|
Dear Reader,
If you have any of the above credit problems.
If you are tired of being harassed by greedy
bankers and their abusive attorneys.
If you would like some help dealing with banks,
collection agencies, and attorneys.
We can teach you how to defend and protect
yourself against these economic thugs.
Its easy and simple - most anyone can do it...
The Choice is
yours:
The bank's 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 15 and 30 days after a summons is issued to
respond. After that, well...
If you do nothing, you loose!
|
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 |
|
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 American 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!
You CAN be debt free!
|
- This great republic, founded on the
concept of inalienable rights and self-government, was never designed for a
population of heel clickers and saluters. It was designed for thinking men and
women who could independently assess situations and form their own independent
judgements about what is good policy and what is bad policy.
Charley
Reese
"What's In A Name?" |
What we
offer...
A simple step by step process
that takes you from being in debt to being debt free - and guides you over all
the bumps and pot holes along the way.
- Send the bank a notice telling them you're
changing the terms of the agreement.
- Send the collection agency a notice telling
them the terms of the agreement were changed and they no longer have anything
to collect.
- 98% of the time - this all you'll have to do.
Your problems end here.
|
"You can conquer almost any fear if you
will make up your mind to do so. For remember, fear doesn't exist anywhere
except in the mind."
Dale Carnegie
1888-1955, Speaker and
Author |
How you
benefit...
Here's 27 ways you benefit from using our
program...
1. Its simple.
You DON'T have to become an expert on
banking, the law, or anything else. Just read the information, follow the
instructions, copy and paste the notices, it's simple.
2. Its easy.
We have already created the notices for
you. You just have to personalize them.
3. Its quick.
Copying and pasting the notices, personalizing
them, it only takes about a half an hour. Got the time?
4. It works.
You really can eliminate credit card debt using
our program. I've done it and so have thousands of other people just like
you.
5. Its legal.
Stop! I know what you're
thinking, "Can this really be legal?"
This is the very first question my wife asked me.
According to her, there was no way you could eliminate credit card debt without
going through bankruptcy or paying it off. It just couldn't be done.
Well, I started reading her court cases, the laws
as written by Congress that regulate banks, the multitude of pamphlets
published by the Federal Reserve Banks, and explaining everything over and
over. Finally, after about six months, she came down to my office and admitted,
very grudgingly I might add, that I was right. It is all legal. It can be
done.
Finally, the world's biggest skeptic,
convinced.
An update: Since I
originally wrote this, Cindy has been sued by two banks and a collection
agency. She won out right against the two banks. The collection agency won in
the lower court but the ruling was overturned on appeal. The program not only
sounds good, it works.
http://howtogetridof.com/reports/ge-money-bank-offer-settlement-09-29-08-and-order.pdf
http://howtogetridof.com/reports/hsbc-agreed-order-dismissing-09-18-07.pdf
Unfortunately, I don't have the time or the space
to go into as much detail with every visitor. But, I also don't want you to
just "take my word" on this. So, to protect you and make my life a little
easier, I'm giving you my unconditional guarantee...
If you can show me anything
unlawful in our process I'll give YOU a...
$100,000
REWARD*
6. Its moral.
Now you're thinking, "Is
this morally and ethically proper?"
This was my wife's second question. So, I'll tell
you the same thing I told her. Not only is it morally and ethically proper, it
is your patriotic duty.
If someone lends you something that belongs to
them, you are under a moral and ethical obligation to repay them. To do
otherwise would be stealing. No if's, and's, or but's.
And, if you are like most people who visit this
website, you honestly and truly believe the banks are lending you money to make
purchases when you use their credit cards.
Well, that just ain't so!
But, don't take my word for it. Read what the
banks say:
"If business is active, the banks with
excess reserves probably will have opportunities to loan the $9,000. Of course,
they do not really pay out loans from the money they receive as deposits. If
they did this, no additional money would be created. What they do when they
make loans is to accept promissory notes in exchange for credits to the
borrowers' transaction accounts."
"Loans are made by crediting the
borrower's deposit account, i.e., by creating additional deposit money."
According to the Federal Reserve Bank of
Chicago in the pamphlet "Modern Money Mechanics.
But wait, ...
"Mr. Morgan admitted that all of the
money or credit which was used as a consideration was created upon their books
that this was standard banking practice exercised by their bank in combination
with the Federal Reserve Bank of Minneapolis, another private Bank, further
that he knew of no United States Statute or Law that gave Plaintiff the
authority to do this." Quoted from the courts decision in First National Bank
of Montgomery v. Jerome Daly, December 9, 1968.
Now I ask you, if someone doesn't lend you
something, and that something they didn't lend you didn't belong to them, are
you still obligated to repay them?
Have I finally got you confused?
It is really very simple. Banks don't lend money;
and, what they do do, is illegal. They create money out of thin air.
7. It gets collection agencies off your
back.
Most people are intimidated by collection
agencies. Once you have had the opportunity to read the information on our
website you'll be chomping at the bit waiting for a collection agency to call
so you can kick some butt.
8. It gets collection attorneys off your
back.
See #7.
9. It puts more money back into your
pockets.
Add up all of your monthly credit card payments.
Would having this money available for living expenses make life a little
easier?
10. It gives you control over your
finances.
If you are like most of us when we were
overwhelmed with credit card debt, we didn't have control of our finances. Our
finances controlled us. We were constantly robbing Peter to pay Paul. We lived
from day to day wondering what would happen next. It doesn't have to be this
way.
11. It lets you stop making those miserable
payments. What more needs to be said?
12. It lets you stop making bankers
rich.
According to "Modern Money Mechanics" above,
banks don't lend their own money, they create it, then they expect you to repay
this free money along with an exorbitant amount of interest. Sound fair to
you?
13. There's no consolidation.
Consolidation is not necessarily all that it is
suppose to be. I have read several articles where people consolidated, made the
payments, then found out the money was not applied to the actual credit card
account.
In other cases the money was applied to credit
cards but the bank only suspended the high interest rates and penalties during
the payment period. Once the payments were completed, the bank wanted the
balance.
In another article I recently read it stated that
only about 2% of the people who start consolidation finish it. The rest stop
making payments for one reason or another and are then just out the money they
have paid the consolidation company. The deal with the bank is off so all
interest, fees, and penalties become retroactive. The bank starts to collect
the debt. Which is now 2 to 3 times larger than when you started.
14. There's no negotiation.
This is not necessarily bad. If you can negotiate
from a position of strength. Which, several of our members have done. They were
willing to pay a few cents on the dollar to guarantee the bank went away on
their terms.
15. There's no refinancing.
See consolidation above.
16. There's no bankruptcy.
If you own a house or want to keep your car, or
something else of value this is not necessarily a good option. I have spoken
with many people that have been forced to sell their house, cars, etc. to
satisfy the banks. The bankruptcy trustee represents the banks; not you. The
judge will follow the trustee; not you.
17. There's no attorney fees.
To me, this is our best advantage. The attorneys
make nothing.
18. There are no limits on the number of cards
you can eliminate.
Many programs limit the number of credit cards or
the total amount of debt, we do neither.
19. You learn how the banking system really
works.
When you have knowledge, you have power. Our
information empowers you.
20. It gives you the knowledge and confidence
to deal with banks, collection agencies, and collection attorneys.
See #19.
21. You know what is going on since you are in
control of the process.
You control everything. Do do what is in your best
interest, not ours.
22. There are very limited additional expense
beyond membership fees.
You will have the cost of notarization and
certified mailing for each card. Maybe an additional $8 per card. Not to
bad?
23. You can't lose with our guarantee.
Use our information, show us you followed our
instructions, if it doesn't work just like we say, we'll give you your money
back.
24. You get lifetime membership.
Speaks for itself.
25. You get lifetime support.
Again, speaks for itself.
26. It is the most affordable information and
process available.
Most information providers are charging thousands
of dollars and limiting the number of cards or the total amount of debt, we do
neither and charge a whole lot less.
27. Your membership can be absolutely
free.
Use your imagination. Charge your membership fees
to a credit card you plan to eliminate and let the bank pay for your
membership. Poetic justice.
|
"The beginning of knowledge is the
discovery of something we do not understand."
Frank Herbert
|
|
"Knowledge will forever govern ignorance:
and a People who mean to be their own governours, must arm themselves with the
power which knowledge gives."
James Madison to W.T. Barry, August 4,
1822. |
How it
works...
Its just a matter of law.
The most important fact — not an opinion, but
a fact — every valid, legal, enforceable contract must have 5 essential
elements.
- Competent parties
- Subject matter
- Legal consideration
- Mutual agreement
- Mutual obligations
According to all the courts in all the land, if
just one of these elements is missing, the contract is invalid, illegal, and
unenforceable.
If you properly analyze any credit card agreement
you will find that it lacks at least 2 of these mandatory elements: mutual
obligations and legal consideration.
Now you're probably wondering, if the agreements
are invalid, illegal, and unenforceable, why haven't the courts stricken them
down?
They have.
Its just that court decisions are different than
laws passed by state legislatures or Congress. A court will only make a
decision about what is before it. If the case is only arguing the arbitration
clause, that's all the court will address. In addition, its decision only
effects that cardholder and that bank. The case would have to be appealed up to
the state Appellate or Supreme Court to have effect on every member of the
state. Something smart bankers don't usually do.
When they have, they've lost.
That's why most banks no longer attempt to force
their bogus arbitration clauses on people. Its been ruled unenforceable in too
many courts.
What the bankers don't want you
to know...
The exact same arguments used to invalidate the
arbitration clause can be used to invalidate the entire agreement.
If this is done, the entire agreement is
unenforceable and the cardholder no longer has to make any payments. The
agreement and the debt are void.
Even more importantly, courts cannot afford to
play games with contract law. If they even hint at allowing weak, invalid
contracts to stand, they'll destroy their state's economy. People will tell you
that money makes the world go round, and it is probably true. But, strong
contract law makes the money go round.
Weaken the law, lose the money. Just ask the
people of Zimbabwe and Venezuela.
Don't take my word for
it...
Mutual
Obligations
Here's a clause from the agreement of a major
credit card bank:
Changes in
Terms. We may add to, remove, amend or change any part or provision
of this Agreement...
Account Closure and
Suspension of Credit Privileges. "We may, at any time, with or
without cause, with or without advance notice, and regardless of the existence
or non-existence of a default under this Agreement, cancel the account and/or
temporarily or permanently suspend your credit privileges under this
Agreement."
Does that sound like the bank is obligated to any
particular provision of its agreement? Does it sound like it has to stand
behind any of its promises?
Here's what the courts have said about mutual
obligations:
"Mutuality of contract means that an
obligation must rest on each party to do or permit to be done something in
consideration of the act or promise of the other; that is, neither party is
bound unless both are bound; a contract that leaves it entirely optional with
one of the parties as to whether or not he will perform his promise would not
be binding on the other."
THE MONEY PLACE, LLC v BARNES,
01-1361_S.W.3d_.
"Unless a contract is binding on both
parties it is not binding on either." Rehm-Zeiher Co. v. FG Walker Co. 156 Ky.
6, 160 SW 777 (Ky. 1913)
"As we have said, it is a fundamental
principle of law that there must be mutuality in every contract. If one of the
parties is not bound, then the other is not." Steinwender-Stoffregen Coffee Co.
v. Guenther Grocery Co. 26 Ky. L.R. 270.
When the bank can change the terms at will, renege
on its promises at will, the agreement lacks mutual obligation. Its
unenforceable.
Here's the catch. The bankers have asked their
Congress to change the law regarding credit card agreements. In the not to
distant future, mutuality may not apply to credit card agreements. You might
want to take advantage of this law while it still exists.
Illegal
Consideration
Pursuant to Title 12, Section 24, Seventh banks
are not authorized by law to lend credit. The lending of credit is not included
in the list of incidental powers authorized by Congress.
All credit card banks admit on their websites that
they lend credit. They lend credit cards. We know they are only lending the
card because it states on the back of the card something similar to: This card
remains the property of issuing bank. Or, it will make this or a similar
statement in its Agreement.
People then take these credit cards to a merchant
and use the credit card bank's credit to buy things. When a merchant accepts a
credit card, it isn't accepting the credit of the cardholder. It is accepting
the credit of the bank.
Here's what the courts have said about banks
lending credit:
“. . . the bank is allowed to lend
money upon personal security; but it must be money that it loans, not its
credit.” Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case
No.12, 642, 1039.
“If any part of the consideration
for a promise be illegal, or if there are several considerations for an
unseverable promise one of which is illegal, the promise, whether written or
oral, is wholly void, as it is impossible to say what part or which one of the
considerations induced the promise.” Menominee River Co. v. Augustus Spies
L & C Co., 147 Wis 559, 572; 132 NW 1122
“In the federal courts, it is well
established that a national bank has not power to lend its credit to another by
becoming surety, indorser, or guarantor for him.” Farmers and Miners Bank
v. Bluefield Nat ‘l Bank, 11 F 2d 83, 271 U.S. 669.
“A national bank has no power to
lend its credit to any person or corporation.” Bowen v. Needles Nat. Bank,
94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED
637.
“It is not within those statutory
powers for a national bank, even though solvent, to lend its credit to another
in any of the various ways in which that might be done.” Federal
Intermediate Credit Bank v. L ‘Herrison, 33 F 2d 841, 842
(1929).
Banks lending credit is no different than banks
selling cocaine. They are both illegal and any agreements involving either are
unenforceable.
In the case of mortgage foreclosure you have one
additional bullet. Make them prove they actually own the note. Demand they
bring forth the original note. Something they are finding almost impossible to
do with all the buying and selling of "Mortgage Backed Securities."
Its the best -
most affordable program available...
The Competition...
According to the American Bankruptcy Institute
there were 2,039,214 people who filed for bankruptcy in 2005. That number
dropped to 597,965 in 2006 and 822,590 in 2007. Reason, the law was changed
effective October 2005. Congress made it harder for you and I to qualify for
bankruptcy. But, if we could, we would have to fork over at least $1,500 to an
attorney. Most attorneys now charge over $2,500 for a simple bankruptcy
filing.
Also, you'll be placing your future in the hands
of a judge. Something I prefer not to do. Ask any "honest" attorney, they will
tell you, you can never be certain how a judge will rule. With the Congress
changing the bankruptcy laws to make it harder for you to liquidate your debt,
the chances of a favorable ruling decrease.
In addition, once you have paid the attorney,
he/she probably won't make a refund if the judge's decision is not in your
favor. Of course, with bankruptcy, you have the stigma attached to your credit
report for ten (10) years. Nothing much you can do to get rid of it.
There is also no absolute guarantee with
bankruptcy. There is nothing to preclude the bank or any creditor from filing
suit sometime down the line to overturn or void the bankruptcy courts decision.
|
Whoever controls the volume of money in
any country is absolute master of all industry and
commerce.
President James Garfield |
There are also other people out there offering the
same or similar information and services as us. I have listened to the sales
pitch of two of these businesses. I received their names via email. There is a
third one I found on the Internet. There site is packed with great information.
I suggest you visit it:
NoMoreDebt.cc. I cannot recommend their process since I
don't know what they do or how they do it. But, the information on their
website is excellent.
The first pitch I listened to offered their
education phase for a mere $1,280.00, on multiple CD's. Once you had
familiarized yourself with this information you were ready to move on to
eliminating credit card debt. The first credit card will cost you $800.00 and
each additional credit card will cost you $300.00. With their program they
write the letters/notices for you. Email them to you and let you cut and paste
the letter into your word processor, reformat, print out, sign and mail.
The second
pitch I listened to, offered to eliminate bank credit card debt, maximum
six (6) cards to a maximum of $100,000. They furnish you with the letters and
forms. You customize them for your needs. All this for a mere $3,000, up front.
They do not accept credit cards for payment. They also turn your account over
to a credit report specialist to clean up the report once you have submitted
all the letters and forms. I don't know if they charge additional for this
service or if it is included in the $3,000.00.
The third company offers a great service. It is,
however, expensive. Well over $3000. The biggest problem I found with their
site, I was unable to contact them for additional information or a quote.
Just recently I was sent a link to:
http://www.relief2day.net/. This gentleman actually
purchases your debt then does the discharge himself. Needless to say, it is
expensive.
But, it may be what you're looking for.
Why they charge so much...
Attorneys charge so much because they suffer from
delusions of grandeur. They actually think they are worth what they charge. Of
course, if they charged what they are worth, they would all starve. Now there's
an idea.
As for the other businesses, I can only
speculate.
I do know, when someone else does the paperwork
for you, it can be expensive. You have to have employees. These employees need
office space, equipment, salaries, benefits, etc. Guess who gets to pay for all
of this...
From listening to the presentations it appears
they have set up their programs to look like they are actually doing the work
for you. To make you feel like they are actually holding your hand through the
process. Making their services feel more personal.
We offer the same personal service.
We are helpful, supportive, and informative.
We give you all the information you need that
guides you step by step through the process.
We make it as easy as possible for you to complete
the notices correctly, accurately, and professionally with our copy and paste
forms.
We are available via our support forum to answer
your questions and give you moral support, when you need it. All questions are
answered with in twelve hours of submission.
Plus: we offer one more step that the
others don't. This step makes our process more ethical and honest. It also
makes it virtually impossible for the banks to come back at you latter, and
win. With this one additional step the banks dig themselves a hole they can't
get out of.
Is our program
worth the same $3,000?
Yes!
Our program is worth every penny our competitors
charge. Probably more. We've just found a less expensive way to help you.
Do we charge
$3,000?
No!
If you sent me your information and I spent my
time filling out your forms, mailing your forms, talking to your creditors,
etc. I would charge you at least $3000, probably more. Its grunt work. I don't
like grunt work.
Instead, we furnish the forms, the knowledge, the
process, and the support and let you fill out your forms, mail your forms, talk
to your creditors, etc. You do the grunt work. In exchange, we give you a great
big discount.
It's also a matter of logic and economics. We
figure, if you are visiting our site and considering using our process, chances
are, you don't have a wheel barrow full of money sitting around. Chances are,
most, if not all, of your credit cards are close to or completely maxed out.
So, where are you going to get $3000?
So, if you're willing to do the simple but
necessary grunt work, we can save you a lot of money. We can get you started
eliminating debt now, not $3000 in the future.
Most importantly, we are always available to
answer your questions, give you guidance and offer you moral support. We're
with you through entire elimination process.
Last but not least, you actually learn how and
what to do. You're taking responsibility for your actions, for
yourself.
|
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. |
|
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 |
Who can benefit
from our program?
Anyone who wants to know the truth about banks and
credit cards and how to deal with them from a position of strength.
Anyone who has a credit card and wants to stop
making payments.
Anyone who's being hounded by creditors and
doesn't know what to do.
Anyone who's being hounded by collection agencies
or collection attorneys and needs help fighting them.
Anyone who's facing a law suit over a credit card
debt. They're easily beatable if you're willing to fight.
Anyone who's in a law suit but hasn't received a
final judgment and wants help fighting the beast.
Anyone who's been in a law suit and has already
received a final judgment and wants help getting it reversed.
Anyone who wants to be debt free!
|
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 |
How long does
the process take?
Depending upon how quickly you get started, how
the banks respond, and other factors which we have no control over, any where
from 12 to 24 months - generally.
Here's what
members say about our information...
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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 |
|
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 |
|
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. |
|
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 |
|
I've subscribed to several DE programs and
I'd have to say this one is the best,
questneverythng |
How do I know
it will work...
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 of 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!
Here's what you
need to 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... the American
Way.
We'll trade you a LifeTime Membership with Support
of only 297 FRNs ($297), or a
One Year Membership with Support for only 197 FRNs
($197)
|
"If you believe you can, you probably can.
If you believe you won't, you most assuredly won't. Belief is the ignition
switch that gets you off the launching pad."
Denis Waitley
Author, Speaker and
Trainer |
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?"
Make it Happen!!!
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.
|
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