Debt Collection Answers ebook: Now Free! 

We are pleased to announce we are now offering the current edition of our book completely free via Smashwords and Amazon! Use the links below to get the book instantly. (No sign up or email address is required.)  

Get the free Kindle version on Amazon here

We know times are still tough for many people and we want to help as many as we can. 

Use any of the links (icons) below to instantly download our ebook in your preferred format.

  • For Nook, Apple iBooks, Google books or Sony reader use .EPUB
  • For Kindle, use this link to buy directly from Amazon or download the .MOBI version below

Or simply download the PDF format to your computer or tablet. 

Download for Apple iBooks, Google Books, Nook, Sony Reader and more
Download for Kindle
Download for your computer or tablet
Download for other devices

100% safe - no email address required! 

“This is the most practical, concise book I’ve seen on how to deal with debt collectors, who can be quite ruthless. The experts who wrote this book are nationally recognized consumer advocates who genuinely care about the plight of consumers trying to get back on their feet. Bottom line, this is a great publication that any consumer who is being contacted by debt collectors should have!”

CURTIS ARNOLD, Consumer advocate & founder of

What You'll Learn: 

If you are dealing with bill collectors, you are most certainly not alone. An estimated 30 million Americans have at least one debt in collections. Dealing with collection accounts is frustrating, stressful and sometimes scary. But you have rights - and if you know them you can make more confident decisions about how to handle your debts. 

Written by two longtime consumer educators, Debt Collection Answers is designed to help you understand your rights and avoid costly mistakes. You’ll learn:

  • Why you don't have to put up with collection calls at work, and how to stop them;
  • Your right to privacy that prevents collection agencies from discussing most debts with relatives, neighbors and coworkers; 
  • Common myths about collection accounts and credit reports; 
  • Ways to tell you are talking with a scammer; 
  • Why you should never pay a collector by giving them your bank account number (and how to pay them safely);
  • How to get free and low cost legal help - and why the debt collector will have to pay you if they break the law;

Ready to put your collection problems behind you? Get Debt Collection Answers and take control.

Scroll to the top of the page and download it in your preferred format today! 

Order by mail: 

We have a small number of printed books (in a previous edition) available. To purchase a printed book, you must include this form to complete your order. 

Please send your check or money order for $9.95 (new, lower price) along with the completed order form, to:

Ultimate Credit Solutions Inc.
5317 Fruitville Road, #122
Sarasota FL 34232

Florida residents must add 7% sales tax, which brings your total to $10.64 if you pay the full price for the book. 

Do you have a question about how debt collection laws can help you protect your rights? Ask it here!

Learn how debt collection laws can help you!
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