The true story of an ordinary middle-class married couple buried in over $94, 000 in credit card debt who face debt collection, learn to defend themselves in court without hiring a lawyer, and force a major bank's collection attorney to dismiss its case against them. They avoid bankruptcy and they prevent collection. Every pleading (of both Plaintiff and Defendant) filed in this case is reproduced in its entirety - only the case number and names have been changed to protect the couple's privacy. What these people learned about the banking system would change their lives forever. NEW, UPDATED EDITION!!! Includes additional information about dealing with unscrupulous debt collectors -- their deceptive tactics, annoying phone calls, and various enticements designed to lure you into making yourself vulnerable to lawsuits, ALSO how the Statute of Limitations in your State can protect you from lawsuits and judgments.