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Denise Richardson

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Books
· Give Me Back My Credit! (paperback)


Articles
· Shocking statistics for US student loan defaults in 2010

· Is your Facebook Friend a Digital Criminal?

· Choosing a secure password is key to avoiding identity theft

· Cancer patient's Identity Stolen by Lab Tech; Fighting For Justice

· Grinch Games; A Post Holiday Tale...

· The real problem is Identity theft, not those trying to thwart it!

· Ho, Ho NO to Identity Theft; 10 Tips to avoid fraud!

· Work-at-Home Offers and Scams on the Rise

· Beware of eBay Phishing Scam Circulating

· Scam Alert: Microsoft Customers Targeted


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· National Consumer Protection Week: March 2nd - March 8th

· Strike Back: Defeat Identity Theft Now Campaign

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· A Book Review from Authors Press Releases

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Books by Denise Richardson
Give Me Back My Credit! (audio version)
by Denise Richardson   

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· Give Me Back My Credit! (paperback)

Category: 

Memoir

Publisher:  Spoken Books Publishing ISBN-10:  1600310117 Type:  Non-Fiction
Pages: 

224

Copyright:  December 2006 ISBN-13:  9781600310119


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Amazon
Amazon
Infinity Publishing

Give Me Back My Credit!

"A modern day David vs. Goliath tale, in which one woman went head to head against corporate America to fight not only for her own rights, but for the rights of all those who would follow in her footsteps."
Consumer Action
San Francisco, CA

Have you ever woken up in the middle of the night trying to remember if you paid a bill?  What if you woke up because you knew you did?

This is the story of an innocent woman —an ordinary citizen with a once perfect credit rating—who made the unfortunate decision to make additional principal payments on her mortgage.  As millions of ordinary people do on a regular basis, she wrote a check out every month and sent it in a timely manner; notating her extra principal payment on the designated coupon supplied by her bank.    Denise Richardson’s simple act of pre-paying her mortgage unleashed a grueling decade of incredulous, interlocking events that consumed her life and changed it forever.   The tale paints a human face on the true effects of inaccurate credit reporting, illegal collection practices, mortgage servicing fraud and identity theft.

This compelling story points to a system gone terribly wrong and provides the necessary lessons and steps required to protect yourself. Learn what you can do to prevent it from happening to the most important people in your life...your family. 





This is the audio version of the original release. Total running time 7 hours (6 disk set) -

NOTE: The audio version was just released!!! It is now available at Amazon and toll free at  877-buy-book or buybooksontheweb.com -and soon available at your your favorite book store.

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Excerpt
We walked into the court room and I sat quietly behind my attorneys on the right side of the court room. On the left sat the Defendants’ attorneys and their entourage sat squarely behind them to my left. We all stood as the judge entered the room. He began by addressing the defendants, asking them to recite what happened and how this case got before him. Fleet’s attorney stood up and began reciting his version of events nonchalantly. He said something similar to “Well, your honor, we did this...and then unfortunately we did this....and unfortunately we did this and unfortunately this happened.” I don’t think he had even gotten to the part where they sold the non-existent debt to a collection company when the judge heard him utter one too many “unfortunately{s}.” He abruptly pushed back his chair and threw both hands in the air, straight up into thin air.

“Ms. Richardson’s stress level had to be off the scales,” he proclaimed. Yes, that is exactly what he said. I will never forget his exact words because at that moment I felt a piece, however small, of validation. He knew how I felt! Tears silently streamed down my face. I wasn’t making any noise but my cheeks were full of tears, as if someone had turned on a water faucet. I had no control of them. Suddenly, the judge’s eyes landed on my face and quickly turned to Alan and Larry. “Is that the Plaintiff sitting behind you?” he asked.

“Yes, your honor,” one of them responded.

“I would like to meet with you and your client in my chambers and then I will meet with you,” he said, turning a stern eye towards the defendants’ table. While I was in chambers, the judge told me he couldn’t help but notice how emotional I was. He relayed that he had hopes he could “get a number” from me that I had in mind to settle. He could take that figure to the Defendants, to see if they would accept it. I remember it only brought on more tears as I told the judge I didn’t want to settle. I had no “figure” in my head. I had made it this far and I didn’t understand why I couldn’t have my day in court to claim both the justice and case law that could be helpful to so many other victims out there.

The judge told me I could in fact move onto trial. He was not at all forcing me to settle, but rather thought perhaps if we all spoke we could find a way to end this nightmare now and prevent more pain that would be endured in a court room battle. The judge left us in his chambers and went back to the courtroom to talk to the defendants and their attorneys, relaying we were to wait there and he would return shortly. When he returned, it was with the news that they had made an offer to settle. He told me the “number” and my attorneys thought I needed to consider it quite seriously…

Much to the chagrin of my husband as well as both Larry and Alan (and probably the Judge as well), I opted to move toward trial. It was a simple decision for me considering my passion about the situation, but I was betting it wasn’t so simple for them to understand. “Ok,” the Judge said. “Let’s go out and let them know you want to move toward trial and we will schedule your pre-trial dates for motions and discovery.”

As we all walked out of chambers and took a seat, I could clearly see the shock on their corporate faces. I found out later from Alan that they were expecting the judge to come back to them with another offer and thought that would be the end of the matter. They heard the judge’s tone and thought this would come to an end, or at least-hoped it would.

We were all standing again and the judge left us to set up all the details of the pre-trail process. As we stood, I heard Fleet’s attorney say, “Ok, let’s get some dates set up for depositions.” His dismay was quite noticeable because his face was a bright red, his teeth were clenched and his tone became very intimidating. “Well, we’re going to need several dates for Mrs. Richardson. Let’s block off entire days and, oh yes, we will need her daughter’s address as we plan to depose her. Also her therapist, Mr. Richardson and also Ms. Richardson’s primary care Doctor will have to give depositions as well.” He angrily snapped the latches of his briefcase shut. He then looked at me sternly, attempting to wound, as he said, “We will be doing a motion to obtain her hard drive as well.”

I kept my game face on, as if I their intimidations didn’t bother me and I wasn’t incensed that they were threatening to use my daughter, my hard-drive and therapist as if they were their weapons. As if I couldn’t see they were clearly and purposely taking this hard-line stand to bully and browbeat me. His actions were saying, “You want to play hard ball? We’ll play hard ball.”

I sighed. This is how it’s going to be, I thought, be tough and don’t show them they can get to you. I smiled and said, “Great!”


Professional Reviews
A great deal more than just a story...
“Denise Richardson is a living answer to the question of what can happen to an American when the systems that keep track of who owes what to whom completely break down. Like most of the countless consumers harmed each year by errors that corporations can’t or won’t fix, Denise suffered enormous personal and financial harm when computer systems began to misreport her data. Unlike most other people, however, Denise set out to understand exactly how and why such mistakes occur, and then took on the system. Her story of personal courage and resilience is not only inspiring, but the hard-learned lessons she clearly articulates in this book can help many other consumers protect themselves from the mistakes that all too often are afflicted by America’s credit reporting system.”
F. Paul Bland, Jr., Staff Attorney
Trial Lawyers for Public Justice (TLPJ)


Important lesson for all...
"Denise Richardson's story has important lessons for all Americans. It's the story of a consumer who faced hardships created by credit bureau
errors, mortgage servicing errors, abusive debt collectors and identity thieves.
So she learned, fought back and won. Now she's a consumer champion
with a book that's a first-person story and a consumer handbook in one, with
lessons for everyone who wants to win against corporate and financial
predators. Buy it and then fight back yourself!"
Ed Mierzwinski, Consumer Program Director
U.S. Public Interest Research Group
Washington, DC


...A Book that every American must read...
"Give Me Back My Credit is a book that every American consumer must read.
Denise exposes the truth about how our nation's credit system really works
and how our consumer protection rights have slowly, but intentionally been
wiped away by corporate greed and government acceptance. In a clear and
simple voice, Denise teaches everyone how they can try to protect their
rights and how we must collectively fight back to get back our rights and
our credit!"
Ira Rheingold, Executive Director and General Counsel
National Association of Consumer Advocates (NACA)



Reader Reviews for "Give Me Back My Credit! (audio version)"


Reviewed by Lloyd Lofthouse
Good, another soldier in the trenches battling the mess this country has become with all of its credit woe created by greedy corporate types. I've been there... And now the battle begins.
Reviewed by John Domino
I bought the paperback version. This will be just as good or maybe even better!

How many books SAVE you money???

OK give up?

Buy this book TODAY!

John Michael Domino

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