Creditors call because they want money. If you don’t have the money to give, then you must deal with them. As you know from the Protocol, there are several types of debt. Third‐party debt is the easiest to deal with. Consult www.FreedomFromCreditors.com for a complete review of the types of debt.

2. HOW TO USE THIS
MANUAL
The first step to debt freedom is
organization and self‐discipline.
Organizationthekey to the success of this have
To facilitate is use of this program, we
program. the Debt
organized
Elimination System into topical manuals. These
manuals the manuals include worksheets that
Many of are intended to
be printed, 3‐hole punched, and placed in a 2” binder for convenience and
willof reading.you in stopping
ease assist
your creditors, eliminating your debt, and increasing your credit score. It is
crucial that you print all copies of the worksheets, place them in your
binders, and use them!
Having these manuals and their corresponding
worksheets in binders
will allow you to take them with you, or place them near the phone, or
work on them in bed or at the dinner table. Having this information
accessible when a creditor calls or when you have spare time to work on
the program will be crucial to your success.
We have provided color inserts to place in the
clear pockets on the front
and side of the binders.
DO NOT
PROCRASTINATE!
PRINT AND
ORGANIZE YOUR

3. WARNING!
All Legal Credit Cures materials, including the online credit campus,
are for the personal use of the original buyer only. All our materials
are the exclusive property of Legal Credit Cures and are protected by
copyright and other intellectual property laws. You may not
transmit, publish, participate in the transfer or sale of, reproduce,
create derivative works from, distribute, perform, display, or in any
way exploit any of the content of our materials, in whole or in part.
What does this mean to you?
This means that if you copy or forward any of this information,
including sharing your login and password with your friends,
coworkers, or relatives without purchasing an additional copy for
them, then you are stealing. If you are unwilling to respect these
simple laws, this may be one of the reasons that you are in financial
trouble in the first place.
When we catch you…
Legal Credit Cures uses multiple monitoring tools to detect fraud and
copyright violations. We also track IP addresses. WE KNOW IF YOU
ARE STEALING FROM US! If you are caught sharing your login, your
account will be immediately suspended indefinitely. Legal Credit
Cures will pursue all legal remedies against thieves at our own
discretion.

4. The Credit
Hammer
Phone
Companion
The Ten Rules for
Handling Phone Calls
1
.
2
Be Consistent ‐ Don’t change your
positions everyphonethey with a debt
Be Concise ‐ A time call call.
. collector should be no
more than 3
minutes long.‐ There is no reason to get
3 Be Polite
. angry, frustrated or
frightened; it is just a
phone call. ‐ You do not have to talk to
4 Hang Up
. anyone who is rude or
mea
n.
5.
Call Back When You Should ‐ If you do
not, they will be calling
yo
u. Get the Name ‐ Be sure you take notes,
6
. including the name of
the
collector
.
1
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yr

5. 7 Get the Date and Time ‐ Be sure your
. notes include the date and
time of
every call. the Call ‐ If permissible in
8 Record
. your state,You willthe
conversation. record thank
me for this one.
9 Keep Your Answering Machine
. Messages ‐ These are always
good
evidence.
1 USE THIS BOOK ‐ Your most
0. valuable tool.
If possible, always record the phone calls. If
you are calling from record the call
party state, you can a 1‐
without the other party’s
permission. If you are calling from a 2‐party
state, you party by saying, “I am recording this
the other must inform
phonethat statement and without pause
make call.” Just quickly
continue thefor their consent, just move on.
Do not wait conversation.
If they object, turn thegood notes. I
recorder off and keep
recommendat phone recording
tools found the
www.PhoneStamp.com.
2
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6. The Credit
Hammer
Phone
Companion
Table of
Contents
1
.
2
We want a
payment!
We are going to
.
5
.
6
your wages! to put a lien
We are going
on your going to have a Sheriff
We are house!
.
3
.
4
.
7
.
8
.
9
.
1
sue are going to call your
We you!
work & going to garnish
We are family!
serve you papers!
You are going
to jail!
You
committed
You are a bad
fraud!
person! you mean you will
What do
0. hire an attorney?
afford to pay
your bills!
3
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o
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yr
You can’t
even

7. Creditors call because they want money. If
you don’t have the money with them.
to give, then you must deal
As you know from the
Protocol, there are several types of debt.
Third‐party debt is the
easiest to deal with. Consult
www.LegalCreditCures.com for adebt. The
complete review of the types of
type of your debt will makea slight difference
in how you phone
respond to
calls, but it a
will not make
difference in
keeping records of
the phone
call
s.
The purpose of The Credit Hammer Phone
Companion is to preservecases are won and
evidence. Consumer law
lost based on evidence.win. If you don’t have
you have evidence you If
evidence, you lose. The more debt you will
better the evidence, the
eliminate. will preserve your evidence and
book, you If you use this
your chances of eliminating
debt
increase. . . . A
lot!
4
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8. 1 We want a
. payment!can’t make a payment now. I
Respond – “I *
will pay you as soon as I a date, do it. If
can.” If you can give them
you are not a refusal pay letter, and
them, send going to to pay
tell them not to will call you again. Be sure to
anymore. They call you
be consistent and make
a record of the calls
in this book.
2 We are going to
. sue you! * I guess you will have to
Respond – “Then
sue me. But you are You should just be
probably lying to me.
professional and stop lying.”
Make a record of the
conversation in this book.
3 We are going to call your
. work – “There is no reason to call them.
Respond & family! *
If you do, I will sue calling them and I will
You should not be you.
not tolerate that kind of
5
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9. abuse. Why can’t you just be professional
and quitrecordto me?”
Make a lying of the
conversation in this book.
4 We are going to garnish
. your wages! do not have a judgment
Respond – “You *
against me, so you cannot act like a
garnish me. Why don’t you
professional a record of the conversation in
me?” Make and quit lying to
this book. It is probably a
violation of the
FDCPA.
5 We are going to put a lien on
. your house! * that you cannot put a lien
Respond – “I know
on my house and I you know that you are
sue me. You until both
not going to dowith this in a professional
don’t you deal that. Why
manner and a record of this threat
me?” Make quit lying to
because it is a lie.
6
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10. 6 We are going to have a Sheriff
. serve– “I don’t believe you. You are a liar.
Respond you papers!*
I amsaid, and I am going to use it against
you writing down what
you. abuse and lies. Why don’t you act like a
your I do not have to take
professional, instead ofof the
thug?” Make a record a
conversation in this book.
7 You are going
. to jail! *
Respond – “We do not have debtors’ prisons,
you idiot. I am writing I am going to use it
down what you said, and
against you when I to take your abuse and lies.
you. I do not have sue
Why don’t you instead of a thug?” Make a
a professional, act like
record of the conversation.
8 You committed
. fraud! * have not committed fraud. I am
Respond ‐ “I
writing down what youuse it against you
said, and I am going to
whentosue you. I do not and lies.” Make a
have I take your abuse
record of the conversation
in this
book.
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11. 9 You’re a bad
. person! * are a bully and a bad debt
Respond – “You
collector. I am writing it will help me when
down what you said and
I sue you. I don’t have
to take your abuse because I have Legal Credit
Cures.” Make a record
of the
conversation.
1 What do you mean you will hire an
0. attorney? You can’t even
afford to pay
your bills? * can get a free attorney
Respond – “I
through Legal put up Cures. I nonsense
don’t have to Credit with your
anymore. Your violationsget the relief I
Federal Law will help me of
need.” Make a record of the
conversa
tion.
* If you have sent the Refuse to Pay letter to a
Collection can’t call me!” and hang up.
say: “You Agency then
Make a note ofThis is
conversation. the
a violation.
8
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12. The following pages are
designed to help you
keep records of the phone
calls and you have with
contacts other
creditors.during a
you take Any notes
conversation with a verify
collector are admissible in court to debt your
side of thewill make the difference
times this story. Many
between winning and losing.
As I stated earlier, it is always good to record
conversations onbut you need If you break
tape or digitally, audio
to do it legally.
recording
conversations, the
evidence will
laws while
not be
admissible and you
will have the
not likely
leverage you
nee
d.
9
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13. If you need help with any of these items,
simply login to the website,
LegalCreditCures.com and check your
resources in the Online Credit laws and
Camp You can check your state’s
us. review the protocol.
If you need more
copies ofyour
book for this
record keeping,
you can print more.
This is one
of your benefits
for being a Cures
Legal Credit
member.
Keep this book by your phone so you
have quick accessyour cell phone and
extras to keep by to it.
keep one at work.
1
0
Co
pyr
Pri
nt

14. Creditor:
Collection Agency:
Amount of Alleged Debt:
Date of First Contact:
Date of Dispute Letter:
Date of Refuse to Pay Letter:
Phone
Calls:
Date:
Date:
Date:
Date:
Date:

15. Creditor:
Collection Agency:
Amount of Alleged Debt:
Date of First Contact:
Date of Dispute Letter:
Date of Refuse to Pay Letter:
Phone
Calls:
Date:
Date:
Date:
Date:
Date:

16. Creditor:
Collection Agency:
Amount of Alleged Debt:
Date of First Contact:
Date of Dispute Letter:
Date of Refuse to Pay Letter:
Phone
Calls:
Date:
Date:
Date:
Date:
Date:

17. Creditor:
Collection Agency:
Amount of Alleged Debt:
Date of First Contact:
Date of Dispute Letter:
Date of Refuse to Pay Letter:
Phone
Calls:
Date:
Date:
Date:
Date:
Date:

18. Creditor:
Collection Agency:
Amount of Alleged Debt:
Date of First Contact:
Date of Dispute Letter:
Date of Refuse to Pay Letter:
Phone
Calls:
Date:
Date:
Date:
Date:
Date: