If you're robbing Peter to pay Paul it's worth skipping him this month, too, to buy this book. Not for the deadbeat who has no intention of paying up, but rather for the person who's in too deep and needs to stall for scratch. Belden, a pseudonym of a ""formerly hardpressed debtor,"" has some ingenious suggestions for combating the bill collector's arsenal of weapons, whose clout, in any case, often relies more on psyche than substance. The author rates creditors as they rate us -- AAA (nobody to fool with): landlords, utilities, etc.; AA (amenable): credit card companies, etc.; A (softies): doctors, dentists. There's no contest if you're poor, black, live in a ghetto and deal with the shlock shops, but if you're in arrears at Bonwit Teller the ""status ploy"" is said to be effective: ""Sirs, if dunning persists I will take my business elsewhere.