Do you have loans? Do you spend most of your family budget on monthly payments? Are you startled by calls from collectors and don’t know how to communicate with them? Or perhaps the bank is already threatening you with a lawsuit, and you are afraid that you will lose all your property “for debts”? You will learn how to act in any of these situations in order to win from this guide. It will become a reference book for those who want to once and for all win in the fight against banking arbitrariness. The directory provides detailed information about ways to get rid of the credit yoke and provides document templates that will help you with this.