Creditors calling night and day?
Drowning in debt?
Want to GET OUT & STAY OUT of debt?

Like yourself, I wanted to "Be debt free and happy!"
But it was much easier said than done -- until I read
the manuscript of the book "B$ YOUR CREDITORS ...
SO YOU CAN SURVIVE!" I was stunned at how much great
information was presented in such an easy to use,
humorous style.

And I made the decision to expand my motion picture and
television production company by forming Sub Rosa Books
so that I could publish this terrific book -- and others.
I mean, how often have you heard someone say, "The check
is in the mail?" Good grief, I even produced a movie
with that title starring Anne Archer and Brian Dennehy.
It's almost an anthem ... so how could I not publish
this book?

And in this six part series, which is excerpted from that
book, you'll learn some of the B$ (Best Strategies,
or ... well, you know) and some of the Hot Tips needed to survive.
The money tricks and techniques I'll explain in this
course are essential for you to learn if you would like to
get out of debt and have all the things you dream of
in the future.

Here's some of the great stuff you'll discover in the
B$ Hot Tips in this series --

• Why debt consolidation will destroy your life.
  
• The Top Twenty Things debt collectors can't do ...
  but might try anyway!
  
• The Top Ten Things you should NEVER say to creditors,
  what to say instead, and the Top Ten Things
  to ALWAYS say!
  
• What do I do if I don't owe the money? What if they
  break the law?
  
• THE BOTTOM LINE: What can my creditors really do to me?

Now ... on to the info --
First of all, don't feel bad if you're in debt.
You're not the only one. When the good times were
rolling, everybody -- individuals and corporations
alike -- extended themselves way beyond salvation.
Now we're paying for it.

You know this economy's a total mess. Too many large
companies have either filed for bankruptcy protection or
merged and "downsized," leaving their employees hanging
off a financial cliff with a frayed bungee cord.

The companies are protected, but you're sure as heck not.
Your job (your earnings, your livelihood) is merely one
more "expense" to be dealt with during corporate
"restructuring." Major companies lay off workers to
cut costs, require them to take pay cuts, or take on
extra duties without a pay raise. Lousy for you, but
still better than being unemployed.

Real people get into trouble when their employers
are in trouble. Then everyone tries to save themselves.
Companies sell out to foreign investors in order to
have the capital base to survive in a competitive world
marketplace. The new owners often restructure to cut
costs, and you lose your job.

Because of the corporate veil, which protects the owners
when their corporations go under, these guys can go
on to create another get-rich scheme. Individuals don't
have that protection. The only thing we can do is to try
to survive by B$ing OUR CREDITORS until we can make enough
money to get out of the hole and start over.

Most of us believe that our financial problems are only
temporary. Human nature impels us to hope for a better
future.

And, for most of us, things will improve.
If you've lost your job, but you have marketable skills,
you can hopefully get employment within a few months.
B$ing YOUR CREDITORS for a little while will just be a
matter of making partial payments, extending the payments,
or postponing them, until you are back on your feet.
If, on the other hand, you've been sinking for so long
you've forgotten what it feels like to float, then you
are definitely one of the majority.

According to the most recent Federal Reserve statistics,
consumer debt has reached a staggering 1.7 trillion
dollars. In these tough financial times, everyone is
seeking help in dealing with their creditors.

Now, I'll let you in on the B$ YOUR CREDITORS ... HOT
TIPS. Trust me, they work. And I?m going to share them
with you, so you and your family can enjoy the peace
and quiet I have gained.


B$ YOUR CREDITORS ... HOT TIP #1
Debt Consolidation Will Destroy Your Life!
Yet you see ads everywhere ... in the newspaper, TV,
magazines, in the tabloids:
DEBTS? Let us help. Bad credit is no problem.
DEPRESSED BY BILLS? Get help fast. If you don't call,
we can't help.
PROFESSIONAL CREDIT COUNSELING: Only $30 a month.
We're pros. Call us and we'll use our skill and experience to
get you out of debt fast!

Sounds great, doesn't it? But if you're paying someone
monthly to get you out of debt -- and you stop paying them
as soon as you're debt free -- why would they want to help
you pay off your debts as soon as possible?

Think about it, the longer they take to get the job done,
the more money they get paid!

We'd all love to believe that the tooth fairy will shove a
million dollars under our pillows after our next root canal,
but do you seriously believe that?

Now granted, the ads and the non-profit promises are
appealing, even intoxicating. So is the tooth fairy's
million dollars. When you're so far in the desert of debt,
these companies look like beautiful blue oceans of promise.
They are not!


Top Ten Reasons Debt Consolidation Will Destroy Your Life!

1. The fact that you couldn't handle your money
and went to a debt consolidation or credit counseling
service is on your credit report for seven years after
you finish paying the debts! This can be worse for your
credit than declaring bankruptcy!

2. They're expensive! You should be using your
money to pay off bills -- not enriching the coffers of
someone whose ad says, "Call for a FREE Consultation."
Free? No company stays in business if they don't profit --
somehow -- otherwise, who's paying for their offices?
The phones? Their three hour business lunches?

3. If someone else is running your financial life,
the credit-card companies may "charge off" your debts --
so it looks on your credit report like you didn't pay them.
And you have NO control over this. You've just paid them
to put a big black mark on your credit report for over
seven years! Who's really getting the deal here?

4. Some are SCAMS. Do you know which ones aren't?
You're going to be giving your most intimate financial
details to a company full of people you don't know, who
will keep your info on computers that may not be secure.
Identity theft was the # 1 consumer complaint listed by
the FTC in 2001. Are you sure you want to risk this?

5. Companies make millions of dollars selling your
personal information, heck, you even have to pay to get
YOUR OWN CREDIT REPORT so you can correct their wrong
information ... now that's some scam!

6. Since you're paying them a monthly fee, why would
they want to get you out of debt as quickly as possible
so you can STOP paying them?

7. Most future creditors won't even consider you if
you've been in a "program." You have to pay off all your
debts, then add seven years for the info to get taken
from your credit report so they don't know about it, and
maybe you can get credit again.

8. You lose control of your money ... and control of
your life. Once you make this choice, there's no turning
back without your finances being far more damaged than
they were at the beginning.

9. The second-mortgage scam. Now, you're not just
risking your future, but your shelter. If you can't pay
the payments and you default, you'll be foreclosed on,
and you'll lose your house. Then you're apartment hunting
with a bad credit report that says, not only didn't you
pay your credit card bills, but your house was foreclosed
on -- so, no one will take you and your family in.

10. You give up the opportunity to B$ your way to
financial freedom.

THE REAL TRUTH --
WHAT DO CREDITORS WANT?
CREDITORS ONLY WANT THEIR MONEY BACK!

Your creditors would much rather you paid them every
month, while the interest continues to accrue to them,
that way they make even more money off you. So make
cheap deals with them yourself. Don't use a debt
consolidation company or a credit repair service.
It's easy to do their job: write down all your bills,
add them up, and then figure out how, with the income
you have, to pay the bills off.

Why pay someone to do what you can do yourself?
Being in charge of where your money goes, to whom,
when, and how it'll affect your future is the only
way to ensure you keep yourself and your family
out of debt forever.

Most importantly, learning how to successfully manage
your finances is a skill that you will use forever,
and can pass down to your children and their children.

DO IT YOURSELF!
But you don't have to do it ALONE.
That's why I published B$ YOUR CREDITORS ... SO
YOU CAN SURVIVE!
You'll get the next B$ YOUR CREDITORS ... HOT TIP in
2 days, and it will tell you the Top Twenty Things Debt
Collectors Can't Do ... # 6 -- They can't threaten to
arrest you!

By the end of this course, you'll have a real good
handle on what you have to do to get -- and stay --
debt free and what your creditors can, and can't,
do to you.

Remember, there are finance books galore ... but none
of them teach you how to talk to creditors and get them
to do what you want them to do except --
B$ YOUR CREDITORS ... SO YOU CAN SURVIVE!
I hope you find this course helpful. I'd be delighted
to get your comments, feedback and opinions. Please send
them to: Robin @ BSyourCreditors.com

Here's to your monetary success,
Robin Krause
President/CEO
Sub Rosa Books, Inc.

P.S. For more news on how Debt Consolidation Will
Destroy Your Life, download the free, full color e-Book
B$ WARNING: Debt consolidation Will Destroy Your Life!
at http://www.freeBSbooks.com
Please e-mail it on to all your friends, acquaintances,
family, co-workers, and even your enemies, if you want.

=======================================================
100% MONEY BACK GUARANTEE!
If you're in a hurry to get started B$ing YOUR CREDITORS
go to http://www.BSyourCreditors.com to read sample pages
of this fun, useful 304 page book and to order your copy
now so you can get started on creating a financially secure
future for you and your family. Only $29.95 ... less than
a night at the movies for two and some fake popcorn with
toxic butter on it!

The book may also be ordered at http://www.Wal-Mart.com,
Amazon, B&N, and at bookstores nationwide through Ingram.
Buy the book so you can start B$ing YOUR CREDITORS today!
=======================================================
If you have questions about the Fair Debt Collection
Practices Act, or your rights under the Act, write:
Consumer Response Center
Federal Trade Commission
Washington D.C. 20580
Call your State Attorney General's office to report
violators.
If you don't fight for your rights ... who will?

Stop living paycheck to paycheck!  There is a better way. 
B$ your way to financial freedom ... order

Be Debt Free and Happy.  Order now for only $19.95

Clickbank offers a 90-day full money back guarantee, so what have you got to lose?
Click here to buy it now!

It's only $19.95 ... less than it'll cost you trip out at the local Mall. And it's a much better deal. It'll get you out of debt, and it won't break your bank account!

See how easy B$'ing Your Creditors is ... and then decide.You're fully covered by the guarantee so try it today--risk-free.

Download is a zipped pdf, requiring the free Acrobat Reader,and a zip reader


A portion of Sub Rosa's profits are donated to the Entertainment Industry charity Step Up Women's Network
B$ is a Trademark of Sub Rosa Entertainment, Inc.

Sub Rosa Books, Inc. 350 South Center Street Suite 500 Reno, NV 89501-2161

Use of this site constitutes your acceptance of our terms of use/ copyright and privacy policies.

Copyright 2002 Sub Rosa Entertainment, Inc. Important Caution to the Reader: The information on this site is not intended as legal advice for an individual situation. If you need further help and have not done so already, please contact an attorney. This site does not take the place of an attorney's advice based on the latest developments in finance law. This site is based on information from sources believed to be accurate on the topics included. However, it covers only the broad general principles set forth herein and is not intended to be an exhaustive legal treatise on these subjects. The authors are not attorneys or CPAs and do not purport to offer legal or accounting advice. Neither the authors nor the publisher are engaged in rendering legal, accounting, or other professional services. Remember, NO advice or book can replace a good lawyer. Specific problems invariably involve individual considerations and should be promptly referred to legal counsel or other expert assistance. This site was written around American credit and finance laws. As such, much of this site might not apply in other countries. Although every effort has been made to make this email as complete and accurate as possible there may be mistakes both typographical and in content. Therefore, this text should be used only as a general guide and not as the ultimate source of credit information. The reader is encouraged to read all available material and to learn as much as possible about the subject. Furthermore, this site contains accurate information only up to the posting date. The laws change swiftly, especially in the area of finance. So when in doubt, see a lawyer! This site is presented without warranties of any kind, express or implied, and the publisher and authors disclaim any liability, loss or damage caused by the contents of this site.