To be truthful God inspired me to write this book while I was working for a major Credit Card and Bank company of which my job was to keep people in debt. At first I was not aware of what I actually was hired to do, until my upper line Manager stated "JoAnn, you have to face the facts, your job is to keep people in debt! You get paid to keep people in debt!". When I was told this it hit me like a semi truck, and I finally woke up. Since that time while I worked for the company I started focusing more on educating and helping the customers who would call in about debt, interest, fees, formulas, etc. as much as I could while I was on the job, of which I did help a lot of people during the 3 and 1/2 years of being employed by the company. I quit the company so that I could write this book, of which in this book, I expose in full detail how companies get paid to keep you in debt. I expose the many tricks they play with your interest rates, fees, due dates, what to do, as well as the companies who are suppose to help you, such as the Credit Bureaus (of which there are 4 major ones not just 3), Credit Repair Companies, Fraud, Banks, I break down your FICO Score, define the different Terms and Conditions, show how to protect against Identity Theft, the proper way to teach your children about managing money; College Students, the Elderly, Laws, Protection, and much more. I not only expose and share the information I let you know why and how, as well as show examples. I decided to give it my all, because I feel that people have the right to know what they are truly dealing with, this way they can be able to make a sound decision on how to spend when they know what they are up against. These companies are in the business to make money, so it is their job to try to make as much money off of you as possible. It is your job to be well aware of the hidden ways that they make their money, and know who is really working for you, and who is not. During the time I was writing "Getting Paid To Keep You In Debt!" a lot of strange things happened because I think one of my co-workers of whom I trusted told that I was writing a book. Despite it all, God made this book able to be released for sale in order to truly help people, no matter what they make, or how old they are. This book is a first ever of its kind, because it comes from a person who was on the inside for many years, and the information alone is worth a fortune, so buy it today for your self, your family members, loved ones, and friends. I assure you that it is worth it. Author/Illustrator/Publisher JoAnn Pinkney Wilcox "Getting Paid To Keep You In Debt!"