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 lie—deliberate, contrived and dishonest—but the myth—persistent, 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.

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...

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...

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...

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 can’t 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 one’s 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.

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:

1. 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.
   
   
2. 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.
   
   
3. Use debt consolidation/settlement and help the banks stay in business... see "1." above.
   
   
4. 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 there’s no way you can deal with the complexities of this system by yourself, so you don’t 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 don’t think that “get a lawyer” story is really true in every case.

You don’t 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 lawyer’s office reflects work done and decisions made not by the lawyer, but by the lawyer’s secretary, an office paralegal, or even a bright young student intern.

The vast majority of an attorney’s 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 client’s 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, I’m 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...

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.

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:

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!

~ The Smart Money Way:

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...

How do I really know it will work...

$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...

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.

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.

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...

	To exercise Your God Given... Constitutionally Guaranteed... - RIGHTS -
To help save the country you love - to eliminate all your debt - for a measly $297?

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.

To Your Success,

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 guarantee results exactly like licensed "attorneys-at-law." Check with a local 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.

Notice: Some ISP's block our response email. Comcast is one example. If you don't get an answer to your question, its not because we didn't try. Its because your ISP has blocked our reply email. You might want to ask your ISP to stop censoring your email.