Book Review: By M. Gregory (Miami, Fl United States) "With the credit crunch that is affecting just about everyone (irrespective of our geographic location), it is good to have a practical book that can guide us through our credit problems. I am blown away by the openess and honesty of this author. Not many individuals are willing to say that they had financial problems and that is what did it for me with this book. I find that too many books on credit problems are filled with theory but you cannot apply them to real life situations. However, I found this book to be the total opposite. The author goes even a step further by including sample letters in his book, which saves me time searching the internet for templates and the like. I totally agree with him that financial difficulties can be as devastating as the death of a loved one. Actually, many individuals commit suicide because of financial problems. Let's hope that by reading this book many more individuals will be able to repair their lives the way he did. I look forward to seeing another great book from this author."