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

Did you know that keeping us in debt is BIG BUSINESS?
Debt consolidation agencies, consumer credit counseling
services, banks, collection agencies, lending institutions,
and finance companies all have a vested interest in keeping
us in debt and struggling with bad credit.
Have you ever looked at the business model for all of
these companies?
IF YOU'RE NOT IN DEBT ... THEY AREN'T IN BUSINESS.
It's as simple as that. For them to be profitable,
millions of us have to destroy our lives, just so these
companies can make money off of us.
Vultures, every darned one of them!
Debt consolidation companies sell you high-interest
"bad credit loans" to consolidate your bills. And since
bad credit equals higher interest rates -- which means the
lender makes more money -- they don't want you to get out
of debt. Why would they?
IF YOU GET OUT OF DEBT, THEY WON'T MAKE MONEY!
And all they care about is money.
Just go to Google and run a search for "Debt Consolidation"
and see how many links come up ... last night I did it --
and at the bottom of the Google page it said there were
"1 - 20 of 801,000" !!!
That's .... EIGHT HUNDRED AND ONE THOUSAND .... links to
web sites designed to keep you in debt so they can make
more and more money, and to heck with you and your family.
As long as you?re in debt, they can make a fortune off of you.
Even the "non-profit" services bring in BILLIONS of dollars
in revenue each year, acting as agents for your creditors
while trying to sell you the idea that they want to "help" you.
Who do you think pays for the "non-profit" organization's
operating budget? Their staff salaries, company picnics,
their retirement plans, and their CEO's huge personal
profits?
YOU!
You pay for them by being in debt and, not only paying for
their "help" to get you out of debt, but by paying more
for everything you buy using credit with higher interest
rates because you're a "credit risk."
And who calls you a "credit risk?" The very companies you
need to go to for credit -- they label you a risk so they
can charge you more and higher interest, so they can make
more and more money off you!
Pretty scummy, wouldn't you say?
Oh! And guess who some of these agencies are funded by? Yep.
The credit card companies actually pay the bills of some of these
"helping hands." Want to take a guess who they're helping most?
THEMSELVES!
Anyway, sorry I got off on this tirade but it really bugs
me that they sucker us all, and then make us pay to try
and escape.
=======================================================
But that isn't the theme of today's Hot Tip ... today's
Hot Tip is, Just who are these people anyway?
I thought it was time to introduce myself and the book's
author so you know who we are and why we care. Don't worry,
there's some good B$ YOUR CREDITORS info in this email too!
I'm Robin Krause, President and CEO of Sub Rosa Books, Inc.
a division of a 20 year old Motion Picture and Television
production company -- I also own and run the film company.
You can see the film company's staff and credits if you would like
to
go to http://www.isubrosa.com -- our main web site.
I produced the feature film "The Check Is In the Mail"
staring Anne Archer and Brian Dennehy, and I was the
Associate Producer on "How To Beat The High Cost Of Living"
with Jessica Lange, Jane Curtain, Susan Saint James,
Richard Benjamin and Dabney Coleman.
Prior to Sub Rosa, I was Vice-President of Bobka
Productions, Inc., the company of an Academy Award and
Emmy winning screenwriter. I was responsible for all
aspects of the business end of making the movies and
all administrative duties for both the production
company for each project, as well as for Bobka overall.
I have worked on over 150 screenplays, and have written
six novels.
I'm also on the Founding Board of Step Up Women's Network.
Step Up is a non-profit organization of women professionals
dedicated to being the most effective organization of
women in the entertainment industry today. Step Up's
mission is to raise money for charity while promoting its
members through events which stimulate career development
and help women to lead successful, and creatively fulfilling,
lives. In our first two years, we raised over a million
dollars for charity.
So I care.
And I chose to form Sub Rosa Books to publish books that
can help people and make a difference in their lives.

SUB ROSA'S MISSION STATEMENT --
We at Sub Rosa love reading and writing either books
or screenplays, and we are very excited to be able to
offer books to you that will help, delight, excite,
thrill or chill you ... whichever you're looking for in
reading material.
Sub Rosa's Mission is to make motion pictures, television
shows, and publish books that inspire, educate and help
people to understand their lives, and the lives of the
animals on this planet, through the format of very
commercial product.
=======================================================
Do you know of someone who would benefit from reading this
course? If so, please feel free to forward this email to them.
Or ask them to subscribe by sending a blank email to
mailto:BSyourCreditors@aweber.com or by going to
http://www.bsyourcreditors.com/hottips/ and signing up for
the course.
Your friends and family will be thanking you and so will we. Thank
you!
=======================================================
Now it's time for you to Meet the Author!
I'm turning the page over to Sherilyn Moore, what you read
below is her message to you.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Hi ... and thank you so much for reading these emails!
Did you know that they send collections agents to school to
teach them how to get money away from you?
I know. I went to "collections school."
As a bright-eyed finance student, I learned how to restructure
corporate debt, manage international portfolios, and maneuver
through the finer nuances of bank management.
When I graduated from the University of South Florida with my
Finance degree, I was ready to guide a multi-million dollar
company to economic glory.
However, fresh-faced kids straight out of college go directly
to the bottom of the finance food chain -- collections.
Of course, my title was much more intriguing -- Factoring Credit
Trainee. This was not the job I dreamed of in school, but I
needed to start somewhere. If it meant bugging strangers for
money -- so be it! Ah, had I only known what I know now!
So, I moved to the "big city" and began my career.
At the bank, they actually ran a class where I was taught the
subtle art of squeezing people out of every penny they owed --
plus interest.
I learned: what to say, how to say it, when to say it, how to
record it, what to do, and who to report what to, in order to get
the money -- all of it. A long-standing, well-researched, massive
manual of information on how to do my job was handed down to me
along with a certificate of completion when I graduated from
"collections school."
All this work before I even made my first call! We spent months
learning how to get money from our customers!
Cheerily calling seventy-five "deadbeats" a day soon turned into
mind-numbing drudgery for me. So, when I came across an
interesting story or a sympathetic situation, I was all ears.
One woman in particular stands out in my memory, I'll call her
"Gladys." Gladys owned a small furniture store in a tiny town
in a miniscule area of the South. She was sixty days behind on
her bank loan. I began our conversation with my scripted (now
memorized) patter, carefully designed for one purpose only --
to get her money!
Gladys sighed.
Then, in a long Southern drawl, she said, "Oh, honey. I know
I need to get you that money as soon as it comes in, but you
just won't believe what's been happenin' in this here little town!"
She went on to describe, in great detail, the band of teen thugs
who had been vandalizing the community. I learned how dog poop
smeared on your front door can seriously drive away the customers!
I diligently typed every last word into my computer and let her
off the hook. The next week, her number came up again on my list.
This time, those darn poop-smearing teens had broken into the store
and she was, "goin' to the police right that very afternoon!"
I sympathized. We talked. I told her to buck up because I'd do
everything I could to hold off the bank's thugs.
Mind you ... I was supposed to be a "bank thug!"
After the next call -- after those teens broke into her trailer,'
smearing more of the aforementioned poop on her personal belongings
as retribution for going to the police -- it was all I could do not
to send her a shipment of Lysol to help out!
Of course, my jaded bosses flagged her account and called me in to
explain. They read through my detailed notes and asked if I thought
she was lying.
I clearly remember answering, "Who would lie about poop?" A shining
intellectual moment and a definite career-high!
But they left her in my care for a few more weeks until I
could work out a modest payment arrangement for her.

Was it B$? Maybe.
Did it make my day? You betcha.
Did I go the extra mile to help her out? Of course.
Was anyone hurt, mangled, or put out in the process? Nope.

Now, after all that, you'd think I would have known better
than to ever get in debt myself.
However . . . small natural disasters, tragic personal events,
and an optimistic hope that I can buy this today and find a
way to pay for it tomorrow soon landed me smack dab in the
center of my own personal finance crisis.
I was in debt. Big-time. The phone rang off the hook. The
credit letters got nastier and nastier. Every creditor wanted
all my money, yesterday!
And even though I knew how the system worked, even though I knew
the "money-getting speech" as well as they did -- I shelled out
every possible dime to meet their ever-increasing demands. I
resorted to shopping for groceries at over-priced gas stations,
because that was the only credit card left open and the only way
I could eat. No matter what I did, it still wasn't enough!
Family members helped out as much as they could, but when you're
that far in the hole, the ropes they throw are never quite long
enough. They were definitely lifesavers but, unfortunately, it
was only temporary.
Desperate, embarrassed, and without any hope of saving myself,
I enrolled with a non-profit credit consolidation agency. They
drew up a budget, charged me a nominal fee, called all my
creditors, and arranged payment plans.
It seemed like a dream come true. They were going to help me
get out of debt without bankruptcy!
I had no idea how it would damage my financial future. Five
years of payments didn't seem like such a long time ....
But you've read Hot Tip #1 ­ Debt*Consolidation Will Destroy
Your Life! so you KNOW what happened next. (If you've forgotten
-- or if you want more information about it -- download the free,
full color e-Book B$ WARNING: Debt*Consolidation Will Destroy
Your Life! at http://www.freeBSbooks.com)
What a mistake I made!
Of course, I felt better paying off all my obligations.
I learned how to live within my means and what "being poor"
really meant.
However, the value of saving, the satisfaction of getting
out of debt on my own, and the ability to really plan for
a personally secure financial future remained elusive
concepts instead of reality.
And then, there was this book!
When Sub Rosa Books came to me asking me to rewrite the
original manuscript of B$ YOUR CREDITORS ... SO YOU CAN
SURVIVE! I was delighted.
My time at the bank coupled with a Bachelor's degree in
Finance and my intimate experiences with personal debt,
made this an exciting, liberating project.
... If I could help individuals through their own course on how
to talk to creditors -- like the class I graduated from on
how to squeeze money out of debtors -- it would help level
the playing field and give those who need it most a hand. ...
That's what this book is!
B$ YOUR CREDITORS ... SO YOU CAN SURVIVE! is not only a great
guide on how to get out of debt, but it combines terrific
advice with easy-to-follow instructions on budgeting and planning.
And the forms in the B$ EASY BUDGET BOOK makes it a cinch to get
a handle on your financial picture and to plan for your success!
If you need to get -- and stay -- out of debt the easy way ...
this is the book for you! I tell you all the tricks and tips
I learned during my days as a debt collector ... so you can tell
the truth from the B$ when you hear it!
I want you to be able to easily get out of debt and build a
wonderful future for yourself ... and you should give this book to
your family and friends who're always asking you for money so
you won't have to bail 'em out anymore!
Everyone should read B$ YOUR CREDITORS ... SO YOU CAN SURVIVE!
All my best, Sherilyn

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Hi, Robin again. Now you can understand why I formed a
book company and started with publishing her books!
Great gal, isn't she? Smart, talented, and she cares too!
=======================================================
You'll get your last B$ YOUR CREDITORS ... HOT TIP in
2 days and there's another really good Top Ten list for you --
one you REALLY need to read ... possibly the most vital one of all.
Let me know if you have comments: Robin@BSyourCreditors.com.
Thanks for reading B$ YOUR CREDITORS ... HOT TIP #6!

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

=======================================================
100% MONEY BACK GUARANT*E!
If you need to start B$ing YOUR CREDITORS right now go to
http://www.BSyourCreditors.com and buy the book 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.

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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.

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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.