Debt collection secrets -- Lessons in deception -- Credit is king -- Anger can be power -- Closeout : "no tomorrow" -- The shakedown industry -- Pif means payment in full -- Payday, the tables turn -- Debtors' rebellion -- Debt for sale -- The golden rule : money today -- Strengths and weaknesses -- Collector of the week -- Rretention -- A complaint -- Data minefield -- Graduation day -- On the floor -- NLE means no longer employed -- Solutions -- Coping with collections -- Stopping collection calls -- Checking out a collector -- Using collection law -- Reading your credit reports -- Preparing a complaint -- Negotiating a debt settlement.