The lowest-priced item that has been used or worn previously.The item may have some signs of cosmetic wear, but is fully operational and functions as intended. This item may be a display model or store return that has been used.See details for description of any imperfections.
Award-winning reporter Williams went undercover inside one of the largest firms in America's debt collection industry. Now, he reveals everything he learned--and shows readers exactly how to fight back and protect their rights.
A business journalist for most of the past 24 years, Fred Williams has written about debt collection for Kiplinger's Personal Finance and for The Buffalo (N.Y.) News, where he started covering the industry in 1999. He undertook a six-month research project on the industry in 2006, supported by the Kiplinger Program in Public Affairs Journalism at The Ohio State University. In 2008, he worked as a debt collector for 11 weeks at a collection agency near Buffalo. Fred graduated from Binghamton University in 1986 with a bachelor's degree in economics. He currently lives in Charlottesville, Virginia, and is careful to pay his entire credit card balance each month.