|
Don't
Consolidate - Eliminate

Amount of your tax dollars
used to bailout the bankers - so far:
$3,000,000,000,000
Amount of your tax dollars
used to bailout the American people:
$0

|
Hi,
My name is Jim Bullock and I
would like to help some special Americans regain their dignity.
But first, I would like to
share with you what I consider an interesting observation. |
 |
Back in 2007 when this financial
boondoggle started unwinding, the media reported that there were approximately
20,000,000 Americans with credit card debt totaling about $2.5
Trillion.
According to the Bushwacker and
his Treasury Secretary Paulson, ex CEO of Goldman Sachs, their goal was to save
the financial industry. Why? We don't know. We can only guess.
What is disturbing is the "how."
They gave our money to the banks that lost our money due to their own
incompetence. Then, they took more of our money trying to get us to spend money
we don't have to stimulate the economy.
What I wonder is - why didn't they
take that $3,000,000,000 they gave to corporate American to save their bacon
and just pay off our credit card debt? That way the banks get money to shore up
their balance sheets and we have no more credit card debt.
Hell, its our money, why
shouldn't we benefit?
Then, with this onerous debt load
off our shoulders we might even be able to spend some money and stimulate the
economy.
From where I'm sitting - it
appears that "We The People" are nothing more than a great big bottomless
cookie jar for incompetent corporations and big government.
When they screw up
we bail them out.
When we screw up we
either go bankrupt or to jail.
Do you see something wrong with
this picture?
Evidently lots of people do.
That's why millions of Americans are no longer making payments on their credit
cards or mortgages.
They're part of the "pissed off"
minority.
Unfortunately, many, if not most,
of these people are doing it all wrong. If you don't do it right, the
repercussions can come back and bite you in the butt sometime in the
future.
That's where we come in. We can
show you how to stop paying your credit card debt correctly. How to set up a
defense for the future. How to stop that future "butt bite."
But, be forewarned, our
suggestions will sound counter intuitive. Or, put another way - strange as
hell.
But, bear with us. Our suggestions
are simple, they're effective, and they're all legal.
In the prophetic words of
President Kennedy:
"The great enemy of the
truth is very often not the liedeliberate, contrived and
dishonestbut the mythpersistent, persuasive and
unrealistic."
Our goal is to help you see the
myth and understand the truth.
To do that, you need to read the
following message - read the whole message - from top to bottom - before you
pass judgment.
Then, when you get to the bottom -
if you're part of the "pissed off minority" - mad as hell - and ready to do
something - something that will benefit you - not the banks - join us - before
its too late.
Thanks for your time.


The
Message
Truth #1:
As an American -
its your Patriotic Duty to STOP making payments on your credit cards and
mortgages...
Truth #2:
Currently, there
are 341.92 TRILLION reasons you should stop...
Truth #3:
If you don't stop
- you'll be destroying your future - your kids' future - and your grandkids'
future...
Truth #4:
Sadly, 95% - 98%
of all alleged Americans won't stop - they're nothing more than...
Puppets
controlled by MYTHS
Truth #5:
The good news is -
there's still hope...
Truth #6:
You can be rid of
your first credit card in as little as 30 minutes -
And I'll prove it...
All you have to do is take a few
minutes to learn the truth...
|
The sad
story is... |
 |
we Americans are nothing more than a bunch of well trained circus
elephants...
The Federales knows it... The bankers know it... Chances are - you
know it too... |
We've Been Trained Like Pachyderms All Our
Lives
Dear Skeptic,
Let me explain:
Over the last 94 years the federal
government, media, public educational system, and corporations have spent
literally trillions of dollars training you and I like
circus elephants.
In his book The Gift of
Fear Gavin de Becker explains how circus elephants are trained:
"When young, they are
attached by heavy chains to large stakes driven deep into the ground. They pull
and yank and strain and struggle, but the chain is too strong, the stake too
rooted. One day they give up, having learned that they cannot pull free, and
from that day forward they can be "chained" with a slender rope. When this
enormous animal feels any resistance, though it has the strength to pull the
whole circus tent over, it stops trying. Because it believes it cannot, it
cannot. "
This is "Learned Helplessness." "A condition of a human being
or an animal in which it has learned to behave helplessly, even when the
opportunity is restored for it to help itself by avoiding an unpleasant or
harmful circumstance to which it has been subjected."
I'll tell you how to banish this
problem from your life in a moment. But before I do, let's talk about why you
consistently practice "learned helplessness" - to your detriment.
You "learn" "helplessness" with
what I call "Training Phrases."
You've probably heard these
phrases everyday of your life. When you hear them you unconsciously shake your
head in agreement.
They start when we're young and
keep coming at us until the day we die. They start with phrases that make us
feel insignificant - incapable of doing anything of value:
- You'll never amount to
anything
- You can't sing
- You're not smart
enough
- You're a loser
- You're worthless
- You're to short - to
tall
- You're to skinny - to
fat
- You can't beat city
hall
Then, once we're convinced we're
nothing more than a heaping pile of elephant dung - we're told what we should
do and how we should think:
- Do as your told
- Go to school
- Obey the law
- Don't argue with the police -
they're only there to protect you
- Don't question the
government
- Our elected officials know
what's best for the country
- You live in the freest country
in the world
- Love it or leave it
Of course, being good little
trained circus elephants - living in the freest country in the world - we can't
do anything on our own - we have to have government permission:
- To own a car
- To drive a car
- To start a business
- To own a house
- To get on an
airplane
- To enter a public
building
- To get married
- To get divorced
- To vote
- And now, to buy health
insurance
And the list goes on and on...
Basically, we can no longer do anything without our master's
permission.
Here's the good
news - breaking free of the chains - overcoming the illusion of "learned
helplessness" - is really quite simple...
All you have to do is learn to
deal with reality and understand the difference between truth and
lies.
Here's the process...
When ever you hear a "training
phrase," just respond with "WHY?"
Wether its you saying the
"training phrase" to yourself or someone else saying it to you.
If you do, the first response
you'll probably hear is: BECAUSE.
"BECAUSE" is a "training phrase"
that means: I DON'T HAVE A CLUE.
If you keep after them, make them
explain their "BECAUSE," they'll start on a long, rambling, incomprehensible
explanation. Proving they don't have a clue what they're talking
about.
REALITY: They don't have a
clue.
An example...
TRAINING PHRASE: Our elected officials know what's
best for the country...
WHY: Because...
REALITY: Our elected officials didn't create a $14
TRILLION national debt because they are competent. They haven't expanded our
"constitutional republic" into a socialist democracy because they take their
oaths of office seriously.
Worst of all... these are our
elected officials. We voted them into office. Why? Could it be because we have
bought into the "training phrase:" "if we don't vote for a Republican or
Democrat we are wasting our vote?"
Have you noticed that the
difference between a Republican and a Democrat pretty much doesn't exist any
more?
If our elected officials really
know what's best for the country - why aren't we freer and richer today than we
were 10, 20, 30 years ago? How come the stock market is about where it was in
1999? How come unemployment is over 16%? How come prices keep going up and
wages keep going down? How come we now have mandatory health insurance which
will probably bankrupt all of us?
Does this sound like a country run
by competent people?
Understanding truth and lies...
How do you know when a
politician is lying? They're breathing.
Here are some facts about truth
and lies from the book THE RAPE OF THE APE by Allen Sherman that you'll
find interesting:
I.
Credibility:
All Lies are designed to seem true. The expert liar
carefully uses elements that seem probable and logical and are therefore easy
to believe. On the other hand, The Truth is often illogical, wildly improbable
and hard to explain. Lies are more believable than the
truth.
II.
Reliability:
The Truth is spontaneous, accidental, and
unpredictable. Lies, however, can be planned in detail long in advance and are
thus guaranteed to turn out as predicted.
Lies are more dependable
than The Truth.
III.
Economy:
To be The Truth, an account of a given event must be
completely accurate. This requires painstaking resourcefulness, expensive
research, time-consuming attention to detail, complex logistics and
thoroughness. In spite of all that, some people will believe it and others will
not. A Lie will produce identical results without all the fuss and
bother.
Lies are simpler than
Truth: Lies cost less than Truth in time, money, and
effort.
IV. Value:
The Truth can be found anywhere; it belongs to anybody who finds it, absolutely
free. Lies are custom-made, often by experts, and the best ones are highly
polished works of art.
Lies are worth more money
than Truth. Have you ever heard of anyone bribing a witness to tell The
Truth?
V. Respectability:
A. Great fortunes have been made by selling Lies to the public.
The people who sell these Lies are often grateful to the gullible customers, so
they endow libraries and universities and cultural centers.
B.
Nobody ever made a fortune selling The Truth. First of all, as already stated,
The Truth is free. The only people who will pay money for The Truth are people
who are being blackmailed--and they are only buying The Truth so they can hide
it before anybody else sees it.
Lies lead to libraries and
universities, while The Truth leads to blackmail.
VI.
Stability:
A. Take a thousand parts Truth, add one part Lie.
Result: a lie.
B. Take one thousandth part lie, add one part
Truth. Result: again a Lie.
C. Note that you can make a Lie out
of Truth, but you cant make The Truth out of a Lie.
Lies are
stronger and last longer than The Truth.
VII. Imagination:
In reporting The Truth, a person must research the precise facts and stick to
them exactly as they occurred. The liar can report the same incident without
doing any research, merely saying whatever comes to mind and filling in details
according to his fancy.
Lies are more creative than The
Truth.
VIII.
Recognizability: People are accustomed to hearing Lies all the
time.
If you tell The Truth, people will think you are lying. If you
convince them you are telling The Truth, they will become suspicious. Why is he
suddenly telling The Truth? What is going on?
IX. Supply and
Demand:
A. In describing any given incident, only one
version can possibly be The Truth, whereas the number of Lies possible is
unlimited. Obviously, Lies are in far greater supply than The Truth.
B. There is a great demand for Lies, if they are flattering, if
they build up ones hopes, if they help one escape reality or if they
promise health wealth, power or potency. Nobody is very anxious to hear The
Truth. The only people who demand The Truth are those who are investigating
something (lawyers, etc.)--and they only want The Truth to prove someone is
lying.
Lies are the acceptable medium of exchange in our society. They
are in good supply and the demand for them remains strong. The Truth is in
extremely short supply, but even this tiny supply far exceeds the demand. Thus,
in our society, Truth occupies a position identical to that of dinosaur
shit.
Conclusions:
Lies are superior to Truth in numerous
ways. Lies are more ingenious; Lies make the world seem more pleasant;
Lies are less embarrassing than Truth; and less frightening.
Furthermore, in such fields are diplomacy, statesmanship, merchandising,
advertising, public relations and bookkeeping, The Truth is an out-and-out
handicap.
The Truth is that The Truth has become old-fashioned.
 |
This may explain why the
truth is so hard to come by today.
Lying is just
easier. |
But this is the type of lying we
hear on the news, from politicians, and tell each other. It doesn't really have
to stand up to scrutiny. If the perpetrators are found out, they just say:
oops! And go on.
Legal lies...
Make the lie big,
make it simple, keep saying it, and eventually they will believe it
Adolf Hitler
These are the lies that have
destroyed a nation.
They're only purpose is greed,
power, and control.
They are lies masquerading as
laws.
Laws intentionally written to
confuse, befuddle, and defraud.
When read they appear to say one
thing - but mean another.
They're written so you'll hang
yourself. This gives their authors the illusion of authority.
You can always tell when you're
dealing with such a law - its long - confusing - unintelligible.
Consider
this...
In 1776 a group of gentlemen got
together and wrote a document declaring our independence from England. It only
took one handwritten page, including signatures.
In 1787 a group of gentlemen got
together and wrote the Constitution of the United States, which created an
entire country, including signatures, it only took four handwritten
pages.
The Bible requires only 1281 pages
to tell you how to live your life.
Yet, the Congress of the United
States, that bastion of honesty and integrity, has taken almost 17,000 pages to
tell us we are "required" to pay taxes on our income - and how much. Think they
might be trying to hide something?
Here's an example of a Legal Lie
in action...
Title 26, Subtitle A - Income
Taxes, Chapter 1 - Normal Taxes and Surtaxes, Subchapter A - Determination of
Tax Liability, Part 1 - Tax on individuals, §1. Tax imposed, "There is
hereby imposed on the taxable income of -"
Subtitle A says its about "Income
Taxes" but Chapter 1 talks about "Normal Taxes." Which is it?
Then you get down to the "Tax
imposed" and its imposed on the "taxable income." Isn't it suppose to be
imposed on "income?" Also, if there is "taxable income" there must also be
"non-taxable income." Otherwise, why not just use the term "income?"
And what is "income?" Not
surprisingly, the term "income" is not defined within the Internal Revenue
Code. Strangely enough, the term "income" has been defined by the Supreme Court
and I'll bet a dollar against a doughnut hole that you don't have any.
"conveying rather
the idea of gain or increase arising from corporate activities."
So, if you can't determine if
you've got "income," how ya gona determine if you've got "taxable income?"
Here's something else rather
interesting. The only people who owe a tax are "taxpayers." Which must mean
that if you're not a "taxpayer" you don't owe any tax. How do you determine if
you're a "taxpayer" or not?
You're probably saying to
yourself: this is all well and good. But, if its true, how come people get
thrown in jail and everything they own taken from them by the IRS?
Fair
questions...
The most despicable part of the
Legal Lie is its ability to get you to voluntarily participate without your
knowledge. And, when you don't know how you volunteered, you don't know to
un-volunteer.
That's where our report comes to
the rescue. It explains how you volunteered and how to un-volunteer.
Why you should
care...
Consider how much our politicians
owe - of your money. They will admit to owing around $14 Trillion on the
National Debt. What they don't talk about much is the other unfunded
liabilities they owe. Medicare Part A: $36 Trillion, Medicare Part B: $37
Trillion, Bush's Prescription Drug Program: $16.9 Trillion, Social Security:
$17.5 Trillion. But, worst of all is Medicaid: $86 Trillion.
Add it all up and the Feds are now
in hock for at least $207.4 Trillion of your dollars.
They're predicting Trillion Dollar
plus deficits for the foreseeable future, add in the cost of Obama's new
"mandatory health insurance program" and something has to give. I don't expect
them to stop spending so the only alternative is to raise taxes - big time. And
start confiscating peoples assets - like 401K's, IRA's, etc. Something they've
already started via the FDIC.
I have also heard that part of
Obama's "mandatory health insurance program" gives the
government direct access to your bank account for funds transfers. Kind
of scary.
That's part of why you should
care.
Here's some more food for
thought...
More Legal lies...
Ever wonder where the banks get
all the money they lend? More than likely, you have been taught that they lend
their money and depositor's money. Is this true or is this just another
"Training Phrase?"
Consider
this...
Numbers on the following table are
a few years old; but, representative.
|
Outstanding Debt vs. Money
Supply... |
| U.S. Government Debt (admitted): |
$9.171 Trillion |
| Investment Debt (estimated): |
$315 Trillion |
| Total Household debt not including
mortgages is approximately: |
$4.72 Trillion |
| Mortgage debt equals: |
$13.033 Trillion |
| Total Estimated U.S. Debt: |
$341.92 Trillion
|
| Total Bank Deposits equal: |
$6.492 Trillion |
| Total U.S. currency in circulation (New
York Fed): |
$820 Billion |
|
NOTE: Since this
table was originally published the National Debt has grown to $12.779 Trillions
and the currency in circulation has grown to $1.124 Trillion. |
Now, riddle me this: How can
bankers have $6.492 TRILLION in deposits when there is only $820 BILLION in
currency, of which, 70% is offshore?
Better yet, how can the bankers
lend out a total $341.92 TRILLION when they admit to having only $6.492
TRILLION on deposit?
Where does all this extra "money"
come from?
And the above was before the
bailout. Where did the bailout money come from?
Bailout/Stimulus Money...
So far, the government and/or
Federal Reserve Bank have spent about $3 Trillion on
bailouts.
Of that $3 TRILLION, $2.999,926
TRILLION has gone to bailout banks or corporations.
A grand total of $73.5
Billion has gone to We The People, or, about 0.002%.
Where did this money come
from?
Another curious question - why is
bailing out banks and corporations more important than bailing out "We The
People?" More "Training Phrases?"
If "our" government wanted to
stimulate the "consumer" economy, why didn't it pay off our credit card debt so
we could start consuming again?
Our Masters'
dirty little secret
Fractional Reserve Lending... the
dirty little secret kept by government and bankers. Their not so polite way of
screwing us through inflation with fiat money.
Here's an example of how it works.
The bank has $10 on deposit. Based on a 10% reserve, the bank is then able to
lend 10 times its reserve, or $100.
Where does the bank get this
$100? That's the really great part of being a banker. They create this $100 out
of thin air. And they do it by following the "accepted" rules of
accounting.
They take your loan application or
credit card application and deposit it on their balance sheet as an asset.
Then, to make their balance sheet balance, they have to create an offsetting
debit. They do this with a few key strokes on their computer.
Wah la, an additional $100 is
created that the bank can now lend you.
All according to the "accepted"
rules of accounting and with the appearance of
being legal.
So - what's a Circus Elephant to do?
According to our trainers - we
have several choices:
- If you CAN afford to pay the
debt - go ahead - sell your labor to support greedy bankers and their puppet
government - instead of your family.
- If you CAN'T afford to pay the
debt off - you can do nothing - just sit around with your head up your butt and
wait for the government to come to your rescue... fat
chance.
- Use debt
consolidation/settlement and help the banks stay in business... see "1."
above.
- File for
bankruptcy...
Let's look at each of these
options individually.
Pay it
off...
This is self explanatory - its
what the good little elephant does - the Circus Elephant with money
program.
Doing
nothing...
This is what the majority of
debtors do - the Circus Elephant without money program...
This is what one of our members -
we'll call her Millie - did.
She started getting collection
letters. First from the bank. Then from a collection agency. Then from an
attorney. She simply ignored them.
Then she got a summons and
complaint - she didn't know what to do - she was afraid to go to court - so she
did nothing.
A few months later she got a
notice that the bank had been granted a default judgment. She didn't know what
it meant, so she ignored it.
According to a 2006 Boston Globe
article 80% of all collection suits end in a default judgment against the
debtor.
Why?
Just like Millie, they never even
shows up for court - they make absolutely no attempt to defend themselves.
They're afraid, just like Millie.
These bottom feeding collection
attorneys win 8 out of every 10 suits they file - uncontested - because the
cardholder is afraid and doesn't know what to do.
But that's not the end of the
horror. Once the bank has the default judgment, the courts will help them steal
everything you own.
A few months later Millie got a
Notice of Garnishment in the mail. Again, not knowing what it was - she ignored
it.
She got paid. Deposited her
paycheck in her checking account and wrote a check for her rent. It bounced.
Seems that notice of garnishment was to garnish all the funds in her checking
account. They wiped her out.
Now, not only does she owe the
credit card bank, she also owes her own bank several hundreds of dollars for
bounced check fees, over balance fees, etc. And, her rent is still not
paid.
And, it can get even worse. They
can levy/sell your cars.
They can garnish your
wages.
And you say - I'm unemployed. What
can they do to me?
Well, what happens when you go
back to work? If you can.
In most states, there's no time
limit on collecting a court judgment.
What happens if no company will
hire you because you have a judgment against you? They don't want to put up
with the expense and hassle of a garnishment? You're now
unemployable.
Nothing good happens when you do
nothing.
The sad thing is, it just doesn't
have to be this way.
Debt
consolidation/settlement...
This is the second most used
method of dealing with unsecured debt - the Circus Elephant with a little money
program.
It seems easy and fair. And, it
can be - for the banks and consolidation and/or settlement
companies.
I got an email several years ago
from "Joe" telling me his story with a debt consolidation company.
He and his wife had gotten
themselves a little too far in debt. For a time they were able to handle it.
Then, the banks started to raise the interest rates, the minimum payments, the
late fees, the over balance fees, and suddenly they were so far behind they
couldn't see any way out. Not knowing what else to do they checked the yellow
pages and went and visited a debt consolidation company.
According to Joe, this was the
dumbest thing he has ever done. The company told them they would negotiate a
payment equal to 25% of what they were currently having to pay. If they would
keep current on this new payment arrangement for three years, they would be
finished - out of debt.
Joe and his wife did it. They
successfully made all the payments, on time, for three years.
They thought their debt problems
were over.
A few months after finishing this
program they started to get dun notices from the banks. The banks now said they
owed more than they did before they started their debt consolidation
program.
Seems that what the company
negotiated was a temporary cease and desist for three years based on a new
minimum payment. If Joe and his wife made their new reduced payments on time,
the banks would not attempt collection. However, the interest and over limit
fees and all other fees would continue to accumulate.
After paying religiously for three
years Joe and his wife were suddenly worse off than before they
began.
This is why
consolidation/settlement companies are now banned in several states. I've heard
that several banks (CitiBank, Capital One, and Discover) won't agree to any
third party settlement offer.
Even if the company is on the up
and up - you still have to consider the cost. You settle for 50%. The
settlement company takes an additional 15% - you're now paying 65% of what you
owe. Then, you'll end up owing income taxes on the 50% that was forgiven. You
may end up paying more than you currently owe. Not a great deal.
Don't let this happen to
you.
Bankruptcy...
This is probably the third most
used method of debt elimination - and growing. The banks love it. They should -
they designed it. Its the easiest and cheapest way for them to get a court
order forcing you pay - a debt you really don't owe.
Its also one of the dumbest things
you can do.
When you file for bankruptcy you
are paying - with your own money ($2000 - $5000) - to have all your creditors
sue you at one time. See why the banks love it?
At least when the banks sue you -
they have to pay the filing fees and attorney fees up front and then actually
prove you owe them money - which they can't. When you file for bankruptcy they
just sit back - with no expense - and let the bankruptcy judge tell you what to
do and how your property will be divided up.
And, since October 2005, the judge
will decide which type of bankruptcy you qualify for - Chapter 7 or
13.
If you don't have a lot of assets,
you don't make a lot of money, don't have anything of value to lose - you may
qualify for Chapter 7.
What is Chapter 7:
Chapter 7 bankruptcy, sometimes called a
straight bankruptcy is a liquidation proceeding. The debtor turns over all
non-exempt property to the bankruptcy trustee who then converts it to cash for
distribution to the creditors. The debtor receives a discharge of all
dischargeable debts usually within four months. In the vast majority of cases
the debtor has no assets that he would lose so Chapter 7 will give that person
a relatively quick "fresh start".
One of the main purposes of Bankruptcy
Law is to give a person, who is hopelessly burdened with debt, a fresh start by
wiping out his or her debts.
But, if the judge decides you have
to go with a Chapter 13 - that's where you go.
What is Chapter 13:
Chapter 13 Bankruptcy is also known as a
reorganization bankruptcy. Chapter 13 bankruptcy is filed by individuals who
want to pay off their debts over a period of three to five years. This type of
bankruptcy appeals to individuals who have non-exempt property that they want
to keep. It is also only an option for individuals who have predictable income
and whose income is sufficient to pay their reasonable expenses with some
amount left over to pay off their debts.
One thing you must consider - will
anything change in the next 3 to 5 years? Is there a chance you might be laid
off? Fired? Have your income reduced in any way?
If any of these things can happen,
make sure you know the repercussions of failing to meet your payment
obligations to the court. Generally, you lose your bankruptcy filing, all your
debts become due immediately and you could become liable for income taxes on
the unpaid balances. You now owe the IRS as well as the banks.
Then there's the time limit.
You're only allowed to file for bankruptcy once every 7 years. If you've filed
anytime during the past 7 years, you can't do it now. And, if you file now, and
need it again later, because things have gotten worse, you're just out of luck
- now your at the mercy of the banks and their collection attorneys.
A novel idea...
Instead of doing what you've been
trained to do... Instead of doing what's best for the bankers... Instead of
doing what's best for the government... Instead of doing what's best for the
attorneys... WHY NOT DO WHAT'S BEST FOR YOU?
Why not Exercise Your God Given - Constitutionally Guaranteed -
RIGHTS?
Repaying bank
debt...
Here's something you've probably
never considered. Equal protection under the law. Which, put simply, if the
bank can do it, so can you. This is not some wild conspiracy idea, its written
in the law - its written in the Constitution. (You'll be surprised how words
you think mean one thing actually mean something entirely different once
government attorneys get done playing with them.)
We have another rule: value for
value. If I work for you for six hours, the law says I deserve six hours of
pay. Whatever the bank lends you, you have an obligation to repay the bank - in
kind. Fair is fair.
We teach you how to exercise your
Constitutional Rights.
Outstanding
credit card debt...
According to the most recent
figures I've seen, We Debtors owe around $2.5 TRILLION in credit card
debt. That works out to about $8,000 for every man, woman, and
child.
Pretty much all of this "money"
was created out of thin air.
The bankers create money out of
thin air and expect you to repay it with your labor. Definitely not "value for
value." We teach you how to repay (discharge) all this alleged debt - in kind.
Fair is fair.
Is standing up
for your "rights" smart...
Probably the first question on
your mind is: Wouldn't trying to deal with the banks, the collection attorneys,
and the courts be stupid? After all, I'm not an attorney. I don't know how to
do any of this.
My answer to this question is
simple. Doing it yourself is the smartest thing you can do. But, I'm biased. I
have some valuable information to sell you - some freedoms I'd like to preserve
- so what would you expect me to say?
My recommendation is: "Don't take
my word for it, ask an attorney."
So, why don't we see what a former
Congressman and licensed attorney has to say about Do-It-Yourself?
The Truth About
DIY
In America, we have one of the best legal
systems in the world. Yet, if you're like most people, you're overwhelmed and
intimidated by that system.
You may have been indoctrinated to
believe that theres no way you can deal with the complexities of this
system by yourself, so you dont even try. You feel helpless and
you resent the fact that you have to hire a high-priced lawyer
every time you need to sign a simple piece of paper.
Well, I dont think that get a
lawyer story is really true in every case.
You dont have to have a law degree
to handle most legal procedures. In fact, most of the legal stuff filling
countless file cabinets and computer disks in any lawyers office reflects
work done and decisions made not by the lawyer, but by the lawyers
secretary, an office paralegal, or even a bright young student
intern.
The vast majority of an attorneys
law practice consists of routine paperwork that any reasonably bright person
can master in a short time. Computers loaded with specialized legal software
programs now spit out hundreds of standard forms - wills, contracts, and
premarital agreements, for example - into which the variables of each
clients name and relevant facts are inserted at appropriate places by a
clerk.
You can do the same thing for yourself
with a few inexpensive forms you can download from the Internet and you can
research most legal issues using Google.
Mind you, Im not saying you never
need a lawyer, but I am saying, when faced with a legal matter that affects
you, it is not at all foolish to find out whether you may be able to do
it yourself.
Yours Truly, Bob Bauman
What do others
say...
| Credit
Cards... |
|
I followed everything you taught me over
the last four years to the letter. Finally I requested so much info.
(interrogatories, document requests, admissions) that Plaintiff asked for more
time and an adjournment today. Problem for them was, this trial date was marked
'Final'. If they went to trial without presenting the documents I asked for, it
would be a 'denial of due process violation' (they already defaulted anyway).
They were boxed in and the judge, angry at the Plaintiff, awarded me a
'Dismissal with Prejudice'.
I can never be sued for this card again.
I'm free and clear of all my debt now, thanks to your program. This program saw
me through five lawsuits. I can't even begin to tell you how much this has
changed my life. I've learned so much here, and feel safer with my finances
now. I was crying upon leaving the court room. My wife gave me a huge hug. I'm
telling everyone I know about your website.
Now I just have to deal with those Credit
Reporting Bureaus (Experian etc.).
The judge actually gave me a signed and
stamped order to send to Experian.
editor 03/12/09 |
What do people who have tried
Do-It-Yourself think?
Base on feed back from our
members, 80% of all collection suits that are contested are settled.
By settled we mean that the bank
agrees to drop their complaint if the cardholder will drop their complaint. All
alleged debts are forgiven and no one owes anyone any money. And, the bank or
collection agency or whatever, are forbidden to sue on the account in the
future. Its history. And, it has to be removed from your credit
report.
Generally, this happens with as
few as 1 to 3 visits to court.
Time and money well spent. You
just have to be willing to learn some basic rules and be willing to suck it up
and appear in court. Something our members say "isn't as bad as they thought it
would be."
The real benefit? It costs the
banks and their attorneys money they don't get back. And, in the end, the bank
is forced to write-off the alleged debt. The value of our money is
preserved.
Its the American Way.
| Mortgages... |
|
How's this; the same guy that was with
Milktoast years ago won his foreclosure case against Charterone Bank three
weeks ago. We're talking $33,000 bucks. He used what he learned from Milktoast
and crushed all who opposed. The last hurdle was the bank not removing the lien
on the property and informing the credit bureau....... they sent him
notification that the debt is paid in full and any and all liens will be
removed/ credit bureau notified immediately. This worked out sweetly with no
complications. He simply remembered all that he learned and fought back. They
came at him twice and left with their tails between their *!!#+'s like they
should. Thank you so much Jim. I convinced him to re up his membership to share
with us his experience and wisdom.
stomper12000 September 2, 2009
|
A
Bonus...
We specialize in debt elimination.
We teach you specifically how to deal with banks, collection agencies,
collection attorneys, and defend yourself in a collection law suit. However,
most of what you learn is transferable. Once you learn how to handle a
collection law suit, you can handle most any type of law suit.
Are you tired
of being a trained pachyderm?
|
Are you
ready to break the chains of slavery?
All you have to do is learn
a few secrets of the trade.
Secrets the bankers don't
want you to know...
And secrets the banker's
attorneys will lie, cheat, and scam to keep from you.
We'll teach you how the
system really works - not how you think it works - how it really works.
How to deal with the bankers
from a position of strength - stand toe to toe and nose to nose with the
bankers if they refuse to play by the rules.
How to deal with attorneys -
and defeat them.
How to eliminate your credit
card debt - legally, ethically, morally! |
|
Abraham
Lincoln
President of the
United States
In 1834, he won an
election to the state legislature. He was labeled a Whig, but ran a bipartisan
campaign. He then decided to become a lawyer, and began teaching himself law by
reading Commentaries on the Laws of England. Admitted to the bar in 1837, he
moved to Springfield, Illinois, that April, and began to practice law with John
T. Stuart, Mary Todd's cousin, who let Lincoln have the run of his law library
while studying to be a lawyer. With a reputation as a formidable adversary
during cross-examinations and closing arguments, Lincoln became an able and
successful lawyer. In 1841, Lincoln entered law practice with William Herndon,
whom Lincoln thought "a studious young man". |
|
|
If you're tired of being
lied, cheated, and scammed by credit card banks, collection agencies, and
attorneys...
Become a
Member! |
What we teach...
If you're looking for a miracle...
We have one -
Knowledge.
We'll show you a simple, easy way
to "discharge" your crushing debt
load. A way that is not only legal, ethical, and moral but will also give you
that wonderful feeling of personal satisfaction... that feeling of personal
achievement... that feeling you've accomplished something great...
That wonderful feeling of
financial freedom.
You'll learn pretty much
everything you'll need to create your own financial independence. A simple
Step-By-Step process that's valid in all 50 states.
1.
How the banking system REALLY works
Not how the government and
bankers want you to believe it works; but, how it actually works and why you're
being cheated by it everyday. Backed up by state and federal
law.
2.
How to deal with the banks
What notices and
documents to send them to legally discharge your alleged debt -
with templates. What to do when they call. How to respond when they write.
Everything you need to hold your own - and win.
3.
How to deal with collection agencies
What notices to send them
to legally discharge your alleged debt - with templates - so you no
longer owe the bank anything. What to do when they call. What to do
when they write. How to use the Fair Debt Collections Practices Act to your
benefit.
4.
How to stop telephone harassment
If you don't follow the
law, collection agencies ignore you. If you follow the law and they ignore you
- you have grounds to sue.
5.
How to deal with collection attorneys
What notices to send them
- with templates - so you no longer owe on any alleged debt. What
to do if they call. What to do if they write.
6.
How to defend a collection law suit
How to respond - with
sample documents. When to respond. Step by step instructions on what to do -
how to do it. All the sample documents you'll need to defend yourself:
Answer, motions, discovery, everything.
7.
How to eliminate any future tax liability
We show you how to turn
the tables on the banks. The IRS requires banks to send you a 1099-C when they
write off an uncollected debt. This makes the unpaid balance taxable income to
you. This can create a very large tax debt that you now owe the IRS - not the
bank. Now, not only do you owe the bank (or the company they sold your account
to) you also owe the IRS. This is the bank's "gotcha." We show you how to
eliminate this problem and actually reduce your tax liability instead of
increasing it.
8.
Support
All the support you'll
need via our support forum. Question about instructions, form, process, any
"what to do." If it hasn't already been answered, we'll answer
it.
Our goal is to make your
Do-It-Yourself Financial Bailout as easy and pain free as
possible.
9.
Lagniappe
Learn how the legal
system works - how to defend and prosecute a law suit - save thousands of
dollars in future legal fees. No longer will you have to worry about being sued
- you'll know what to do and how to do it.
Everyone associated with our
service has been where you're at. We know what you're going through. We know
the frustration you're feeling... We know the fear griping your stomach - not
knowing what to do - or how to do it...
More importantly, we know how to
get you through it - so you'll come out the other side with dignity and money
in your pockets. We know what you need to do...
We'll do everything we can to help
you. Your success is our goal...
Our program is an easy and simple
- Step-By-Step process - it doesn't take a genius to use it. You just need the
ability to read and follow instructions. Most importantly, you just need the
desire to do it.
The biggest obstacle you'll face
- is deciding to act...
Most importantly - our information
is NOT based on theory or wishful thinking. It IS based on the
law, the facts, and court cases. It works. How and why it works is described
below...
Yea - but it sounds complicated and time
consuming...
Its not... we've done all the hard
work for you. We've already created all the documents you'll need. You just
have to fill in your personal information. Completing the documents for
eliminating your first credit card should take no longer than thirty minutes.
The next one will take even less time. We've left nothing to chance.
The hardest part of the process is
reading the instructions and following them.
Of course, if you have any
questions or problems you can just visit our support forum. Everything has been
made easy and simple - just for you.
Okay - but does it work...
This is a letter that one sweet,
beautiful, middle aged babe got - because she used the same information that is
available to you.
I've redacted the personal
information to protect the innocent.
And more proof...
She's even been written up in a
"how-to-book" by and for debt collection attorneys. Click
here.
In fact...
This is where our competition and
collection attorneys come to find out what really works!
The choice is yours...
~ The Debtor Way:
If you're having trouble paying
your credit card bills, you have to do something. To do nothing puts you at the
mercy of the banks and their collection thugs.
If you do nothing other than make
the minimum monthly payments - which is what the banks want - this is what you
have to look forward to:
| The numbers
don't lie... |
|
Credit Card Debt |
Money paid back (includes principal
& interest) |
How long it will take |
| $10,000 |
$26,276.59 |
42 years 9 months |
| $15,000 |
$55,370.41 |
48 years 11 months |
| $20,000 |
$74,464.22 |
53 years 3 months |
| $25,000 |
$93,557.98 |
57 years 4 months |
| $30,000 |
$112,651.77 |
60 years 2 months |
| $35,000 |
$131,745.58 |
61 years 8 months |
| $40,000 |
$150,839.39 |
63 years 9 months |
|
Number of years to pay off
credit card balance based on 19% interest and a minimum monthly payment of 2.1%
of the outstanding balance. Most cards require a minimum monthly payment
between 2.0% and 2.4% of the outstanding balance. Source:
CNNMoney.com |
If you do nothing, not even make
the minimum monthly payment, the banks will harass you for money. At home and
at work.
If you do nothing the banks will
then sell your account to a collection agency.
If you do nothing the collection
agency will harass you morning, noon, and night. At home and at work. They may
even get you fired.
If you do nothing the collection
agency or bank will file a collection suit against you.
If you do nothing the court will
find in favor of the collection agency/bank.
If you do nothing the collection
agency or bank will garnish your wages for the amount of the debt and interest,
plus attorney's fees.
If you do nothing your employer
may fire you. Not because of the garnishment, but for reasons completely
unrelated...
If you do nothing the bank may
lien your real estate and other property and sell it to cover your
judgement.
If you do nothing the banks and
their minions are in control and you are at their mercy.
Its best to take action prior to
the bank suing you. It is absolutely mandatory to take action once you receive
a summons. Generally, you have between 14 and 30 days after a summons is issued
to respond. After that, well...
If you do nothing, you
loose!
|
If you
do nothing... |
|
I've owned credit card of providian bank
$10.000 since 1996 and I didn't pay for them until now but they sent my account
to dept collection and they sent to me a judgement order to take money from my
payroll, my dept now they increased to $29.000 they take out money from my pay
check so what can I do to stop that, please let me know what I will do now,
thanks
05/22/04 |
|
THANK
YOU!!!!!!!!!!!!! |
|
Jim,
And while I have your attention in a
non-forum atmosphere... THANK YOU!!!!!!!!!!!!!! Your service has been the best
$300.00 we have spent (on something like this) just about ever. Thank You for
your extreme patience. You are very much appreciated.
I am not intending to sound like a
"butter-boy" when I give you praise. My appreciation is very sincere. You and
this forum have been the only steady support that I have had and it would have
been advantageous for me if I had joined back in June when I first came across
your site. I most likely would not have a judgment against me, or at the least
I would have gone down fighting.
OF COURSE YOU MAY USE ANY OF THE DESERVED
PRAISES - FOR ANY PURPOSE THAT YOU NEED TO. THAT IS HOW THOSE INQUIRING MAY
KNOW WHAT OTHERS THINK ABOUT YOU.
Thank You, Melissa |
~ The Smart Money Way:
| The numbers don't lie... |
|
Credit Card Debt |
Money paid back (includes principal
& interest) |
How long it will take |
| $10,000 |
$00.00 |
30 minutes per card |
| $15,000 |
$00.00 |
30 minutes per card |
| $20,000 |
$00.00 |
30 minutes per card |
| $25,000 |
$00.00 |
30 minutes per card |
| $30,000 |
$00.00 |
30 minutes per card |
| $35,000 |
$00.00 |
30 minutes per card |
| $40,000 |
$00.00 |
30 minutes per card |
|
Number of minutes to
eliminate a credit card balance is based on cards still with the original
credit card bank or a collection agency. Accounts already being sued on will
take a little more time to do the paperwork. Source:
Milktoast.info |
Send the proper notices to the
bank.
Send the proper notices to the
collection agency, collection attorneys, and demand your rights.
Do the right thing at the right
time and you win!
What's in it for me...
1. Your credit card debt will
be totally discharged. No more payments!
2. If you get sued you can file
as little as one document and have the case dismissed!
3. If you've already been sued
and lost - you can file as little as one document and have the judgment vacated
and the case dismissed - and get all your money back!
4. Best of all, you'll no
longer qualify as a typical American Debtor (i.e. ball-less
wonder).
Here's what members say about our
information...
|
Yours
has been great! |
|
Hi
I am to the collection segment on 5
credit cards. Discover, Citibank, MBNA , Juniper and Chase Manhattan. I have
been notified by one law firm. All others are still in the collections dept of
the banks. All accounts have been sent notices of default. It has been a very
enlightening and educational process. Thank you so much for your study and
willingness to share your knowledge with others. I had heard about the $3000.00
program but it was entirely out of my reach. Yours has been great!
J.O. |
|
Thank
you so much... |
|
Jim;
Thank you so much for this. So far, I
still haven't received any response from any of the credit card banks that I
sent the documents to in March, but it's good to know that an effective
recourse like this is available should it ever be needed. BTW, I have lurked on
other discussion boards of similar programs and no one provides the support and
detailed assistance that you do. Thanks for all that you do for the members!
CTR58 |
|
If
hadn't been for all your great info... |
|
Jim, my sister and I talked about doing
our own program and being your competition!!! Seriously, if it hadn't been for
all your great info, all the posts over the last year, and doing a lot of our
own research, we wouldn't have a clue as to how to deal with these low life
bottom feeders.
I am currently going thru 2 suits, my
mother is going thru one, and now my sister has another one to deal with. I
think the key is keeping after them just like you suggest. They don't show up
because they know they can't support their case because it is full of lies and
bullshit. And they aren't going to bother with people like us that are Irish
and are pissed off. My advice is to not get discouraged, don't give up, don't
get itimidated, and hang on like a pit bull. When they figure out it's not a
walk in the park, they will be the ones to give in.
Thank you for all the hard work you have
done to help all of us and for all the great letters and motions. Your program
is worth 10 times what we paid for it. (by the way, I had already gotten into
the 3k program before I found you- your info is lots better)
pudgiepupppy |
|
Worked
to get rid of a mountain of debt... |
|
Dear Jim,
I had originally subscribed back in
January, 2003.
HowToGetRidOf.com worked to rid me of a
mountain of cc debt.
But unfortunately the cycle has repeated
itself where I find myself again drowning in a new ocean of CC debt, this time
even worse than before as now I can't even pay my mortgage.
I have ignored the collectors for almost a
year out of share laziness to do anything, but now it's getting more serious
and I must begin my offensive. It's been about 2 years since I last even logged
into www.milktoast.info...
moshiach 7/22/08 |
|
To the
tune of $100,000... |
|
I have been using Jim's information for
going on 3 years. I had 16 Visa / Mastercards including a Discover to the tune
of $100,000.
Only 2 out of the 16 have taken me to
court... Like it says in there somewhere... "don't expect to win in lower
court" (lawyers and judges) are CROOKS!!!!
The first court case I lost because I just
ignored the fact, and never appeared so they got a default judgment. I have
since sent Jim's latest Collection Default and Estoppel to them, and they don't
bother me any more!!!
The second court case, I followed through
with, and went for a Motion to dismiss because the collection atty didn't have
a qualified witness to justify the debt... that was denied... summary judgment
in the Plaintiff's favor. Filed the latest Collection Default and Estoppel to
them, and they removed it from all of my credit reports completely deleted!!!!
This latest latest Collection Default and
Estoppel letter has 1000 times more than platinum, I'm in the process of filing
it with the rest of the cards / collections.
Living on CASH is not so bad... It just
takes a lot of discipline.
Thanks Jim for all of your platinum
information.
mgruber01 December 28, 2007 |
|
I'm
thrilled... |
|
Dear Jim
Just bought your package. I've got to say,
I'm thrilled with your package. The forms make this whole thing a quick and
easy process.
Steve - Ark. |
|
Thought
we wouldn't fight back... |
|
Wednesday September 5, 2007
Jim,
I received good news in the mail today.
Plaintiff filed a voluntary motion to dismiss which has been granted.
This suit must be costing them more than
they're willing to risk. I think plaintiff was appraising its claim and action
toward defendants.
Plaintiff denied all the admissions, but
asked for more time on the requested documents.
In the beginning they probably thought we
wouldn't fight back. More than likely we wouldn't have if we hadn't discovered
your website and signed up for your program.
My wife and I have received a very
rewarding education about the subject matter on your website.
euragge |
|
The
best... |
|
I've subscribed to several DE programs and
I'd have to say this one is the best,
questneverythng |
How do I really know it will work...
|
SUCCESS |
|
I signed up with NewLeaf in 2004. Some of
you may remember this scam.
They disappeared from view shortly after.
I had stopped paying on 12 cards approx $60,000. The demands started to come
through my mailbox.
I joined with Jim in early 2005 and
religiously used his advice and the weapons he gives us.
I left the USA for the UK in July 2005
for family reasons and I'm still here ("I will be back").
As soon as I became a member, I started
fighting back, following Jim's rules. All 12 accounts had been sucked up by
bottom feeders by this time, and I was kept busy.
The bottom line was as follows:
Of the 12 Bottom Feeders 8 gave up after
the first volley, The Verification of Debt letter.
Of the remaining 4, three of them filed
lawsuits but only one of them Served me successfully. The other two missed me
by a few weeks. I was here in the UK.
I check the court records from time to
time and my record still has the 3 filed suits. The one that served me has been
closed. I paid them 2/3 of the debt and satisfied. The other 2, the cases have
been closed.
I checked my credit report recently and
it definitely needs some work especially in the last of the 4 mentioned above.
This is a collection company called
Palisades Collection. I have never received any correspondence from them, they
don't, and will never have my current address, but they post a delinquency on
my CR every month in connection with three previously charged off accounts.
At some point I will have to deal with
them using Jim's prescribed and highly successful methods. Until then, mums the
word.

Freedom 07/30/09 |
$40,000 in
credit card debt gone - with just one set of notices... Not bad for a
novice.
Yea - I know... but I'm really not sure...
I'm...
I understand. Everyone's a little
hesitant when it comes to something new. Fear of the unknown. You're not sure
how Traitor Sam will react. You don't want to risk losing everything... So, let
me ask you this...
What
if...
Everything you've been hearing on
the news about our "improving" economy is just smoke and mirrors? More ""Training Phrases?" Propaganda to make you think
everything is fine and getting better?
Unless you've been in a coma
lately, you know that Traitor Sam is deeply in debt. So far in debt there's no
way he can ever repay what he owes - and we're just talking about the National
Debt here.
What's going to happen when all
these people who have been lending Traitor Sam money, and most of them are
foreigners, wake up and smell the roses - stop smelling the poop - stop lending
him money?
How do you think Traitor Sam will
react? What will he do to stay in power?
Think he may raise taxes? Think we
all may see income taxes as high as 50, 60, 70% - regardless of income level?
What will this do to the
economy?
Think maybe the stock market will
crash?
Companies will go
bankrupt?
Unemployment will go through the
roof?
The dollar will become pretty much
worthless?
Are you prepared? Know how you're
going to react?
Can you live on 30% of you current
earnings?
Can you support yourself if you
get "downsized?"
Will it
happen...
According to the authors of
Aftershock Protect Yourself and Profit in the Next Global Financial
Meltdown, David Wiedemer, PHD; Robert A. Wiedemer, and Cindy Spitzer -
YES!
Should you believe them? Well -
they are one of the very few people who correctly predicted the stock market,
financial market, and real estate crash of 2007-2008, - so you be the
judge.
Have money can
survive...
One thing great about modern life
- if you've got money you can survive. That's why being rich is such a
pleasure.
Problem is - rich today may not be
rich tomorrow.
If you've got lots of money in the
stock market and it crashes - you don't have lots of money.
If you've got lots of money in
government bonds and they default - you don't have lots of money.
Even real estate isn't a lock.
There's a lot of people who bought million dollar homes in 2006 and are now
paying on half-million dollar homes. Instead of being rich they're going
broke.
Folks, the world is changing and
you have to be willing to change with it. I don't have a clue what the new
world will look like. I don't even know what this transition period has in
store for us. But, what I do know - if you don't look out for yourself no one
else will.
The only thing I'm sure about is
how Traitor Sam will react. He will do anything and everything to stay in
power. He will lie, cheat and steal from every last one of us. Constitution or
no Constitution. Laws or no laws. He won't go down without a fight and he
doesn't care who or how many he takes down with him.
My recommendation? If you've got a
job - stick with it. Just don't put all your hopes and dreams in a corporation.
They can look good today and be bankrupt tomorrow. No, keep earning as much as
you can for as long as you can.
I would also suggest you start a
small home based business. As a bonus you will get a free copy of a
report: How To Start a Small Business and Avoid Income Taxes with your
membership. Your correct actions and this report may save your bacon sometime
in the future.
It would also be to your advantage
to stop paying banks money you don't owe them. Instead, take that money and put
it into something that will keep its value - something like gold or silver - or
a small business. Something you can fall back on in the future.
The bankers, with the support of
our "politicians" created this problem. Why would you want to bail them out at
the expense of your family?
One last question...
Everything you say sounds great...
But... what I really want to know.. what's really bothering my... what are my
chances of being sued? I really don't want to go to court. I really don't want
to have to stand up and defend myself. I will if I have to... but... I really
don't want to...
If you do nothing, your chances of
being sued are about 99 in 100. If you use our information, your chances of
being sued are about 1 in 100.
Thinking -
If you think you are
beaten, you are, If you think you dare not, you don't. If
you like to win, but you think you can't, It is almost
certain you won't.
If you think you'll lose, you're lost,
For out in the world we find, Success begins with a fellow's will.
It's all in the state of mind.
If you
think you are outclassed, you are, You've got to
think high to rise, You've got to be sure of
yourself before You can ever win a prize.
Life's battles
don't always go To the stronger or faster man. But soon or late the man
who wins, Is the man WHO THINKS HE CAN.
One last bit of fatherly advice...
"All successful people have a
goal. No one can get anywhere unless he knows where he wants to go and what he
wants to be or do." Norman Vincent Peale
Success Through Goal
Setting By Brian Tracy
Becoming an expert at
goal setting and goal achieving is something that you absolutely must do if you
wish to fulfill your potential as a human being. Goals enable you to do the
work you want to do, to live where you want to live, to be with the people you
enjoy, and to become the kind of person you want to be.
Yet, according to the
best research, less than 3 percent of Americans have written goals, and less
than 1 percent review and rewrite their goals on a regular basis.
Why do so few people set
goals? I think there are five basic reasons.
1. They are simply
not serious.
Whenever I speak with a
man or woman who has achieved something remarkable, I learn that the
achievement occurred after that person decided to "get serious." In other
words, until you become completely determined about your goals, nothing really
happens.
2. They don't
understand the importance of goals.
Young men and women who
begin setting goals very early in life invariably come from families in which
the importance of goals is emphasized.
3. They don't know how
to do it.
One of the greatest
tragedies of our educational system is that you can receive 15 to 18 years of
education and never once receive a single hour of instruction on how to set
goals.
4. Fear of rejection.
The fear of rejection is
caused by destructive criticism in early childhood and is manifested, in
adulthood, in the fear of being criticized by others. Many people hold back on
setting worthwhile goals because they have found that every time they do set a
goal, somebody steps up and tells them that they can't achieve it, or that they
will lose their money or waste their time.
5. Fear of failure --
and this may be the most important reason of all.
People don't set goals
because they are afraid they might fail. In fact, the fear of failure is
probably the greatest single obstacle to success in adult life. It can hold you
back more than any other psychological barrier.
If you can overcome all
of these obstacles and set well-defined goals, it will enable you to channel
your efforts and focus your energy toward something that's important to you.
Goal setting gives you a target to aim at and enables you to develop the
self-discipline to continue working toward your target rather than becoming
distracted and going off in other directions.
Let me share with you
five keys that will help you do that. Each of these keys starts with one of the
letters in the word "goals." Whenever you find yourself getting off the track,
simply repeat the word "goals," and think about how each letter stands for a
key that just might apply to your current situation.
The first letter is G,
and it stands for "Get to it."
Sometimes, the only
difference between a successful person and a failure is that the successful
person has the courage to get started, to do something, to begin moving toward
the accomplishment of a specific goal.
The second letter, O,
stands for "Opportunity."
Successful people do not
wait for opportunities to turn their goals into reality. They make their
opportunities, because they are perfectly clear about the kind of life they
wish to create. Once you have taken the time to decide exactly what you want,
you will experience an endless flow of opportunities that will help move you in
that direction.
The letter A stands
for "Ability."
Many people hesitate to
set high, challenging goals because they lack the ability to turn those goals
into reality. But remember that we all lacked knowledge and experience when we
started out in our careers or fields of expertise. Since you gain the ability
necessary for high achievement through knowledge and experience, if you
increase the speed at which you acquire both of those, you increase the speed
at which you move ahead.
The letter L stands
for "Leadership."
Leadership is simply the
ability to get results. And you begin to get results when you accept full
responsibility for yourself, for your job, and for the outputs required in your
position. You demonstrate leadership when you refuse to make excuses or blame
anyone or anything for the problems you are having. The acceptance of the
responsibility of leadership enables you to move ahead and take action.
The final letter, S,
stands for "Stay with it."
This is the resolution
to persist in the face of adversity until you succeed. Between you and every
goal that you wish to achieve, there is a series of obstacles. The bigger the
goal, the bigger the obstacles. Your decision to be, have, and do something out
of the ordinary entails facing difficulties and challenges that are out of the
ordinary as well. Sometimes, your greatest asset is simply your ability to stay
with it longer than anyone else.
When you look around you,
you will see that all achievement is the triumph of persistence. You will see
men and women everywhere who are struggling with and overcoming adversity in
order to accomplish something that is important to them. And so can you.
G-O-A-L-S. That's what
you have to remember. And "G" is the first thing: "Get to
it!"
Speaking of goals... just how much is all this information
going to cost me...
Cost? Cost is relative. Depending
on value.
Value? Value is relative
also.
What has value to you may not have
value to someone else.
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A 1955 Ford Thunderbird like
the one to the left sold for $1950 new. They now sell for as much as $70,000.
$70,000 for a 55 year old
car may seem a little much to most people. But, to a classic car enthusiast -
it may represent a deal.
Just depends.
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Here's what I can tell you. If you
could find an attorney that is qualified to create a bank notice and sight
draft similar to ours, it would cost you at least $1,500 to $2,500. Chances
are, they wouldn't work as well as ours - they'd just cost more.
If you've already been sued and
need an attorney to represent you, its going to cost you at least $2,500 just
to get started. This will most likely only pay for the "answer" to the
complaint. Any additional documents will be additional.
Worst of all, all attorney fees
must be paid in advance. Which creates two problems. One, by the time your
attorney is through playing legal games with his colleagues, you'll probably
have spent more than you owed the bank. Second, since your attorney is being
paid regardless of out come - she has no motivation to win. Settling is so much
easier.
Unfortunately, the joke about law
suits is all too real. When you hire an attorney to represent you in court it
turns out to be THREE attorneys getting together to decide how to divide up
YOUR money.
Are you ready to...
"Get to it?"
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To exercise Your God
Given... Constitutionally Guaranteed...
- RIGHTS
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To help save the country
you love - to eliminate all your debt - for a measly $297? |
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That's right... A Lifetime
Basic Membership to our website... which includes instructions on what to do
and how to do it - all our documents with instruction on how to use them...
everything you should need to be successful - for only: $297
Access to our Support Forum
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I'm not quite sure - what if I need
help...
We understand. We offer our basic
membership without access to our support forum so people won't have to pay for
something they may not need. However, if you find out you want support - its
available.
Once you're a member - you can get
a months access to the support forum for as little as $150 - when ever you want
- as often as you want. Suggestion - wait until you've read through the website
before you sign up for support. We don't want you to pay for something you may
not need.
Smart Money Tip - Get It
Free: Credit Cards got you into this
mess - let Credit Cards get you out. Put your membership fees on a credit card
you plan to get rid of and let a banker pay for your financial freedom. Poetic
justice.
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To Your
Success,
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P.S.
If fighting the Beast isn't your thing -
try becoming
invisible...

Warranty: We warrant
our information to be true and accurate to the best of our knowledge and
belief. If you find any information on our website that is not true and
accurate we will correct it within 10 days of written notice and proof.

Guarantee: We
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attorney-at-law or your state Bar Association for details.

Hint: Put your membership fees on a
credit card you plan to get rid of and let a banker pay for your financial
freedom.

Final thought...
There is an ancient Chinese proverb: "Knowing and
not doing is the same as not knowing." You have your plan. You know what to do.
Now is the time to act.
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Expert ~
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