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i Introduction -- to an ebook by Mark S. Hankins with comments and corrections by Bill Bauer. Fair use doctrine applies when meaningful editorial comments are made by another author. One of the rights accorded to the owner of copyright is the right to reproduce or to authorize others to reproduce the work in copies or phonorecords. This right is subject to certain limitations found in sections 107 through 118 of the copyright law (title 17, U. S. Code). One of the more important limitations is the doctrine of "fair use." The doctrine of fair use has developed through a substantial number of court decisions over the years and has been codified in section 107 of the copyright law. Section 107 contains a list of the various purposes for which the reproduction of a particular work may be considered fair, such as criticism, comment, news reporting, teaching, scholarship, and research. Section 107 also sets out four factors to be considered in determining whether or not a particular use is fair: The purpose and character of the use, including whether such use is of commercial nature or is for nonprofit educational purposes The nature of the copyrighted work The amount and substantiality of the portion used in relation to the copyrighted work as a whole The effect of the use upon the potential market for, or value of, the copyrighted work I am not making any attempt to sell or profit from any of my comments or criticisms. What is contained in the comments in the following pages excerpted from Mr. Hankins book are for the purpose of public education and are for nonprofit educational purposes. While Mr Hankins does have excellent material and ideas in his book and therefore I heartily recommend that you purchase the entire book directly from him. I can assure my readers that the small price he asks for his book is more than well worth it. You can contact Mr. Hankins at flacorps@gate.net to purchase his book. "At present I do not feel that I have seen more than the fringe of poverty. Still I can point to one or two things I have definitely learned by being hard up. I shall never again think that all tramps are drunken scoundrels, nor expect a beggar to be grateful when I give him a penny, nor be surprised if men out of work lack energy, nor subscribe to the Salvation Army, nor pawn my clothes, nor refuse a handbill, nor enjoy a meal at a smart restaurant. That is a beginning." George Orwell, Down and Out in Paris and London "Once you get past the ethics , the rest is easy." – Larry Hagman as "J. R. Ewing, " Dallas The working title of this book was The Credit Matrix because so many Americans are now familiar with the premise of that movie: that there could be an unseen world more real than the one they are living in, and that forces within that world affect their lives in furtherance of a hidden agenda which takes no account of them as a person, but simply as a resource to be exploited. It is a conspiratorial view, although I do not mean to suggest that Americans facing debt problems are the victims of a conspiracy or confluence of conspiracies in the sense of criminal wrongdoing. Instead Americans are caught up in a series of flawed systems that various interest groups have created and perpetuated for the purpose of making money. Very few people would say that making money is inherently wrong, however hardly anyone would say that those making the money would willingly accept any more restriction than necessary on how they make the money or how much of it they make. And the businesses' view of how much restriction is necessary is going to be inherently more lenient than the view of those on the other side of their moneymaking activities, or than that of a neutral observer. To the extent that knowledge of what they do and how they do it is likely to lead to an increase in regulation or greater enforcement of existing regulation or to individuals shoveling less money into their coffers, they are going to want to keep their secrets. So yes, all of the participants in the credit system are going to use the consumer for whatever gain can be obtained, and they are going to keep as much information away from the consumer as possible. It's simply good business. Anybody who gets in the way of that objective should not expect any love from the industries involved, and they may have to put up with some name - calling. I personally am painfully familiar with what Mr. Hankins speaks of here. He and or some of his friends have vilified me and my works for years while they too have been involved in the learning process which all of us have to go through. One or more of his acquaintances and internet pals have falsely accused me of many disgusting things and have caused me no end of grief. However, vengeance for those acts is not my purpose in the following pages nor is using them to make a profit.  Those who hew to the party line will be termed "responsible" authors and journalists, while those who say anything different will earn the terms sleazy , shady or worse. The purpose of this book is to give truthful, useful information, not to earn the plaudits of the industries it touches on (nor is its purpose solely to offend them -- if that happens, it happens). And if you, the reader, successfully take advantage of the strategies and tactics mentioned in this book, you can expect to at some point be called an "Internet debt avoider" or worse. If you can't handle that, read no further. In a n my case, as I said this book was originally more an explanation of the landscape than a map of how to get through it, but writing a book is a journey sometimes you learn new things as you go along and you adjust accordingly. Along the way, this book's focus changed to reflect a need that I saw for more help in the area of defaulted debt. Many credit books devote only a few pages to defaulted debt and the industry that pursues it. They give the back of their hand to those people in deep money troubles, stranding those people most in need of help (or they may simply say "file bankruptcy" with little attention paid to the strategic considerations that go into that Continue

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