Episode Transcript
[00:00:00] Speaker A: Welcome back everyone, to the Tron podcast, the Randomness of Nothing. This is your host, Rashad Woods. Today I have very special guest today who has a very unique path that he's carved out for himself in life because that's what this show is all about. And I have a great opportunity with Mr. Tommy Kilpatrick. Thank you very much, sir.
[00:00:16] Speaker B: Well, thank you so much for inviting me.
[00:00:17] Speaker A: I gotta be honest with you, this is not something I get to hear about every single day. So it's gonna be very poor of me to try to talk about you because your details of what you've accomplished are so in depth and help people on such a personal level. So please just give us a story on what you do.
[00:00:30] Speaker B: Oh, sure. I'm a retired teacher and an author and I had written a book on health and healing. And in 2004, I was given a infomercial contract. And so we were test marketing myself on radio interview shows for about six months, and I lived on three credit cards for that. So what happened is that one of the talents got in trouble. The company canceled all of our contracts, and I was left with $85,000 of credit card.
[00:00:56] Speaker A: Oh, wow. Yeah, wow, wow. And so, you know, that's.
[00:01:00] Speaker B: Yeah, I was promised about $100,000 a month. 85,000 was no big deal.
[00:01:05] Speaker A: Yeah, yeah. Geez. Geez.
[00:01:07] Speaker B: So what happened is I. My father in law was an attorney and a judge, so I filed three federal lawsuits against the banks and didn't really actually win because the judge threw my cases out. But the end result was a month later, I took my credit report and all three of the credit cards were gone. Off my credit report.
[00:01:24] Speaker A: I heard that and I've read that about that, and it still seems kind of surreal that that was even possible because, you know, it. I mean, there's a $1.3 trillion credit card debt, you know, worldwide, I believe. And so how did you actually, because of that information, not have that moment of anxiety and panic and instead say, this could work because you're doing this on your own, so to speak. You know, with.
[00:01:45] Speaker B: With. On my own, yes.
[00:01:47] Speaker A: So how did you know how to formally write these? I saw some videos where you said that the banks. Because it's not a promissory note, it's not an invoice, and because it's not a store merchant card with an actual service provided for you is not an actual debt. So can you get more in depth for this show about that particular topic?
[00:02:03] Speaker B: Oh, sure. And before I get started, I want to say don't believe anything I have to say. There are three links in your show notes, so take a look at that. And I want you to send this podcast to your CPA or anyone who's had one class accounting, and they'll tell you I'm exactly 100% correct. So don't believe me. Buying a third party, that that's going to tell you that I'm actually 100 correct. So what it is, is law is language, and language is law. So if you say you have credit card debt, you've got it. There's nothing you can do about it. And when you say there's $1.3 trillion of credit card debt, there is. However, we watch TV and we'll see a bank robbery and we always say the word alleged. So all I'm asking your audience to do is add one word, alleged. So now it's alleged credit card debt. And now puts the the burden of proof upon instead of you accepting the debt, going into court going, yeah, I know I have the debt. How am I going to pay it? How do I work a deal out? And that's what happens. It's all set up. So I just like to ask one question right before I get started here is, is it possible for you, your audience, and even including me, is it possible that we have been lied to, indoctrinated and brainwashed?
[00:03:12] Speaker A: I think anything's possible if it means selling people a service and product. I mean, you know, it just, it is. I mean, it's, I mean, you know, since the be of time. I mean, you know, Charles Ponzi. The word Ponzi scheme isn't just, you know, a word. It's an actual person that, you know, brought, you know, from Italy who via Canada, came down to Massachusetts and the rest is history.
[00:03:32] Speaker B: And even Ponzi's mother.
[00:03:34] Speaker A: Yeah. Yeah.
[00:03:35] Speaker B: That shows how extreme that he's all.
[00:03:38] Speaker A: Because of the international retail coupons. Right. He realized the price indifference that he could purchase and then remit him back home. It's a fascinating story. Right? So, yeah, yeah, yeah.
[00:03:47] Speaker B: So then what happens is that we say the word alleged and it puts the burden on the bank. So let's talk about real true credit cards. And there is a true credit card. Let's say you need tires and you go into a tire store and you don't have the money. They say, oh, Rashad, just apply for the in store credit card and if you're approved, you'll get it. So you do. You're approved. They put tires in your car and you drive Away. Now, at the end of the month, you get a statement. That's true. They have an outstanding unpaid invoice, which.
[00:04:16] Speaker A: For service, provided you owe the money.
[00:04:18] Speaker B: Right. They provide a service. They put the tires on your car, they sold your tires. So that's like a merchant. However, the bank never did that.
So what you need to do is find out what cards are legitimate, which are not. And so look at the back of your credit card. If it says, like, from Walmart or Amazon, issued by bank of America, Citibank, Wells Fargo, bank of London, bank of Tokyo, some bank, it's a phony card. So that's what I'm talking about.
[00:04:48] Speaker A: So here's my question. Obviously you're going to go more in depth. You've written a book about this and you have personal experiences as well as people you've helped. On a, on a side note, obviously, is this widespread enough that they've tried to change their, their laws, lobbied Congress, or done things because of your success or people who have, you know, emulated things that you do to say, okay, we're going to put an end to this because we're going to change the language on, on, on our, on our credit cards and our statements and make sure that this is ironclad, that people have to actually owe.
[00:05:18] Speaker B: Well, the problem is you're talking about a criminal. So you're, you're asking a criminal to go straight. And that's just not going to happen.
So what the bank is trying to do is get you to be a customer. And so what they do is they, they advertise. So they spend money to advertise to get you the bank. They also will purchase items in the olden days. They purchase toasters and wall clocks and they got you to come into the bank and they gave you products. Okay? There's also a time I saw a newspaper ad that said, come into our bank and deposit $25 and we'll match it in 90 days. Well, I did. I took my $25, put it into their bank, waited 91 days, went into the bank and withdrew $50, my 25 and the 25 in the bank and close the account. Let me ask you a question. Did I rip off.
[00:06:07] Speaker A: No. No, you did not.
[00:06:09] Speaker B: Did I steal $25 in the bank?
[00:06:12] Speaker A: No, not at all.
[00:06:13] Speaker B: And last one, is that immoral, what I did?
[00:06:16] Speaker A: No, because you upheld the terms and the conditions that were.
[00:06:19] Speaker B: No.
[00:06:19] Speaker A: Right.
[00:06:20] Speaker B: Right. Now that's an important question. We're going to come back at the end of this talk, okay? So remember that it's not immoral for the bank to give me something on their deal and I walked away with the money. That's fine. So what they're trying to do is get you to be a customer, because what they do is they're able to make money off you. So when they send you the $500 gift card, that's what I call it. But you call it a credit card. See, so language is law. If you call it a credit card, you have a debt, you have to pay it. Morally, legally, Right. But if you had applied and they gave it to you, or you didn't even apply, it came in the mail unsolicited, it's still a gift card. So what happens is you took this gift card to a store like Home Depot and you bought a toilet, a golden throne, let's say. So you're walking out with a toilet and a guy at the door says, wait a second, did you pay for that? And you have a receipt. Now here's the question for you. Who paid Home Depot? You didn't have 500, but you walked out with a 500 toilet. So who paid that night to the next day? Right, Depot.
[00:07:26] Speaker A: The question is. Well, it's. It's. I'm interested actually to see that answer because. Well, I mean, you walked out with it, Right? Did you? Yeah, let's hear that. Because.
[00:07:33] Speaker B: Right, okay, so you got a card in the mail unsolicited by some bank.
[00:07:38] Speaker A: Your money paid for it.
[00:07:39] Speaker B: Who paid? You did Depot. Right? It's the bank.
The bank. Right. The bank paid few. Okay, where'd the bank get the money from? Banks get money from their advertising budgets. So this is what they doing. They're taking some of their money, buying you a 500 gift card. They sent it to you to get you to be a customer. So at the end of the month, you receive a statement. Okay, but a statement is just that. It just says. Now, when you have a normal checking account, is that monthly statement a bill?
[00:08:10] Speaker A: No, not at all.
[00:08:12] Speaker B: No, not bill. It just shows what your big and balance, your deposits, what you paid on checks and dep. Debits and other fees and the ending balance. That's all it is, the statement. So they sent you a statement, but you thought it was a bill. So what did you do? You wrote out a $500 check and mailed it to the bank.
[00:08:29] Speaker A: Absolutely. Absolutely.
[00:08:30] Speaker B: Yeah. Okay. Because it's morally correct to do. Because you have been lied to, indoctrinate and brainwashed into thinking that this is a bill when it really wasn't. All right, so here's the question. When you sent that $500 to the bank, was that the first time the bank had ever seen your money?
[00:08:48] Speaker A: No. Never?
[00:08:49] Speaker B: Not.
[00:08:50] Speaker A: No.
[00:08:50] Speaker B: Think about it. Well, think. Wait, wait, wait, wait. Think about it. A card arrived in the mail unsolicited.
[00:08:56] Speaker A: It was a car, actually. Yeah, you're right. You're right.
[00:09:00] Speaker B: Yeah.
[00:09:00] Speaker A: Right?
[00:09:01] Speaker B: Yeah. You're not the first to go. No. Then they think about it.
[00:09:04] Speaker A: No, you're absolutely correct.
[00:09:05] Speaker B: Yes. That is the first time the bank ever got me. So the banks are not a merchant. So we established that. They didn't put tires.
[00:09:14] Speaker A: They did not.
[00:09:15] Speaker B: And they did not put a service. So they have no invoice. So there's no debt. So they cannot issue a credit card. Then you say, oh, they did a loan. Okay, fine. Here we go with that argument. So when you go into a bank with no money, you want to come out with money instead of with a gun?
[00:09:32] Speaker A: You know, you get to go to.
[00:09:34] Speaker B: A bank and you want.
[00:09:35] Speaker A: We're not advocating bank robbery on this show alone.
No, no, no, not at all.
[00:09:41] Speaker B: So you come. So you want to go in for a loan. So here's the question. If you apply for a loan and they turn you down, do you.
[00:09:48] Speaker A: Absolutely not.
[00:09:49] Speaker B: Absolutely, absolutely not. Right. So if you're approved, what you do is you go into the bank and you fill out loan documents.
[00:09:56] Speaker A: Yeah. Oh, for sure.
[00:09:57] Speaker B: And then they have to verify you an income. So if you don't have an income, then how can you pay?
They also have collateral like your car or your house. Or if you have a personal loan, you put up your yacht for this. Then they have something that they can take away from legally sell it. And if they come up short, that's too bad for them. If they come up long, meaning they made more money, they have to give you the difference.
[00:10:20] Speaker A: Right.
[00:10:21] Speaker B: But they also have a credit report to show some history. And your credit score determines your interest rate. The last thing you sign is a promissory note. You sign a promise to pay it back.
[00:10:32] Speaker A: You're absolutely correct.
[00:10:33] Speaker B: That's what we do when we go through a loan.
But we never did that with this credit card.
[00:10:38] Speaker A: Oh, wow.
[00:10:39] Speaker B: Okay. Because if you use the word credit card yourself. So what is it? This is a gift card to open up a free checking account. So they sent you this gift card just like they would send you a wall cloth.
Match the money.
[00:10:56] Speaker A: Yeah.
[00:10:57] Speaker B: So the bank got you to be a customer. What's the big deal about that? Two months ago, I typed this up and do the Same thing. How much does the average card member pay for fees? And it's $23 and 4 cents.
[00:11:09] Speaker A: Yeah.
[00:11:09] Speaker B: A month. And think about this. The bank had a million card members bringing in $23 million a month. I did my calculations and I came up with about a fourth of their profits. So you're telling me why doesn't that bank stop doing this? They're making fourth of their money on the scheme. It's an illegal, wow, fraudulent scheme to get you to pay $23.04 Average every month for a free checking, extending you.
[00:11:36] Speaker A: Your own money and charging interest.
[00:11:38] Speaker B: That's the thing. You're exactly right. So you write the one step ahead of me. So when you wrote this check to the bank, technically, and that's in my very first show link, is, is in your show notes, in the link is that's what happens if you do not make a deposit. What you're doing is you're loaning the bank money. The banks are only set up for loans. If you go in with no money, you come out with a loan. If you take money into a bank and leave it there, it's technically right.
[00:12:05] Speaker A: Right.
[00:12:05] Speaker B: So they do not loan out your money to someone else. They're just on a.
So what they do is that's an obligation, that's actually technically a liability. So what happens when you pay it down? It's less and less obligation. But at the end of the month you put money back in your checking account and so every subsequent purchase has been with your own money. So you have been writing a check thinking it's a payment, but you might call it a deposit, but really it's a loan. So you're loaning the bank money that month and then you spend it. You send a check to the bank, you spend it. That's what you've been doing with your so called bank issued alleged.
[00:12:42] Speaker A: That's insane.
[00:12:43] Speaker B: It's not a debt, it's a checking account that you put money into and you've been drawn out. They tricked you into thinking that it was a loan, but it never was a loan because you hadn't promised to pay.
[00:12:53] Speaker A: So when somebody tries to actually fight that. So maybe it's. It's going to sound kind of weird to say, not even weird, but you signed up, you agreed to the terms and you agreed to the terms to pay back. So now I don't want to say there's a loophole, but now you suddenly found a way to discharge that. So how does that cycle, and not even from a moral standpoint, but from a business connection standpoint with that bank that you made this agreement that you can suddenly say, hey, I bought all this. I took my kids to on this beautiful vacation. And the next thing you know, you can sit back and say, well, you know, tough. You know, sh. Rest of that word. And then I found this way not to pay this back. So how does that work?
[00:13:30] Speaker B: You got that. You've got that exactly right. So when you use the card, you agree to the terms and conditions. However, when you have a contractual agreement, you have to have also disclosure.
Now, let's say you buy a house and there's toxic waste in the front yard, and you didn't know that, and your. Your family is dying. So are you going to tell me that the court is going to say, no, Rashad, you have to stay.
[00:13:52] Speaker A: Absolutely not.
Absolutely not.
Absolutely not.
[00:13:56] Speaker B: That's.
You did not disclose.
So the bank did not disclose to you. They're going to charge you on average $23.04 for a free check.
They lied to you right from the beginning. So that's how they're making their money is through this fraud. And just no one's ever seen it. No one's ever done it. But I had the experience of my own lawsuit where I thought I lost, but in the end, they took it off my credit port. So a friend of mine, she had a dormant charity and she gave it to me and I revamped it to be Credit Repair. But a few of my clients did have bank issue, alleged credit card debt. So I would write a letter to the bank, explain what was all about, and it would be removed off a credit report.
So, yeah, how do you use office? You have a free checking account. All you need to do is write a letter to the bank and telling them that you want to close the account. But here's the thing. When you close your normal checking account, they say, oh, Rashad, we're sorry to see you leave us, but here's your $5.31 that's left in the balance. Not this case. In this checking account, they confiscate your money if they lower your credit limit. See, again, if you use returns, you lose. They stole your money. When they say they lowered your credit limit down. No, they went into your checking account and took out your money that you deposit. Let's say they loaded down to 50. Well, you put $500 in. Now you only have 250, so that means they stole 250.
[00:15:18] Speaker A: So what happens to when. When this does get discharged, they suddenly completely, you know, you have no credit at all or do they just discharge the balance? Do you still have the card available? Because clearly they're not going to be like keeping you as a customer. I mean I. So what, what's the next step involved with something like that?
[00:15:34] Speaker B: You are so. I don't know, you guys like you could ask me, hey Tommy, do you have a credit right?
[00:15:39] Speaker A: Yes, of course.
Yeah, yeah, I do.
[00:15:43] Speaker B: So I have been off grid. I've been living on farms basically the last 12 years. And I had no credit score and no credit report. Completely blank, gone. I would just drop off the system. Okay. So I was, I came off the farm and I was going to the Philippines. I knew I needed a credit card to get an airline ticket, was going to rent a car. So I can't do anything without a credit card. So I applied for Capital One credit card and I received. I was given. That's a proper word. They gave me a 500.
[00:16:11] Speaker A: Yeah, after you sued them.
[00:16:12] Speaker B: But with no score. How do you do that with no score? And because they were one of the banks. You're right, that's one of the banks. I sued for 35,000. And so I was like, sell a good customer because they took that off my credit report. I'm telling you, I got a 500 credit card from Capital One even though they sued them. That's because I was a previous guy. So I got a score about 550. I went to the credit union, got a little loan and I'm making payments on that. So but we submit about 6 to 25. And then over the last six, nine months I've been using 10%. So I use about a fifty dollar purchase and I pay it off. I know it's a scam, I know what it's done going. But I pay every month. I don't pay a single penny in interest. I don't pay an annual fee. So they're going to be. I'm more than 12% of the people. They're never going to.
Okay, well that's fine, but that's how I got a credit card. And my score now is 704. So for your audience is going, how am I going to do this? Well, it happened to me.
[00:17:08] Speaker A: Unbelievable.
[00:17:09] Speaker B: Now the next time you go into it, you're much more prepared by saying this is my money. And hey, if they offer you a hundred thousand dollar credit line, it's the same thing as them offering me $25 to come in and make my deposits. You told me it's not immoral for me. To do their deal and run away with the money. That's the same thing. If they're going to give you $100,000. Credit, credit line. That's a gift. So it's a gift card. Take it. And. And then what do you say? Oh, they're going to sue you. Well, they didn't sue me. Well, well, well, that's what we do. We write. The letter is pretty weak. You'd have to kind of admit that. But what if you got your CPA to write a letter to the bank saying first of all, there's no invoice because you didn't. If you have one, please show it to me. I'd be astounding.
[00:17:57] Speaker A: Oh, no doubt.
[00:17:58] Speaker B: Unpaid invoice. But you violated the federal banking laws by claiming that you made a loan when you didn't have a promise to pay. Now stop and think about this just for one second. You buy a fractional, you buy a fraction of a stock of a bank, okay, for let's say, $10, it's a fraction, right? So you have a fractional owner of the bank. You're now a bank owner. Now do you want your bank to loan out your money to people who.
[00:18:26] Speaker A: Of course not. Of course not.
[00:18:27] Speaker B: Of course not. Are you going to loan people money that don't even have a promise to pay back? That'd be ludicrous. So this is not a loan. They couldn't ever get you to promise to pay it back because it never was a loan. It was from their advertising budget. Just like the wall clock to get you to come into the bank, match the money. You just didn't put any money in. They gave you a 500, 5000. 500,000, it doesn't matter.
Because when you read my show notes, my second link, it talks in there how my class in accounting on banking, we had a mandatory, and that was the modern money mechanics. And in there it said on page six, what banks do is they accept a promissory note and they write numbers into your free checking account so they can write any number they want. It doesn't cost them anything. As long as you got a promise to pay, they've got you. So this does not work for your mortgage. It doesn't.
[00:19:18] Speaker A: Right, right.
[00:19:19] Speaker B: It doesn't work for a personal loan where you put up your yacht.
[00:19:22] Speaker A: Right.
[00:19:23] Speaker B: This is for bank issued alleged credit card debt. And that is what it is. It's alleged. There is no debt, you have no invoice and there's no promise to pay it back. And here's the kicker. It's the obligation you have to do with these terms and conditions. But fraud under.
[00:19:39] Speaker A: Oh, wow.
[00:19:40] Speaker B: So in your show notes, the third link is, the Supreme Court has ruled over and over again that you are not obligated to contract if they defraud you if they didn't.
[00:19:51] Speaker A: So that's a lot to absorb in because, you know, like I said, we all see commercials, we all just swipe and we go, you know, to a merchant and we get a bill and we don't even think twice about, you know, what as long, you know, because we know we paid for something. And most people don't dispute it when they say, hey, you know, I didn't, I didn't subscribe to this service or this website or utilize this. And they have a fraud line.
[00:20:10] Speaker B: Right.
[00:20:10] Speaker A: So this is, I mean, how big is your team? How many people have you helped? And let's get into the book that you wrote, please. So is it just you that does this for people in your company?
[00:20:18] Speaker B: I wrecked my brains over this is. Well, when I was helping people out that would come into my charity and I would see they have a little bit of credit card debt, I would easily write a letter and it would be gone. We had about a thousand people we helped over about 10 years time.
But the ones that had 50, 100, 200,000 that might have come to us in the middle of a lawsuit, well, what we would have is we would teach them what to do. And when they would go into court, I'd follow them. I'd be in a courtroom with them. I sit right next to them. But I couldn't speak for them, okay? So they would represent themselves. And we never had a problem because we had an expert witness, a CPA who told the court, one, there is no invoice, so there is no debt. And two, there is no loan because they didn't follow federal banking laws. There's no promise to pay it back. So when you send that letter to the bank, you're sending that CPA letter, but then you have that terms and conditions. So that's where you want to have an attorney. And then you go, oh no, now I'm taking two or three hundred for a letter. So there's a thing called legal Shield and it's for 29, you get a use of an attorney for a month. So have them write a letter to the bank saying, bank, if you do fraud, there's no contract. And it's been, the Supreme Court ruled brutal, ruled all this kind of stuff. So it's very simple. So that's what you can do, is write that letter with more substance. But here's the best thing, is include a lawsuit that you've never filed. You're not going to file this lawsuit, but it looks like you are. In my. In my lawsuit, I laid out in a pleading all the crime the bank is committing.
[00:21:47] Speaker A: Geez.
[00:21:47] Speaker B: And then what you do is you have a discovery. Normally you wait until they. No, no, no, send it all now. So they know you're asking for a document for sure. Note, a promissory note, copy that. But you're also going to have interrogatories, which are questions and admissions and a deposition. You're going to be calling some bank employee to a location and they're going to have to tell the truth on oath with a penalty of perjury that there's a debt and they have the evidence.
[00:22:15] Speaker A: Yeah, that's not happening.
[00:22:16] Speaker B: The bank is not going to have one.
[00:22:17] Speaker A: They're going to.
[00:22:18] Speaker B: No, it's not going to have. So here's the best thing. An injunction. This is now in the news like it's never been before. So when I say injunction, people go, oh, yeah, Trump does something and somebody runs into the court and stops them. Right? So, Rashad, if you've got some company bothering you, harassing you about a debt, you have no idea who they're talking about, you can take them to court not to sue them, but to stop them. That's called an injunction. So the bank is going to see an injunction.
So if they sue you or you sue them there, you are going to file this injunction the very first. Of course you will, with the court. So what's going to happen is the judge is going to say, okay, defendant, prove you have debt. So bring me and let me look at a outstanding unpaid invoice, a certified copy of a promissory note. And they're also asking for an affidavit of debt.
Someone in the bank has to swear out that you have a debt and they have the physical evidence of it. And if they don't do that in 30 days, they're in contempt of court and it stops.
[00:23:23] Speaker A: Wow.
[00:23:23] Speaker B: So when a bank sees this brick, they're going to go their attorney, and that's going to be 40 hours. Right now, $500 is 20,000, but we're alleging only 15,000.
[00:23:34] Speaker A: No, not even close. Not even close.
[00:23:36] Speaker B: And that was me injection.
This is just. I like to kill a natural. So that's what you need to mail this to the registered agent. There's the person who receives all the lawsuits, even though it's not filled, it doesn't have a docket number, but it looks like that, so that's okay. They'll send, they'll send it to the attorney. Attorney's gonna go, what do they want? Click. That's all you're asking for, is one click on the credit report when it's off your credit report.
[00:24:02] Speaker A: No, you have a debt, man, that's nuts, man. And so how much time does this take? Like the average person out of their schedule? Because they start anytime somebody. I mean, you got people that don't want to show up to traffic court, right? You know, people would just rather, hey, I'd rather pay 150 than get it discharged, right? And, and show up, take time off work, miss school, I'll drop my kids off at school. So it becomes a time type of thing for people. So now you're asking. Court is a scary word for people, right? Where they're like, I don't want to be in court for nothing because you, you know, people get bad thoughts in their heads, even if it's just like this. And it's not like you're going to prison. So how do you get people to bridge that gap between sitting next to an attorney, having a CPA and then, you know, you wrote a book and I know that that's out there and it was forgive, and I don't want to get it wrong and forget. So between the fear of court, hiring an attorney and then your book, how does that all play and come into play with you?
[00:24:52] Speaker B: It's really simple. In my book, you can figure out how to write the letter. I also offer a 15 minute free consultation. And if you do that consultation, I'll send you that 69 doll for free. So I'm trying to. Okay, so my main focus is on a company that has 100, $200,000 of alleged banking should. Alleged credit card debt. Their board of directors have all maxed out their card. That's again the criminal language. They have actually withdrawn all their money from their free account. So now the bank wants them to fill it back up so there isn't $1.3 trillion of credit card debt like you had started off with. That's the lie. The bank wants you to fill your checking account back up to 1.3 trillion. So it's arbitrary. So what you do is all you have to do is send that letter off and I can help you with that too. I have all the documents, stuff like that, looking for that great client because their CFO chief Financial officer is probably a cpa. Let me talk to them first. Once the CP reads my one chapter in my book called act one, scene one, this is a reenactment that happened to me. So when I went into federal court and I was going, why is I'm being called in? My father in law was going, that's unusual. Judges don't call you in and not the other party. So I showed up and he said, Mr. Kilpak, do you have a credit card? Well, let me start at the beginning. Oh, we'll start at the beginning later. But do you have a credit card? I went, well, not technically. It started up as a gift card. A gift card. Open your wallet up, show me that card. So what do I do? I showed. What's it say right there? Credit card. You're an idiot, get out.
So you see, that's the whole mentality. So what you do is by sending this letter with my documentation, It'll be about 45 days because all you're asking for is a click. So it takes about 10 or 15 days to work through the paperwork and they're going to go just click. And then it takes out about 30 days for the cycle to show up on your credit report. So I'm saying it's no court. You don't want to go to court. Okay, but you see, what I want to talk to is that Corporation that has 100, 200,000, all their board members and their employees.
So I want to see all the employees and the board directors come into one meeting and their CFO is going to tell them, we're all underneath this debt, we're going out of business. So if we want to save our job, we've come across this idea that Tommy had actually 100% right. The bank does not have an invoice and they don't have a promise to pay it back. Is it immoral? They're going to say some. Well, then do it. But those of you who see this as not immoral, that they gave you a gift, I'm telling you, it's a gift card. And your own CPA is telling you this. And then the vice president, who's normally an attorney, he's going to be saying, yes, and Tommy's right. The Supreme Court's ruled over and over again that fraud undoes all contracts. So we have no contractual agreement and the CP is going to say, it's just a checking account, folks. So we have one letter here, we have the whole lawsuit drawn up. We'll put your name onto it and so we're asking the bank to go click, click, click, click, click, click, click, click, click, click, click. My board of directors are saying we're not going to have the burden. All you employees are not going to have the bar to your wing victim. You're a crime.
[00:27:55] Speaker A: So I'm just curious what they do with your card. Like, I mean, do they suddenly deactivate your current card? Do they sit back and say like, dude, you're not about to get 10,000 discharged and then still have that in your wallet and do this to me again.
[00:28:06] Speaker B: See, you say discharge and no, it's right money. They still got you. You've been lied to and indoctrinated and brainwashed. So when you've been lied to, we can tell a lie.
But over generations. So for 60 years, you and me and all your audience has been lied to. That's all indoctrination. And then if you don't question it. So I want your audience to question it to start adding the word.
[00:28:29] Speaker A: Got it?
[00:28:30] Speaker B: So. So that's what's going to happen is that you don't have this debt to discharge. What you're asking the bank to do is close your checking account, but you had better get your money out.
[00:28:41] Speaker A: Got it.
[00:28:42] Speaker B: So for most of my clients, I find them money. On average, my clients receive about $2,000 and they're so thankful they would donate 2,000 of extra money they didn't know they had to the beautiful. So we would split the finding. And if they said, I want to give you 70, 30 and they'll keep the 70.
[00:28:59] Speaker A: Right, right.
[00:29:00] Speaker B: 90, 10. I didn't care a dollar more to my charity was and all it was paper. I have it already all filled out. Put your name comes all out, there's a brick of paperwork and mail it off to the registered agent. See what happens. What's the worst that could happen? You can't pay it. Now you're paying all your money to the bank for a free checking account. And don't believe me. Have a third party. Have someone who's knowledgeable, like a CPA or someone who's had a class in accounting tell you that I'm actually 100% correct. So I only work with people who already have a CPA or someone else who's verified.
[00:29:32] Speaker A: Right, right.
[00:29:32] Speaker B: So I don't work with somebody who's me. Don't believe me. I will need you to have a third party tell you that I'm actually.
[00:29:38] Speaker A: And then you can begin the paperwork process and do everything else.
[00:29:41] Speaker B: Just all you do is Fill the paperwork out or I'll do it. You mail it off to the registered agent in about 45 days to look at your credit report. It's off. Your card is inactive because you asked them to close your free checking account. Associate with that card. But then if you want to, that's awesome.
But your scored a lot, right?
[00:30:01] Speaker A: So what? So where can people find you? And, and so I'm always, I always ask my guests, they obviously don't need me to find you and your success and what you've accomplished. But where can people find you? I gotta be honest. Yeah, right. Because people, all of a sudden, they're worried about, you know, am I committing? You know, people are very structured and you know, most people are law abiding. Most people, people want to just stay out of headlines and do everything, you know, the right way. And, and you know, obviously something like this, which is very important for people's mental and physical well being and stress and family life, you know, I, I found that very fascinating when I got a chance to watch your videos. I'm like, this can't be true. But the more I'm listening to it, I'm like, yo, all this makes sense. Which is why I'm glad I got a chance. You know, you reached out to me so that, that way we can, we can cultivate these stories and get these things out here for people to listen to. So I'm really honored that you took your time out to talk to me. It's been an honor and a pleasure. Thanks for being on the Tron podcast, Mr. Tommy Kilpatrick.
