A lot has happened since then - the housing bubble collapse, the Great Recession, lots of financial reforms, and now the rollback of most of those reforms.

In this 10th Anniversary edition, Sullivan revisits the land of Gotchas - bill-by-bill, fee by frustrating fee - in an effort to help readers get fair treatment across their financial lives.

The new edition, with each chapter updated for 2018, also offers "the rest of the story" on the roller-coaster ride that U.S. consumers have endured for the past decade, and issues a clarion call to stop the madness.