Book Overview
To Pay or Not To Pay should have been titled To Sue or Not To Sue. The author, Stanley G. Hilton is an attorney who believes in suing creditors before thy sue you. His advice doesn't help you decide whether you should pay your debts, but rather steers you toward suing your creditors to reduce or eliminate your debt. However in 214 pages, Hilton doesn't mention how a debt-stricken consumer who can't afford to pay their bills can afford to hire a lawyer to fight their legal battles.
Hilton recommends going up against some formidable opponents, like student loan lenders and the IRS. Some of these recommendations are so far-fetched, at certain points in the book I questioned Adams Media's decision to publish the book.
Hilton Gives the Wrong Facts
Who Would Benefit From This Book?
There are some useful pieces of information in the book. For example, the list of reasons you can use a creditor can help readers recognize when they're being bullied by creditors. It's also helpful to know that, in general, consumers do have the ability to sue their creditors.
Most Useful Chapters
- Chapter 2: Fighting Collection Agencies
- Chapter 3: Watch out for Credit Repair Scams
- Chapter 8: What to Do About Medical Bills
- Chapter 11: Saving Your Home From Foreclosure
- Chapter 13: Tenant's Rights
