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Big banks, credit card companies and collection agencies want you to think that they hold all the cards.  Unfortunately, until you know what they know, they do. They have more money than some countries.  The reality is that money is power. They have the best lawyers and unlimited resources.    What most people don{t know, however, is that there are powerful federal laws that “level the playing field” and give consumers the leverage they need to protect themselves and enforce their rights.  These laws, however, are worthless if you are not aware of them and don{t know a lawyer that knows how to use them.  Having a lawyer that knows how to use these laws changes everything.  When the bully on the other end of the phone hears “Call my lawyer,” he knows the tables have been turned.

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