While I admire Bud Hibbs, I do have some problems with his Site. They are:
1. If you download his e-book "Guilty Until Proven Innocent" you must realize that much of the information in it is outdated. I have pointed this out to him and he says he is re-witing the book. I offered to help but got no response.
2. The whole premise of "CA's to Avoid" is laughable - as if the debtor has a CHOICE as to which CA a creditor would choose. Putting on my old, dusty bill collector hat, I would make it a point to USE any CA on his list, since the most aggressive CA is supposedly the one most likely to collect.
3. The site is, after all, attempting to drum up business for him, like Bill Bauer's Creditwrench site. While I would ordinarily never mention Bill Bauer and Bud Hibbs names in the same breath, in this instance they both have created their "debtor help" sites in a way to give out useless information in order to get you to purchase what is supposedly useful information. That's a far cry from Debtorboards, AoC, CN, CreditInsiders and CreditinfoCenter which are truly free and can provide the same information truly free of charge. In all honesty I will admit that I have never purchased either Bauer's or Hibbs' products and have no first hand knowledge of the value of the information they sell. I can say that I was able to do the same thing they promise (credit repair, avoiding and/or stopping creditor lawsuits, removal of derog TL's and suing for FCRA/FDCPA violations) without them, and I never paid a penny for the information I obtained to be able to do it.