“IN THE CREDIT SYSTEMYOU ARE GUILTY UNTIL YOU PROVE ...

"IN THE CREDIT SYSTEM...YOU ARE GUILTY UNTIL YOU PROVE YOURSELF INNOCENT"

--Bud Hibbs

To my beautiful wife, Susan:

You are the reason for this dream It is your face, your smile that drives me It is the sacrifices you made that meant so much

You are not just my wife... you are my life!

THE AMERICAN CREDIT SYSTEM: GUILTY! UNTIL PROVEN INNOCENT.

Written by Bud Hibbs, 1995 Harvest Media, Inc. Fort Worth, Texas. First Printing January, 1996.

Printed in the United States of America. All rights reserved.

Harvest Media, Inc. 820 North Main Street, Fort Worth, TX 76106

Daniel Collins, President Phone: (817) 589-4284 Fax: (817) 731-3729

Printed by Pelican Press 11070 North Stemmons Freeway, Dallas, TX. 75229

Tom Keffer, President Neal Hesler, CFO

Phone: (817) 589-4284 Fax: (817) 731-3729

No part of this book may be reproduced in any form or by any electronic or mechanical retrieval systems without permission from the publisher/author.

For more information contact Bud Hibbs Hired Gun Productions

PO Box 101672 Fort Worth, Texas 76185-1672 Contact Bud Hibbs on the Internet at .

Although the author has researched various sources to ensure accuracy and completeness of the information contained in this book, no responsibility is assumed for errors, omissions, or inaccuracies. Any slights to people or organizations are unintentional.

Susan A.Hibbs Lisa Anderson Jason Hibbs Daniel Collins Neal Hesler The Tallman Cherie L. Byrd Rob Petersen Tom Haynes Bill Martin Tom Gabriel

Special Thanks To The Following:

Zelda Toby Laurie Anderson Terry Gietzen John "Cyberspace" Perry Tom Keffer John Rody

Matthew A. Byrd Stewart R. Miller David Green Risa Ladd Bob Hibschweiler

All the great folks at KRLD Radio in Dallas & The Texas State Radio Network

Michael Spears Lisa Hinson

Ernie Brown Julie Koshy

Curt Koehn Chad Jourdan Park Van Nest Marcus Davis Tom Gostkowski Maria Saldana

Production Staff

Senior Art Director Art Director/Designer Production Director Cover Illustration Production Director Distribution

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THE AMERICAN CREDIT SYSTEM: GUILTY! UNTIL PROVEN INNOCENT

DEDICATION

This book is dedicated to the millions of Americans who thought there was no hope for seemingly endless credit problems.

To the single parents who are trying to make it day to day...week to week...month to month.

To the people who have had their lives turned into a living hell by collectors; to those who have had to deal with the IRS and who feel they have failed because they have had to declare bankruptcy. This book will enable you to overcome your problems and give you a second chance in a society that really doesn't give a damn about you or your problems.

DISCLAIMER

Bud Hibbs is not an attorney and does not give legal advice. This book provides information about credit and debt collection and is based on his experience in working with thousands of consumers and every type of credit problem possible over the past twelve years. Though Mr. Hibbs has done extensive research, worked with attorneys and state and federal organizations, been a guest on hundreds of national television and radio shows, including his own on KRLD Radio and the Texas State Radio Network in Dallas, readers should use their own judgment when using the book. Furthermore, anyone requiring legal advice or having legal problems with their credit should consult with a competent attorney.

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