Are you being unfairly burdened with debt from money that you “borrowed” (that never existed until you created it at the time of the loan)? Are you being unlawfully hassled by Collection Agencies who you never contracted with in the first place? This brilliant do-it-yourself site offers a template letter to beat any debt collector. It includes Notices of Fault, of Default, of Unresponsive Reply, of Rejection for Cause, of Insubstantial Reply and many more written with challenging questions that can’t be adequately answered by your creditor. A creditor with no proof has no claim. Internet req. Reference to website with free templates for all debt-busting circumstances. Contact info^. $12.00 (Order# 8859) Notes * If you feel guilty for borrowing money (from some kind of Bank, Building Society, Credit Union or other Loan Shark) that you can’t repay, remember this: you didn’t borrow anything. You CREATED the money with your signature (representing a promise to pay) at the time of the loan