This is total immunity from any debt collection. Learn how to refuse to pay unfair debts, keep your money, avoid bad legal advice from attorneys, keep your good credit and prevent any debt collection from the sole expert who developed these strategies over thirty years. These strategies will allow you to avoid settlement or consolidation, especially avoid bankruptcy, while also avoiding the consequences of non-payment which may include liens on real estate, bank account levies and wage garnishment. These strategies have been tried, tested and proven since the nineties and there are no more effective methods of getting out of any unsecured debt situation, including even student loans and state and federal income taxes.