[Bulletproof Monk]

Hi everyone. Back after 10 months of intensive training and doing what I've been talking about.

As a result I've successfully helped a friend of mine with his $37,000 credit card debts, including a bank loan from BankSA for $30k. He recently recieved a statement showing his balance as ZERO, and a letter saying he had no more debt. Needless to say he was very pleased.

Some of you may have read my earlier posts, and I must apologise for any misleading information, but I was often misled myself.

The only way to fight is not to argue. Let me make this very clear for all of the beginners out there so you don't get into trouble like I have. I'm fine by the way.

Conditional acceptance, you've all heard or done it, so here's the facts:

When you get a presentment or wish to reply to a debt collector, remember they are creating controversy.

It's the same in a court room, the judge is wanting you to "join" and get juristiction otherwise it's all heresay.

I got stopped by a traffic cop in Adelaide the other day, and he said "you were speeding", I said "If that's your claim". He showed me his camera, and I said "That's a nice camera", he wrote me a ticket and I promptly went home and typed a reply, "Your negotiable instrument has been accepted for value upon proof of claim and returned WITHOUT DISHONOUR." Stapled it to it and sent it back. After all it's his cheque, and I'm the bank, and I'm not paying if there's no account.

As for the credit card debts, I applied the same rules, but this time in the negative: "I have not seen or been presented with any material, fact or evidence which demonstrates that (attachment 1 ) has not established the record that the debtor and the creditor are two different people." etc etc. After a while, they sell the debt because they cannot substantiate it, and you get a letter from the collector (the buyer). I wrote the same one liner and never heard from them again. Then do the follow up with a notary protest and close the book.

But always remember in every situation there are presumptions: "Are you going to pay the fine or not?"...presumes there is a controversy. You need to rebutt the presumption. It's the unknown 3rd option.

I accept your offer to get me to explain anything upon proof of claim you have juristiction over the matter pending and upon proof of claim there's a controversy before the court. But of course, you don't need to go to court...there is no spoon.

Once a document becomes public, as in a court order/hearing/presentment, you can take it down to the register of the court, and have them stamp it for the records, and it's squashed. They didn't get your entry into the controversy, so it's a misjoinder. The guys at the counter won't understand what you're doing, because they're not taught it, so don't bother trying to explain. Just walk out smiling.

Most of all, remember, it's a private resolution/remedy and it needs to be done within 72 hours of reciept or it passes into the public realm. Make sure you date it at the top, when recieved, and the reply/posted date.

Lastly always send mail registered post ($3.50) with delivery confirmation (extra $1.75) or person to person (extra $5.50). That's your evidence of date they recieved.

So far I've helped 2 people out of having to go to court, and have nullified over $40,000 in "debts." This system does work if you know how, so get your facts right, and never, never argue. Honour, not dishonour wins.

BULLETPROOF MONK