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To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors
by Adams Media Corporation
To Pay or Not to Pay: Insider Secrets to Beating Credit Card Debt and Creditors - Click to Enlarge
Avg. Rating: 3 of 5 stars (based on 5 reviews)
$3.46 to $10.95 from 5 stores
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Customer Reviews
3 out of 7 people found the following review helpful:
1 of 5 stars  No Secrets - Very Few Facts - Poor Writing Style
Friday, January 28, 2005
I started to skim this book to see what it was made of and to lock onto any interesting facts. What it is made of is a series of bland adjectives, witty phrases (at least the author seems to think so) that add nothing but filler, and broad and wasted analogies to great historical people and entities that the author seems impressed to have learned about. The whole thing reads like a Mitchner book, full of superlatives, with little fact or meaning. I.e. one section heading: "The Expert Witness: The Secret Weapon of the Countersuit." I have watched "Law and Order" on few occasions and they often have an expert witness - THIS IS NOT A SECRET. At another point the author states, "At Harvard Business School, MBA students are taught that the only thing that counts in life is the 'bottom line.'" I went to a Penn State masters program in business and learned the same thing. I was also required to take a business ethics course which supported this notion but also insisted that the best way to achieve it was through customer satisfaction, among other things. This customer is not satisfied with the book. I would sell it on AMZ as a used book, but would feel that I was ripping people off - even if I sold it for a cent. There are better books out there.

9 out of 9 people found the following review helpful:
3 of 5 stars  Offers some hope...
Tuesday, April 20, 2004
I bought this book because I thought it might give me some ideas on how to fight credit card debt. And the book does deliver in this arena - it does give ideas, that may or may not be applicable to your situation. If you are already "enmeshed" in legal battles, the advice that Hilton offers, though, may not be applicable. Mostly what this book offered me was a sense of hope, some interesting information about the legal system and creditors in general, and some comfort in knowing that I am not alone in my "battle". The thing that most bothered me about this book was that there is no way to contact Mr. Hilton, no list of further resources, etc. His book is the only one, as far as I know, out there with this particular viewpoint. As such, I believe he should back up his book in a better way, by providing more information on how to contact him, a website, etc. He does seem to be passionate about this subject, and I can't understand why someone would write a book like this, and then just sort of leave the readers "hanging".

8 out of 9 people found the following review helpful:
5 of 5 stars  Sue predatory credit granters --cost them money!
Monday, March 01, 2004
Hilton's book is excellent and his advice is good. Predatory credit granters ought to be sued and sued often. Don't be misled by the bad reviews posted here by -- guess who? -- minions of the credit industry. Hilton's advice is to simply turn the tables on your creditors -- sue them before they sue you. What after all, do you have to lose? If it doesn't pan out, well, there's always bankruptcy.

11 out of 18 people found the following review helpful:
1 of 5 stars  Inaccurate Information Makes Me Suspicious
Wednesday, February 04, 2004
This book make me nauseous. The tone, the message ... could hardly believe what I was reading. When I got to the page where Hilton states that credit scores (FICO) range from 0-1000 and are issued by TRW, I knew I couldn't trust this author. Come on, Mr. Hilton! Do your research. TRW has not existed as a credit bureau for at least 10 years and credit scores range from about 350-950 max depending on the credit bureau issuing. Isn't it funny how this clown nit picks and searches for the tiniest little error to have grounds to sue! sue! sue! (recommended repeatedly throughout the book) ... but can make inaccurate statements in his book like it's no big deal. I hope someone sues! sues! sues! him for writing this ridiculous book. Do not waste your money on this one. For sure I won't donate it to my library. Someone might accidently read it.

1 out of 8 people found the following review helpful:
5 of 5 stars  Light at the end of the tunnel
Monday, January 19, 2004
Mr. Hilton has given me some hope. I only wish I knew how to contact him for more info.

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