Credit card debt alone has tripled since 1989 to over $60 billion but Americans are increasingly finding other ways to get in over their heads. Houses are expensive, credit is easily obtained and used, and families get caught up in making sure they have everything their neighbor has and trying to stay ahead. Often times the bottom line doesnt add up. Personal bankruptcies skyrocketed in 2005 up to nearly 2.1 million from 1.6 million in 2004. The average family finds itself on the brink of economic capitulation. Throw in employment loss, family tragedy, economic downturn, and the sum of this equation is tremendous hardship for the family. To add insult to injury, when debts arent paid, the hounds are released, and the ruthless debt collectors begin their quest for repayment. The constant calls, the stron best fat burner g-arm tactics, and sometimes even the threats can take a toll on the entire family making things even worse. Former debt collector, Mike Flanagan, said on ABC News 20/20 that, Mean works better than nice, when it comes to debt collection. No one wants that ominous cloud hanging over their heads but it unfortunately happens. There are answers! Debt collectors have a job to do, but some can go overboard in their pursuit of the money. Understanding the personal hassle debt collectors can be, Mr. X relied upon his own personal experience and found he could provide help with his step-by-step approach to teaching legal and financial vultures a lesson in humility! The Debtors Secret Weapon is the answer to the onslaught of calls, letters and problems with debt collectors and collections agencies. In Mr.