Inside, you’ll find detailed strategies, resources, and insider tips for dealing with some of the most common kinds of debt, including credit card debt, medical debt, student debt, and housing debt.

Over the last thirty years, as wages have stagnated across the country, average household debt has more than doubled. Increasingly, we are forced to take on debt to meet our needs—from housing, to education, to medical care. The results—wrecked lives, devastated communities, and an increasing reliance on credit to maintain our basic living standards—reveal an economic system that enriches the few at the expense of the many.

The Debt Resisters’ Operations Manual is a handbook for debtors everywhere to understand how this system really works, while providing practical tools for fighting debt in its most exploitative forms. Inside, you’ll find detailed strategies, resources, and insider tips for dealing with some of the most common kinds of debt, including credit card debt, medical debt, student debt, and housing debt. The book also contains tactics for navigating the pitfalls of personal bankruptcy, and information to help protect yourself from credit reporting agencies, debt collectors, payday lenders, check cashing outlets, rent-to-own stores, and more.

Written and edited by a network of activists, writers, and academics from Occupy Wall Street, additional chapters cover tax debt, sovereign debt, the relationship between debt and climate, and an expanded vision for a movement of mass debt resistance.

https://www.sholetteseminars.com/wp-content/uploads/2018/03/The-Debt-Resistors-Operations-Manual.pdf

I CREDIT SCORES AND CONSUMER REPORTING AGENCIES
II CREDIT CARD DEBT
III MEDICAL DEBT
IV STUDENT DEBT
V HOUSING DEBT
INTERLUDE
VI MUNICIPAL DEBT
VII FRINGE FINANCE TRANSACTION PRODUCTS AND SERVICES
VIII FRINGE FINANCE CREDIT PRODUCTS AND SERVICES
IX DEBT COLLECTION
X BANKRUPTCY
XI PROSPECTS FOR CHANGE

APPENDIX A

REQUEST FOR INVESTIGATION OF CREDIT REPORT

DISPUTE LETTER TO CREDIT BUREAU

INTENT TO SUE” LETTER TO CREDIT BUREAU

REPLY TO A CRA ACCUSING YOU OF CREDIT REPAIR

APPENDIX B

INITIAL DISPUTE

DEMAND FOR REMOVAL TO REPORTING AGENCY

PROCEDURAL REQUEST

DEMAND FOR REMOVAL TO FINANCIAL
INSTITUTION (ABUSE/FRAUD)

DEMAND FOR REMOVAL TO FINANCIAL
INSTITUTION (NON-SUFFICIENT FUNDS)

APPENDIX C

REQUEST TO VALIDATE MEDICAL DEBT

APPENDIX D

DISPUTE LETTER

CEASE AND DESIST LETTER