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Credit Repair and Debt Elimination
and other Financial Assistance

  • How to get out of DEBT without any more payments
    Credit Cards, Auto loans, Mortgages, ....
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  • WARNING: The amazing information you are about to read will change your life.
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This web site is informational and not advisory.  This page does not constitute legal advice.  No person or entity should act or forbear any act based on the information contained herein.  You should always contact an attorney, authorized to practice law in your State, for specific legal advice.  The information and materials are true to the best of our knowledge. 

Debt Elimination and Financial Advice

Permit me to issue and control the money of a nation and I care not who makes its laws. - Mayer Amschel Rothschild

 

Negatives into Positives

#1  Discharge your Mortgage (Trust Deed) 
 

Mortgage Elimination  is an administrative process, which disputes the debt through administrative procedures and administrative law.  Using the statutes, laws, case law and acts that are positive law, the process begins with administrative letters of dispute sent to your mortgage bank.  The administrative process is based on U.S. Supreme Court decisions, United States Code (USC), the Fair Debt Collections Practices Act, the Fair Credit Billing Act, the Uniform Commercial Code (UCC), and numerous Banking and Lending laws.

"We Thought We Were Getting A Loan"
A letter to a friend:

Dear (name deleted)

I’ve recovered my composure, but I’m still dazed.  A friend called me to ask if my wife and I had a conventional mortgage and if we did, did we realize that we were being badly misled?  That’s a serious charge and I didn’t understand, so he explained that our lender used the promissory note we signed at closing to pay off the former property owner, never loaned us money out of his own pocket, did not tell us, and still requires monthly payments! 

But, I protested, how can he do that?  We’ve paid more than $140,000 so far, keeping our agreement at the risk of default and foreclosure.  And wasn’t the lender taking a big risk with us for 30 years by lending us the purchase price of our home?  No, he wasn’t, isn’t, and never will be. 

Little did I know that the lender deposited our note in an account just like cash, and listed it as a new asset.  He then obtained credit from the Federal Reserve with this asset, expanded that money anywhere from 9 OR MORE  times, used some of the money to pay off the previous property owner, and kept the rest.  He never loaned us a dime!  In fact, we loaned him money and he literally carries our promissory note on his books as a liability, just as if we had deposited cash in his account that he would then be obliged to give back to us if we demanded it.  We literally paid for our house on the spot with that promissory note, but we’re paying again, over 30 years, for the same house!  This is crazy, I said!  I thought we were getting a loan. 

In fact it was an exchange.  Value for value.  Our note for the house.   No loan that passes the “sniff test” was made to us at any time.  The bank never loaned us anything.

In an honest loan agreement, the lender’s supply of money would shrink by the amount that he loaned us.  He’d be earning his profit (interest) by risking money that was really his.  In our case, the lender’s pool of money exploded when he took advantage of his status as a Federal Reserve lender and created money out of thin air with our note.  If a private lender tried this, it’d be counterfeiting and he’d end up in the slammer. 

It’s called fractional reserve banking and all lenders who are part of the Federal Reserve System do the same thing.  Only they don’t tell you what they do with your note, and that’s dishonest.  Why? Because by law, if the actions of either party to an agreement significantly alter the cost or risk as originally represented, he is obligated to inform the other party.  Lenders NEVER tell “borrowers” that their promissory notes are instant cash cows, that they use your note to fund your own loan, or that they incur little risk.  But you still pay a second time, month after month, year after year for something you’ve already paid for with that note! 

The lender is NOT telling you that: 

  • He’s funding the purchase of the property with your promissory note and that no money comes out of his pocket to do that. 

  • He does not incur nearly the risk he says he does.

  • Your note is a negotiable instrument, redeemable in cash for up to nine times the face value of your note, exponentially increasing his profit potential.  

  • And if you understood what your lender did with your note and you had a law dictionary, you’d realize what your Deed of Trust or Mortgage really says, which is that……

    • Your lender accepted your Promissory Note as payment in full for the property.

    • You enter the Deed of Trust or Mortgage agreement after signing the Promissory Note as the sole owner of that “Fee Simple” property, paid for in full by your signature on the note, and then you sign it away as collateral for the privilege of paying again, paying this “trickster” principal and interest for the next 30 years.

 Whereas, silly us,

  • We thought we were taking out a loan.

  • We had to qualify for the loan, establish ourselves as a worthy risk.

  • We had to jump through hoops to provide all the documentation – tax statements, banking references, income statements, cash balances, investments, other “loans”.

  • We felt so grateful to the lender for making it possible for us to have a home.

  • We sweated the possibility of foreclosure, loss of our home and our credit rating.

  • We’ve made every payment on time, over $140,000 so far, with 22 years of payments to go.

 Have we kept our side of the bargain?  You bet we have.  I even feel like we should keep paying because I’m old fashioned and my granddaddy told me you don’t get something for nothing.  Well, did we get something for nothing?  No, but the lender did!  Were we tricked?  Yes we were.

The lender created the money to purchase our home from the previous owner out of thin air with our promissory note, expanded it up to nine times, invested this free money to get free interest, never paid taxes on this extra money he created, then held hostage the title to our home that he didn’t pay for while he began collecting 2 ½ times the original purchase price from us one month at a time for 30 years! 

We gave that lender enormous value; value far exceeding the purchase price of the home we live in.  But, like millions of other homeowners, we couldn’t see behind the curtain that was drawn when we handed over the promissory note.  We didn’t know how banking works.  We didn’t understand what constitutes value in our system these days, and the lender never told us.  Why would he?  If he had, we’d have demanded a darn good reason why we were going to have to pay him more than $500,000 over 30 years, for a house that we had already paid for, not to mention the liberties he took with our note by expanding its value without our permission.

We’re doing something about it, and you can too.   We’ve submitted our documents to a very professional company that for a fee can satisfy the outstanding balance on our mortgage legally, safely, and permanently. No more mortgage payments ever again in as little as 6 WEEKS TO 7 WEEKS

Your friend, (Name deleted)


The principles behind credit card debt and mortgage debt elimination are the same.  The procedures are different.

 

Debt Elimination (technically Debt Settlement because you end up settling with the bank allowing them the voluntary effort to discharge your debt) provides a highly confidential administrative procedure that has thus far been 100% effective.   It's a non-confrontational way to insure there's no litigation.  

After all, what bank would be dumb enough to want to take their own fraud into court with someone who knows their secrets and how to deal with them?

Brief review of process:

For your protection, first a Family Estate Amendable Complex Trust is established in the homeowner's name. (ie. The Wilson Family Trust) The title is placed in the trust for asset protection while the Trustee handles all legal aspects of the procedure, as well as, funds distribution.

The Trust is set up as such: The Grantor is you- the borrower. The Trustees are the two principles of the Provider. You decide whom to appoint as the beneficiary(s) of the Family Trust. (probably yourself).  Under law, a trustee has fiduciary responsibility to the beneficiary.  In this process, the Trustee's position is to deal with the debt on the property.. not with the property itself. They have no intention to sell the property or to take any other action against the best interest of the Beneficiary(s).

The Trustees make a Presentment to the bank in the form a cash-backed bond in double-amount of the promissory note. In addition to the bond, the Trustee lawyers begin the legal process by sending out a legal complaint in the form of a CPA Report that outlines 40 or more different federal laws that have been violated in the "lending process". Lender has a certain time frame from the date of acceptance to answer the claim.

NOTE: The bond issued is a valid, rated instrument backed by a $120 Million Letter of Credit against the Assets of an 85-year old, $800 Million Swiss Trust Company.

The bank can keep the bond as payment based upon the following certain condition: The Lender must validate the debt. In other words, the Lender must PROVE a legitimate and valid loan was given.  If the Lender accepts the bond and cashes it without providing the necessary documentation regarding the validity of the loan, the Lender agrees that the Client/Trust has been damaged 10 times the amount of the bond. Cashing and acceptance of the bond is acceptance of these conditions. (Remember, the Lender really never loaned you anything)

The Trustee's legal team will notify you when your loan(s) is/are satisfied. Usually, this will happen within 45 to 60 days from the time the paperwork is approved. Your lender may or may not let client know or acknowledge this.  Once the loan(s) is/are satisfied, re-financing begins. The client is to refinance the property at the maximum loan to value ratio possible. The purpose of this new re-financing is for the you, the client, to compensate the Provider. All remaining funds belong to you, the client.

The process takes 5-7 months in most cases; however, the contract has a full year for complete performance. The end result is that the client gets free and clear title to the home and a good amount of cash in hand. The Family Trust can stay in place for at least a year. After one year, you have the option to continue the Trust at a fee of $1,000 per/year. This is a phenomenal protection device from any manner of creditor or financial predator who would attempt to attack your assets.

 

#2 Discharge your Credit Cards, Auto Loans,  and other unsecured loansdebt elimination
 

Credit Card Debt Elimination

Welcome to a new debt free world.  Debt is one of the biggest worries for most families and small businesses  Qualified professionals have solutions to help set you free from debts forever through debt elimination (without bankruptcy).....not debt consolidation, not debt management--debt elimination! 

It's real and thousands of people just like you have taken back their lives through debt elimination. The process is legal and ethical, does not draw on US Treasury but on the bond illegally and immorally established to use the wealth of each American born and consigned as collateral on the national debt. Now you can assume control of your own corporation (your corporate self that was created with your birth certificate) as is your legal birthright.  (They never told you about this, did they?)

 

Last year there were over 1.3 million bankruptcies, the majority caused by unmanageable credit card debt.   What these credit card holders didn't realize is that when banks approved their credit card and established their credit limit -- the banks used the applicant's name and signature to create the money to fund the card.   So, in essence, it was the applicant's own money!  You created the money with your signature.  The bank never actually loaned you anything.  They never had the money to loan to begin with.  This applies to mortgage loans, as well.  This is how the entire American banking system works.  Never do they loan you anything out of their pocket, yet they expect you to pay them back every month for something they did not give you.

How can such a con game be allowed? A few generations back, just as a new Congress and President were about to take office, and when many Congressmen and Senators had left Washington, DC for their Christmas holiday, laws drafted by international bankers to set up the Federal Reserve System were passed hurriedly with little debate. Most people do not realize this, but the Federal Reserve also owns and controls the IRS. The Federal Reserve is a private corporation and IS NOT a part of the government.  Our constitution clearly states that only the U.S. Treasury can create money.  Then how did a private corporation - the Fed - get where it is?

The Federal Reserve is not part of the U.S government, there is no "Reserve" and it is not a "Bank".  It is a cartel of rich bankers, mostly european,  who control the US and World (along with other central banks) money supplies. 

There are existing statutes, policies and procedures that banks and other financial institutions are required to follow, however. Even a cursory examination of these laws reveals that modern lenders breach their contract with every customer! Banks, credit card companies, and other financial institutions advertise that they are in business of lending money, but this is so false that their own accounting system shows that the exact opposite is true.  They take your note that you signed, and convert it into a bank asset without telling you.  They then deposit it into their asset account as their asset.  In bookkeeping, when you make an entry into the asset column, you have to balance it with another entry in the liability column.  What do you think they enter?  They make an entry that they owe you that same amount back!!  But they don't tell you that part. 

Usury Law states that no interest can be charged for a loan that never existed. The credit card companies never gave you a loan. If you think they did, ask yourself this question. Did your credit card company ever send you money for the amount of your credit card limit along with your credit card when you first got it?

Contract Law states that when you sign an agreement or contract, you must be given full disclosure of what is about to happen, yet the credit card company or bank never told you how they were going to fund your credit card, did they? Since the bank or credit card company never told you any of this, the contract is null and void because you were mislead. You assumed that they were loaning you the money when in fact that is not true. It was in essence you, yourself, who gave yourself that loan. The bank only acts as a vehicle to make that happen for you.

The truth is your strength and we show you how to use it to your advantage in correcting this.


Does this sound incredible to you? That you could actually cancel your credit card debts and never make another payment? More than a few of the people who have come to us
for help have felt that way, too:

  It just takes a willingness to see the truth behind the illusion and the courage
......to take back your power...... 

"When I called you about debt termination, the very idea sounded pretty crazy. But, I'd about run out of options, so I decided to go for it. Sure does feel good to have 70K of debt off my back! Thanks!"
-- Steve B.,
Missouri

Below is an actual document that reveals the power that banker's expect to exert on the hapless people who become victims to their banking system that gives people the illusion that they are in debt to the bankers.  They are actually saying how they want to control us...by foreclosing on us we become weak and fearful and hence compliant like sheep.

E X T R A C T: THE BANKER'S MANIFEST

Capital must protect itself in every way, through combination and through legislation. Debts must be collected and loans and mortgages foreclosed as soon as possible. When through a process of law the common people lost their homes, they will be more tractable and more easily governed by the strong arm of the law, applied by the central power of wealth, under control of leading financiers. People without homes will not quarrel with their leaders. This is well known among our principal men now engaged in forming an imperialism of capital to govern the world. By dividing the people we can get them to expend their energies in fighting over questions of no importance to us except as teachers of the common herd. Thus, by discrete action we can secure for ourselves what has been generally planned and successfully accomplished.

 from the Banker's Manifest, for private circulation among leading bankers only. "Civil Servants' Year Book (The Organizer)" Jan 1934 & "New American" Feb 1934

PS  This applies for credit card debts and student loans debts as well.

A great industrial nation is controlled by it's system of credit. Our system of credit is concentrated in the hands of a few men. We have come to be one of the worst ruled, one of the most completely controlled and dominated governments in the world--no longer a government of free opinion, no longer a government by conviction and vote of the majority, but a government by the opinion and duress of small groups of dominant men. --President Woodrow Wilson

 
Read excerpts from the book "The Creature from Jekyll Island

 

The following is a detailed explanation of how our Credit Card Program works, including the timeline of all events.

The first step in the Credit Card Program is to submit, with your membership documents, a completed form listing all the credit cards on which you wish to complete the process as well as a copy (front and back) of all credit card statements.  Along with these statement should be payment in the amount of $100.00 for each credit card submitted.  All payments made are required to be in certified funds. 

The Credit Card Program is based on the enforcement of federal consumer protection laws under the Fair Credit Billing Act (FCBA), the Truth In Lending Act, (TILA), Fair Credit Reporting Act (FCRA), Fair Debt Collections Procedure Act (FDCPA), as well as usury violations by the lender.

Once we have received all documents and payment, we will start the process by emailing you a letter to be sent to the lender along with instructions on how to complete and mail the letter.  Once the letter has been mailed, you will need to forward to us (via fax or US Mail) any correspondence from the lender or any party purporting to represent the lender so we can determine if any follow up correspondence will be required.  Once two billing cycles or ninety days have elapsed,  you will contact ADE so we can put you in touch with the attorney that will handle your case.  The attorney will require the following items.  Copies of the last three credit card statements, a phone log of any calls made by the lender to you, the date and time of the call, the reason the lender called and a copy of all three credit reports which should be ordered at the same time you will be contacting the attorney.  The credit reports are going to be reviewed by the attorney to be sure the lender did not violate the credit reporting requirements.

If the lender agrees to settle the credit card debt without filing a legal action the attorney will negotiate the payment of their fees within the settlement.

If a legal action is required to be filed to get the lender to the negotiation table, the attorney will be negotiating for release of the debt, monetary damages (of which you will receive 60%), as well as attorney fees and cost of the action.

Once the process is complete, you will have no further obligation to us or the attorney that has handled your case.

The time line of this process will be a minimum of ninety days and depending on how far the lender wants to take it, it could be between four to eight months before a settlement is achieved by your attorney.

Payments on your credit cards can stop when the letter goes out to the lender.  You also have the option of keeping them current until there is a settlement with the lender.  If you are already in default on your payments, then there is no reason to resume payments.  Keeping current keeps your credit report clean during the process and you should be able to recover those payments as over-payments as part of the settlement.  Stopping your payments will usually temporally tarnish your credit report, which will also increase the amount of damages you would receive in a settlement from the lender.

This is the entire details and timeline for the Credit Card Program.  If you wish to receive the documents needed to begin the process, please contact us below.      

 

  • If you are considering a debt consolidation, read this first

    "The ugly truth about why consolidation is a very bad idea."

    • FACT: The so-called non-profit debt consolidation services make thousands of dollars from the money you do pay toward the settlement to your creditors.

    • FACT: Your creditors will report the unpaid settlement portion to the IRS as imputed income and you will have to pay income taxes on the money you did not pay to the creditor through consolidation.

    • What!? That is insane!

    • Wait, it gets worse! The creditors in your consolidation agreement will continue to report your account to all credit bureaus as a bad debt that was never repaid. What incentive do you have to make any deals with them?

    • Did you know that 98% of the people who qualify for debt consolidation programs never complete them? They can't afford to continue the payments and when they finally give up, they find that their debts are much higher than when they began debt consolidation.

    • What if you just stopped paying? Gee, who ever thought of that? There are no more benefits or incentives to continue paying, the only thing you can look forward to is wasting more money until you realize it's hopeless.

     

  • If you are considering working with a company that does Arbitration, read this first

    There are several companies marketing debt termination programs. The credit card banks continuously are finding ways to fight back. They are not idle. All this talk about them not really loaning you anything can be countered with clever legal chess moves. They are as tireless as we are determined, but they have a bigger stake - they are fighting for their existence. They do make small incremental gains and a good company will be able to adjust and follow procedure that is successful. A great number of the debt elimination companies use a process called ARBITRATION. An arbitration, as defined by the debt elimination industry, is the implementation of a series of legal correspondence sent to a credit card issuing bank in an effort to demonstrate a legal basis to petition for a relief of debt.

     


    Upon completion of a series of correspondence and their related responses, the collected evidence is brought before an arbitration council in your area. Generally, a bank is unable to bear the burden of proof required to validate the debt in dispute as we have discussed above.  An arbitration is usually found in favor of the applicant, forwarded to the bank and an appeal for relief requested. However, this older methodology has several inherent weaknesses.

    What are the problems with arbitration?  Initially, years ago, 5-6 letters were adequate to complete the process and Arbitraion worked.  The banks would discharge the debt.   Now, it is not less than 20 perfectly constructed correspondence, with their required acknowledgments, to overcome bank responses.  The banks are now, as of the end of 2003, ignoring arbitration findings and counter-suing the client.  If the client, bearing the burden and cost of a lawsuit, does ultimately win, the banks have begun sending an IRS form 1099c for the full aggregate amount of the cards disputed.  A federal tax liability is now due upon receipt. Consolidation, debt reduction and mediation companies, without exception and as a result of their processes, can and have caused this exposure their clientele.

     

Is this a SCAM?  Click Here

 

 

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Revised: 11/10/06



 


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