"the more corrupt the state, the more numerous the laws" - tacitus
how to get rid of...
credit card and other unsecured bank debt
stop making those credit card payments!
stop making the bankers rich!
keep "your" money for you and your family!
it's possible...
no consolidation!
no negotiation!
no refinancing!
no bankruptcy!
no attorneys fees!
our remedy is found in federal and state law. the fair debt collection practices act and the fair debt reporting act as well as other legal processes. this is not a loophole in the law, it is the letter of the law. uncle sam wants to make you debt free! why not accept his offer?
it makes no difference whether you've been:
downsized...
laid off...
fired...
if you have credit card debts piling up...
your creditors are harassing you...
you are afraid to answer the phone...
our program should work for you!
we can show you how to completely eliminate and walk away legally, lawfully, and ethically from all your credit card debt. no debt consolidation or negotiation - no refinancing - no bankruptcy or attorney fees - eliminate some or all of your credit card debt. learn how to do what is best for your financial future, not the bank's.
action vs. inaction
inaction:
if you are 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 courts.
if you do nothing 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.
this email was received on january 16, 2003:
can you also help if there was already a summary judgement against me from the court from one of my creditors and i was forced to make them 3 payments so far?
thanks, dennis
the answer? it's to late, unless you want to go to court.
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...
once the court issues a judgement you pretty much have to live with the decision and pay for your inaction or hire an attorney to try and void or over turn the judgment.
if you do nothing, you loose!
action:
send the proper notices to the bank.
send the proper notices to the collection agency and demand your rights.
do the right thing at the right time and you can win!
the right things to do...
tested in the real world with real people for the past two years. no theories. just practical, well tested information guiding you on your way to financial freedom.
why the process works...
the process works for two very simple reasons. one, banks don't lend money or extend credit.
sounds hard to believe doesn't it. but, it's true. this fact will be proven, beyond any doubt, using the banks own documents, in our book...
two, you end your relationship with the bank with clean hands.
clean hands doctrine:
under this doctrine, equity will not grant relief to a party, who, as actor, seeks to set judicial machinery in motion and obtain some remedy, if such party in prior conduct has violated conscience or good faith or other equitable principle.
black's sixth edition, page 250.
the bank isn't so lucky. their actions, actually non-action, violates conscience, good faith, and most equitable principles.
this helps assure that the bank won't be able to come back a few years in the future and use the courts to help them steal your money.
the book is short but overflowing with practical information. you will be led step by step through the process. you will see and read all of the necessary notices. by the end you should understand how and why the process works.
everything you are taught has been tested in the real world with real people. no theories. just practical, well tested information.
dear jim
thanks for your program. i can finally answer the phone again without worry. if it happens to be a creditor, which it hasn't been for some time now, i just ask if they have complied with the law. if not, don't call again until you have. i never hear from them again. it is so nice to be back in control. now, if you could just get rid of those annoying telemarketers.
c.p.
phase two: the forms!
knowing why the process works is easy.
knowing how it works is critical.
just fill in the blank:
these are the notices you will have to send to the banks and the collection agencies.
doing the notices properly is absolutely critical.
this part of our program makes life very easy for you. for that you can thank my son.
he convinced me to take the book and put it on the web. create fill in the blank forms so each notice can be customized by each member without hassle.
the forms are so easy to complete a 12 year old can do it. just gather the necessary information, name of bank, address, account number, etc. and plug the information into the appropriate box. hit submit; and presto, instant notice. just print, sign and mail. no re-typing or cutting and pasting. technology as it should be used. you'll love it.
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.
phase three: cleaning your credit report!
don't get caught up with the possibility of having a spanking clean credit report immediately. credit is what got you to this site. be patient. learn to live without credit. chances are, your credit report is already in the toilet so don't expect miracles. be thankful you no longer have to share your money with the banks.
once the collection process has stopped, six to twelve months depending on the persistency of the banks, you can start the process of cleaning your credit report. i'm not going to lie to you and tell you this is a slam dunk. it isn't. the banks pretty much own the credit bureaus. the credit bureaus are a wall of protection between the people and the banks. they help the banks punish people who know the truth. cleaning your report isn't easy; but, over time, it can be done. this is why we strongly recommend that you set aside at least one credit card that you can continue paying on, you use the money you save by not paying on others, so you will have something for emergencies.
if you declare bankruptcy you will have these bad accounts on your credit report for up to 10 years. if you just stop paying you will have the bad accounts on your credit report for up to 7 years and risk the chance of law suits. with our process you virtually eliminate the risk of law suits and have a very good chance of cleaning your credit report long before the 7 years is up.
one wonderful thing about banks, they are greedy. they will attempt to punish you, for a while, then their greed takes over and they have this insatiable need for more debt. you benefit.
the competition...
according to the american bankruptcy institute there have been 3,053,442 people file for bankruptcy between january 1, 2000 and july 31, 2002. a lot of people are choosing bankruptcy and using attorneys. you can also. just be ready to fork over $1500 or more.
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.
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.
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.
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.
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 fill-in-the-blank forms.
we are available via our support forum and email 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 information and process worth the same $3000?
yes!
our information and process are worth every penny our competitors charge. probably more.
do we charge $3000?
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.
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
membership:
membership includes:
two year access to our website.
online access to our book which proves banks don't lend money or extend credit.
step by step instructions on how to eliminate credit card and other unsecured debt.
unlimited number of credit cards.
easy no hassle fill in the blank forms to create your notices.
online support forum.
email support.
earn money through our affiliate program.
we do all of this for only $297.
you can't lose:
use the right credit card and your membership is free!
charge your membership on a card you plan to eliminate, let the bank pay our fees!
plus, if you try our process and you find it just isn't for you, you can always give bankruptcy a try.
our guarantee
being a professional organization we adhere to the rules and standards of the kentucky bar association on warranties, guarantees, and refunds.
the facts about credit cards...