10 Comments for To Pay Or Not To Pay: Insider Secrets to Beating Credit Card Debt and Creditors

• 1. T. E. W. Dc  |  May 27th, 2010 at 12:26 am

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  I read this book and the author is very vague about how you can go about doing some of the things he brings up in the book.
  
  At least he could have suggested some lawyers that are versed on
  
  how to proceed with some of this debt elimination tactics that he describes. After reading the book one is left to fend for oneself without much in the way of help or useful information just vague ideas.

• 2. the button guy  |  May 27th, 2010 at 1:01 am

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  Nothing will stop corporate America to raising credit card interest rates to 100% if they can get away from it. Sure you can sue the them, but did you know you can sue the company that issued that debt? Like the ENTIRE Board of Directors too? NOTHING will stop companies from REAPING off consumers faster then this book. I could not even read the fine print on my CC bill. This allows you to FIGHT back. Don’t believe the reviews, this is a Harvard Lawyer, he’s knows EXACTLY what he is talking about. Go Stanley, Go!

• 3. Anonymous  |  May 27th, 2010 at 10:17 am

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  I bought this book because I thought it might give me some ideas on how to fight credit card debt. And the book does deliver in this arena – it does give ideas, that may or may not be applicable to your situation. If you are already “enmeshed” in legal battles, the advice that Hilton offers, though, may not be applicable. Mostly what this book offered me was a sense of hope, some interesting information about the legal system and creditors in general, and some comfort in knowing that I am not alone in my “battle”. The thing that most bothered me about this book was that there is no way to contact Mr. Hilton, no list of further resources, etc. His book is the only one, as far as I know, out there with this particular viewpoint. As such, I believe he should back up his book in a better way, by providing more information on how to contact him, a website, etc. He does seem to be passionate about this subject, and I can’t understand why someone would write a book like this, and then just sort of leave the readers “hanging”.

• 4. Anonymous  |  May 28th, 2010 at 5:26 pm

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  Mr. Hilton has given me some hope. I only wish I knew how to contact him for more info.

• 5. Miranda  |  May 29th, 2010 at 7:06 pm

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  I love this book – if only for the way that it challenges the idea that creditors are right and debtors should feel guilty for existing. Credit card companies are feeding off the consumer by luring them in with promises, and then suddenly imposing impossible fees and interest rates.

  Debtors don’t fight back – and they should!! This book shows one way how to do that – and I am very appreciative. And I imagine it’s a pretty scary idea to credit card companies – that we can turn around and sue them for harrassment, for usuary, for bait and switch.

  I’m postive that some of the bad reviews here are from credit card companies – particularily the laughable one which says that sueing companies is illegal and will get you in trouble. Even that review tries to make you feel guilty – “you borrowed the money, so suck it up.” Well, I borrowed the money at 4% interest, not 30%, which I got after one late payment. There’s a word for that – it’s called loan shark.

  Thank you to Mr. Hilton for a book of empowerment! Whether or not I decide to follow his advice (which I probably will,) it was liberating to even think about it!

• 6. Simon Wiley  |  May 30th, 2010 at 6:45 am

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  This is a beautifully written book. It is clear that the author is well informed and well read, often making clever allusions and drawing attention to relevant quotes. The book is meant to empower the debtor, both philosophically and practically. The author does not tell exactly how to file for a lawsuit, but he tells you what to be vigilant about, and many interesting loopholes in debt collection practices. This book breathed new life into my hope of getting out of debt, and eased my exasperation over my mounting credit card debt. The idea of debt is a culturally conditioned abstraction. The author is well suited to write about the topic, having earned both a J.D and an M.B.A. degree, and having practiced litigation in the field of debt for over 25 years. I can’t wait for an updated version, but this is the book you need if you are considering settling debts. Bankruptcy is not your only option, and should be an absolutely last resort.

• 7. Anonymous  |  May 30th, 2010 at 8:12 pm

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  Hilton’s book is excellent and his advice is good. Predatory credit granters ought to be sued and sued often. Don’t be misled by the bad reviews posted here by — guess who? — minions of the credit industry. Hilton’s advice is to simply turn the tables on your creditors — sue them before they sue you. What after all, do you have to lose? If it doesn’t pan out, well, there’s always bankruptcy.

• 8. B.S.A.  |  May 30th, 2010 at 11:18 pm

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  This book is one-sided and a total waste of time and money. The “solutions” he offers are not detailed and many are very unrealistic.

  I am a 3L law student that knows a little regarding collections and this book is a horrible book for the average person to use. He recommends filing a malpractice suit to fight against medical collections – this is total BS and will get any attorney in hot water. Additionally, the average person that cannot afford a $500 medical bill will definitely not be able to pay the retainer on a med-mal suit that is groundless (let alone no attorney in their right mond would file such a suit).

  He outlook on the judiciary system and juries is also distorted and very disturbing. Lawyers like Hilton should be disbarred.

• 9. J. Burnham  |  June 1st, 2010 at 8:39 pm

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  I have worked in the debt industry for some time now and I can say that I have seen more people hurt by the actions in this book then helped.

  While the book does have some truisms the fact of the matter is that this advice will get you in more hot water than you could possibly believe. In fact the Federal Trade Commission views these actions in the same light that it does tax protestors.

  I don’t disagree that the banks are predators, what they are doing may even be illegal but is it worth the hassle and the possible jail time. Banks are lobbying like made to get the laws more in there favor — just witness the new banruptcy laws. If you are going to fight them then do it smartly. There are many programs to help someone get out of debt. And truth be told you did agree to the debt the moment you signed the agreement for the credit card, you knew what you were getting into, so what are you yapping at.

  If you need help then call a campany that specializes in getting people out of debt. If you can’t pay them in full then at least pay them something. You’ll feel better.
  

• 10. Gene Ballard  |  June 2nd, 2010 at 1:55 pm

  Rating

  This book is about how to sue creditors, banks and anyone else you owe money to so you can get your debt reduced or canceled. It’s a good read, informative and kind of exciting depending on your situation.

  The author is passionate about the topic and delivers a well rounded view with views from “The Holy Bible” to “The Art of War” which is part of the reason why it’s a good read.

  However, the author seems to be a very aggressive lawyer who has his own views on the legal system and reasons for ethically making decisions to fight back.

  Anyway, the same day a read the book, my bank called and harassed me about my late payment and ironically they said things that were mentioned in the book that gave me a case against them. Well I called my dad who is a seasoned and successful business man, Retired Major General, to get his opinion. Considering his history with lawyers coming after his money and real estate over the years he was very calm and wise when he said, “I understand your situation and I understand that you can sue but the fact is you owe the money and you’re going to pay it. You signed a contract and spent the money and that was the deal. It doesn’t matter if your combined interest payments have payed the debt or more than the debt… you owe the money. Now lets come up with a plan on how to make some money and pay your debts.”

  So what’s the verdict in what I think about the book? This book will fire you up to sue and will give you reason to sway your ethics. But if you’ve been abused by a creditor then maybe you do need to sue to at least reduce the debt or come up with a payment plan.

  So if you’ve been abused and need some direction, get the book. If your debt is light and you don’t have problems with creditors, get a book on how to manage your money (check out Dave Ramsey) and another on how to make money.

  I give 4 stars because the book delivers. Less one star because it is strong in its ability to sway your ethics… but hey, the author is passionate and very focused.

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