Sample Letters & Success Stories

[MortgageFree]

Since I am new to this message board, I would love to find samples of letters, and hear of successes others have had in negotiating their debts. I have not had much luck in working with some creditors, i.e. Capital One...

Has anyone used the "Payment For Deletion" appraoch? How would you present it?

Thanks!

avalos101@iglide.net

Please don't send those scoundrals any money. It's MUCH more effective to send a summons than a check (a wise man once said). The first order of business is asset protection. You have to be judgment proof, now more than ever. There is alot of great information on this site about asset protection on just about any budget. For asset protection to be effective, it has to be in place before any kind of litigation begins.

Once you have the asset protection in place, you can begin thinking about suing credit card companies for what you want. They all break the law FCBA, FDCPA, TILA (FCBA is a subsection within TILA), etc. Set up your causes of action with billing error disputes, validation/dispute/verification, and cease and decist letters. Keep diligent records of everything. Send everything certified mail RRR and log all phone calls. Let them hang themselves.

If you are serious, buy the NCLC books on FDCPA and TILA at nclc.org. These are books written as practice guides for consumer law attorneys, but they have good sample federal court documents such as complaints, discovery and motions. Read as much as you can about these subjects. Knowledge = Power. You're representing yourself and you have to be prepared.

You created the money (X 9) the credit card companies are now attempting to take from you. You are the soverign, they are the fiction.

[artificialsteve]

You created the money (X 9) the credit card companies are now attempting to take from you. You are the soverign, they are the fiction.[/quote]


Hello everyone, first of all I would like to thank the creators and members of this MUCH NEEDED website. I am still in the first stages of learning about money and credit etc....

my question.............How can I create my own money!!?? Is the "owning your strawman" process necessary ? It seems like all of these credit card problems could be avoided if we could skip the banking scheme alltogether.

I will continue reading and learning however I couldnt resist to ask, so if this question seems a little _______ please correct me!

thank you

[MADDOG]

my question.............How can I create my own money!!?? Is the "owning your strawman" process necessary ? It seems like all of these credit card problems could be avoided if we could skip the banking scheme alltogether.

I LOVE IT !!! Too bad somebody else beat you to it over 90 years ago, Steve!!!

Think about the 7 (I think it was 7) wealthy bankers in 1913 who wanted to be permitted, by act of Congress, to create their own money. So they had a little meeting on Jekyll Island and hatched the Federal Reserve concept and subsequently managed to influence Congress to pass it... ("influence" no doubt consisting of "money" in its then current form) thereby turning their clever little idea into "law"... supposedly to protect the rest of us from the threat of depression and economic collapse resulting from runs on the banks.

SO What was their excuse for the Great Depression of 1933??? HUH? HUH? HUH???

And the first house I bought in Calif in 1972 cost me $33,000. It would literally cost me 20 times that much today. Horrendous inflation. The Real Estate industry likes to call it an increase in value... but we know what it really is, don't we? It is a loss of buying power - the result of the inflation created by the Federal Reserve creating their own money to lend, pumping new money into the market and increasing the demand for goods and services, and driving up the cost of the bare essentials - food and housing - right along with it.

Haven't we all been well "protected" by the Federal Reserve Act, people???
(NOT)

[artificialsteve]

yeah, I figured that was the case. LOL (choke)
well at least I can take the number in the bank's computer back to zero, right?
I'm guessing that would be a success!