Latest / Postcards to the Universe / Tommy Kilpatrick

Transcript

Tommy Kilpatrick · Postcards to the Universe

0:09
Speaker 1: Welcome to Postcards to the Universe with Melissa Capria. Do
0:14
Speaker 1: you believe in magic? What if you were told that
0:17
Speaker 1: all you had to do was get a little creative
0:20
Speaker 1: and work a magic spell to bring anything you can
0:23
Speaker 1: imagine into your life. Here on Postcards to the Universe,
0:27
Speaker 1: we will share manifesting tips, postcards, creativity, abundance, and prosperity.
0:34
Speaker 1: Here is your host, Melissa Caprill.
0:39
Speaker 2: Hey everybody, and welcome to Postcards to the Universe with
0:42
Speaker 2: Melissa creating the life you crave. How are you guys doing.
0:45
Speaker 2: I hope everybody's doing well. It's Wednesday today. I have
0:49
Speaker 2: a really interesting guest. It's not my usual kind of show,
0:53
Speaker 2: Tommy Kilpatrick, and it's all gonna be helping us with
0:57
Speaker 2: credit card debt, how to nuke our credit card debt.
1:00
Speaker 2: And I really wanted to have him on because I
1:04
Speaker 2: know a lot of people are going through a really
1:06
Speaker 2: hard time right now, and I feel like his information
1:08
Speaker 2: is going to be super helpful and he's going to
1:10
Speaker 2: join me in just a couple of minutes. To my regulars,
1:14
Speaker 2: thank you so much for joining me each week. I
1:17
Speaker 2: so appreciate you. And to anybody who's new tuning into
1:20
Speaker 2: the show, I want to say welcome. I am an artist,
1:24
Speaker 2: I'm a photographer, I'm an author. I have a book.
1:27
Speaker 2: It's titled Postcards to the Universe Arness, the Universe is
1:31
Speaker 2: power and manifest your dreams and I share manifesting postcards
1:35
Speaker 2: where people create a postcard, I photograph it, and when
1:38
Speaker 2: their dream shows up as a reality, we share their story.
1:42
Speaker 2: And that's basically what the book is about, so you know,
1:46
Speaker 2: check it out. I've also really started to get into
1:51
Speaker 2: doing videos, so I've been doing short videos and I've
1:54
Speaker 2: been posting them on YouTube, Instagram and TikTok and YouTube
1:57
Speaker 2: is really kind of where I really want to push.
2:00
Speaker 2: And so I'm announcing right now that I decided and
2:04
Speaker 2: I've talked to my producer Chris, that starting in November,
2:08
Speaker 2: the show is going to be not only chess audio,
2:12
Speaker 2: it's going to be video and it's going to be
2:15
Speaker 2: featured on Home Times TV, So you can still hear
2:17
Speaker 2: it here on O Times Radio, but you're also going
2:20
Speaker 2: to be able to see me and my guests starting
2:23
Speaker 2: in November on television and I'm going to be posting
2:27
Speaker 2: those on my YouTube channel also. So I'm really excited
2:30
Speaker 2: about it and I'll get into more details as I
2:32
Speaker 2: get closer to that, but I just wanted to share that,
2:36
Speaker 2: all right, So let me get to my guest, Tommy Killpatrick.
2:39
Speaker 2: So this is super interesting. So his approach to dealing
2:43
Speaker 2: with bank issued alleged he calls him alleged credit card debt,
2:46
Speaker 2: is by challenging its legitimacy. After writing a successful book,
2:51
Speaker 2: kill Patrick signed a contract with an infomercial company for
2:56
Speaker 2: six months. He promoted his book, anticipating a huge month payout. However,
3:01
Speaker 2: that didn't happen. He was left with eighty five thousand
3:05
Speaker 2: dollars in credit card debt. He was stunned and depressed
3:08
Speaker 2: until he had an epiphany, a bank issued credit card
3:12
Speaker 2: isn't a true credit card and no real debt exists
3:16
Speaker 2: because a promissory note was never signed. He then sued
3:20
Speaker 2: all three banks in federal court, representing himself. While the
3:24
Speaker 2: judge dismissed the cases, Killpatrick still won. The entire debt
3:29
Speaker 2: was completely removed from his credit report with no negative
3:33
Speaker 2: marks or tax implications. Kilpatrick's legal filings argued that because
3:38
Speaker 2: the banks had no invoice or promissory note, there was
3:42
Speaker 2: no contract and therefore no debt with total US credit
3:46
Speaker 2: card debt over a trillion dollars. His story offers a
3:49
Speaker 2: compelling alternative. He explains how people can send a letter
3:53
Speaker 2: to their bank to close the associated checking account and
3:56
Speaker 2: potentially become debt free within forty five day, and he
4:01
Speaker 2: has an offering. If you go to his website, it's
4:03
Speaker 2: www dot d I y slash or dash Debt Relief
4:12
Speaker 2: dot com, you'll find out more information. Okay, so welcome Tommy.
4:17
Speaker 2: Thank you so much for being my guest today. I'm
4:20
Speaker 2: really excited to talk to you.
4:22
Speaker 3: Well, thank you very much for having me. I'm excited too.
4:25
Speaker 2: And so this is this is something that I hadn't
4:29
Speaker 2: didn't know was a thing obviously, And like I said,
4:32
Speaker 2: I usually talked to you know, we go into very
4:35
Speaker 2: you know, mystical subjects. On my show. We talk about
4:39
Speaker 2: you know, like alternative healing, and I have psychics and mediums.
4:43
Speaker 2: But you know what, we've lived in the real world.
4:45
Speaker 2: We're still on this planet Earth wealth. But you were
4:49
Speaker 2: charging everything you were expected to get paid back like
4:52
Speaker 2: what ended up happening.
4:54
Speaker 3: Oh sure, well, I wrote a book on health and healing,
4:57
Speaker 3: so I tie right into your show and your audience.
5:01
Speaker 3: The alternative dealing and things. And then it was in
5:06
Speaker 3: two thousand and four, so to give you a time
5:08
Speaker 3: stamp here, and that's when the infomercial going great back then,
5:14
Speaker 3: and I had to do radio interviews at all times
5:18
Speaker 3: the hour, and so I didn't do any work. I
5:21
Speaker 3: just relied on my credit cards as promised one hundred
5:23
Speaker 3: thousand dollars a month, so running up eighty five thousand
5:26
Speaker 3: was no big deal at all. And then once one
5:31
Speaker 3: of the talents got in trouble with the ftc here
5:33
Speaker 3: in America, that the company had canceled all the new
5:37
Speaker 3: contracts that they made with all the different new talent,
5:41
Speaker 3: and that was one of them. So yes, a little
5:43
Speaker 3: depression of course set in. And then I woke up
5:46
Speaker 3: one morning realizing, well, thinking about my dad, he's a
5:48
Speaker 3: certified public accountant and I was in school to be one.
5:52
Speaker 3: Even though I never got the credential, I could do
5:54
Speaker 3: the work of them. And I realized the bank does
5:56
Speaker 3: not have an invoice, so there is no debt. I
6:00
Speaker 3: have a memory a book that we were required to
6:03
Speaker 3: read in my accounting class was Modern Money Mechanics, and
6:07
Speaker 3: in there it says that they have to have a
6:09
Speaker 3: promis ary. Note I never signed a promis array note
6:12
Speaker 3: my farm at the time was an attorney and a judge,
6:15
Speaker 3: and we had long conversations about how fraud and does
6:20
Speaker 3: all contracts. So you know, they say if you use
6:23
Speaker 3: a card, your terms and conditions, but there were no
6:26
Speaker 3: terms of conditions because it was fraud. So that's how
6:28
Speaker 3: it was successful in my lawsuit.
6:32
Speaker 2: Okay, what you're going to have to Yeah, we're going
6:34
Speaker 2: to have to get and dive into that a little bit. Okay,
6:37
Speaker 2: So you're talking about a is it a debit card
6:42
Speaker 2: that's associated with your bank account versus a credit card,
6:48
Speaker 2: or or is it a credit card that you apply
6:51
Speaker 2: for and they check your credit and say, we're approving
6:53
Speaker 2: you of you know, ten thousand dollars or whatever, you
6:56
Speaker 2: know whatever, one hundred thousand dollars, whatever you got. Which
6:59
Speaker 2: one are we talking about?
7:01
Speaker 3: Yes, we will take you through this. And here's the
7:04
Speaker 3: thing about the magic. And I love that word that
7:06
Speaker 3: you had about your show. This is something magic that
7:08
Speaker 3: people are not going to believe. And right there, I'm
7:11
Speaker 3: a doubting Thomas, so I invite you and your audience
7:14
Speaker 3: to doubt me. So don't believe a word I say today. Okay, okay, okay,
7:22
Speaker 3: start with the beginning. Don't believe me. So I look
7:25
Speaker 3: at the show notes and they'll be in there, and
7:28
Speaker 3: I have links that about this, about what I'm talking about,
7:32
Speaker 3: the evidence of what I'm talking as true. And then
7:34
Speaker 3: this podcast to a certified public accountant or anyone who's
7:39
Speaker 3: on one class of accounting, they'll tell you that I'm right,
7:42
Speaker 3: even though they may have never thought of it this way.
7:44
Speaker 3: They will tell you One, the bank does not have
7:47
Speaker 3: an invoice, so you don't have a debt. Two, you
7:50
Speaker 3: didn't sign a promise or note, so no loan exists.
7:53
Speaker 3: And three fraud NDEs all contracts. And this is worldwide,
7:57
Speaker 3: so it's not just an America.
7:59
Speaker 2: So wait, wait, stop, let me stop you right there.
8:02
Speaker 2: What do you mean by fraud? So because I didn't
8:05
Speaker 2: sign will use me I didn't sign it? Or you
8:08
Speaker 2: we didn't sign a primissory note when we're using the
8:13
Speaker 2: credit card, we're committing without knowing, obviously a fraud because
8:18
Speaker 2: we haven't we don't have a promisory note with the bank.
8:22
Speaker 2: Is that what you mean by fraud?
8:24
Speaker 3: Very good, that's a very good question. You're the one
8:27
Speaker 3: of the only broadcaster hosts has ever asked me that question.
8:30
Speaker 3: It's the other way around. The bank is okay the
8:33
Speaker 3: fraud sir, you are a victim. I'm trying to explain
8:37
Speaker 3: to you and your audience that I am your your
8:40
Speaker 3: victim's rights advocate. I have discovered be an accountant that
8:44
Speaker 3: the banks are committing the fraud. And you say, well,
8:48
Speaker 3: what's the fraud, Tommy? Okay, you are paying for a
8:52
Speaker 3: free checking account. That's the fraud. And they're going, what
8:55
Speaker 3: are you talking about? For you? That's where we kind
8:57
Speaker 3: of get into it. So law is lainganguage and language
9:01
Speaker 3: is law. So if you say you've got credit card debt,
9:04
Speaker 3: you've got it. There's nothing I can do for you.
9:07
Speaker 3: Now we're watching TV and we see a bank robbery,
9:10
Speaker 3: we always say alleged bank robbery. All I'm asking your
9:13
Speaker 3: audience and you to do is to add one word allege.
9:17
Speaker 3: When you say that word, you're forcing the bank to
9:20
Speaker 3: prove that there's a debt. And since they can't, you
9:23
Speaker 3: are now in the driver's seat. So it's all about language,
9:26
Speaker 3: it's all about law.
9:30
Speaker 2: Can't the bank when they see the credit card and
9:36
Speaker 2: the usage on it, say well, here's the evidence, right, here, like,
9:39
Speaker 2: I see you spent you know, five thousand dollars on
9:44
Speaker 2: you know, purchasing whatever you know for me a camera,
9:48
Speaker 2: right like I bought myself a five thousand dollars camera.
9:51
Speaker 2: Isn't that evidence the show that I am, you know,
9:56
Speaker 2: not the victim. You know, I'm trying to understand and
9:59
Speaker 2: I know so my audience who's going to listen to
10:02
Speaker 2: the show is going to want to understand it better too,
10:04
Speaker 2: So that's why I'm asking these questions.
10:07
Speaker 3: I welcome all the questions, and I welcome speaking to
10:10
Speaker 3: your attorney. Okay, what kind of scammer is out there
10:14
Speaker 3: saying I want to talk to your attorney, but I
10:17
Speaker 3: want your CPA to be there too, because the attorney
10:20
Speaker 3: is brainwashed and the thinking this is a debt, you
10:22
Speaker 3: can't get out of it, and you're a crazy person.
10:25
Speaker 3: I need to have an expert witness in accounting who
10:27
Speaker 3: is going to say, yes, there is no credit card.
10:29
Speaker 3: So I am not saying and advocating a debt get
10:34
Speaker 3: out of debt scheme. This is not okay, came out
10:37
Speaker 3: of debt okay. So I'm gonna put that right up front,
10:39
Speaker 3: and then to discuss that there are true credit cards. Okay,
10:44
Speaker 3: like the camera store. You went into a camera store
10:48
Speaker 3: and you wanted to buy five thousand dollars camera and
10:52
Speaker 3: you didn't have five thousand, and they said, oh well, Melissa,
10:56
Speaker 3: why don't you apply for the in store credit card.
11:00
Speaker 3: You go with that. We're right over there to terminal
11:02
Speaker 3: and type it out, and if you're approved, you'll get
11:04
Speaker 3: a card or knowing the issue a card because we're
11:06
Speaker 3: a small little business, we don't need to do that,
11:08
Speaker 3: we'll give you the credit and so that means believe
11:12
Speaker 3: in Latin cred means to believe, so they believe you're
11:15
Speaker 3: going to pay them back. So guess what, you're approved. Fantastic.
11:19
Speaker 3: You walk out of that store with a five thousand
11:22
Speaker 3: dollars camera. You didn't pay for it. Right right you
11:26
Speaker 3: went in the store, you didn't have five thousand. You're
11:29
Speaker 3: walking up with a five thousand or a camera. So
11:30
Speaker 3: if someone's got to pay for it, and it's you,
11:32
Speaker 3: at the end of the month, you're going to get
11:34
Speaker 3: a statement that's true. In that statement, they have an
11:37
Speaker 3: outstanding unpaid invoice, which is true, and you owe the money, Melissa,
11:44
Speaker 3: You got to pay for it. Work a deal out
11:46
Speaker 3: with them. Maybe they'll take less, who knows, but you
11:49
Speaker 3: have to pay that one. So how do you know
11:52
Speaker 3: a Amazon or a Walmart or a department store card
11:56
Speaker 3: that you have is a true credit card or a
11:59
Speaker 3: fake one. Look on the back on the back of
12:02
Speaker 3: these store cards is going to say issued by Bank
12:06
Speaker 3: of America, City Bank, Bank of England, Bank of London,
12:10
Speaker 3: Bank of Australia, Bank of India, Bank of Tokyo. If
12:14
Speaker 3: it's done by a bank, it's a fake one because
12:17
Speaker 3: they are not a camera store. They do not have
12:21
Speaker 3: an outstanding unpaid invoice. So that's right there that there
12:25
Speaker 3: are true credit cards and you have to pay those.
12:28
Speaker 3: So then we well, wait, I went to Amazon and
12:31
Speaker 3: I bought it, and I bought it with an Amazon card. Yes,
12:33
Speaker 3: that's a bank issued. So that's the difference is a
12:38
Speaker 3: bank issued credit card? Is that we're discerning what kind
12:42
Speaker 3: of credit cards there are. So the phony ones are
12:44
Speaker 3: the bank issued, the true ones are a store issued.
12:48
Speaker 3: And how you tell is look in the back to
12:50
Speaker 3: see if it says issued by a bank.
12:54
Speaker 2: Oh okay, So if it's issued by a bank and
12:58
Speaker 2: I didn't sign a promised sory note, then that means
13:01
Speaker 2: that I should have no debt with that bank. Is
13:04
Speaker 2: that's basically a short version of what you're saying.
13:08
Speaker 3: Yes, as absolutely true, you got it. Most people don't
13:14
Speaker 3: get it that quick. So you said you got it.
13:16
Speaker 3: It's great. So think about this. One hundred years ago,
13:21
Speaker 3: you went into the general store. You said, hey, Charlie,
13:23
Speaker 3: I need five pounds of flour a pound of sugar,
13:26
Speaker 3: and my crops are coming in a couple of weeks.
13:28
Speaker 3: I'll pay you. Then, oh yeah, Melissa, we got you
13:30
Speaker 3: down here and they got a long list. You say, hey, Charlie,
13:34
Speaker 3: can I borrow ten thousand dollars? He goes, what do
13:36
Speaker 3: you think? I am a bank? So you have to
13:39
Speaker 3: establish right now that it's impossible for a bank is
13:43
Speaker 3: you a credit card? Because they don't do any goods
13:46
Speaker 3: or services. They didn't sell you a camera, they didn't
13:50
Speaker 3: come out of your house into a plumbing job. The
13:52
Speaker 3: bank is about loans. Okay. So once we established they
13:56
Speaker 3: could never have issued a credit card, that's the evidence
14:00
Speaker 3: I need for your crime that you're emitting. It that
14:02
Speaker 3: you're trying to report is that your credit report shows
14:05
Speaker 3: your bank there's credit cards. That's the evidence I need
14:10
Speaker 3: so that you can then complain to the police. That's
14:12
Speaker 3: your local police, but there is the police that watches
14:14
Speaker 3: the banks. They're stayer, federal, provincial, and things like that.
14:18
Speaker 3: So if I would complain and now you have evidence
14:20
Speaker 3: of a crime, you have the proof that you are
14:24
Speaker 3: a victim, and now we send that letter to the bank.
14:27
Speaker 3: So I'm getting a little bit ahead of myself. But let's
14:29
Speaker 3: go through this thing too. Now you're saying a loan.
14:32
Speaker 2: Is that what you're saying, right, Okay, So it's different.
14:37
Speaker 2: Just so I'm clear, Let's say you took out a
14:43
Speaker 2: loan because you had equity in your house from the bank.
14:46
Speaker 2: That is a different thing that we're talking about. Because
14:48
Speaker 2: I'm signing all this paperwork. I took a line of
14:51
Speaker 2: credit out, you know, using my house's collateral. That's completely different, right,
14:57
Speaker 2: all the paperwork I have to sign to get approved
14:59
Speaker 2: for that is a different scenario. Then Hey, I would
15:03
Speaker 2: like to get a bank issued credit card because I'm
15:05
Speaker 2: not They're they're giving me a loan, but they're not
15:10
Speaker 2: supplying me any goods and services. Is am I understanding this?
15:15
Speaker 2: It's it's very confusing, if you know what I mean.
15:19
Speaker 2: Like for us lay people who would never even think
15:22
Speaker 2: about that because you're thinking, okay, well, the bank said, yeah,
15:25
Speaker 2: you have you know, eight hundred credit score, you have
15:27
Speaker 2: great credit. I'm going to give you. You have a credit
15:29
Speaker 2: line up to fifty thousand dollars, you know, with the
15:32
Speaker 2: expectation that you're going to pay back, and they love
15:35
Speaker 2: when you don't pay it all back because the interest
15:37
Speaker 2: is where they make their money. Right, that's they love that,
15:40
Speaker 2: you got that right, direct, that's the fraud. Okay, there's
15:44
Speaker 2: the magic.
15:45
Speaker 3: Okay, go ahead, Yeah, there is magic and there's also
15:49
Speaker 3: black magic, right okay, yes, well magic, Well the evil
15:53
Speaker 3: magic is by your bankster. That's what we call them banksters.
15:57
Speaker 3: They are criminals. They are dangerous evil. So here's what
16:01
Speaker 3: happens is that let me ask you a question, Melissa.
16:04
Speaker 3: If you apply for a loan and you're turned down,
16:09
Speaker 3: you still get the loan. No, no, you don't get
16:13
Speaker 3: the loan. You no down. So that's the important thing
16:16
Speaker 3: to say is when you say the word application, it
16:19
Speaker 3: means a request. You are not getting the loan you
16:23
Speaker 3: are requesting. So if they approve you of the loan,
16:26
Speaker 3: then you go into the bank and you fill out
16:28
Speaker 3: loan documents. You that you're just describing all that paperwork.
16:33
Speaker 3: So you have to show an income. Yeah, because how
16:36
Speaker 3: are you going to pay this loan back if you
16:38
Speaker 3: don't have an income? So you stop and think about this.
16:42
Speaker 3: The bank is brought into court and the judge says,
16:45
Speaker 3: you're loaning people money without having an income. That's predatory.
16:51
Speaker 3: Now wouldn't you agree that that would be not a
16:53
Speaker 3: good thing for the bank to do?
16:55
Speaker 2: So yeah, but don't you have to tell the bank that?
16:58
Speaker 2: Like they ask you, like how much do you make
17:00
Speaker 2: a year? And you, you know, you tell them what
17:03
Speaker 2: you make a year.
17:03
Speaker 3: You know, yeah, they tell you, but they don't verify.
17:09
Speaker 2: They don't I know, you're right, they don't verify.
17:12
Speaker 3: A million dollars. So he gave a million dollar loan
17:15
Speaker 3: and now we confiscated on their property. But but but no,
17:19
Speaker 3: they just said that you don't know. You didn't verify that.
17:21
Speaker 3: So the bank has to verify that. Right. You have
17:24
Speaker 3: to bring us stub your paid, the proof of your
17:27
Speaker 3: right money from your account.
17:29
Speaker 2: What you had to do, like when you were taking out,
17:32
Speaker 2: like say, a line of credit using your house says credit. Yeah,
17:36
Speaker 2: because I've done that before, and I remember the paperwork
17:39
Speaker 2: process Basically, I had to give my blood, you know,
17:42
Speaker 2: for them to give me that.
17:44
Speaker 3: Well, how are they going to get paid? And that's
17:47
Speaker 3: your blood is your collateral. So you've said it several times.
17:52
Speaker 3: You put your house up exactly. Yes, when you go
17:55
Speaker 3: for a loan, you don't pay for it. The bank
17:58
Speaker 3: can legally take something away from you, your blood, and
18:02
Speaker 3: go and sell it. Now, if they sell it and
18:05
Speaker 3: they come up short plus, their problem. Right, if they
18:08
Speaker 3: come up long, meaning they're making money, they don't get
18:12
Speaker 3: to make the money. They got to pay you the difference.
18:15
Speaker 3: So if you have a one hundred thousand dollars a
18:17
Speaker 3: loan and you put your yacht worth a million up
18:19
Speaker 3: and they sell for a million, they don't get to
18:21
Speaker 3: keep the nine hundred thousand. They got to pay off
18:23
Speaker 3: their loan that you loan the money from, and then
18:26
Speaker 3: they get to have to give you back the difference
18:29
Speaker 3: nine hundred thousand. So that's what we're talking about. You
18:32
Speaker 3: have to have collateral, and you also have to have
18:35
Speaker 3: a credit report, and a credit score determines your interest rate.
18:39
Speaker 3: But the last thing you sign is a promise, promise
18:45
Speaker 3: to pay it back. So that doesn't exist with a
18:49
Speaker 3: credit card because the bank cannot issue a credit card.
18:52
Speaker 3: You see, if you speak the language of the criminal,
18:55
Speaker 3: you'll never win this argument. You have to start with
18:58
Speaker 3: the truth and that's the important things. That judge, that
19:02
Speaker 3: federal judges threw my case out. He called me into
19:04
Speaker 3: court because we're about to have a deposition. The bank
19:08
Speaker 3: have to send one of o're employees to my office
19:10
Speaker 3: and answer all my questions under oath. And they don't
19:13
Speaker 3: want to reveal this crime. These are criminals. The last
19:16
Speaker 3: thing they want is any kind of exposure. So now
19:19
Speaker 3: I'm pulling the curtain back. There is you know, there's
19:21
Speaker 3: a guy behind him manipulating us. So paying no attention
19:24
Speaker 3: to the man behind the curtains. Y oh yeah, we're
19:25
Speaker 3: paying a lot of attentions. So they were. I was
19:28
Speaker 3: calling that into a deposition, So I got called in
19:31
Speaker 3: the court. The judge said, District cup aactor, do you
19:33
Speaker 3: have a credit card? Well, let me start at the beginning. Oh,
19:36
Speaker 3: we'll sort of begin a little later. Do you have
19:38
Speaker 3: a credit card? I said, well, it's sort of as
19:40
Speaker 3: a gift card, a gift card. Put your card out.
19:43
Speaker 3: I pulled my card out. You go read what it
19:45
Speaker 3: says right there. Credit card. You're an idiot, get out
19:48
Speaker 3: of here. So so the bank needed this case to
19:52
Speaker 3: go away, so they use a judge. So this is
19:54
Speaker 3: the whole thing about using the language. So the truth
19:58
Speaker 3: is that when you apply for a loan, you have
20:01
Speaker 3: to have income and prove it. What you don't with
20:04
Speaker 3: a bank issued alleged credit card application, and they don't
20:08
Speaker 3: have any collateral, and you don't sign a promisory note
20:11
Speaker 3: that's all required by the banking regulations. Have to sign.
20:16
Speaker 3: And here ties in explaining about what you have. Your
20:20
Speaker 3: your audience is suffering today. Okay, when people got that
20:24
Speaker 3: stimulus check, they were giddy. Oh my gosh, I got
20:27
Speaker 3: a thousand and two thousands. A lot of people got
20:29
Speaker 3: similars from COVID, and that increase the amount of currency.
20:36
Speaker 3: When you increase the currency, prices go up. So now
20:39
Speaker 3: all the house prices have doubled. When you bring in
20:42
Speaker 3: tens of millions, thirty forty fifty million, I don't know
20:46
Speaker 3: how many people were here and they buy a house.
20:48
Speaker 3: How can they buy a house? The government and the
20:50
Speaker 3: banks are giving them loans. There's the one company just
20:54
Speaker 3: went out of business. They were giving loans to illegals.
20:57
Speaker 3: They didn't have a social Security number, they didn't have
20:59
Speaker 3: to have income. All they do is breathing and side
21:02
Speaker 3: and it didn't matter who they were, and they got
21:04
Speaker 3: a car loan. Well, the fraud wasn't really that sup
21:08
Speaker 3: per se. What these companies did try cover They went
21:12
Speaker 3: to several different banks and got loans on all these loans.
21:17
Speaker 3: They got their own personal big loan from having evidence
21:20
Speaker 3: of this of this asset. But they use the same
21:23
Speaker 3: asset to sit from different banks. So that's the fraud.
21:25
Speaker 3: And they went out of business. So there's no more
21:27
Speaker 3: illegals in a sentence, you know. So this is going
21:29
Speaker 3: to have a rippling effect. So people that bought a
21:33
Speaker 3: house because they were illegal had two or three families
21:35
Speaker 3: living in it. They can make the payment. So with
21:38
Speaker 3: all these people gone, all these houses are on the
21:40
Speaker 3: market and it's going to be devastating. So people are
21:43
Speaker 3: in real deep trouble. So it's from this issuance of
21:46
Speaker 3: this credit by the banks the criminals. So what I'm
21:50
Speaker 3: saying is that the banks, how what they do. They
21:53
Speaker 3: let's just get down to the nitty pretty what's happening?
21:56
Speaker 3: Banks advertise, right, yeah, oh yeah, okay, oh yeah. They
22:01
Speaker 3: advertised they wanted a customer. Yep. And then years ago
22:05
Speaker 3: they bought toasters and wall clocks and had them in
22:09
Speaker 3: the bank. Your mother went into a bank and they said, oh,
22:13
Speaker 3: if you apply for you open an account today, we'll
22:17
Speaker 3: give you a toaster.
22:18
Speaker 2: Yeah I remember hearing about that stuff. Yeah. Okay, yeah.
22:22
Speaker 3: Your dad comes home from work, he says, how do
22:24
Speaker 3: we get the new toaster? The bank gave it to us,
22:27
Speaker 3: gave it to you. Why would they do that to
22:29
Speaker 3: open account? Did it cost you? I think? No? Okay,
22:34
Speaker 3: that's great. Now. One time they had an advertisement in
22:37
Speaker 3: the paper that said, come into a bank and deposit
22:39
Speaker 3: twenty five dollars and we'll match it in ninety days.
22:43
Speaker 3: I do. I took my twenty five dollars, opened up
22:46
Speaker 3: a savings account. We did ninety one days, and went
22:50
Speaker 3: in took out my money fifty dollars. So my twenty
22:53
Speaker 3: five and the bank's twenty five. Think about that, right,
22:57
Speaker 3: my twenty five and the bank twenty five, and I
22:59
Speaker 3: close you account. Let me ask you a question, Melissa.
23:01
Speaker 3: Did I do something illegal?
23:04
Speaker 2: No?
23:05
Speaker 3: No? Did I repark the bank? No?
23:08
Speaker 2: You they all forget to match it, and you you
23:12
Speaker 2: decided to glow.
23:13
Speaker 3: So let me ask you a good question. Was that
23:16
Speaker 3: immoral what I did?
23:18
Speaker 2: Well, I wouldn't say, I mean a moral is But
23:21
Speaker 2: you knew going in that you were, yeah, taking that
23:26
Speaker 2: you were going to like, okay, I'm going to get
23:27
Speaker 2: the twenty. You took advantage of the bank. Yeah, I
23:30
Speaker 2: don't know how much of me that's yeah.
23:32
Speaker 3: But did I break the commandment? Was that? No?
23:35
Speaker 2: No, no strong? Yeah.
23:41
Speaker 3: I fulfilled their agreement and I waked out with a
23:44
Speaker 3: bank with dollars and they were very not happy to
23:46
Speaker 3: see me lee, but they sort smiled and they said, Okay,
23:49
Speaker 3: come on back if you want to, So there will
23:52
Speaker 3: need to be a customer.
23:53
Speaker 2: Is when the banks got bailed out by Obama? What
23:57
Speaker 2: was that in two thousand and eight or nine or
23:59
Speaker 2: something like that. Is it because of the banks doing
24:03
Speaker 2: all these loans that they knew or giving, you know,
24:07
Speaker 2: that they shouldn't have been doing, Like I know they
24:09
Speaker 2: were doing a lot for you because you mentioned the
24:11
Speaker 2: housing market. Is that what caused all the trouble with
24:14
Speaker 2: the banks that they had to get bailed out by
24:17
Speaker 2: the government.
24:19
Speaker 3: Well, it's how you look at it. On the one side,
24:22
Speaker 3: look at it as employees if you are felthy rich,
24:25
Speaker 3: then you have employees, and they work for the Federal
24:28
Speaker 3: Reserve and they work for a thing called Congress, and
24:31
Speaker 3: so you buy them. You've had, you have your lobbyists,
24:34
Speaker 3: so they're your employees. So on the one side, you
24:38
Speaker 3: have Congress that passes laws that forces the bank to
24:42
Speaker 3: give loans that people who can't pay it back. Right,
24:45
Speaker 3: and then you turn right around and now they accept
24:48
Speaker 3: those loans, and now the government's coming after you, just
24:51
Speaker 3: like the student loans. Now think about this. You're going
24:55
Speaker 3: to loan one hundred thousand million dollars to a sixteen
24:58
Speaker 3: or seventeen year old child. You can sign a contracts,
25:02
Speaker 3: you get the mother and the father to coside off.
25:05
Speaker 3: You are to school with a promise of a job,
25:08
Speaker 3: not even a promise of a job.
25:10
Speaker 2: Not even a promise of a job. Yeah, and then
25:12
Speaker 2: the interest rate is the interest rate, and what they
25:15
Speaker 2: get back is I mean, that's why they're doing it, right,
25:17
Speaker 2: because they're making money on the interest I mean that
25:19
Speaker 2: has to be the reason. Because the banks, if banks
25:22
Speaker 2: are doing this knowingly doing this to make money, because
25:26
Speaker 2: that's what the bank wants to do obviously, is make money.
25:29
Speaker 2: They're making money off of interest, correct, Is that how
25:32
Speaker 2: they're making most of their money?
25:34
Speaker 3: Absolutely? Just I just think that one the one thought here. Today.
25:38
Speaker 3: You buy one share of Bank of America, which is
25:42
Speaker 3: all that. Okay, one bank, You buy one share, you're
25:45
Speaker 3: now a shareholder. You are now the owner of the bank, right,
25:49
Speaker 3: got it right? So you want the bank to make money, right,
25:54
Speaker 3: So how are they going to make money? Well, they lie,
25:57
Speaker 3: steat and shield. That's why they call it banksters. But
26:00
Speaker 3: you actually have to share stocks. Let me ask you
26:02
Speaker 3: a question. Would you want your bank the loan not
26:06
Speaker 3: your money to people who can't pay it back? No? No, no.
26:12
Speaker 3: Do you want your bank to loan money to people
26:15
Speaker 3: who don't even have an income?
26:18
Speaker 2: No?
26:19
Speaker 3: No, one. Last question, would you want that loan? You
26:23
Speaker 3: want your bank to loan your money to people who
26:25
Speaker 3: don't even promise to pay it back? No?
26:30
Speaker 2: No, that's interesting.
26:31
Speaker 3: Yeah.
26:31
Speaker 2: So no, I'm starting to get it now, I'm getting yeah,
26:35
Speaker 2: it is it is. Okay, let's take our break here, Tommy,
26:37
Speaker 2: and we'll come back and then I want to talk
26:39
Speaker 2: more about your experience in court and what the judge
26:42
Speaker 2: said and everything. So all right, guys, stay tuned and
26:44
Speaker 2: we will be back in just a couple of minutes.
26:51
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27:43
Speaker 2: Hi. I'm Melissa Kaprio from Postcards to the Universe, Creating
27:47
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Speaker 2: ome Times Radio with my show Postcards to the Universe,
28:32
Speaker 2: Creating the Life you Crave at four pm Eastern Time.
28:36
Speaker 2: I share chips on creativity, abundance and prosperity, and you
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Speaker 2: will be introduced to the coolest guests, trailblazers, mystics and
28:43
Speaker 2: creatives who enrich our lives. Hi and welcome back. And
28:53
Speaker 2: I'm talking to Tommy Kilpatrick today and we're talking about
28:56
Speaker 2: nuking our credit card debt. Very interesting conversation. I have
29:00
Speaker 2: to say, Tommy, Okay, so you you so people come
29:04
Speaker 2: to you and say, I know you've done this, Tommy,
29:07
Speaker 2: help me and you guide them in the process. Is
29:11
Speaker 2: that is that the work that you're doing now?
29:14
Speaker 3: Yeah? Well, what was the success of my court case?
29:17
Speaker 3: So just to kind of review what we have talked
29:19
Speaker 3: about is that one the banks could never have issued
29:22
Speaker 3: a credit card because they're not a merchant. Banks are alone.
29:27
Speaker 3: So then we determined that the banks don't. The only
29:30
Speaker 3: they can do a loan is with a promisory note.
29:32
Speaker 3: It's had a promisory note and broad unders all contracts.
29:36
Speaker 3: So here's what I'm saying. It's not a get at
29:38
Speaker 3: a depth scheme. I'm your victim's right advocate. You are
29:42
Speaker 3: a victim of a crime by the bank to you.
29:45
Speaker 3: So that's what we're talking about, and we have the evidence,
29:48
Speaker 3: there is the authorities. Then you can do this very
29:51
Speaker 3: simple by sending a letter to the bank asking a
29:53
Speaker 3: closure free checking account in forty five days of the
29:56
Speaker 3: outre credit board. I have had a charity. A friend
29:59
Speaker 3: of mine had dormant charity. She gave me and I
30:01
Speaker 3: turn and prampted, revamped it in credit repair. And many
30:04
Speaker 3: people did have some bank issued alleged credit card, and
30:08
Speaker 3: I would write a letter to the bank and it'll
30:10
Speaker 3: be off their credit port. If they didn't do that, wow,
30:14
Speaker 3: Well if the bank doesn't do that, okay, well, then
30:17
Speaker 3: I sent a letter to the credit reporting agency that
30:20
Speaker 3: is required by law remove fraud off your credit report.
30:23
Speaker 3: So I have the evidence. You file the complaints and
30:26
Speaker 3: we have sought and so in forty five days, the
30:29
Speaker 3: credit point agencies remove it on your credit pord. So
30:31
Speaker 3: that's all we want happen is off your credit pord.
30:34
Speaker 3: We don't want to keep good stuff. So that's why
30:37
Speaker 3: we asked the bank to stay closed by consumer in
30:40
Speaker 3: good standing. And they do that because they're the criminal.
30:43
Speaker 3: They don't want to admitted, they don't want to put
30:45
Speaker 3: it out. So we're kind of talking about how banks
30:48
Speaker 3: advertise and get you to be as a customer. So
30:52
Speaker 3: why when I talked about how they gave you a
30:55
Speaker 3: wall clock or a teaster years ago, they will give
30:59
Speaker 3: you money match your deposit. And that's where I want
31:02
Speaker 3: to say. In her show notes that link number four
31:04
Speaker 3: is a guy on YouTube says do that. He brags
31:08
Speaker 3: about it. He's made three hundred and sixty one dollars.
31:11
Speaker 3: So people that are out there struggling, all you do
31:13
Speaker 3: is find a bank is offering to match or deposit.
31:16
Speaker 3: Follow that through. And we both talked about it, that's
31:19
Speaker 3: not immoral, said it wasn't immoral. If the bank says
31:22
Speaker 3: do this and we'll double your money, Well, then find
31:24
Speaker 3: take advantage of it. This is no different than the
31:28
Speaker 3: five hundred dollars credit card from Capital One. The card
31:34
Speaker 3: came to you as a gift. Didn't buy it, didn't
31:38
Speaker 3: borrow it, didn't loan it. It just arrived in the mail,
31:41
Speaker 3: sometimes unsolicited. You've heard of that. It just came in
31:45
Speaker 3: the mail. And that's why the banks are doing this.
31:48
Speaker 3: They want you to be a customer.
31:49
Speaker 2: They want you to be a customer.
31:52
Speaker 3: Right, what's the big deal about being a customer? Look
31:55
Speaker 3: it up yourself. Okay, I typed up two months ago.
31:58
Speaker 3: What does the average person pay on a credit card fee?
32:02
Speaker 3: And in the United States it's twenty three dollars and
32:04
Speaker 3: four cents. So the Bank of America has a million cardholders.
32:09
Speaker 3: They're bringing twenty three million dollars a month and that's
32:14
Speaker 3: about one fourth of their profits. They're saying, well, why
32:17
Speaker 3: don't the banks close this loophole. They're criminals, they are scout.
32:22
Speaker 3: There's ways they're doing this whole thing to feal the
32:29
Speaker 3: money from us, and that's what they're up to. So
32:32
Speaker 3: that's what is happening, is that you actually get a
32:35
Speaker 3: gift card. That's what came and then mail. So let's
32:39
Speaker 3: walk this through. So you apply for a credit card,
32:43
Speaker 3: you don't have to have any proof of income. You
32:45
Speaker 3: don't really have to have anything else. Maybe a credit report,
32:49
Speaker 3: credit score shows you how much is it going to
32:50
Speaker 3: give you? The word is give you. So again the
32:53
Speaker 3: language is so important. So if the bank is going
32:56
Speaker 3: to issue a alleged credit card, which they can't do,
33:00
Speaker 3: getting you to be suckered you into your customer, that's
33:02
Speaker 3: what they want you to do. So they send you
33:04
Speaker 3: a five hundred dollars but let's say it's a five
33:07
Speaker 3: thousand dollar. It doesn't matter the number. They can write
33:10
Speaker 3: down any numbers at all because they don't cost them anything.
33:13
Speaker 3: There's no loan, they didn't he go borrow from somebody else.
33:15
Speaker 3: It's all just made up numbers in pre checking. So
33:19
Speaker 3: like your example earlier in the hour, you talked about
33:21
Speaker 3: buying a camera. So you have a five thousand dollars
33:25
Speaker 3: camera you purchased without paying for it, and that was
33:28
Speaker 3: a gift card. So you use the gift card at
33:32
Speaker 3: the camera store and you walked out with a five
33:36
Speaker 3: thousand dollars camera. But you're never going to get a
33:38
Speaker 3: statement from them. They do not have an outstanding unpaid
33:42
Speaker 3: invoice because you have a receipt. They asked you, hey,
33:45
Speaker 3: wait a second, Melissa, you actually paid for that. You
33:48
Speaker 3: showed the person at the door you're receiving. Okay it,
33:51
Speaker 3: you own that camera. But the camera store didn't get
33:54
Speaker 3: paid that night. That night or the next day, they
33:58
Speaker 3: can be paid by who well of Bank of America. Right,
34:05
Speaker 3: So the camera store knows they're going to be paid
34:07
Speaker 3: that night or the next day by Bank of America,
34:09
Speaker 3: so they're paid for it. So the bank is not
34:12
Speaker 3: a camera store. So they paid for it, and you
34:14
Speaker 3: think it's a loan. So you get a statement at
34:17
Speaker 3: the end of the month and you think it's a bill.
34:20
Speaker 3: That's the fraud they're making. You think that this is
34:23
Speaker 3: a bill. It's not a bill. A bill is an invoice.
34:28
Speaker 3: That's where I have accounting background. So anybody who's had
34:31
Speaker 3: one class of accountant knows I'm exactly correct on this.
34:34
Speaker 3: So why the bank does that is they trick you
34:37
Speaker 3: into thinking you owe money on a free checking account. Right,
34:41
Speaker 3: So you get this statement and you never paid from
34:45
Speaker 3: a statement. Melissa, you may have never had an experience
34:49
Speaker 3: I had, so I'd come out of college I didn't
34:52
Speaker 3: finish my CPA credentialship, but I got my first job
34:55
Speaker 3: as an accountant. I know how to do the work.
34:57
Speaker 3: And the CFO, which is a c walked up to
35:01
Speaker 3: me and put a finger in my face and said,
35:02
Speaker 3: if you pay from a statement, I'm going to fire you.
35:05
Speaker 3: Our owners to deals all the time is a deal,
35:09
Speaker 3: is never a deal until the very end. You may
35:11
Speaker 3: not even this may not be a bill. So the
35:14
Speaker 3: other time is that we may have paid that last
35:16
Speaker 3: week and the check has crossed the mail. So you
35:19
Speaker 3: never paid from a statement, only from an approved invoice.
35:23
Speaker 3: So that's my experience. So I know you never paid
35:26
Speaker 3: from a statement. But you get the statement in the mail,
35:29
Speaker 3: it's from the bank, it's from a phony card, and
35:31
Speaker 3: you think it's a bill. So you do the right thing,
35:33
Speaker 3: even lied to and doctor and brainwashed to think that
35:37
Speaker 3: this is a bill. Okay, you find it. So Melissa,
35:40
Speaker 3: you do the right thing. You write a five thousand
35:42
Speaker 3: dollars check from the Bank of let's say Australia. So
35:45
Speaker 3: from the Bank of Australia, you write a five dollar
35:47
Speaker 3: check to a Bank of America. Here's a question, is
35:50
Speaker 3: that the first time banked America has ever seen your money.
35:58
Speaker 2: No, No, I'm probably not. I mean, I don't think so.
36:04
Speaker 3: The question, right, let's slow it down. A card comes
36:07
Speaker 3: into mail. You didn't even apply for it, it was
36:10
Speaker 3: pre approved. You get a card from Bank of America.
36:13
Speaker 3: You go to this camera store and you buy a camera.
36:16
Speaker 3: You write a check from Bank of Australia to Bank
36:21
Speaker 3: of America. Isn't that the first time the bank is say.
36:25
Speaker 2: Yeah, yes, yes, yes, yes, okay.
36:29
Speaker 3: I appreciate it very much because this is very typical.
36:31
Speaker 3: Most people going, wait a second, got to its three
36:35
Speaker 3: more times, which you got it perfect. So it's the
36:37
Speaker 3: first time Bank of America has ever seen your money.
36:40
Speaker 3: Banks are only about loans. So when you have no
36:43
Speaker 3: money and you go into a bank, you hope to
36:46
Speaker 3: come out with more money through a loan. Right, Well,
36:49
Speaker 3: the opposite is true. In the show notes, the very
36:53
Speaker 3: first link says that this is from a legal website
36:55
Speaker 3: that says banks do not take deposits people. They do
36:59
Speaker 3: not out that there potter's money to you. And what
37:02
Speaker 3: they do is you are loaning the money to the bank.
37:06
Speaker 3: So when you take money, your five thousand dollars put
37:10
Speaker 3: an end to Bank of America, you're actually loaning the
37:13
Speaker 3: bank five thousand dollars. How you get access to your
37:16
Speaker 3: money is through your debit card. Right from the beginning,
37:21
Speaker 3: right from the beginning of this conversation, you were talking
37:23
Speaker 3: about a debit card. Here's when that comes into place.
37:25
Speaker 3: So they have to get you to be a customer
37:28
Speaker 3: first for a gift. So they gift you because think
37:32
Speaker 3: about this, Melissa, if they gave you in my example
37:36
Speaker 3: is a five hundred dollars bank issued Allege credit card,
37:39
Speaker 3: and they're making twenty three dollars a month in about
37:43
Speaker 3: twenty two or twenty three months, they're going to make
37:45
Speaker 3: back five hundred right sure, sure, sure. So now that
37:50
Speaker 3: goes back to their advertising budget. Now how they paid
37:54
Speaker 3: your camera store. The five thousand came from their advertising
37:58
Speaker 3: budget because they know they're going to make three and
38:00
Speaker 3: especially in your credit score is so high. That's why
38:03
Speaker 3: they knew you're a good person. You'd be a good
38:05
Speaker 3: sucker for the scam. So that's why they keep giving
38:08
Speaker 3: you more and more credit, because they're going to scam
38:11
Speaker 3: you to get you into pain more and more. Then
38:12
Speaker 3: interest rates go to twenty nine thirty nine. I've seen
38:15
Speaker 3: it seventy nine point nine. That's the highest out of
38:18
Speaker 3: the body team. Right, So that was written down and
38:22
Speaker 3: that's why they're paying. But they're paying seven percent interest
38:25
Speaker 3: on money they don't have to deposit. It's on what
38:28
Speaker 3: the bank wants you to deposit. Again, so let's think
38:31
Speaker 3: about this. You send your money to the Bank of America.
38:35
Speaker 3: That's a loane, so your debt, your gift card turns
38:40
Speaker 3: into a debit card. You don't get checks in this
38:44
Speaker 3: free checking account. The only way you can access your money.
38:47
Speaker 3: Thinking about this, Melissa, they got you to be a customer. Nice.
38:51
Speaker 3: They gave you a toaster. They're not charging for a toaster.
38:54
Speaker 3: So you go and you do your normal checking account.
38:57
Speaker 3: This one. You loan the bank five thousand and the
39:01
Speaker 3: only way you get access to your money is to
39:03
Speaker 3: your debit cards. Every courchase you've made has been with
39:08
Speaker 3: your own money. Every month, get a statement. Think about that.
39:13
Speaker 3: If you do, you have a normal checking account, you
39:16
Speaker 3: get a statement every month, right of course, Right of course,
39:20
Speaker 3: is that a bill on your normal checking account? No no, no, no,
39:25
Speaker 3: no no, it's just.
39:26
Speaker 2: Got my bank statement yesterday.
39:29
Speaker 3: No. Yeah, you have to say something, so they're saying
39:33
Speaker 3: something to you. They're saying that this is your beginning balanced,
39:36
Speaker 3: here's your deposits, here's your checks, here's your deb it's
39:39
Speaker 3: another fees, and there's your ending balance. It's not a bill.
39:43
Speaker 3: It's the same thing with the bank issued alleged credit
39:47
Speaker 3: card statement. So that statement is not a bill, so
39:52
Speaker 3: you don't owe anything on it. It just shows you
39:54
Speaker 3: where you spent your money.
39:57
Speaker 2: So the banks know that they're doing that, right, That's
40:00
Speaker 2: why you call them banksters. They and they do this
40:04
Speaker 2: because the more customers they have, the more monthly fees
40:09
Speaker 2: they're going to be racking up. They're going to be
40:11
Speaker 2: bringing themselves in more money, either through interest or if
40:15
Speaker 2: they charge you know, however they you know, mostly through
40:18
Speaker 2: interest and everything, but lates, Oh, they love late fees
40:23
Speaker 2: and overdraft fees. So, but when you have when you
40:26
Speaker 2: do a credit card and alleged credit card through a bank,
40:30
Speaker 2: and you're aren't you when you're signing, isn't that in
40:35
Speaker 2: the terms and conditions that I am expected to pay
40:40
Speaker 2: this back? Isn't that kind of like a promisory note?
40:44
Speaker 4: Or No, it's not.
40:46
Speaker 3: No, I'm very glad you said that, because asked what
40:48
Speaker 3: everybody's thinking, wait a second, right, signed right in the
40:54
Speaker 3: very beginning, I said, if you reply, we're alone, you're
40:57
Speaker 3: turned down. You said, get the loan. No, absolutely not.
41:01
Speaker 3: So if you're telling me an application is a promissory note,
41:06
Speaker 3: then we have two different words. We don't have two
41:09
Speaker 3: different words. We have one word that is application, which
41:12
Speaker 3: means a request. So one time I approved you, then
41:15
Speaker 3: you're going to fill up loan documents. And here's where
41:19
Speaker 3: if you use the card, you've got to be complying
41:22
Speaker 3: to their terms and conditions. Not if there's fraud. Let
41:26
Speaker 3: me give you an example.
41:28
Speaker 2: And what you're keep saying is I just want to
41:30
Speaker 2: just stop you there. So the bank is knowingly committing
41:36
Speaker 2: a fraud when they do that, because because if it
41:42
Speaker 2: wasn't the bank committing the fraud, you wouldn't be issued
41:46
Speaker 2: a promissory note, correct, they would issue a promisory Okay,
41:52
Speaker 2: you've got it right.
41:53
Speaker 3: So if it's not a promissory note and you got
41:56
Speaker 3: something from a store, well then you owe the money
41:59
Speaker 3: because it's their product they sold you, and can we
42:03
Speaker 3: sell it to you. They gave it to you, walked
42:04
Speaker 3: out without the import and they believe that you're going
42:06
Speaker 3: to pay them back. But the bank issued, that's the
42:10
Speaker 3: main thing is the bank issued is a scam. They're
42:13
Speaker 3: scamming you, and that's what they're trying to do is
42:16
Speaker 3: get more money to.
42:17
Speaker 2: Their hold because they're not a merchant.
42:20
Speaker 3: They're not a merchant, so they do not have an
42:23
Speaker 3: outstanding unpaid invoice. So that's the important thing. And they
42:27
Speaker 3: didn't issue alone because there's no promise to pay it back.
42:31
Speaker 3: We went through that scenario too. You're not going to
42:34
Speaker 3: loan people money that don't promise to pay it back
42:36
Speaker 3: because there's no promise to pay it back because you
42:39
Speaker 3: didn't borrow anything. It's your own.
42:42
Speaker 2: I'm getting it now, I'm understanding it now. So when
42:46
Speaker 2: you were in court and you're sitting there against the
42:51
Speaker 2: credit card company or the bank whoever you had the
42:53
Speaker 2: eighty five thousand dollars debt with, and you're sitting in
42:57
Speaker 2: front of a judge and you're having all this paperwork
42:59
Speaker 2: and so what what was that you represented yourself? So
43:05
Speaker 2: what was the judge like saying like like like when
43:09
Speaker 2: you're I just like I can't imagine everybody else's thoughts
43:14
Speaker 2: and what was going on in their head and the bank,
43:17
Speaker 2: and you know, the judge when you're like, like, do
43:20
Speaker 2: you understand because this is what's in this is what's legal.
43:23
Speaker 2: You're looking at what's in the paperwork and what you
43:25
Speaker 2: have in front of you, So what like what kind
43:28
Speaker 2: of happened there that situation?
43:31
Speaker 3: But I'm going to answer that with actually a couple
43:34
Speaker 3: of questions. First, is it possible you, your audience and
43:38
Speaker 3: me too put me in the game category? Is it
43:41
Speaker 3: possibly I've been lied to? Brainwash is absolutely, I'm not
43:51
Speaker 3: here to insult your audience. Okay. What I'm trying to
43:54
Speaker 3: say is if a lie is a lie, and we
43:57
Speaker 3: can tell right away what a lie is, right, it's
43:59
Speaker 3: not truth. But what happens if it's told generationally? Your
44:04
Speaker 3: mom says, Melissa, this is a credit card, you owe
44:08
Speaker 3: the money. There you go. So if you don't question it,
44:12
Speaker 3: you aren't brainwashed. So back to your question, the judge,
44:16
Speaker 3: the attorneys, the whole system is brainwashed. If you use
44:21
Speaker 3: the language of the criminal of the brainwashing, you're gonna
44:24
Speaker 3: never have an argument. You're gonna lose every single time.
44:27
Speaker 3: So when you go into court, he said, yes, Judge,
44:29
Speaker 3: I have credit card. That's why the judge read my leading.
44:34
Speaker 3: He knew that I was revealing the crime the banks
44:38
Speaker 3: were committing that he has shares of He owns the
44:42
Speaker 3: shares of these banks. He's part of the whole system.
44:45
Speaker 3: So he cannot let me expose to the world that
44:49
Speaker 3: there is a bank fraud worldwide going on. He's got
44:52
Speaker 3: to keep it under wraps. So that's why he called
44:54
Speaker 3: me in and not the defendants. And my falla time said,
44:58
Speaker 3: that's very unusual. Banks. Judges don't do this. They're just
45:01
Speaker 3: into like scheduling, that's what they're interested in. When are
45:04
Speaker 3: we going to come to trial? But it was when
45:06
Speaker 3: I had the bank bringing a person to my office
45:10
Speaker 3: under the deposition they were going to have to answer
45:13
Speaker 3: all my questions and bring the evidence. They don't have
45:15
Speaker 3: any evidence. They would be revealed as a crime that
45:18
Speaker 3: would be in the court record, and anyone I could
45:22
Speaker 3: just say, hey, look my case up right there. I
45:25
Speaker 3: want here's a jury that said, yes, you're absolutely right,
45:27
Speaker 3: we're all screwed. And so they don't like the bank,
45:29
Speaker 3: so they threw it out. So that's what they're up to.
45:33
Speaker 3: So how you resolve this whole thing is this if
45:37
Speaker 3: if I'm saying that you're a crime victim, You've got
45:41
Speaker 3: to have some evidence, right, you just can't say you are, Well,
45:45
Speaker 3: where's the evidence? So I have my client or my
45:48
Speaker 3: thing I'm advising is to get their credit reports. And
45:52
Speaker 3: if you see Bank of America, Bank of Australia, Bank
45:55
Speaker 3: of London that says credit card, you got them, that's
45:59
Speaker 3: the evidence we need. Then you have to prove that
46:03
Speaker 3: you're actually a victim. And how you do that is
46:06
Speaker 3: you send in a complaint. So there are complaint forms
46:10
Speaker 3: online and I want you to keep a copy of it.
46:12
Speaker 3: To the Bank of Control Currency, the Federal Reserve, there's
46:17
Speaker 3: all kinds of state and federal authorities, the Attorney General's office.
46:21
Speaker 3: We have you file all these complaints. So now you
46:23
Speaker 3: have evidence of you being a victim. So you show
46:27
Speaker 3: the complaining party the authorities that here is what the
46:32
Speaker 3: proof is and here's my complaint. Okay. Now we send
46:35
Speaker 3: that to the bank. Okay, because what we want the
46:40
Speaker 3: bank to do is to report closed by consumer in
46:45
Speaker 3: good standing because I want credit score higher. Right. That's now.
46:51
Speaker 3: If they don't do that and I go to the
46:53
Speaker 3: credit print agency, I can't ask them to make it
46:56
Speaker 3: a good All I can do is saying it's fraudulent
46:59
Speaker 3: and remove it so we can get your score back
47:01
Speaker 3: up again. So here's a good funny story that you say, Well, Tommy,
47:05
Speaker 3: do you have a credit card? Yeah? So about thirteen
47:09
Speaker 3: years ago, the wife saidn't get out and take the
47:11
Speaker 3: dog with you, and so I became homeless on purpose.
47:14
Speaker 3: I took about poverty for ten years and I had
47:17
Speaker 3: no interaction. So I had a clean credit report, not
47:20
Speaker 3: a clean not a record, and not even a score.
47:23
Speaker 3: So I knew I was coming to the Philippines. I
47:25
Speaker 3: teach farmers here how to build domehouses with bamboo and
47:28
Speaker 3: also vertical gardening, and I'm opening up free medical clinics
47:32
Speaker 3: for them. So to finance this, I wrote a book.
47:35
Speaker 3: So that's what I'm doing. So before I came here,
47:37
Speaker 3: I knew I had to buy an airline ticket with
47:39
Speaker 3: a credit card. Seen me, but I do my little
47:42
Speaker 3: quotes in the air credit card. And then I also
47:45
Speaker 3: had to rent a car with a credit credit card. Car.
47:50
Speaker 3: I applied for a capital one five hundred dollars credit
47:53
Speaker 3: card and they gave me that's the important word. They
47:56
Speaker 3: gave me a five hundred our credit card. I got
47:59
Speaker 3: an instance score of five to twenty five. Now I
48:02
Speaker 3: had knows how they do that. I was a previous
48:05
Speaker 3: customer that was one of the banks I sued and
48:07
Speaker 3: for thirty five thousand dollars I sued them, So I
48:11
Speaker 3: su why would they give me a card? Because they
48:13
Speaker 3: want twenty three dollars and four cents. They know I'm
48:16
Speaker 3: going to be paid, so I'm just gonna be paid.
48:18
Speaker 3: So that's where I got. And then I got to
48:21
Speaker 3: swam a little loan from a credit union, and my
48:23
Speaker 3: score jimpo six twenty five. And then I used fifth
48:26
Speaker 3: I used ten percent, so fifty dollars every month I
48:30
Speaker 3: use on that credit card, so my score goes up.
48:34
Speaker 3: So now I'm a seven ten and I'm gonna show
48:36
Speaker 3: you in a very short amount of time, I'll be
48:37
Speaker 3: back to an eight hundred. And I want to teach
48:40
Speaker 3: your audience that, first of all, they're a victim. I
48:43
Speaker 3: can send a letter to the bank, close the account
48:46
Speaker 3: in forty five days, and turn right around and open
48:49
Speaker 3: a new credit card. I know what, But now you
48:52
Speaker 3: know what the scam is, and you know you're dealing
48:55
Speaker 3: with the banks, and there's as risk to take. And
48:58
Speaker 3: so if you want to take the risk, get your
49:00
Speaker 3: square backup, and now you can have break money in
49:04
Speaker 3: a sensus back to It wasn't immoral to take the
49:07
Speaker 3: double what the bank would offer you in my example
49:10
Speaker 3: of depositing twenty five dollars. So it's all fun.
49:14
Speaker 2: I'm here, I thank you, I think I got it
49:17
Speaker 2: so so so the banks have been scamming us for generations.
49:24
Speaker 2: So this is us getting our money back from the banks.
49:29
Speaker 2: But I want to make sure that people understand. We're
49:32
Speaker 2: not saying that the merchant who you are purchasing goods
49:36
Speaker 2: and services from are getting screwed. They are getting their money, right.
49:40
Speaker 2: It's not like we're you're going out, you're racking up
49:43
Speaker 2: all this credit card debt and you're buying this, and
49:45
Speaker 2: you're doing this, and then the people that have sold
49:47
Speaker 2: this to you, or the companies that sold us to
49:49
Speaker 2: you aren't getting paid. They are getting paid from the bank,
49:53
Speaker 2: and the bank legally isn't selling us anything. So that's
49:59
Speaker 2: why you're writing to the banks and saying you committed fraud. Right.
50:04
Speaker 2: I just want to be clarified, correct, Okay, because I
50:07
Speaker 2: don't want people to think that you're taking from companies
50:12
Speaker 2: or people or you know, for goods and services, and
50:14
Speaker 2: then they're getting screwed out of their money because you
50:18
Speaker 2: are getting those goods and services.
50:21
Speaker 3: You are, and that was from their advertising budget to
50:24
Speaker 3: get you to be a customer so that you will
50:26
Speaker 3: be paying these outrageous interest rates and overdraft fees and
50:30
Speaker 3: late fees and actually cash advanced fees. Can you imagine
50:34
Speaker 3: going to the bank of your checking out and they're
50:37
Speaker 3: gonna take, oh, we're going to charge you twenty percent
50:40
Speaker 3: my money, give me my money.
50:41
Speaker 2: So this is it's out smarting the banks. It's outsmarting
50:45
Speaker 2: the banks as well.
50:46
Speaker 3: You're really selling it's all.
50:48
Speaker 2: Kind of yeah, right, they're they're banks.
50:54
Speaker 3: If the banks are fraudsters and they're criminals, so we're
50:57
Speaker 3: getting them to be admitting that they're criminals.
51:00
Speaker 2: Right, So you figured it out, You found the law
51:03
Speaker 2: and the language, and you figured it out that said, hey,
51:07
Speaker 2: what you've been doing is wrong. Yeah, because when you
51:10
Speaker 2: say that you're the victim. You know, people don't like
51:12
Speaker 2: to think of themselves as a victim, right, But you're right,
51:15
Speaker 2: it's indoctrinated in our our our you know, you can't
51:19
Speaker 2: language live, yeah, in our language, in our everyday life.
51:22
Speaker 2: You can't do anything without a credit card, right, Like
51:24
Speaker 2: you want to rent a hotel room when we need
51:26
Speaker 2: to have a card on file. You know, there's nothing.
51:30
Speaker 2: It's not a cash world anymore.
51:33
Speaker 3: So okay, so I don't help anybody. Let me just
51:37
Speaker 3: tell you this. I don't help anybody unless they have
51:40
Speaker 3: a third party verify I'm correct. So don't believe me.
51:45
Speaker 3: I said, Oh got it again? Right, like an account
51:47
Speaker 3: I got the show notes. Do your own research and
51:50
Speaker 3: just ask as somebody who's who has some knowledge about business,
51:54
Speaker 3: and they're going to tell you how they never thought
51:55
Speaker 3: of it this way. But I'm absolutely right to think
51:57
Speaker 3: does not have an invoice, don't owe that to you
52:00
Speaker 3: didn't sign a promisory note, so there was no loan
52:03
Speaker 3: and three broad undoes all contracts. You're not held to
52:07
Speaker 3: a contract by a criminal. Okay.
52:10
Speaker 2: Right, So now for people who right now have high
52:13
Speaker 2: credit card debt because they're trying to survive and they
52:16
Speaker 2: can't get out from under it, and they're interested in
52:21
Speaker 2: working with you, which tells what should people do? Tell
52:24
Speaker 2: them what to do, like how do they reach first contact?
52:27
Speaker 3: What you said? What you said? I would tell them
52:31
Speaker 3: to pay it? They owe the money. Then they have
52:34
Speaker 3: credit card debt. If they have credit card debt, you
52:37
Speaker 3: owe the money. Now if you say it's bank issued
52:40
Speaker 3: alleged credit card debt, yes, I can help you. And
52:43
Speaker 3: by contacting me Tommy A. Kirkpatrick on Facebook and then
52:46
Speaker 3: the show notes, I have my email and the website
52:50
Speaker 3: and stuff like that. So it's just very simple. I
52:52
Speaker 3: wrote a book and it's called given Forget. It's not
52:55
Speaker 3: forgiving the bank. That's what it is. That you're not
52:58
Speaker 3: asking for the bank to forgive you. You're forgetting the bank
53:02
Speaker 3: the crime. Forgive and forget how to do your credit
53:04
Speaker 3: card then, and I'll give that book to you free
53:06
Speaker 3: if you ask for a free consultation. So all I
53:08
Speaker 3: want to do is help you and we'll be able
53:10
Speaker 3: to make this a world a much better place.
53:12
Speaker 2: And on your website which is diy dash Debt Relief
53:18
Speaker 2: dot com and people sign up, what do they get?
53:20
Speaker 2: Do they get a small book or no, you know,
53:25
Speaker 2: information on how to get started?
53:28
Speaker 3: Yes, they get that, and then I'll do with their
53:31
Speaker 3: name in there and I'll contact them I think this
53:33
Speaker 3: directed correctly to me, and then I'll send them my
53:35
Speaker 3: book for free. So it's a good start. And that's
53:38
Speaker 3: just how they contact me. Yep, very simple.
53:40
Speaker 2: Wow, No, it's super really interesting. It really is interesting
53:45
Speaker 2: because I had never really thought about I mean, you know,
53:50
Speaker 2: I have course thought about banks, and of course they
53:52
Speaker 2: make all the money, like I've already thought about like that,
53:54
Speaker 2: but I've never thought about it as like fraudsters. You know,
53:59
Speaker 2: bankster is I'm never going to forget banksters now and
54:02
Speaker 2: how they're looking at all of us as you know,
54:06
Speaker 2: that's how they're making all their money and taking man
54:10
Speaker 2: and taking advantage of of people. You know, people are
54:15
Speaker 2: struggling right now, especially with bank issued alleged credit cards.
54:20
Speaker 2: That's what I'm going to start saying.
54:22
Speaker 3: There you go. Now you're not going watched. Now you're questioning, well,
54:27
Speaker 3: so so temmy really quick, because we're gonna we're gonna
54:31
Speaker 3: wrap up here in a second.
54:32
Speaker 2: What are you doing there in the Philippines you're building?
54:34
Speaker 2: What are you building over there?
54:36
Speaker 3: Yes, So what I do is I teach farmers how
54:40
Speaker 3: to build domehouses with bamboo, and then when I leave,
54:44
Speaker 3: they're able to have a business. And so there's a
54:47
Speaker 3: simple calculation. All they ask is how high the dome
54:50
Speaker 3: is or how wide and the calculator tells them what
54:53
Speaker 3: parts to make, and they cut the bamboo and they
54:55
Speaker 3: drill a hole and it comes to the job site
54:58
Speaker 3: without any tools and it sip ties, puts together, and
55:02
Speaker 3: we put together an eight meter dome in four hours.
55:06
Speaker 3: The person part of a dome house in a matter
55:10
Speaker 3: of hours. And if you have less than an hour,
55:13
Speaker 3: so we have an earthquake here, so their house is
55:16
Speaker 3: destroyed within minutes. Within sixteen minutes, you could have a
55:21
Speaker 3: dome house covered and ready to go and get the
55:25
Speaker 3: elements off your head. And that's why they teach us
55:28
Speaker 3: how to do vertical gardens. Beautiful prosteds from what I'm
55:31
Speaker 3: doing goes to finance all this stuff.
55:33
Speaker 2: Oh, thank you Tommy. It was really interesting talking to
55:36
Speaker 2: you today. All right, everybody, thanks for listening. Postcards to
55:40
Speaker 2: the Universe with Melissa creating the life you crave, pushing
55:43
Speaker 2: everyone a wonderful week. Help with joy, abundance and love
55:46
Speaker 2: Pace