Credit card debt alone has tripled since 1989 to over $60 billion ? but Americans are increasingly finding other ways to get in over their heads. Houses are expensive, credit is easily obtained ? and used, and families get caught up in making sure they have everything their neighbor has ? and trying to stay ahead.

Often times the bottom line doesn't add up. Personal bankruptcies skyrocketed in 2005 ? up to nearly 2.1 million from 1.6 million in 2004. The average family finds itself on the brink of economic capitulation. Throw in employment loss, family tragedy, economic downturn, and the sum of this equation is tremendous hardship for the family.

To add insult to injury, when debts aren't paid, the hounds are released, and the ruthless debt collectors begin their quest for repayment. The constant calls, the strong-arm tactics, and sometimes even the threats can take a toll on the entire family ? making things even worse.

Former debt collector, Mike Flanagan, said on ABC News 20/20 that, ?Mean works better than nice,? when it comes to debt collection. No one wants that ominous cloud hanging over their heads ? but it unfortunately happens.

There are answers!

Debt collectors have a job to do, but some can go overboard in their pursuit of the money. Understanding the personal hassle debt collectors can be, Mr. X relied upon his own personal experience and found he could provide help with his step-by-step approach to teaching legal and financial vultures a lesson in humility!

?The Debtors Secret Weapon? is the answer to the onslaught of calls, letters and problems with debt collectors and collections agencies. In Mr. X's 120-page manual, he outlines what any person can do to eliminate the calls from collectors, avoid bankruptcy and still allow the individual to maintain a sense of pride and eventually the accomplishment of being debt free. Imagine that? an instant end to debt collection calls!

Everyone knows someone who is in financial trouble. The humiliation of non-stop harassment by debt collectors can be stopped. It's in the best interest of families swallowed in debt to find a way to keep their heads above water and paddle their way out. The Debtors Secret Weapon is that lifeline they need to get back on track, and keep the circling vultures at bay.