Out Of Debt In Two Letters

2009-04-27T16:50:00.000-07:00

Would you like to know what the credit card companies never want you to know? For free and have support during the whole process, well then read on and find out.

I am going to tell you a little about where I am coming from before I get into the meat and potatoes. Every now and then trouble hits home and it hits hard. One of those times hit me at the wrong moment. Then, life was good, which for many I am sure times were better before now. I had a business that was making me 6 figures plus a year, my wife and two kids had what they wanted. Then the company I “worked” for pulled the plug and changed everything in the circulation dept. where my business came from. Immediately I went from a 6 figure income down to nothing. I had a large home and nice new vehicles. Long story short, my vehicles were repossessed and my home was gone.

I ended up working for my in-laws at their restaurant for no money since they could not afford to. My wife and my self worked open to close 7 days a week, for 12 years. We never were paid. I love my family and wanted to help since they needed help.My two kids, my wife, and my self slept on the floor of the restaurant upstairs for almost two years. During this time I learned about a debt elimination company through a friend.

My credit cards were all way out of hand since I could not pay for them when I lost my position and my business. A grand total of $60,000 between my cars owed and my cards.What I am about to show you is exactly what I did that eliminated all of it.I got a position with the debt elimination company and began studying the federal laws,

Constitution, and past laws from the early 1900’s. Why so far back? Well in the early thirties is when our nations’ problems started financially. At one time the US currency was backed by gold. It hasn’t been for decades. By definition of the constitution money is only gold, or silver. Credit, notes, I owe you’s, etc. do not count as money legally in the US. In 1933 a law was passed called HJR 192. It was dropped in 70’s and reinstated in the 80’s .It states that there is no income in the hands of the public since there was no “money” in circulation by definition of the constitution.

It also stated that since there was no income the only way for a person to be able to pay off a debt owed was the debtor must clear the debt of the debtee by the debtee accepting for value the amount owed, and the debtor must clear the debt owed on their ledger. This law is still in affect to this day. In fact the only reason the federal reserve notes came into existence was for inter banking transactions…( I owe you’s ). The public got a hold of these notes and began using them. In 1939 the government had a recall on the notes, but the Federal Reserve had nothing to do with that, printing went on. Fractional banking systems are in effect at every bank, credit union, and financial institution, including credit card companies.

This fractional reserve banking system is this. It allows the banks to be able to lend 10 times more “money” than they even have. Basically making money out of thin air. Literally monetizing your signature and moving numbers from one ledger to another and charging huge interest on top of it. They make up the money, write it off on the taxes the first quarter it was “loaned” and keep making the “money” every month from you and I. They can not ever PROVE where the money came from or even that you were lent money because it never existed. In fact the application for a credit card is just that. An application.

The terms in the contract are mailed to you later. Where on that did you sign?
You didn’t, no one does, but they keep stating that we are in a “contract”. What about when you get a letter that terms, or interest rates went up? Did you sign a paper stating they could do that and did you sign the “new” contract with the newly added terms and rates? I don’t think so. Are you starting to see what is going on? Some may say, well it just is not right to not pay the bills and do what you are saying. Hmmmmm, well let me ask you this. Is it fair that that you never signed a contract with them, they keep changing It for their benefit, and are quick in many cases to make it in your contract where your right to due process, a trial by jury ( a constitutional right ) are taken away and takes all your rights away as a consumer, individual, and a CITIZEN of the UNITED STATES.

The name of this wonderful process they have going for you is Arbitration.Get this The National Arbitration Forum is paid by the large credit card companies and also has one of the top executives from JP Morgan and Chase working at the National Arbitration Forum as well. Guess where they send you to arbitration…yup NAF. Now, if the NAF is on payroll and you go up against these guys who do you think is going to win? You or the company paying them? There will not be any judge or jury on your behalf. You are alone.

Moving forward where this all comes into play for us now, this is how it works.
When you get a bill that bill has value. It’s value is stated as the total amount owed. Now what needs to be done is the person who gets the bill does exactly this.

From the time you get my information tell anyone who calls for collections say:

“Take me off your list and submit everything to me in writing.”

Then send them a cease and desist letter. ( I will provide one to you )

1) You write diagonally across the writing on the bill that you accept it for value In very special terminology. ( I will give you a letter that has exactly what to write)

2) Make a copy of the bill and keep the copy. You MUST send the original. The original is what the person you owe stated it is worth.

3) Write a letter of acceptance (which I will give you also) with a $20 US postal money order. The money order is used to solidify the new contract you set up with the creditor or person owed. This happens two ways. In the letter it states that the creditor,or person you owe has 30 days to PROVE you owe the amount on the bill or the account is closed and settled. The other way is that if they cash the $20 money order it binds them into accepting your offer of settlement and closure for $20. This is legally binding through contractual laws.

4) Make a copy of your signed letter.

5) Mail the original bill separate as CERTIFIED mail with a RETURN RECEIPT.

6) Mail the $20 postal money order along with the original letter of acceptance CERTIFIED and RETURN RECEIPT.

7) The correspondence from them will be important. Most likely they will try to scare you saying you owe this debt and on and on. This is a pre fabricated letter.
Everyone gets the same thing. You get them with the next step.

8) You keep the letter they sent you, the date of the letter will be important. You fill out the blanks on the “Big Enchilada” that’s what I call the all in one reverse contract on the company, lawyer, collection agency, etc. and they tuck their tale between their legs and run. No kidding. I have had Lawyers representing the city of Portland, Oregon send me a letter that they made the business decision to not pursue me any longer and close my account. I have had an attorney already with a case filed to sue me and when I submitted the big enchilada to him and one to the court, I never heard from him again, the case was closed. Anyway, fill in all the appropriate blanks and delete what is not relating to your situation. ( ex. If your boss is not the one harassing you delete that line that speaks of it.) Read over your entire paper 2-3 times looking for any error, unfilled spaces, or numbered lines that are out of sequence ( If you delete say line 14….it would go from line 13 to 15. You must make corrections to anything you take out. Keep it looking professional.

9) What you do from this point is nothing. If you eventually get anything in the mail from anyone you send the big enchilada Certified mail with a Return receipt. keep a copy every time you send it.

The statute of limitation only allows by law anyone to pursue a debt by so many years. It is usually six – seven years from the date the account closed. Each state has different time limitations. Once the statute of limitation is met no one can touch you with a ten foot pole. Your credit report will delete the entries at that time as well if you are not proactive in removing them before then.

The law states also that if you are to dispute entries on you credit report, the credit bureau must get an answer back from the creditor within 30 days or it is deleted off your report permanently. I have what you need to say to them to get the process started, the laws, codes you need to refer to, and the times that are crucial to getting them deleted off your credit report.

Always remember to get copies of everything you send back to them. Everything.

If you would like to gain control of you the situation while being empowered just ask me here by leaving your contact info. below. I will of course give you my personal contact info. so you may have my support through the whole process beginning to end.

This is what you will get FREE:

*AFV/RFV
*Big Enchilada
*Cease and dissist letter
*Conditional acceptance letter
*A list of statute of limitations for every state
*A letter to credit bureau to dispute entries
*Dates needed to send credit repair letters
*Addresses to send to the credit bureau

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Money for Now in This Economy

2009-04-26T15:59:00.000-07:00

Mark Victor Hansen and Robert G. Allen's latest way to capitalize on the economy today is written on my website. If you would like to see what they taught me this last week,

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All advise is to be taken at your own risk. It worked for me. I am not an attorney

Out Of Debt In Two Letters

Money for Now in This Economy