A realist and no-nonsense professional, Ken Hubbs has dedicated his life to helping others through a myriad of life crises of almost every imaginable variety. Ken brings to bear his significant life experience, commitment to excellence, and undaunted integrity, along with a scholar's touch, to provide what may prove to be the most accessible and practical work to date for helping people deal with unfair debt collection practices. Includes the full text of the Fair Debt Collection Practices Act (1977).