This guide is for people in debt of any kind. It comprehensively explains your legal rights when dealing with the banks and other creditors and will help you get through those times when hope seems all but lost. Covering negotiation and motivational issues, this book will walk you through all the available ways of addressing any debt situation, with strategies and techniques that apply Australia wide. "It is not the strongest or the smartest who survive but those who are the most responsive to change" said Charles Darwin. Well, the financial world has changed recently and what worked before does not necessarily work now. This has left a lot of people high and dry with no clear way out of suffocating debt - but it's only because they don't know what they don't know. This book reveals what financial lenders don't want you to know.