You Don't Need a Lawyer

Introduction 1

Think Like a Lawyer 3

The Effective Letter 5

The Letters 19
GOODS AND SERVICES
(letters 1–23) 20
HEALTH CARE
(letters 24–37) 70
LIABILITY
(letters 38–39) 102
GOVERNMENT AGENCIES
(letters 40–44)106
BANKS, INSURERS, CREDIT CARDS
(letters 45–57) 118
CEASE AND DESIST
(letters 58–60) 144
COLLECTION
(letters 61–62) 150
NEIGHBORS (letters 63–64) 154
SCHOOLS (letters 65–68) 158
LANDLORDS (letters 69–70) 166
EMPLOYERS AND CO-WORKERS
(letters 71–73) 170
TRAVEL (letters 74–78) 178
LETTERS IN YOUR DEFENSE
(letters 79–81) 188
SETTLEMENT LETTERS
(letters 82–84) 194

Appendix A 201
A BRIEF GUIDE TO SMALL CLAIMS COURTS
Appendix B 207
FEDERAL AGENCIES
Appendix C 209
STATE AGENCIES
Consumer Protection 209
Independent Review Panels for Health Claims Decisions 219
Insurance Commissions 229
Banking Agencies 234
Education Agencies 241
Agencies That Accept Consumer
Complaints Against Credit Card
Companies 247
Transportation Agencies 254
Appendix D 258
CREDIT REPORTING AGENCIES

Index 259