When illness made it impossible for the author to work & she was unable to continue making payments on her credit cards, they ultimately sued her. She sued them back & they agreed to call it even. Along with her story, the book includes bankruptcy laws and the necessity of consulting with an attorney to learn your rights, credit card laws and how they've been changed, identity theft, living without credit, obtaining a prosperity mindset. This is a book written by a non-attorney, and the contents of this book do not constitute legal advise, but merely chronicle the actions taken by the author.