Lucky 100 Are you looking for a miracle? Are you looking for a simple, easy way to get rid of 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? Our program may be just what you're looking for. But you'll need to hurry. We can only give first class support to a limited number of members at any one time. We are getting close to that limit now. Once we reach that limit we will stop accepting new members until we are confident we can offer them the first class level of support our members expect and deserve.

	save our economy by spending more and more money we don't have? Folks, you know in your heart of hearts, deep down in your gut, what they're doing won't work. It didn't work for the banks we had to bail out, it didn't work for the insurance companies we had to
bail out, and it didn't work for the car companies. Most importantly, it hasn't worked for you - that's why you're visiting this website - you've tried to spend your way to prosperity and it hasn't worked. So, tell me this, how are these three men going to spend money we don't have - on things we don't need - and suddenly make us all prosperous and debt free?

Folks,

Its not very often that peons like you and me get an opportunity to take on the worlds biggest, most powerful, most corrupt and destructive organization in the world - head to head - and win. And, as a bonus, take back our freedoms and our government.

But, today, for a brief moment, we have that opportunity. We have the bankers and the big spending parasites in Washington by the balls. If we act like true blue, patriotic Americans and squeeze with all our might - until they collapse under their own ineptitude - we win.

If we let go, like a bunch of wusses - we're destroyed.

You have a chance - an opportunity - to change your life - to save your country - right now - starting today. All you have to do is start believing the facts - stop believing the lies - and take action...

The choice is yours...

The Risk...

It may sound strange; but, if you accept the challenge and decide to squeeze until the bastards yell uncle - you have nothing to loose and everything to gain.

However, if you choose to be a wuss - you've got everything to loose and nothing to gain.

Here's the proof:

Fractional Reserve Lending...

This is the government and banker's polite way of screwing you through inflation.

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.

If you doubt this is the way our banking system works - explain the following...

Outstanding Debt vs. Money Supply...

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?"

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?

Repaying Bank Debt...

Here's something you've probably never considered. When you repay a bank loan or credit card debt, you're screwing yourself and everyone around you. Based on fractional reserve lending, every dollar you repay to a bank means they can now lend out 10 more and make what little money you have left in your pocket worth less.

Contrary to what you might think, things aren't getting more expensive. Your money is becoming worth less. And when you repay bank debt, you're helping.

The Flip Side...

Fractional reserve lending works both ways. When the bank gets an additional $10 in assets, they can create and lend out an additional $100. But - and here's the important part - when they have to write-off $10 due to non-payment, they have to come up with an additional $10 in assets - from some where - or they have to write-off $100 in loans.

Here's another benefit of forcing banks to write-off loans. When banks create new money by making loans they make our existing money worth less. When banks have to write-off loans due to non-payment - it makes our existing money worth more.

Want to stop bank created inflation? Stop paying the bastards. Make them write-off all their "funny money" loans.

Consider the following...

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. This is why prices keep going up and we seem to be getting poorer.

Now, imagine the bankers having to write-off $2.5 TRILLION in make believe debt.

Imagine how that would increase the value of the money in your pocket.

This is one time when not paying your bills is the right thing to do - for both you and your country.

    So - what's an American debtor to do?

You have several choices:

1. If you CAN afford to pay the debt - you can do so and help the banks and government create the inflation that will destroy you later...
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...
3. Use debt consolidation and help the banks stay in business...
4. File for bankruptcy...
5. Do-it-yourself...

Let's look at each of these options individually.

    Pay it off...

This is self explanatory - its what anti-American Wusses do - the Wusses with money program.

    Doing nothing...

This is what the majority of debtors do - the Wusses 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...

This is the second most used method of dealing with unsecured debt - the Wusses with a little money program.

It seems easy and fair. And, it can be - for the banks and consolidation 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.

Don't let this happen to you.

    Bankruptcy...

This is probably the third most used method of debt elimination. Best of all - it forces the banks to write-off the debt. It helps preserve the value of our "funny money."

Prior to October 2005 this was a simple and straight forward way to get a fresh start.

Now, there are a lot of strings attached.

If you don't have a lot of assets, you don't make a lot of money, if you can qualify for Chapter 7, and you can afford the attorney's fees, this may be your best bet.

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 you have to go with a Chapter 13 bankruptcy, you might want to give it a long, hard thought.

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.

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. The bank's attorneys can come in and take everything you own - and there's nothing you can do about it.

    Do-It-Yourself...

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 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 typical American Debtor?

Being led around by a financial ring in your nose?

Are you ready to learn the fine art of Do-It-Yourself financial self-defense, before its to late?

Are you ready to join the smart money people? 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! If you're tired of being lied, cheated, and scammed by credit card banks, collection agencies, and attorneys... Become a Member!

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".

    What we teach...

We do not teach theory or conspiracy theories. We teach facts. Backed up with proof - third party, expert proof...

We teach pretty much everything you'll need to create your own financial independence.

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.

2.   How to deal with the banks

What notices to send them - with templates. What to do when they call. How to respond when they write. Everything you need to hold your own.

3.   How to deal with collection agencies

What notices to send them - with templates. 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. 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.

7.   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 as easy and pain free as possible.

8.   Lagniappe #1

You'll be taught how to create a valid and legal debt that the bank owes you. If a bank threatens to notify the IRS that they have "discharged" the alleged debt they claim you owe them - you now have a valid - legal debt that you can discharge against the bank and notify the IRS. Not only should the bank now owe additional income taxes - you can use the discharged debt as a tax write-off on your income taxes.

9.   Lagniappe #2

Learn how the legal system works - how to defend and prosecute a legal case - 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...

If you'd rather deal with the banks and the courts - we'll do everything we can to help you. Your success is our goal...

Our program is easy and simple - 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...

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...

    Proof:

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 were 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!

~ You CAN have financial freedom!

    What's in it for you...

1. You no longer have to make credit card 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.

    Here's what members say about our information...

    How do I know it will work...

$40,000 in credit card debt gone - with just one set of notices...

    What should I do next...

Choose:

You can continue paying money you don't owe and go broke.

You can get a debt counseling/negotiation company to help you negotiate a discount on the money you don't owe, and go broke slower.

You can use the information above. Do your own research and create your own documents and save a lot of money but spend a lot of time, and maybe do it all wrong, or...

Become a Member, get access to our proven - time tested information, and be debt free tomorrow...

Help save yourself and your country from financial ruin.

Here's a suggestion on how to go about choosing:

    Is Do-It-Yourself Foolish?

Here's the complete article by Bob Bauman, former Congressman and licensed attorney, that was quoted above...Click Here!

    Do yourself proud: The American Way...

    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. - A great patriot once said:

"There are 3 kinds of people in the world:

• Those that MAKE THINGS HAPPEN...
• Those that WATCH Things Happen... and
• Those that SAY "What Happened?"

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.

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.