Yulia Dubinina is a lawyer with 17 years of experience, a professional mediator, an expert on TV, a popular blogger, a member of the Russian Lawyers Association. Pay less for utilities and change the management company? Get rid of loan insurance imposed by the bank and see the pitfalls in the mortgage agreement? Find the income of your ex-spouse, which he hides so carefully so as not to pay alimony? Make bailiffs work or get money for a gift certificate? You hold in your hands a powerful tool with which you can make the law work for you! All you need to do is read the relevant section and start applying the knowledge. Simple and working advice, sample statements and complaints. You no longer need to pay for legal advice; you can help yourself and your loved ones.