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<TABLE CELLSPACING=0 CELLPADDING=0><TR><TD>Introduction</TD><TD WIDTH=40></TD><TD VALIGN=TOP>1</TD><TD VALIGN=TOP>(2)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=20></TD><TD>Think Like a Lawyer</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>3</TD><TD VALIGN=TOP>(2)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=20></TD><TD>The Effective Letter</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>5</TD><TD VALIGN=TOP>(14)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=20></TD><TD>The Letters</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>19</TD><TD VALIGN=TOP>(240)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Good and Services (letters 1--23)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>20</TD><TD VALIGN=TOP>(50)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Health Care (letters 24--37)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>70</TD><TD VALIGN=TOP>(32)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Liability (letters 38--39)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>102</TD><TD VALIGN=TOP>(4)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Government Agencies (letters 40--44)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>106</TD><TD VALIGN=TOP>(12)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Banks, Insurers, Credit Cards (letters 45--57)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>118</TD><TD VALIGN=TOP>(26)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Cease and Desist (letters 58--60)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>144</TD><TD VALIGN=TOP>(6)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Collection (letters 61--62)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>150</TD><TD VALIGN=TOP>(4)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Neighbors (letters 63--64)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>154</TD><TD VALIGN=TOP>(4)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Schools (letters 65--68)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>158</TD><TD VALIGN=TOP>(8)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Landlords (letters 69--70)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>166</TD><TD VALIGN=TOP>(4)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Employers and Co-Workers (letters 71--73)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>170</TD><TD VALIGN=TOP>(8)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Travel (letters 74--78)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>178</TD><TD VALIGN=TOP>(10)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Letters In Your Defense (letters 79--81)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>188</TD><TD VALIGN=TOP>(6)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Settlement Letters (letters 82--84)</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>194</TD><TD VALIGN=TOP>(7)</TD></TR><TR><TD>Appendix A</TD><TD WIDTH=40></TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>A Brief Guide To Small Claims Courts</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>201</TD><TD VALIGN=TOP>(6)</TD></TR><TR><TD>Appendix B</TD><TD WIDTH=40></TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Federal Agencies</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>207</TD><TD VALIGN=TOP>(2)</TD></TR><TR><TD>Appendix C</TD><TD WIDTH=40></TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>State Agencies</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>209</TD><TD VALIGN=TOP>(1)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Consumer Protection</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>209</TD><TD VALIGN=TOP>(10)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Independent Review Panels for Health Claims Decisions</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>219</TD><TD VALIGN=TOP>(10)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Insurance Commissions</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>229</TD><TD VALIGN=TOP>(5)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Banking Agencies</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>234</TD><TD VALIGN=TOP>(7)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Education Agencies</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>241</TD><TD VALIGN=TOP>(6)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Agencies That Accept Consumer Complaints Against Credit Card Companies</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>247</TD><TD VALIGN=TOP>(7)</TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Transportation Agencies</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>254</TD><TD VALIGN=TOP>(4)</TD></TR><TR><TD>Appendix D</TD><TD WIDTH=40></TD></TR><TR><TD><TABLE CELLSPACING=0 CELLPADDING=0><TR><TD WIDTH=40></TD><TD>Credit Reporting Agencies</TD></TR></TABLE></TD><TD WIDTH=40></TD><TD VALIGN=TOP>258</TD><TD VALIGN=TOP>(1)</TD></TR><TR><TD>Index</TD><TD WIDTH=40></TD><TD VALIGN=TOP>259</TD><TD></TD></TR></TABLE>

Describes how to write an effective complaint letter and includes examples of eighty-four letters to such organizations as banks, government agencies, retailers, and HMOs, and to such individuals as neighbors and landlords

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