pockets of big corporations, and to help end these devious practices once and for all. Read more

***SECOND EDITION***This book IS about negotiating forgiveness for your credit card debt by writing your creditor one simple negotiation letter and what to do if the creditor refuses to negotiate. If you owe money on your credit cards and cannot make payments anymore because of financial difficulty, this book is for you. I owed over $100,000 in credit card debt and the debt was hurting my life. I had trouble sleeping at night thinking how long my ever-increasing debt would continue to gnaw at me. Even if I could afford to make the minimum payments and do not borrow anymore, with interest of 25% APR, I will still owe a lot of money after many years of making only minimum payments. The interest alone would total close to $100,000. It took a year of trial and error, hours on the phone and writing meaningless letters most of which I copied from the internet before I saw the light at the end of the tunnel. None of the free advice and letters in the internet worked because the truth is I was not insolvent. I did not qualify for bankruptcy protection. I could have paid my credit card debt by liquidating my assets, selling my house, but that would have been devastating for my family. I kept on thinking of a way for my creditors to reduce my debt. I finally came up with The Letter that uniformly worked in negotiating down my debt. After mailing The Letter to my creditors, I received a reply from one of them offering to accept 50% of what I owed as full payment of my debt. I countered with 5%. We finally agreed on 10% of the original amount as full and final settlement of my balance. Considering I had not paid them for a year, I accumulated a little cash, so I was happy to grab the offer and pay the 10%. I had five credit cards with large balances and The Letter worked satisfactorily on four of the accounts. I settled the 4 accounts for between 5% and 15%. The last hold-out, surprisingly the account with the smallest balance at $13,000 chose to take me to arbitration. This negotiation-resistant creditor perceived that they might collect more money from me that way but they were wrong. I was surprised that not one of the 4 creditors even referred to the contents of The Letter or attempted to verify what I had written in the letter. The Letter aims to convey this message: "Take my final settlement offer or sue me. But if you sue me, you will lose". Ken Clark, author of The Complete Idiot's Guide to Getting Out of Debt: "So many people are trying to get their balances reduced, you call and try to negotiate a balance, and it's 'Get in line.'" The card company's attitude may be, "Yeah, you and everybody else"". My Comment – That’s because you called to negotiate instead of sending them The Letter shown towards the end of this book. Trust me there aren’t that many accounts in default as a percentage of the whole or our banking system would collapse. If you write "The Letter", the creditor will put you at the front of the line.Brian Tawney, Director of Clear One Advantage: "Based on experience negotiating with creditors, debt settlement companies know what percentage of debt owed each creditor is likely to agree to. We use an algorithm that considers 140 different variables and tells us the accounts that have the highest opportunity to settle at any given time. We negotiate in bulk. We can negotiate thousands of cases and get a better settlement for everyone". Translation: Debt Settlement Agencies take only the easy cases that's why they "negotiate in bulk". If they have to spend more time on your case because you have wages a creditor can garnish and assets they can put a lien on, they will not take your case. I like my system better. You write "The Letter" which begs creditors to forgive 85% to 95% of your debt. The creditors can take it or leave it. If they take it, you win. If they leave it, they lose. Read more

Why the increasing use of boilerplate is eroding our rightsBoilerplate—the fine-print terms and conditions that we become subject to when we click "I agree" online, rent an apartment, enter an employment contract, sign up for a cellphone carrier, or buy travel tickets—pervades all aspects of our modern lives. On a daily basis, most of us accept boilerplate provisions without realizing that should a dispute arise about a purchased good or service, the nonnegotiable boilerplate terms can deprive us of our right to jury trial and relieve providers of responsibility for harm. Boilerplate is the first comprehensive treatment of the problems posed by the increasing use of these terms, demonstrating how their use has degraded traditional notions of consent, agreement, and contract, and sacrificed core rights whose loss threatens the democratic order.Margaret Jane Radin examines attempts to justify the use of boilerplate provisions by claiming either that recipients freely consent to them or that economic efficiency demands them, and she finds these justifications wanting. She argues, moreover, that our courts, legislatures, and regulatory agencies have fallen short in their evaluation and oversight of the use of boilerplate clauses. To improve legal evaluation of boilerplate, Radin offers a new analytical framework, one that takes into account the nature of the rights affected, the quality of the recipient's consent, and the extent of the use of these terms. Radin goes on to offer possibilities for new methods of boilerplate evaluation and control, among them the bold suggestion that tort law rather than contract law provides a preferable analysis for some boilerplate schemes. She concludes by discussing positive steps that NGOs, legislators, regulators, courts, and scholars could take to bring about better practices. Read more

***SECOND EDITION***This book reveals various Consumer Protection Laws such as the Title and Section below that you can use to defend against junk debt collectors and creditors’ claims for alleged credit card debts: 15 U.S. Code § 1643(b) - Liability of holder of credit card (b) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection (a), have been met. ****************** We learned in Volume 1 that you can obtain credit card debt forgiveness if you write your creditors a simple, properly worded negotiation letter. This book, Volume 2 is about various measures you can take if your creditors refuse to cooperate and decide to sue instead. The methods and strategies in this book may be put to use in dealing with credit card debt as well as other unsecured consumer debts. It contains sample forms such as, Validation of Debt Letter, Cease and Desist, Answer and Affirmative Defenses to Complaint, Request for Production of Documents, Refusal of Arbitration, Opposition to Plaintiff’s Motion for Summary Judgment, sample letter to IRS disputing creditor’s Form 1099-C (CODI-Cancellation of Debt Income). Volume 1 provided the reader the guidance for negotiating credit card debt down to 5% and gave the reader a better understanding of the collection process. This book provides the necessary tools in dealing with the negotiation-resistant creditor and how to use the system legally to obtain debt forgiveness. Although there are no guarantees, the methods and strategies discussed in this book worked for me. When I sent my creditors the Validation of Debt letter, my creditors were not able to validate my alleged debts. My creditors could not produce the documents requested in my Request for Production of Documents. The Court denied the Plaintiff’s Motion for Summary Judgment when I filed my Opposition. When I disputed the creditors’ Forms 1099-C and requested the IRS to obtain verification of debt pursuant to US Code–Title 26 Section 6201(d), I never heard from the IRS again. ****************** If you convince the creditors that they still will not collect more than your FINAL OFFER even if they file a lawsuit; that they will only spend a lot of money in legal fees, they will realize that collecting 10% from you is probably the best they can hope to recover. That is the aim of the negotiation letter shown in Volume 1, to show your creditors that your FINAL OFFER is the most they can collect from you. But if your creditors are negotiation-resistant, this book Volume 2 is your magic bullet against them. If you decide NOT to purchase this book, you won’t know what to do without an attorney if you get sued. You will be at the mercy of your creditors. ****************** After my debts were forgiven, I was able to start my life anew, free from credit card debt. I was able to focus on taking care of my family. I kept 2 credit cards and continued to use them. They carried small credit lines, one for $7,000 and the other for $5,000. I pay the balances of the accounts as soon as I receive the monthly statements. My FICO scores initially took a dive to the high 500s but after only 7 years, I am back to the high 700s and even got to 800 a few months last year. I feel really blessed that I did not have to file for bankruptcy and that the path I took enabled me to write this book which I hope would help a lot of people who are in the same predicament as I was, to accomplish the same thing I’ve accomplished---a credit card debt free life. ************************************************** Read more

This is a casebook on advertising and marketing law. While we’ve done our best to make the hard copy version of the book useful to you, the hard copy is missing some key features, such as an index and color images. Therefore, if you would like a PDF version of the book to complement your hard copy version, just email a copy of your purchase receipt for the hard copy to Professor Goldman ([email protected]) and he will email you a PDF at no extra cost. Read more

The Fair Credit Reporting Act (FCRA) plays a crucial role in protecting consumer rights and ensuring fair and accurate credit reporting. The Complete U.S. Fair Credit Reporting Act Book 2025 is the ultimate resource for understanding the legal framework, compliance requirements, and recent changes to FCRA regulations.Written by Michael D. Lawson, JD, this book provides a detailed yet easily understandable guide to the FCRA, covering consumer rights, credit reporting agency obligations, legal enforcement, and recent policy updates for 2025. Whether you're a consumer seeking to understand your rights, a legal professional navigating FCRA compliance, or a business ensuring adherence to credit reporting laws, this guide offers clear, practical insights.What You’ll Learn in This Book:✔ Comprehensive breakdown of the Fair Credit Reporting Act (FCRA)✔ How credit reporting agencies collect, use, and disclose information✔ Your rights as a consumer to dispute inaccurate credit reports✔ Obligations of lenders, employers, and businesses under the FCRA✔ Recent 2025 legal updates and regulatory changes✔ How to handle identity theft, fraud, and credit disputes effectively✔ Key case law and enforcement actions shaping FCRA complianceThis book is an essential reference for consumers, attorneys, compliance officers, financial institutions, and businesses handling credit information.Empower yourself with knowledge—understand your rights, stay compliant, and navigate the credit reporting landscape with confidence!Get your copy today! Read more

Consumers routinely enter into long-term contracts with providers of goods and services - from credit cards, mortgages, cell phones, insurance, TV, and internet services to household appliances, theatre and sports events, health clubs, magazine subscriptions, transportation, and more. Across these consumer markets certain design features of contracts are recurrent, and puzzling. Why do sellers design contracts to provide short-term benefits and impose long-term costs? Why are low introductory prices so common? Why are the contracts themselves so complex, with numerous fees and interest rates, tariffs and penalties? Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by contracts that increase perceived benefits, without actually providing more benefits, and decrease perceived costs, without actually reducing the costs that consumers ultimately bear. Competition does not help this behavioural market failure. It may even exacerbate it. Sellers, operating in a competitive market, have no choice but to align contract design with the psychology of consumers. A high-road seller who offers what she knows to be the best contract will lose business to the low-road seller who offers what the consumer mistakenly believes to be the best contract. Put bluntly, competition forces sellers to exploit the biases and misperceptions of their customers. Seduction by Contract argues that better legal policy can help consumers and enhance market efficiency. Disclosure mandates provide a promising avenue for regulatory intervention. Simple, aggregate disclosures can help consumers make better choices. Comprehensive disclosures can facilitate the work of intermediaries, enabling them to better advise consumers. Effective disclosure would expose the seductive nature of consumer contracts and, as a result, reduce sellers' incentives to write inefficient contracts. Developing its explanation through a general framework and detailed case studies of three major consumer markets (credit cards, mortgages, and cell phones), Seduction by Contract is an accessible introduction to the law and economics of consumer contracts, and a powerful critique of current regulatory policy. Read more

Many business owners dread hiring their next lawyer, and for good reason. All too often, companies pay thousands of dollars only to be treated like second-class citizens, confused and frustrated by the very person who’s supposed to be on their side. No more. How Not To Get Screwed By Your Lawyer shows you how to manage your attorney to get everything you need:Make sure your lawyer treats you like a champion, not a chumpUse your business skills to keep more dollars in your own pocketImprove communication channels to create synergy and dispel tensionDiscover negotiating opportunities you’ve been leaving on the tableHelp your lawyer help you—for a happier lawyer-client relationship, no matter what the legal outcomeWritten by a former lawyer who heard far too many horror stories, How Not To Get Screwed By Your Lawyer guides you step-by-step through an easy process to completely transform your attorney-client relationship.Change the power structure and take control of that relationship today. After all, your attorney works for you! Read more

In Florida, private-pay costs at nursing facilities can exceed $6,000 per month. Many families cannot afford to pay such excessive amounts — which can total more than $70,000 per year. The Florida Medicaid program can offer a solution to the high cost of nursing home and assisted living care. But Medicaid has such strict asset-and-income limitations that most people believe it can be used by only the very poor. Fortunately, the U.S. Congress and Florida law provide opportunities to help families receive financial assistance through Medicaid and protect hard-earned assets. With proper planning, even those whose assets and income greatly exceed the limits for Medicaid can qualify for benefits. Florida Eldercare Attorney John R. Frazier describes multiple strategies that families can use to qualify for Medicaid assistance. Protecting Your Family’s Assets in Florida includes details covering the following topics, specific to both Florida and Eldercare: an overview of the benefits of Medicaid; the three Florida agencies that handle Medicaid; the three tests for Medicaid qualification; the three Medicaid programs for nursing homes and assisted living facilities; how single people can protect their assets; additional ways married individuals can protect their assets; the Deficit Reduction Act of 2005 (DRA) in Florida; other important Medicaid planning considerations, including an update on powers of attorney; an expanded Veterans Benefits section; life care planning; a new section on alternative housing choices, another way of protecting assets; a new section on the role of geriatric care managers and how to select them; a new section on how to select an assisted living facility (ALF); a new section on how to select a nursing home; a new section on psychological aspects of aging; a new section on the unlicensed practice of law in Florida, and a new Florida Medicaid managed care update. Whether planning for a family’s future or in immediate, desperate need of lawful answers for the reader, a spouse or a loved one, Protecting Your Family’s Assets in Florida can help. Written in easy-to-read language, it provides examples for the most common Medicaid scenarios faced by families in Florida. Complete with a glossary that defines terms specific to both Eldercare law and applications for Medicaid in Florida. Read more

Get rid of your student debt fast. This book will show you how.Val Breit graduated college with a master’s degree and over $42,000 in student loans. She started her career as a school counselor earning just $36,000 and was overwhelmed by her college debt. Val tried several debt programs and finally discovered the method that worked for her. She eliminated all her student loans in just 34 months and for the first time ever, she is sharing her secrets with you.Pay Your Student Loans Fast is not just a personal story.In this straightforward, easy read, you will unlock:practical money-saving strategies to slash your bills in half and build an emergency fundthe proven steps to finally put your college debt, credit card debt, car loans, and overdue medical bills behind youthe costliest mistakes you are probably making with your loans, and how to prevent them from destroying your financial futureand much, much more!Overwhelmed by all your debt and not sure where to start?You don't have to keep stressing about your debt. Val gives you 5 steps to get organized and start tackling your debt right away. You will understand what to do (and not to do) so you have the freedom to comfortably pay your bills and knock out your debt too."I felt so overwhelmed with the amount of debt I had but by utilizing the skills I learned from this book, I paid off one of my husband's student loans and am very close to paying off 2 more of mine!”Heard you have to do something crazy to pay off debt?Discover which realistic lifestyle changes will help you start tackling your debt today. You don't have to eat only ramen noodles to save money.You don’t have to move to another country.You don’t have to sell everything and live in the woods.“Thank you for opening my eyes to the many ways I have been throwing my hard-earned money away!”Think this book only applies to paying off student loans?Learn how to organize your finances, wipe out ANY debt, spend without guilt, and finally get on the path toward your financial freedom.“Since reading this, I have been able to use the tips to not only focus on my student loan debt, but I have been able to pay off two credit cards as well.”“This book lit a fire under my butt to tackle this debt! I just paid off my ridiculous amount of debt on my Target card!"Know someone about to start college? Even better.Discover the critical decisions to make now, so your teen doesn't have a huge mess to clean up later.Learn 12 common, yet costly, mistakes that you can avoid before it's too late.Confidently send your teen to college knowing their loans won't burden them for decades.Val has given me the tools to help my daughter complete college without being buried in debt!”“I highly recommend high school students read this book before making their post-high school decisions and know how to be smart about taking out their student loans!”Pay Your Student Loans Fast is an inspiring, easy-to-read crash course in handling student debt with ease. It is packed with straightforward, honest, and practical advice that can be your wake-up call to the life that awaits after taking out student loans.Change your financial future and start eliminating your debt today by clicking the BUY button now! Read more

Financial Freedom: A Guide for Private Investors by Don Kilam is a groundbreaking book that takes a fresh approach to achieving financial independence. In this comprehensive guide, readers will discover the power of auditing accounts instead of relying on traditional disputes and charge-offs as consumers. The book emphasizes the concept of being the sole private investor of these private accounts, empowering individuals to take control of their financial destiny.Through a detailed exploration of GAAP (Generally Accepted Accounting Principles) and other essential financial concepts, Kilam provides readers with the tools and knowledge they need to navigate the world of private investing. The book also entails the process of filing complaints as an investor with regulatory bodies such as the SEC, FTC, FDIC, and more.By following the strategies outlined in this book, readers will gain a deeper understanding of their financial rights and responsibilities. With this newfound knowledge, they can confidently take charge of their investments and work towards true financial freedom. Kilam's expertise and insights make this book an invaluable resource for anyone looking to optimize their financial future and build lasting wealth. Read more

Josh Slocum and Lisa Carlson are the two most prominent advocates of consumer rights in dealing with the death industry. Here they combine efforts to inform consumers of their rights and propose long-needed reforms. Slocum is executive director of Funeral Consumers Alliance, a national nonprofit with over 90 local affiliates nationwide. Carlson is executive director of Funeral Ethics Organization, which works with the industry to try to improve ethical standards. In addition to nationwide issues, the book covers state-by-state information needed by anybody who wishes to take charge of funeral arrangements for a loved one, with or without the help of a funeral director. More information about the book and related issues can be found at www.finalrights.org . Read more

In this short book, you will be shocked by the information that is being gathered about you! This publication will guide you through the vast ocean of data that is being collected on each of us through constant surveillance by the NSA and other data mining organizations. This book will give you details on how you can access this information for FREE! The first step in regaining your privacy, thwarting big brother, the new world order, and terrorism is to get your hands on the information these companies have about you.I know that $7.50 seems like a lot of money to pay for a very short book. Understand you are not paying for the volume of words; you are paying for the value of the content. Consider the following scenario:There was once a guy whose television was not working. This guy flipped the switches and turned the buttons, and nothing happened. Matter of fact, the problem only got worse. He climbed up on the roof and adjusted the antenna, still, nothing happened and the problem only got worse. The guy even took the back off and looked around at the mechanics inside the TV Finally, the guy called a TV repairman. The repairman came out, took one look at the television set, turned one screw and voila! The t.v. was working better than if it was brand new. The guy thanked the repairman and said 'How much do I owe you?' figuring that since the problem was so easy to fix the job would be cheap or even free. The repairman said, 'That will be $200 for the service call please.' Outraged, the guy said, “$200! You only turned one screw!” The repairman smiled and said, “Yes, but I knew which screw to turn…”The value of the content within this book is worth way more than what you are about to pay for it.Most of us feel powerless; most of us feel as though there is nothing we can do to thwart terrorism. We often feel as though the new world order is inevitable, that the NSA will do whatever they want. We are all becoming very comfortable with big brother. We dream of long past days where there was privacy and much less data mining. This just may be one of the most important books you buy yet.It’s time for you to be awakened. Read more

✦ UPDATED NEW 2025 EDITION ✦✦✦✦ INCLUDES 3 VALUABLE BONUSES ✦✦✦Are you ready to launch your business but feeling lost in legal jargon, tax complexities, and endless paperwork? You’re not alone. Many aspiring entrepreneurs struggle with forming an LLC the right way—leaving their assets unprotected, missing out on tax savings, and risking costly mistakes.That’s exactly why LLC Step-by-Step Beginner’s Guide was created—to give you a clear, expert-backed roadmap for forming, managing, and scaling your LLC with confidence.The Unmatched Unique Advantages Of This Book 📖Two real-life case studies 🎨Original illustrations for each chapter 🛠️Corporate and Do-it-for-you tools to navigate each stage What Makes This Guide Different?Unlike generic business books, this guide is:✅ Easy to Follow – No legal confusion. Just simple, step-by-step instructions.✅ Legally & Financially Sound – Learn asset protection, tax strategies, and compliance rules.✅ Growth-Oriented – Go beyond formation; discover funding, scaling, and operational mastery.✅ Packed with Bonuses – Get 3 Exclusive Free Bonuses to accelerate your success!Inside This Guide, You’ll Discover:✔ Step-by-Step LLC Formation – From picking a name to filing paperwork, follow a foolproof blueprint to legally form your LLC.✔ Essential LLC Documents & Free Templates – Get clear explanations and access to must-have documents like the Articles of Organization & Operating Agreement.✔ LLC Taxes & Hidden Savings – Learn how to reduce your tax bill with 15+ deductions, illustrated IRS form guides, and expert-backed tax-saving strategies.✔ Asset Protection & Legal Compliance – Shield your personal assets from lawsuits and protect your business from costly legal mistakes.✔ Business Growth & Funding Strategies – Discover 6 ways to secure capital and scale your LLC without unnecessary risks.✔ Avoid the 7 Most Common LLC Mistakes – Learn where beginners go wrong and how to avoid expensive pitfalls.✔ Stress-Free Daily Operations – From bookkeeping to compliance, master how to run your LLC efficiently without headaches.✔ Exit Strategies & Future-Proofing – Know when and how to exit your LLC the right way while maximizing profits.Exclusive Bonuses When You Get This Guide:🎁 5 Best Websites to Start Your LLC– Skip the guesswork with this list of the top-rated, expert-approved LLC formation services.🎁 The Stress-Free LLC Starter Checklist – A simple, easy-to-follow and printable checklist ensuring you complete every step without missing critical details.🎁 7 Mistakes LLC Beginners Make – Avoid costly missteps that could derail your business before it even starts.Thousands of entrepreneurs make costly mistakes when starting their LLC. Don’t be one of them. With this guide, you’ll have everything you need to start, grow, and protect your LLC the right way—without stress or confusion.Ready to take control of your business success? Scroll up and click “Buy Now” to get started today! Read more

Coping with the loss of a loved one or preparing for its inevitability but need to know what practical and legal steps to take? Follow me as I show you step-by-step how to tackle these issues in a concise and straightforward manner. Together, we’ll prepare for that day, fulfill your loved one’s last wishes, and bring you inner peace. Although hiring legal counsel isn’t always an option, you don’t have to go it alone. I’m an award-winning attorney and Marine Corps veteran, but when my mother died unexpectedly, I found I couldn’t handle the loss—practically or legally. After my own journey of discovery, I vowed to help others navigate the turmoil surrounding a loved one’s death. By following my breakthrough step-by-step guide, you’ll be able to finalize your loved one’s estate with minimal stress. Inside What to Do When Your Loved One Dies, you’ll discover:Your step-by-step roadmap for accomplishing practical and legal tasksTips and common mistakes to avoidHow to accomplish the tasks that need to be done during the last days of your loved one’s life and immediately after passingHow to plan the funeral; notify creditors, social security, and others; open a bank account for the estate; protect your loved one's assets and identity; and other mattersHow to uncover your loved one’s assets, debts, and creditors as well as value the estateHow to decipher the will, understand the executor’s role, and determine beneficiariesWhether you need to open probate and how to do itHow to pay your loved one's debts and taxes, distribute assets, and close the estateThe Executor's Checklist, forms and sample notices to keep it simple and you on taskWhat to Do When Your Loved One Dies is your step-by-step practical legal guide for managing tasks and tying up loose ends after the loss of a loved one. If you’re a loved one or executor that wants it straight, then you need What to Do When a Loved One Dies in your corner. Purchase What to Do When Your Loved One Dies and find your way today. Read more

This book shows homeowners and lawyers how to fight the bank in court. Nearly all of the defenses are valid in any state, whether the bank is filing foreclosure or you need to sue it. Written by a lawyer who spent a decade fighting foreclosure for hundreds of clients.This book is the second edition to replace 23 Legal Defenses to Foreclosure: How to Beat the Bank. The first edition sold over 10,000 copies to homeowners and attorneys looking to defend foreclosure. This edition, published 13 years after the first, completely updates the law and includes practice pointers and tips from the authors. The author's years of experience in defending foreclosure mean this book is based on actual litigation experience and on-the-ground legal work. If you are looking for a book that makes understanding foreclosure law easy, pick up a copy. If you want to learn foreclosure from the author's online course, visit www.elearning.law. Read more

“A fascinating book about how platform internet companies (Amazon, Facebook, and so on) are changing the norms of economic competition.”—Fast CompanyShoppers with a bargain-hunting impulse and internet access can find a universe of products at their fingertips. But is there a dark side to internet commerce? This thought-provoking exposé invites us to explore how sophisticated algorithms and data-crunching are changing the nature of market competition, and not always for the better. Introducing into the policy lexicon terms such as algorithmic collusion, behavioral discrimination, and super-platforms, Ariel Ezrachi and Maurice E. Stucke explore the resulting impact on competition, our democratic ideals, our wallets, and our well-being.“We owe the authors our deep gratitude for anticipating and explaining the consequences of living in a world in which black boxes collude and leave no trails behind. They make it clear that in a world of big data and algorithmic pricing, consumers are outgunned and antitrust laws are outdated, especially in the United States.”—Science“A convincing argument that there can be a darker side to the growth of digital commerce. The replacement of the invisible hand of competition by the digitized hand of internet commerce can give rise to anticompetitive behavior that the competition authorities are ill equipped to deal with.”—Burton G. Malkiel, Wall Street Journal“A convincing case for the need to rethink competition law to cope with algorithmic capitalism’s potential for malfeasance.”—John Naughton, The Observer Read more

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