Patricia has been a professional writer and researcher for over 20 years. She is the author of several books under her own name and a great many for clients as their ghost writer.

In 2003, Patricia was inducted into the Who’s Who Historical Society’s International WHO’s WHO of Professionals and the Manchester Who’s Who of Executives and Professionals.

Also in 2003, Patricia lost her job as the marketing director of a statewide law firm, when they discovered she was seeking employment elsewhere. At the height of an ongoing unemployment crisis for the state, she was unable to find work. By the time she gave up and moved back to her home state, her savings were gone and her credit was in shambles. In her home state, the legislature had enacted a new law that allows current and potential employers to check an individual’s credit reports and scores, as well as to use that information as reason to not hire or dismiss them.

Not being able to find work, Patricia took her part-time Internet business to full time. Making enough to barely live on (it takes time to grow a business with no capital backing), she was unable to make payments on all the debt she owed due to the 2008 economy crash, which by 2009 was now all in the hands of third party debt collectors.

Mail could be ignored, and they did not have her phone number. Even letters from attorneys could be ignored, until the sheriff’s department hand delivered a notice to her that she was being sued. That is when Patricia’s research took her on a most unexpected journey into the justice system.

I truly believe we all should be financially responsible and pay our debts; however, I do not believe in kicking people when they are down and thus digging an even deeper financial hole for them, which is pretty much what third party debt collectors do. Therefore, I share this information with you in my book “Beat Your Creditors” with step-by-step instructions in order to help you keep from being buried deeper in financial troubles than you already are. I genuinely hope this information helps you as much as learning it has me.

Web site: http://www.BeatYourCreditors.com for more detailed information on the book.