Unpacking Alleged Credit Card Debt And Bank Invoices

Tommy Kilpatrick challenges the assumptions behind “credit card debt,” drawing a hard line between invoices and statements, and show how language can shift the burden of proof back to the bank. We share tactics, limits, and ways to clean reports and rebuild credit while urging third-party verification.

• origin story: media deal collapse, lawsuits, credit report fallout
• law as language: using the word alleged to reframe debt
• statement vs invoice: why invoices document true obligations
• true store credit with itemized invoices vs bank-issued cards
• how banks acquire customers with gifts and fees
• where this does not apply: auto, mortgage, secured loans, telecom
• tactics: CPA and attorney letters, regulatory complaints
• litigation posture: counter complaints, injunctions, depositions
• credit hygiene: closing accounts correctly and removing lates
• credit rebuilding: low utilization, on-time payments, installment mix

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Chapters

• 0:00 From Teacher To Banking Skeptic
• 3:35 Lawsuits, A Judge’s Rebuke, And Fallout
• 5:15 “Alleged” Debt And Language Framing
• 7:20 True Store Credit vs Bank-Issued Cards
• 11:00 Statements Are Not Invoices
• 14:30 How Banks Create Customers And Fees
• 18:40 Closing The “Free Checking” Behind Cards
• 24:25 Where This Argument Does Not Apply
• 28:00 Fighting Collections And Lawsuits
• 34:20 Using CPAs, Attorneys, And Injunctions
• 39:20 Credit Score Repair And Strategy
• 45:00 Final Claims, Evidence, And Offer

Transcript

SPEAKER_01: 1:28

Well, that's what I'm able to help you and your audience do.

SPEAKER_02: 1:32

But what happened to me is this I am a retired teacher and I'm an author. So I wrote a book on health and healing. And in 2004, I was given an infomercial contract. So I was being test marketed on radio, doing similar things like this, being interviewed, and we were testing to see what I would say to get the best response. And it would take about six, nine months to do that. And so I didn't have an income, but I was using my three credit cards. And so things were going great. And then all of a sudden, one of the talents he got in trouble with the FTC because he made claims about weight loss. That wasn't true. So they came down hard on the company, and my contract was canceled. And so I was promised$100,000 a month. So$85,000 over six months. I'll still make$15,000. So I'll be ahead. And next month I'll be doing great. Well, that came to a crashing halt. So that put me a low with depression. And then about a month later, I kind of woke up and about my dad being a CPA, a certified public accountant, and I was in school to be one, but I never got the credential, but I can do the work. And I realized the bank does not have an invoice. An invoice is a debt instrument. So there is no debt with somebody that doesn't have an invoice. You don't pay somebody from a statement, you know, just when they say something. And then I remember from my accounting class in banking, they had us read the book from the Federal Reserve called Modern Money Mechanics. And in there it says that the bank accepts your promissory notes. Then they write numbers in your free checking account. So I know I didn't sign a promissory note. So there was no loan by the bank. My father-in-law at the time was an attorney and a judge, and we had long conversations about fraud undoes all contracts. So even though you say, Oh, you've signed you use the card and you have to agree to the terms and conditions, not when it's fraud. So I had no contractual agreement with the bank. So what I did is I filed three federal lawsuits in Los Angeles against the three banks by myself. So things were going on pretty good. We're going to come up with a deposition, meaning that the bank was going to have to send an employee to my office and answer all of my questions and bring the evidence of an invoice, which they don't have, bring the evidence of a promissory note, which they didn't have, and they had to swear on a Bible and on penalty of perjury. So now they lied. And so the bank didn't want that to happen. So all of a sudden I was called into federal court. The judge called me in, not the defendant. It's me. And he said, Mr. Patrick, do you have a credit card? Oh, let me start at the beginning. We'll start in the beginning in a little minute. Uh, do you have a credit card? Uh well, no, it started up as a gift card. A gift card. Open your wallet up. Pull that card out. What's it say right there? Credit card. You're an idiot. Get out of here. So he dismissed all three cases. So I'm going, oh, now what? So about a month later, I looked at my credit report, and all three banks were off my credit report. My credit score improved. I never got sued. I never got any uh obligation to that. So that's kind of like what happened to me, and that's what I helped other people. So, yes, all it takes is a letter to the bank to ask them to close your free checking account.

SPEAKER_01: 4:53

And you don't have to believe me. No, no, I'm a batting time. Ah, yes.

SPEAKER_02: 5:17

I want to tell you is I'm a doubting Thomas, so doubt me. I invite you and your audience to not believe a single word I'm saying today, okay? I've sent you some links in the show notes, so check it out yourself to see if what I'm saying is truthful. But send this to a CPA. Send it to someone who's had one class of accounting and they've never thought of it before, but they're gonna tell you I'm right. So now we start from what's going on here. Okay, so law is language, and language is law. So if you say you've got credit card debt, you've got it, I can't help you. Okay. We're on, we watch TV and we see a bank robbery in progress. They always say alleged bank robber, right? So all I'm asking your audience to do is add one word, alleged, because it kind of implied what you were saying. Let me ask you a question. Is it possible for you, your audience, and me too to have been lied to, indoctrinated, and brainwashed?

SPEAKER_01: 6:11

Is it possible?

SPEAKER_02: 6:17

Is it possible that you, your audience, and me have been lied to, indoctrinated, and brainwashed? Is it possible? Okay, right, it's possible. So a lie is a lie, and we can tell. But what happens if it's told generationally? Your mother, father told you this is a credit card, honey. If you don't pay, they come after you. And then their parents said it. So indoctrination is what I'm saying. If you don't question it, you have been brainwashed. So all I'm asking you to do is you and your audience to open your mind up. It's like a parachute, it only works when it's open. So open your mind up and have the possibility of saying alleged. So now we have alleged credit card. Yeah. Okay. So here's the fun part. There is true credit cards. Okay, you're saying like capital one, but capital one is from a bank. Okay. So how do you know the difference? Let's say you need tires for your car and you go to a tire store and you go in, you find out how much it's going to be. Oh my gosh, I don't have that. They say, Oh, well, um, what you got to do, Carlene, is fill out an application for in-store credit card and see if you'll get approved. Hey, you're approved. They put tires in your car, you drive away, and you didn't pay for those tires, did you? You didn't pay for the service to balance them and put them on your car. Uh-uh. But at the end of the month, you're going to get a statement that's true. And the statement has an outstanding unpaid invoice, which is true. You owe the money, Carlene. This is not a get out of debt scheme. Okay. What that is a true debt. So, because they have an invoice. They have the day, the tires, the cost, the shipping, who knows? All the terms and conditions are all right there. So, how can you tell if a Walmart card or an Amazon card or any department store is a true credit card? Look on the back. On the back of your card, if it says issued by Bank of America, Citibank, Wells Fargo, it's a bank and it's a phony bank. So I like uh discovered that the banks have committed a fraud all across, happens in Canada, happens everywhere else. So I am a victim's advocate. That's why I'm a victim right advocate, is what I'm trying to get through to your audience.

SPEAKER_01: 8:39

American Express, America Express doesn't say bank, but look it up. American Express is bank. They don't put that on the card, but they are a bank.

SPEAKER_02: 9:19

So it's more of a credit card. When you have that preload, you took money and put it onto the card, and so it's more like a debit card, is what that is. So Bank of America, what I'm saying is Amazon, Amazon, uh Walmart, uh the local department store. If if if you think it's a store bought credit card, it's a store-issued credit card, look on the back. And if it says issued by a bank, don't believe it's a credit card from a true merchant. It's not, it's a bank card. So years ago, we would go into the general store and say, Hey, Charlie, I need five pounds of flour and a pound of sugar, and my crops are coming in a couple of weeks. Oh, yeah, I'll write it down here. And so they got a list. You don't go to Charlie and say, Hey, Charlie, can I brought$10,000? Put in my bank. You go to the bank. So if we can agree right now that the bank never sold you tires and the bank never came out to your house and did a plumbing job, it's not possible for them to have an invoice. Okay. Now, me, I have an experience that probably you never had because when I was in school to be an accountant, it didn't work out that way. But my first job was as an accountant. So I had the CFO, which is a CPA, walked up to me and put a finger in my face and said, if you pay from a statement, I'm gonna fire you. That made a big impression on me. He said, Our owners make deals all the time. So maybe they made a deal last night, and that statement is not true. It's not even, we don't owe them anything. You know, they were deals out, or we mailed a check last week and you don't know it, and you're gonna pay again. We'll never see that money again. They're gonna take it and go. So you only pay from an invoice and look over here in a corner, see how the department head. Okay. So someone had verified the stuff, came in and says, Yes, you can pay this amount. And so you only pay from an invoice. And there was recently in the news about a company, a guy made up these phony invoices, made it look like a real company, made the logo look so similar, and sent them out to Microsoft and uh Apple, and he got millions of dollars of payments from these phony invoices. So that's where you only pay from an invoice. The bank does not have an invoice. So now we can talk about them doing a loan. Okay. So when you go into a bank with no money, you expect to come out with money and not with a gun or anything, but you fill out uh uh you want a loan. So, Carlene, let me ask you a question. If you apply for a loan and you're turned down by the bank, do you still get the loan?

SPEAKER_01: 12:05

No.

SPEAKER_02: 12:06

No, you don't get a loan, you're denied. Okay. An application, and this is tied into what you were just saying. I applied for a credit card. I did all the forms, I filled it all out. An application means a request by you. So let's go back to the scenario. You are approved of a loan. Fantastic. Then you go into the bank and you fill out loan documents. Don't you remember all the paperwork and all the things you had to sign? Okay here, okay there. You didn't know what it was, you didn't care. What's the what do I get out of this? And how much do I have to pay per month? That's what you want to know. You don't care about anything else. So when they do a loan, then you have to prove your income. Okay, because how can you pay this back if you don't have an income? Now, if the bank is taken into court, the judge say they're loaning money to people who don't even have an income. That's predatory. So obviously, the bank has to have some kind of evidence that you can pay it back. You also have to have collaterals because what if you don't pay it back? The bank can legally take the car, the house, or let's say you do a personal loan, you put up a yacht. They can legally take it away from you and you call the police. Someone's stealing my car. Oh, is that a wrecking company? Yeah. Are they I did you pay your loan? No. Bye. We're not coming out. That's that's civil. That's your problem. It's not theft, but because you gave up your car, your house, they're gonna take it away from you and sell it. Now, if the bank comes up short, that's their problem. But what if they come up wrong? What if they're making money on selling your asset? They don't get to keep that, they got to send that back to you. So that's what they do. And they also have to have a credit report to show something. And your credit score determines your interest rate. And the last thing you do is you sign a promise to pay it back. If you don't promise to pay it back, then it's a gift. So um uh what the banks do is they they advertise, right? They spend money to get you to be a customer. Okay. Years ago, they would purchase toasters and wall clocks and have them in the bank. And you'd walk in and say, Hey, Carlene, you open an account today, we'll give you a toaster. And back in the 50s and 60s, that was a big deal. Mom came home with a brand new toaster. Oh my god, how'd you do that? I opened an account, they gave it to me. Oh, there you go. So, in a newspaper a while ago, they had an ad that said, Come into our bank and deposit$25 and we'll match it in 90 days. So, what did I do? I took my 25, went into that bank, opened up a savings account, waited 91 days, went in and took out$50, my$55 and the$25 from the bank, right? And I closed the account. Now, let me ask you a question, Carlene. Did I rip off the bank? Did I steal?

SPEAKER_01: 15:02

Right.

SPEAKER_02: 15:58

And he's made three hundred and sixty-one dollars. He's going, Wow, look what I got free money, and that's always saying, Do that. So let me ask you a question. Is that immoral what I did and what you did?

SPEAKER_01: 16:11

Is that immoral? All right, so we're gonna come back to that.

SPEAKER_02: 16:18

Now remember that it's not immoral if they offer you a gift to take it. Okay, it's the same thing with your$500 Capital One credit card, it's a gift card. Wait a second, what's going on here? Right.

SPEAKER_01: 16:34

You you you don't have an invoice, there's no invoice, you didn't pay for anything, so you don't owe them that right now, yeah.

SPEAKER_02: 16:49

Some people got a credit card in the mail that didn't even apply. You're pre-approved. Go ahead and use a card. So, why would they do that? Because they want you to be a customer, they're giving you a toaster, they're giving you$25, they're giving you$500. Oh, yeah, okay. So, you got a gift card, that's my terminology. You say credit card, you won't win the argument. So, you get a card in the mail. So, what did you do with your card? Let me ask you right now what would if I sent you a gift card for$500, you're gonna buy one item. What would you want to buy free of charge? Anything in the world that you would want to buy right now, one item. There you go. I get that often. I get that often from the podcast. A new mic would be great, a$500 microphone. That would okay. So you go to the store and you buy this microphone. You're walking out, and the first door says, Wait a second, did you pay for that? And you show a receipt, right? Are you going to get a statement from that store in 30 days about an outstanding unpaid invoice? No, who owns that microphone? You do, but Carlene, you didn't pay for it. You didn't take$500 out of your pocket and give it to the store. And how are you walking out of a store with a$500 microphone? Someone paid them that night or the next day. So who paid that store from your Bank America credit card?

SPEAKER_01: 18:21

Come on, tell me who baked it.

SPEAKER_02: 18:26

So, why in the right mind would a bank pay five hundred dollars? Because they want you to get you as a customer. So, what's the big deal about a customer? Because they know that in um so on if you type it up yourself, you can say, how much does the average uh person pay in uh uh credit card fees? And it's$23.4. So the bank knows in 22 or 23 months they made their$500 back, and now you are paying$23 on average every month for the rest of your life at interest rates that who knows what, 79.9 is the highest one I've seen. So it doesn't matter. These are fees on a free checking account. That's my whole point. They are defrauding you, they've sent you a gift card. You went and used the gift card, right? So, what did you get at the end of the month? You got a statement from Bank of America. That's right. But remember, you don't pay from a statement. They made you think that it was a bill. You get a normal checking account. You have a monthly statement, comes in a mail now by email. Is that a bill?

SPEAKER_01: 19:35

Your normal checking account? Is that a bill? How can it be a bill?

SPEAKER_02: 19:44

Uh your checking account shows your beginning balance, your deposits, your checks, your debits, any kind of fees, and you have an ending balance. That's not a bill, it's a statement. Mint means action, state means to say they said something to you. That doesn't make it true. That's what they and if you find out there's an error. Hey, hey, bank, you shouldn't have paid this. This is, you know, uh, and uh so you make up uh uh give us some evidence that there's something wrong with your account and we fix it, you go to the bank, we fix it. So this bank of America tricked you, lied to you, and made you think that you actually had a bill. So, what did you do? You're a good person, you're a moral person, you have a debt, you think you do, even lied to and doctored, and was brainwashed. Hopefully, you're now questioning this whole thing. So you did the right thing, and from your bank of Toronto, you wrote a checkout for$500 to Bank of America, right? Yeah, because if you don't, you're gonna get in all kinds of trouble, late fees, and then interest, and you're gonna be sued in court, and you have a judgment against you. Everybody knows it's a credit card debt. You can't get out of it. Everyone's telling you that. So, what do you do? You wrote a checkout.

SPEAKER_01: 20:52

Now, think about this. Just think about this.

SPEAKER_02: 21:13

First of all, how much credit is still available to you? Okay, let's say there was five thousand still available to you. Okay, what I would have you do as my as your advocate is withdraw your money out of your free checking account first before you write the letter. Because when you close your free checking account, they say, Oh, Carly, so sad to see you leave. Here's a three dollars and fifteen cents. This is what you have in your account. They give it to you, right? But in this case, the bank confiscates your money because it's not a credit limit. So here's what happened is you wrote a check to Bank of America from Bank of Toronto. That's the first time Bank of America has ever seen your money. Think it through. Uh, a card came in the mail, you didn't even uh apply for it, it came pre-approved. It you used it and you got a statement, you thought it was a bill, so you wrote a check out from your Bank of Toronto to Bank of America. That's the first time Bank of America has ever seen your money, right? Okay, right. Banks are only about loans. Remember, I said you take have no money. You go into a bank, you expect to come out with money through a loan. When you take money and put it into a bank and leave it there, it's a loan to the bank. And that's in your first that's in the show note in your first link. That's a legal website that says this is what's happening. They do not take the potter's money and pay it out to you. In a second link is the book Modern Money Mechanics. And in there it mocks you. It says, of course, we don't take the potter's money and loan it out. There wouldn't be enough. So, right there, the Federal Reserve is saying they don't do that. And what you do is you are loaning your$500 to the bank, and they put that into a free check-in account associated with that card. Every purchase you've made since then has been with your own money. So you put$1,000 in, you bought something for$1,000, you have zero in your account. So that's what you do. You tell them you want to close your free check-in account. There's nothing in there, and bye-bye. And in 45 days, it what you want to do is have that. Let's start here. Is are you do you have any lates on that credit card on your credit report? Okay. So we want them to remove that because it's fraudulent and make it as a good account closed by you. You don't want it to be closed by the bank. So you're asking to close that account and have it cleaned up so it will be a good positive thing on your credit report. So that's what will happen.

SPEAKER_01: 23:55

That, yeah, that's what happens.

SPEAKER_02: 24:23

Well, my my argument is that you are a victim of fraud. So this does not work for car loans, it doesn't work for automobile loans, it doesn't work for a personal loan that you put up collateral and you've signed a promissory note. What I'm saying is that if the bank issued alleged credit card is a phony card and they have lied to you, so you are a victim. So you can write a letter and it sounds pretty weak. Wouldn't you agree? Are they really gonna do that? Okay, so how do you make it a little stronger? You have your CPA, so again, don't believe me. Read the show notes, take this to a CPA and have them write a letter to the bank saying, first of all, there is no invoice. If you have an invoice, send it to me if it's accurate and true. I agree to pay it. We're not trying to get out of a debt. If you've got an invoice, send it to me. You violated federal banking regulations. You filed, you failed to follow the Canadian regulations of the banks. You are issuing loans without a promissory note. That can't happen. There is no loan. And then to make it even stronger, you can have an attorney or a solicitor if it's in England or anywhere, say fraud undoes all contracts. So I do not have a contractual agreement with you, bank. You have lied to me. And so what I have is a free checking account. You have put errors on my credit court, and here's the evidence. And by the way, I've also complained to five state and federal authorities. So if you're a victim of a crime, where is your police report? So I have you get the evidence, which is your credit report that shows these credit cards. It can't be a credit card, and that's a lie. So now you have evidence. You go to the authorities, they're not gonna do anything, right? But you have the evidence of filing a complaint. You send that to the bank. Now the bank's gonna go, okay, we got five federal state authorities that are gonna be asking us to respond to this person. Okay, it's gonna cost them money. And then what you do is you can send them a lawsuit. What? Like my lawsuit, I lay out all the crimes they've committed. So if they sue you, you know they know that you're gonna sue them back as a freebie. So if they sue you, you can sue them back as a counter complaint, it's a freebie. And then also an injunction. Now, before people didn't know what I was talking about, but everybody knows Trump does one thing. What do they do? Run into court, file an injunction, and he stops. It stops everything. This is exactly the same thing. So the bank knows that if they sue you, you file an injunction. If you sue them, you're gonna file an injunction. What that means is that the judge is gonna have to see this certified uh copy of an outstanding unpaid invoice, which they don't have, they're gonna have to send you the judge a certified copy of the promissory note, which they don't have, and you're also asking a bank to provide an affidavit of debt. Someone, a live body, has to swear out on a Bible that this under penalty of perjury, that they you have a debt, you have a loan, and they have the evidence. And if they don't do that in 30 days, they're in contempt of court. So what are you asking for? Clean the credit port up and close it. Click, that bank never sees you again. And they say, Oh, that'll be banned. Well, I told you uh the the, you know, about uh 13 years ago, the wife said, get out and take the dog with you. It was the best thing that ever happened to me. So I traveled as a uh pauper, I had a bowel poverty, and so I was homeless on purpose. So I ended up not having any credit report and any credit score. So knowing I was gonna come to the Philippines, I had to buy an airline ticket with a credit card. And to rent a car, I had to have a credit card. So I applied that to Capital One, and they gave me that's the important words, they gave me a$500 credit card. My score went from zero to$520. Wait a second. How'd I get that? I was a previous customer. Oh, okay. That's one of the banks I sued for$35,000 out of the 85, and they took it off my credit report, and so they I was a good customer. So, yes, they now what's it pretends to scam? You're involved in that credit card again. Yes, I know. Okay, I don't do the annual fee because they're not going to get any money from me. And I went from zero score to 525 because I had a credit card on my report. Then I went to a credit union and got a whole time loan. Now I have an installment loan and my score jumped to 625. I use 10% of my credit card every month. I never pay interest, never pay late, and I'm always on time before. I'm always weeks before that because I never want to be late. And so now my score is over 700, and I'm trying to get my score back to 800 to show to you and your audience, hey, look, my score went from zero, no, to 800. And so I can help people raise their credit score. And then if they have these alleged bank-issued credit card debt, they don't have a debt, it's a fraud. So I'm able to help them get money because I told you about one person that had uh uh just recently a podcaster came to me and said that he had about uh twenty thousand dollars. 10,000 of it was debt, and 10,000 was on. I said, There's$10,000 for you. They went, What? It's not immoral to take the money out of your checking account. So they got you tricked and thinking, I'll max out the card and I owe this money. You don't owe the money, it's your money. You got to take it out of the account before they close it and confiscate it. So I'm usually able to help people find money, and then they also have a clean report and their credit score goes up. So yeah, and I want millions of people to do this. So more and more millions, more and more thousands of thousands of complaints that are all going in against the banks. Pretty soon it's gonna be on a TV that yes, we've been scammed, and one fourth of the profits that think about this the bank has a million card holders and they make$23. They're making$23 million a month, charging people for a free check-in account. So this is about one-fourth of their profits. So is this gonna hurt the system? Not at all.

SPEAKER_01: 30:27

It's just gonna hurt the banks and their profits. They have an invoice.

SPEAKER_02: 31:50

You use their phone, you didn't buy the phone, they gave you the phone and a deal that you have to pay them monthly, and or put a video, and then you use the phone, they have an invoice, they have all the phone calls you made, so there's the invoice. So this does not work for that.

SPEAKER_01: 32:06

But I can help people.

SPEAKER_02: 33:12

You tell me it's a scam, okay. I want to get out of this thing and say, Yeah, cash out. But that's gonna be$40,000,$50,000,$100,000. It's a gift, it's your money, you put it in there. It's not immoral. Remember, we talked about that. Is that immoral for me to go to the bank and they give me a gift and I take it? Well, it's the same thing. So you want to buy that phone and pay off that debt. So let me talk about that. So I have people on that edge, then I have people who are in collection, which is simple enough. Then I have people who just got a lawsuit. And a podcaster last week contacted me after the show, and he said, I just got basically about three weeks ago, he got uh summons of Citibank for$3,300 in Utah. And so he has to show up for court, or he wasn't because how can you argue against it? That's how it's always automatic. Everybody knows the debt, you can't get out of it. The whole system is lied to. You've been indoctrinated, it's all brainwashed, no one's questioning it. So he then said, Wait a second, can you help me? I said, Absolutely. What we need is more time. So write a letter to the judge saying, I have to respond to this in two days, or you're gonna do default judgment against me. I want more time because I want to find an attorney. Ah, they love that. The whole system makes money, all the brotherhood, they all the judges, they all the whole system, the courts love this. Yeah, go pay for an attorney. We like that. And then I'm gonna do some law research. Okay, and then we want to file a counter complaint. What? A counter complaint, and this is gonna go to the bank. So now the bank's attorney is gonna go, they're gonna file a counter complaint. How could they counter a complaint? And we have our expert witness, the CPA, who's gonna say, no, there whenever was a credit card. And the judge is gonna go, what? So the same judge that asked me all those questions, and that's where that's gonna ask the attorney, do you have a credit card? Uh yes, I do. And do you use it every day? Oh, yes, and you pay it. Yes, and what if you don't? Well, I'd be in here, right? Exactly. So, but then we get our CPA up on a stand, and that's in my book, and that's happened to me. It's happened to me several times with my uh people I help. And so the CPA says, the attorney says, Well, then that you, you don't have an attorney, you have represent yourself to say the judge asked me if I had a credit card. Is that true? No, please explain to the judge and the bank over here, why it's not a credit card, and takes you through my whole thing. I just talked you through. So there's no invoice, there's no promissory no, and fraud unders all contracts, there's no contract agreement. So before we even go to court, the attorney for the bank is, what do you want? We want this cleaned up off the credit court, no 1099 C. Let me explain why very quickly. The 1099 C is when you take a loan out, let's say for$100,000 and you don't pay it back. The bank sends the IRS a 1099 C saying, you made$100,000 and you got to pay$35,000,$45,000 taxes on that. And they get to take a tax deduction of$100,000. So in the pleading, in the letter to the bank, we say you cannot issue a$1099C to make me pay taxes and for me to get a tax deduction from a loan never happened because I will file a$3949A. So my dad being a CPA, I have the IRS as part of my DNA, I'm telling you. So a 3949A is a form you tell the IRS that a fraudulent form has been filed with them. So now the bank will be accused of tax fraud. So we have the evidence against this criminal, it's a criminal enterprise. And that's where we are come through very strongly. And so what happens to you in 45 days, either it's off your credit port or it's cleaned up and it shows and your credit score goes up. That's the whole point of this thing. And turn right around, reapply, get a card so I can help people who already had the judgment against them. They're already making payments. I can help them. And so it's like the same thing going to the bank, applying for a loan, or uh uh uh going to the bank and depositing money, and they'll match it. So there's a way of them matching funds. We take that money and pay off your debt so you can get out of your debt by using a gift from the bank. And that's not immoral. You said it wasn't, I think it's not. So you write the letter yourself, and I have it already. So you just put your name in and off it goes. And you have a CPA, we can find a CPA that has an open letter, you know, that doesn't have to be specific with you, and we have an attorney write a letter, and that's two or three hundred dollars, but there's also uh legal shield, so they do that for$29. You can have an attorney write a letter, or an attorney can write a letter to an open letter saying fraud undoes all contracts. How difficult is that? As advertising, so the attorney is going to put his name out there. Hey, if you need an attorney, here I am, and this is an open letter. Yeah, fraud undoes all contracts. So we send that to the bank. It doesn't have to be specific to them, but then that's where the evidence we have the evidence in the complaint about that. And then also we have discovery. So the demand for purchase action documents, interrogatories, which are questions, admissions, and then the deposition. They definitely don't want a deposition. So the bank is gonna see this brick and we mail it not to the bank, but to the registered agent. A registered agent is the one who takes lawsuits. They're one location, they take all the lawsuits because they're being sued all the time. So they take it in, no question out, and that's sent to the attorney of the bank. And the attorney's gonna go, Oh my gosh, this is gonna take 40 hours and my 500s, 20,000. Just click. We don't have the evidence. We don't want to, we want to be that puffer fish that the bite, the fish bites, we puff up, we spikes, we go, ow, ow, I don't want you in you. Uh get me out of here. So that's what we are. We're the the pain and tushy that for the truth. That's the difference, is we're not scamming anybody, we're not trying to get out of a debt. So if you have a true credit card, you owe it, you pay it. You have a debt with your cell phone company, pay it. You don't have the money. Well, there's gifts available.

SPEAKER_01: 40:32

Evident. True. And like I said, don't believe me.

SPEAKER_02: 40:39

Don't believe anything I had to say. Look in the show notes, do the links, read it yourself, and take this to somebody who knows. I will not help anyone out there who has not had a third party verify what I'm saying. And I'm happy to talk to your attorney, only if we have the CPA, because the attorney's going to go into the brainwashing. Oh no, it's a credit card debt. You will go. We put this every day in court. I'm in court every day. We have a hundred cases. Everybody runs through everybody. We all know it's that way, but we have to have the CPA say you're wrong. And I am the expert witness. So I won't help anybody unless they have a third party. And what kind of scammer wants to talk to your CPA? They're extremely honest. They're extremely moral and stuff. So, and then attorney, what scammer wants to talk to your attorney? They're deal killers. I want to talk to your attorney because I want to turn their head around because they got all these clients that are going in for credit card debt that they can actually help. So I got one more thing for you to blow your mind. Here you go, Carlene. Listen to this. You buy a share of stock of Bank of America. Okay. Now you are a shareholder, you're part owner, and now you really want the bank to be profitable because you're going to make something out of it. So let's look at it that way. You have a bank called Bank of America. Do you want your bank to loan out your money to someone who can't pay it back? Would you want to do that? No. Would you want your bank to loan money out to people who don't have an income? That's stupid. There's no verification. On YouTube, they'll tell you, these people will tell you, apply for a credit card. Tell them you're your bank president. Make anything you want of because and claim any income because they don't verify, and you'll get a huge more amount of your credit limit. They're telling you it's a scam. Do that. Okay. Now, here's the best best question. Would you want your bank to loan money to people who don't even promise to pay it back?

SPEAKER_01: 42:40

No. So how could it be a promise to pay it back? It's not a debt.

SPEAKER_02: 42:56

You're still brainwashed. That's okay. It's gonna take a while. I'll send you something with all the language. So if you use these words here, you're using the criminal language and you'll lose every argument. If you start with a truth that I applied, that's correct.

SPEAKER_01: 43:10

But an appeal. Right.

SPEAKER_02: 43:23

So we always start with the alleged, and that puts the burden on the bank to prove that there's a debt. If you don't say the word alleged, then you assume there's a debt, like everybody else going to court, and they rarely ever show up. So it's automatic default judgment. Because how can you argue against this? You know it's a credit card debt, you know you owe it. So I can't help you. But if you use the word allege, now we got to figure out which one's a true credit card you really owe it on. So you could use your, let's say, Bank of America card to buy your cell phone, and there's a gift.

SPEAKER_01: 44:37

Yes, of course.

SPEAKER_02: 44:39

Frankly, disagree. Disagree with my facts. Here's the facts. The you did not, you applied, that means a request. So you didn't do a loan document, so there is no loan. The bank did not sell you tired, didn't come out to your house and do a plumbing job, so there is no invoice. So there is no invoice, and there is no loan, and also fraud undoes all contracts. So you don't have a contract agreement. If you say you have a debt with the bank, then show me the invoice. If you say you have a loan, well, then oh, it's in that application. You're using the wrong word. And so the right word is you've got a gift card because they want you to be a customer because they make$23. That's why they gave me a guy who sued them for$35 a credit card because they know they're gonna make$23 on average. One podcaster told me he pays$800 for an annual fee for a free checking account. So people are paying all his interest on a free checking account. You don't have to do that. So you can tell me I'm wrong, but show me the evidence that the bank is a truthful, wonderful partner with you, and they've always been honest and upfront with you. And so they're the people that pay with buddies with. Fine. And so there is an invoice. That's fine.

SPEAKER_01: 45:53

What they do, they have a loan.

SPEAKER_02: 45:55

Show me. And then my logic words you got a gift card, you use the gift card like you should, then you got a statement, which was not a bill, it was a lie to you, but you paid it, so you loaned the money to the bank. That's true, and you're withdrawing your money, and you better withdraw it first. So when you hear about the people having their credit limit lowered, no, it's the wrong word. You deposit$500 in your checking account, they took$250 out. So, oh, they lowered my credit limit down. Oh, they closed my account. No, they stole all the money in your account. These people are greedy. So you can add the extra words in there, but these are criminals and trying to wake you up that there is a worldwide bank fraud going on, and I am your uh victim rights advocate. Yeah, so you can find me on Facebook, Tommy A. Kilpatrick, and if you sign up for a free 50-minute consultation, I will give you my sixty-nine dollar book for free.

SPEAKER_01: 48:37

So I'm trying to help you out.