Eliminating credit card debt featuring legal nonpayment strategies for those who cannot pay sounds questionable. But, Mel Thompson, the author of the Credit Card Debt Survival Guide, put his credit card debt behind him when he could not pay it, and he shows anyone who reads his book how they can do the same for themselves.

There are a lot of scams out there, but this is the real thing.

This book starts with the conservative approaches of working with creditors and debt settlement. Then, it explains how credit card banks, collection agencies, collection attorneys, and junk debt buyers operate. It exposes the illegal, yet commonplace, collection strategies and contemptible schemes they make use of to intimidate people into paying. It shows the reader how to communicate with them in writing (included in the book are sample letters) in such a way that convinces them they should be expending their time collecting from the numerous, less well-educated debtors. There are chapters on finding help, debt relief services and scams, debt settlement that works, defeating debt collectors, beating court action and arbitration, and credit repair.

While some readers may in the beginning be intimidated by the guide’s 240-page length, the quick links in the 76-item table of contents make obtaining the needed knowledge easy. On the other hand, the book has ample detail to cover most specific legal credit card debt elimination situations. The author makes the effort to attribute knowledge to third party credible sources, providing live links to relevant web sites and original consumer forum postings for further investigation. As Credit Sabre, Thompson spent months monitoring those forums to add other credit card debtors’ experiences to his own.

To eliminate credit card debt, the author underscores how important it is for consumers to first lose self-defeating feelings of guilt, shame and helplessness by understanding the knowledge brought out in his guide.

Judging by the testimonials on the www.credit-card-debt-survival.com web site, the Credit Card Debt Survival Guide Has been well received. The acid test of the author’s credibility is the book’s no-questions-asked 90-day money-back guarantee.

The e-book format of the guide makes it possible for the author to continually update it with the latest developments and to redistribute it to purchasers who receive six months of updates and a regular Credit Card Debt Survival Newsletter with the purchase price of the book, $47.00.

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