confusion and distress in America arise not from defects in their Constitution or Confederation, nor from want of honor or virtue, so much as downright ignorance of the nature of coin, credit, and circulation.”
President, John Adams
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WHO, WHAT, WHEN, WHERE, WHY & HOW?
DO YOU OFFER FREE CONSULTATIONS?
Yes. Of course. Please visit the Do I Qualify page and follow the steps.
DO I HAVE TO ENROLL ALL OF MY CREDIT CARDS?
No. It is up to you to decide the ones from which you do or do not want relief. However, if for example, you have three Capital One cards, you should enroll them all as they will all most likely be closed, even if you enrolled one or two.
WILL THIS STRATEGY WORK FOR ME?
Yes. Although, this debt relief and education program is not for everyone. For those who qualify it's a no-nonsense program that makes good sense. If you owe more than $10,000 in credit card debt, personal loans or lines of credit, this program is likely for you.
WHAT KIND OF DEBT CAN AND CANNOT BE ELIMINATED?
This program works best with cards that show a Visa, MasterCard, American Express or Discover Card logo, along with department store cards, gasoline cards, unsecured personal loans and lines of credit. Although most loans are funded using the same fraudulent techniques, this program does not work with secured loans like automobiles, mortgages, jewelry and furniture loans. It is not for medical bills, utilities, pay day loans, child support, student loans and taxes or over drafts.
Credit Union loans or credit cards are cross collateralized, which means if you don't pay your credit card, they can take part of your car payment and apply it to the card, and then you'd be behind on your car payment which could lead to a repossesion. Therefore, credit union debts should not be enrolled, unless there is no risk of the above situation. Also, debts that you have been summonsed to appear on, or are in court, or arbitration, or have already received a judgment or arbitration award should not be enrolled.
DOES THIS WORK WITH ALL CREDITORS?
This program works successfully with all of the thousands of creditors that fraudulently lend money.
CAN I USE THIS PROCESS FOR BUSINESS DEBT?
No, business debts are not protected by consumer laws such as the Fair Debt Collections Practices Act.
CAN I USE THIS PROCESS FOR DEBTS THAT ARE IN COLLECTIONS?
Yes. If an account has been turned over to a collection agency you can receive debt relief only if you have NOT made any payments to the collection company/attorney. If you have, we cannot assist you with the account because your payment constitutes your belief in the validity of the debt.
WHAT IS THE TIMELINE OF EVENTS IN THIS PROGRAM?
After completing your enrollment forms and faxing them to us, you will be emailed your first educational newsletter and audio recording which you are required to listen to if you haven't already. Your Welcome Packet will be mailed to you on the date your first payment clears. You are required to watch the enclosed DVD's and read the literature in the first week, along with returning the requested documents.
Throughout the program, educational materials, letters, legal documents, etc. will be drafted by paralegals and/or attorneys, and sent to you, or each credit reporting agency, creditor, collector, and/or collection attorney, as necessary. Then you'll wait for each of their responses and fax them to us within 48 hours until your debts are canceled. Because of our uniqueness in this industry, we apologize for our vagueness here, however this information is only given to those that qualify for our program, and are given a telephone presentation for us to reveal this prorprietary information.
CAN I DO THIS MYSELF?
Yes, but only if you are an attorney. And if you are, like anything else in this world, you could certainly change the transmission in your car, or you could just as easily take it to a shop which has the trained personnel, tools and equipment to do the job accurately for you, with much less risk. Our program has taken years of research and development and will remain cutting edge. And you guessed it; we have the trained personnel, tools and equipment to help you do the job accurately, with much less risk.
CAN I ELIMINATE A DEBT IF I HAVE A CHECKING, SAVINGS, OR OVERDRAFT WITH THE SAME BANK?
No. You must close all other accounts with such banks, before eliminating a debt with them.
WILL I HAVE TO DO ALL THE PAPERWORK MYSELF?
No. There is very little paperwork, if any, that you'd have to do and if so a legal professional would walk you through it. Your program is interactive. You will simply need to fax all correspondence received from the credit reporting agencies, creditors, collectors and their assigns.
WHAT HAPPENS IF I GET A LETTER FROM A CREDIT CARD COMPANY OR A DEBT COLLECTOR?
Creditors almost always send irrelevant letters in response to letters sent on your behalf. Just simply fax these to the toll free number we give/gave to you. Then save the letter in your file. Our automated systems, and network of paralegals and attorneys will assist with the proper response.
WILL THE PROGRAM WORK IF MY ACCOUNTS ARE IN CONSOLIDATION?
No. Consolidation is a bank sponsored program, so you must cancel this program and take your accounts out. Usually, simply faxing them a cancellation notice is sufficient. However, read your agreement to be sure.
HOW CAN THIS BE MORAL, I GOT THE PRODUCTS THAT I BOUGHT, AND WAS RAISED TO PAY BACK WHAT I OWE?
If you feel that whoever funded the loan should be repaid the money, then it is totally moral for you to cancel your alleged debts. To make this simple: The bank stole your promissory note (asset) from you and then deposited it to fund your account. Therefore, you funded your own loan, and the creditors owe you back the stolen amount which is the credit limit. Once you have learned about the fraudulent banking system, the moral thing to do is stop participating in their illegal system altogether. The banks require uninformed participation from people who have not discovered the truth.
WILL THIS AFFECT MY CREDIT RATING?
Yes, possibly. Although the Fair Credit Billing Act states very clearly that when a debt is disputed, no collection activity is permitted during the resolution period on the disputed amount, and no finance charges may be collected on the disputed amount. In addition, the creditor may not report the account as delinquent, or close the account.
However, the laws also state that fraud is illegal, and banks commit fraud on most loans issued, so it is safe to say that they may and sometimes do mark your credit late. Do not fear. Credit Cleanup is begun shortly thereafter your enrollment, there will also be a solid paper trail of evidence to substantiate your restored credit by the time you are done with the program. Free Credit Cleanup is included with your program. See if you qualify and get to speak with a Debt Specialist for details.
HOW WILL THIS PROCESS AFFECT MY ABILITY TO GET A LOAN OR RE-FINANCE?
Please read "will this affect my credit rating" above. It is also strongly suggested that you stop "borrowing" and or moving your debt around. However, if it is a necessity you should apply for these loans before entering or after the program and free credit cleanup are complete.
WILL THIS AFFECT MY MORTGAGE?
No. In our experience, we have not ever seen anything happen to someone's mortgage.
CAN I GET ANOTHER CREDIT CARD OR LINE OF CREDIT AFTER THE PROGRAM?
Yes. You can get in more debt right after going through the program, but why on earth would you?
WILL I STILL BE ABLE TO USE MY CREDIT CARDS?
No. The accounts you enroll will be closed during and after the program.
SHOULD I STOP MAKING PAYMENTS TO CREDITORS AFTER I ENROLL IN THE PROGRAM?
We do not give financial advice. Common sense suggests that you should stop making the endless payments to the creditors enrolled, immediately upon enrollment into the program. Once you've learned the truth, that your asset was used to fund the supposed loan back to you, continuing to pay them is contradictory. If you have already stopped paying the credit companies before entering this program it is not a problem.
HOW CAN THIS BE LEGAL?
Your creditors are likely breaking numerous laws and committing fraud. Federal law states that they can't lend their own credit. They violate contract law because there is rarely a signed valid contract, and they likely do not disclose the true terms of the loan in the unsigned card member agreement. They may actually conceal them by not telling you they are going to steal your promissory note and use it to fund your loan back to you.
They also risk nothing, which equates to zero contract consideration. These items are illegal and make the alleged agreement fraudulent and void. Plus they likely forge your application by stamping it - and making it payable to them, along with changing its value which is fraud. Any contract that does not have the authority to be created and ratified is illegal, and therefore null and void. For more detailed information please visit: Debt Termination.
WHAT ARE THE TAX CONSEQUENCES?
We do not give financial advice and we suggest seeking the advice of a tax expert. Although tax consequences in debt relief are very unlikely, banks may report canceled debts exceeding $600 to the IRS and you may have to report the same as income on your annual tax return. The IRS permits you to write off any "income" from canceled debts up to the amount by which you were "insolvent" at the time. So unless you have a positive net worth, which is unlikely if you're deep in debt, then you ordinarily won't have to pay taxes on the relieved amounts.
WHAT HAPPENS IF I HAVE ALREADY MADE A PAYMENT TO A DEBT COLLECTOR?
We cannot help with that account because by making a payment to them you have given up your right to make them validate the alleged debt, under the Fair Debt Collection Practices Act. The laws are different with regard to having paid the original creditor.
WHAT DO I SAY IF A CREDITOR OR DEBT COLLECTOR CALLS ME?
We will send you instructions and scripted text of what to say and do to make them go away. Debt collectors are commission based telemarketers trying to make a sale, just like any other phone solicitation. They are selling you on the benefits of paying them in exchange for them not harassing you anymore, and for them not wounding your credit rating. These collection agents usually make a percentage of what they get people to pay. Therefore, they only see you as their lunch money.
CAN I BE PUT IN JAIL, OR NOT BE ABLE TO GET MY REAL ESTATE LICENSE OR SOME OTHER LICENSE?
No. They cannot hurt you. This is a civil issue, not a criminal issue, you can't go to jail for stopping your payments to the banks and seeking debt relief, especially because you are using the laws written to protect you in doing so.
CAN I BE SUED BY A CREDITOR?
Yes. But, not lawfully or likely. However, if you are sued help is provided. This one-of-a-kind debt relief and education program is highly successful at keeping you out of court. In fact, your assigned attorney will likely sue any of your creditor's debt collectors, before they could sue you. You have the right to sue and win penalties for many of their regular FDCPA violations.
DO I NEED MY OWN ATTORNEY TO USE THIS PROGRAM?
Yes/No. It is not necessary for you to find your own attorney for this program. Your program is partially delivered by a hand picked attorney from a nationwide network of attorneys.
WHAT WOULD MY PERSONAL ATTORNEY SAY ABOUT THIS PROGRAM?
At first, your attorney is likely to reject the truth because it is unimaginable - but thank God we discovered it. After a little more research, your attorney will confirm that contracts can be void, or voided, when there are violations of disclosure and a lack of consideration. They will confirm that when a bank performs actions they are not authorized to do they are performing acts considered "Ultra Vires", and those acts are also considered illegal. They will also confirm that if a debt collection agency violates the Fair Debt Collection Practices Act, they may be sued. They will also confirm that if credit reporting agencies violate the Fair Credit Reporting Act, that they may be sued, etc.
We cannot however, assume your attorney will be knowledgeable about the banking system, the Federal Reserve System and the creation of Fiat (backed by nothing) money. In fact most lower-level bankers do not understand how the system truly works. We suggest you invite your attorney to review this site independently so they can provide you true, worthwhile advice.
IS THERE A GUARANTEE?
Legally, attorneys cannot give a guarantee for performance, however our powerful attorney assisted program is 100% successful to date, and we'll never stop improving it. It is not based on some untested theory, or some legal loop hole. Although previous results are no guarantee of future results, this program truly works if you are proactive. If you educate yourself with the materials supplied, and send in your correspondence as soon as possible, you will likely succeed.
As you know we cannot give financial or legal advice and suggest seeking the advice of a licensed expert if needed. The information provided to you is intended to help you learn about the banking system, law and legal system in these united States of America. The information provided does not constitute financial or legal advice and should not be used as a substitute for the counsel and services of a licensed expert.
