Has the potential to save you $,$$$ in collections! App includes step-by-step instructions on fighting creditors, collectors and the credit bureaus against their derogatory account reporting using the FDCP and FRCP in your favor. This App includes: * List of Federal and State Statute of Limitations regarding oral contract, written contract, promissory note, and open-ended accounts. * Common FDCP and FRCP violations by collectors, creditors and credit bureaus. * Word templates to be downloaded to home computer to send to creditors, collectors and credit bureaus. * Shows where to get a free copy of your credit report.