Hi there,
(excuse me for jumping in here)
Firstly there is no debt....there is no spoon for that matter...
We all know there's no money of any value for a start, and by the laws of equal exchange, you exchanged your negotiable instrument (your signature) for a monetary sum (their consideration).
What makes you think you owe anything?
Besides, the account they created is in the STRAWMAN's name, not yours, so why pay another persons "debt" even if there was one...
As for systems, books, research etc, I'd say Victoria Joy's honour/dishonour all the way.
BULLETPROOF
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Precedent said, "It cannot be done;" experience said, "It is done."
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