Do you have credit card companies chasing you for payment? Has a collection company called you or sued you to collect a debt? Are your wages being garnished? Do you get calls at all hours of the day and night from debt collectors? Do you have mounting hospital bills? Or credit card bills? Do you wonder how you're going to make your mortgage payment? Do you have to choose between paying the credit card bill and buying groceries? Are you in foreclosure or is a foreclosure imminent? Is your student loan payment equal to or more than your car payment or your house payment? Does the IRS keep your tax refund? At the end of the month do you have money left over, or at the end of the money do you have month left over? If the answer to any of these questions is "YES" then this book is for you. In November 2015, Shawn started the Crushing Debt Podcast. Shawn has taken the concepts discussed on the Crushing Debt Podcast, the legal issues that he writes about in his blog, and the education that he provides through continuing education seminars for attorneys, Realtors® and others, and condensed all of that content into this book. If you feel bullied, know that everything is going to be okay, because there are always options!