The author has been an independent businessman for most of his adult life. Resentful of the way the so called "authorities" have bullied us, he studied areas of law which affect the average U.S. citizen the most. The credit industry is one of those areas. During the course of his studies, he discovered that it's relatively easy for anyone to use the existing laws to repair their own credit report, without the need for attorneys or credit repair firms. There are several ways to do it. It's just a simple matter of deciding which method fits your particular situation. Debt validation is the usually best method for most people. But, there are a few other methods for difficult situations, that are covered in "The Black Book Of Credit Repair And Dealing With Debt Collectors." There are methods in the book which attorneys and credit repair firms would never even admit existed, let alone using them on your behalf. Some perfectly legal methods could be used in ways that are not legal. The author doesn't recommend that people violate the law. There is also an overview of the Fair Debt Collection Practices Act, along with methods of using it to eliminate debt collectors from your life. When collectors violate your due process rights, they can even void the entire debt.