Americans (and individuals in other countries) are beginning to research and awaken to an entirely new overstanding of how to combat against their financial harassers. That's right! The people are fighting back against debt collectors and are reporting their methods and success stories with their fellow neighbors! This book is going to help you overstand what House Joint Resolution 192 really means as well as help you overstand the Accepted for Value process. There are numerous methods that can be used in order to resolve your debts without actually paying them, but these two methods are definitely two of the most popular methods hands down. The information within this book is very easy to understand to the point that you should overstand how to resolve any alleged debt by the end of this book. I have also added pictures of the Accepted for value method in order to ensure you have a visual overstanding of the process.