Banks, Collectors, and CRAs Discuss the elimationa of secured and unsecured "debt", as well as tactics for dealing with debt collectors and credit reporting agencies.


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  #1  
Old 04-08-2006, 10:15 AM
Roxie Roxie is offline
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Newbee; unsure where to start

I've been here reading for 2wks+ now. Here is my Cliff notes version: I got suckered in w/convience checks @0-1-2% interest, was late by 3 hours on a payment last year. Interest went to 29%. After 6 mths got it to 26%. I could no longer afford the minimum payment with such high interest rates. When Chase called (before I came here) I told them this and that I did not have a house, car, and was temporarily unemployed and I would do what I could when I could. They keep charging late and overlimit fees every month. I stopped paying 2mths ago. They call every day now; I screen w/machine.

I don't want to file for bankrupsy. I feel like I was taken in by a loan shark when falling on hard times.

Comments greatly appreciated!
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Old 04-08-2006, 08:41 PM
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Roxie, welcome to the forum. Check forum section for more details relatively to your situation.
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Old 04-08-2006, 10:41 PM
masterduke masterduke is offline
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Roxie, notify them by registered mail to cease all telephonic communications with you and to only correspond via written notices. If they ignore that request they become guilty of violations of the FDCPA. There is some good info here and also at your local Law Library. As the process they have iniatated against you is their usual "account/account stated" garbage that they use to effectively shift their burden of proving their case (if it goes to court) to you the defendant to prove you don't owe the debt. They in reality "loaned" you, your own money. They just fraudulently arranged and picked it up at the fed discount window as a "service" for you (using your signature without your knowledge or consent). And now they expect major interest $$ for this wonderful service. Jaylon has had some success with giving these clowns a sharp stick in the eye by going on the offense and attacking them right out of the gate when first contacted by them(by filing suit in court as a premptive move, basicily suing them first before they sue him). Which is something they may not be expecting. Also by not contacting them(by mail) they will attempt to use that as a means of "proving" you are culpable in this matter. So shut them down now. Don't wait for it to escalate. DO NOT TALK TO THEM ON THE PHONE. MAIL ONLY.

Last edited by masterduke : 04-08-2006 at 10:45 PM.
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Old 04-08-2006, 11:23 PM
Roxie Roxie is offline
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masterduke

thank you, I will register mail them on Monday. A friend of the forum has ordered Jason Whitney's deby resolution package for me which should be arriving shortly. I have much studing to do.

charlesa6; thank you also
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Old 04-09-2006, 05:18 AM
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Rewiew the VOD.

Quote:
Originally Posted by Roxie
thank you, I will register mail them on Monday. A friend of the forum has ordered Jason Whitney's deby resolution package for me which should be arriving shortly. I have much studing to do.

charlesa6; thank you also
In the meantime, you may want to check the Download section for a sample of the Verification of Dept (VOD) letter. This letter may aid in preparing for the struggle ahead.
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Old 04-09-2006, 06:02 AM
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David Merrill David Merrill is online now
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Quote:
Originally Posted by Roxie
I've been here reading for 2wks+ now. Here is my Cliff notes version: I got suckered in w/convience checks @0-1-2% interest, was late by 3 hours on a payment last year. Interest went to 29%. After 6 mths got it to 26%. I could no longer afford the minimum payment with such high interest rates. When Chase called (before I came here) I told them this and that I did not have a house, car, and was temporarily unemployed and I would do what I could when I could. They keep charging late and overlimit fees every month. I stopped paying 2mths ago. They call every day now; I screen w/machine.

I don't want to file for bankrupsy. I feel like I was taken in by a loan shark when falling on hard times.

Comments greatly appreciated!

Hi Roxie - welcome. You will find a lot of entertaining and useful concepts here on suijuris. I recall an excellent episode of Boston Legal about balooning interest. Does anyone know how to find that? Alan Shore really puts the thumbscrews on in that dialogue in the conference room.

You will find many functional models here on this forum. It has gotten so that the Quatlosers, as I call them whether they actually come here from Quatloos or not, are obvious and put quite a contrast upon the truth for our benefit. Other than that, my simplistic approach to model-building stymies some folks for a bit but they seem to be able to appreciate my writing to be thought-provoking at least. My own self-criticism is that if I am making all this up, then my creative genius must border upon the insanity of which I am sometimes accused. If it is true I am making these things up then I imagine my craft exceeds most Hollywood directors in entertainment value.

A proper foundation in truth is always, always a good starting point. The simple machinery of destroying your financial credibility for being three hours late - escalating from an extremely good usury rate (oxymoron to call usury good) to an abusive usury rate is plainly immoral and abusive.

The foundation is that there is one group lending (whoever defines themselves to be Israel) and those outside the camp. The model is found in the Pentateuch (first five books of the Holy Bible contemporary with the Tabernacle structure - http://www.arkdiscovery.com/MtSinaiPAX.htm~ - laws given Israel for survival in the Wilderness era). Specifically Deuteronomy 15:1-3 and 23:20:

Quote:
Deu 15:1 At the end of every seven years thou shalt make a release.

Deu 15:2 And this is the manner of the release: Every creditor that lendeth ought unto his neighbour shall release it; he shall not exact it of his neighbour, or of his brother; because it is called the LORD'S release.

Deu 15:3 Of a foreigner thou mayest exact it again: but that which is thine with thy brother thine hand shall release;

Quote:
Deu 23:20 Unto a stranger thou mayest lend upon usury; but unto thy brother thou shalt not lend upon usury: that the LORD thy God may bless thee in all that thou settest thine hand to in the land whither thou goest to possess it.

And the term in Hebrew for the foreigner and stranger is nakar, nokriy - related directly to the term Noach with a 'k' sound originally - Noah or the Sons of Noah; Noachides or Noahides. Those pagans or Goyim (goyim techur) outside the camp. The Am Rav - the sympathetic Israelites took many Egyyptians along across the Red Sea and these are the folks who suggested the Graven Calf imagery/idolatry outrage Moses came off the Mountain to discover. The Seven Noachide Laws adopted by Congress in 1991 were originally formulated to allow open trade between the Israelites and pagans - to allow pagans to appear to be righteous in the eyes of God.

Quote:
Originally Posted by The Sanhedrin in 1997

This Court, therefore, urges the Attorney General of the United States of America, Janet Reno, currently under the Political Leadership of President Bill Clinton to answer to the charge of failure to hear a grievance that is brought before its duly appointed Courts, and it has 90 working days in which to show cause as to why this case should not be heard before this Court and to submit documents showing that it has conformed with all treaties, conventions and wishes of the native peoples and with states accepted or annexed under the Constitutional principles and Noahide law, which was adopted as Law in the United States by Congress.

Instead of repeating myself: http://www.suijuris.net/forum/citize...rrill+noachide

Here is a mathematical restatement of Silent Weapons for Quiet Wars published a few years back...

http://ecclesia.org/forum/images/suitors/page1.jpg
Zionism Cancellation Algorithm Page 1
http://ecclesia.org/forum/images/suitors/page2.jpg
Zionism Cancellation Algorithm Page 2

http://land.netonecom.net/tlp/ref/sw4qw/index.shtml

I have used the usury laws effectively in several anecdotes* already shared here on suijuris. My purpose is to give you a functional model in your mind so that many of the things you read here will make sense much quicker and you can take appropriate steps to protect your house and estate.



Regards,

David Merrill.


http://www.alltheweb.com/search?cat=...s=0&itag=cr v

~ Bob lives down the street so I have looked at some of his unedited collection in his many lectures. I am trying to locate the photo that stymied geologists worldwide. The top of the mountain was burned and so they would simply state that there was volcanic activity (basaltic). This particular photograph is of a point broken off of a large boulder revealing that the burnt granite is burned black, slightly molten, only on the surface - revealing the pinkish plagioclase inside the 2" of fired surface. The top of Mt. Sinai is burned allright; but from some kind of external blast furnace that nobody can explain.

* One of my favorites is when I checked into the Homeless Shelter (without a SSN they thought me quite the monkey's puzzle). However the old man I was ministering to had no SSN like me. He had been mugged and with nothing to his name living in the Shelter for over six months. Anybody knows that mail in the Shelter is non-extant. Nobody is allowed to get mail there. However the clinic attached had taken Uncle Hal (Judah/90 years old) to get his heart checked at a St. Francis Hospital branch office with Dr. Goldstein. Dr. Goldstein sent a $200 bill and somehow the staff at the Shelter saw it fit to put the bill on Uncle Hal's bunk. My third morning there he brought the bill to me and was quite upset.

I explained what the old Jew already knew, that the national debt has interest (usury) and therefore it does not apply in this instance. I got in line to use the phone. I called the number on the bill and explained that it was improper for Dr. Goldstein to be charging a usury-based credit/loan against his Brother Mr. Greenbrauer. The receptionist proclaimed, "I don't think Dr. Goldstein understands that!" I began to explain it again and she interrupted, "You missed my point; I am deleting the charge from the computer."

A few minutes later the staff called me into the office and told me that the Hospital's heart service called the clinic and had deleted the charge.
Attached Files
File Type: doc Sanhedrin 1997.doc (54.5 KB, 9 views)
File Type: zip usury.zip (780.2 KB, 12 views)

Last edited by David Merrill : 04-09-2006 at 07:09 AM.
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  #7  
Old 04-09-2006, 11:35 AM
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brozer5 brozer5 is offline
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Roxanne; you don't have to put your red dress on...

Quote:
Originally Posted by Roxie
thank you, I will register mail them on Monday. A friend of the forum has ordered Jason Whitney's deby resolution package for me which should be arriving shortly. I have much studing to do.

charlesa6; thank you also

...But you should check your private messages...
I've forwarded a V.O.D. that is short and sweet.
Bulletproof Monk sent it to me a while back.
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Old 04-09-2006, 06:23 PM
Roxie Roxie is offline
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David Merrill

I did see that episode of Boston Legal. Alan Shore's argument is part of the reason why I'm here. I'm going to look for it. Thanks for the research.
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Old 04-09-2006, 06:31 PM
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David Merrill David Merrill is online now
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Quote:
Originally Posted by Roxie
I did see that episode of Boston Legal. Alan Shore's argument is part of the reason why I'm here. I'm going to look for it. Thanks for the research.

Please share a link to that clip. I cannot remember the name of the episode. That would make the search a lot easier; like the "Stick It" episode. I do not think the title was about the subplot about Alan's coworker's credit problem.

And you are quite welcome. I hope you find some of my reseach helpful.
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Old 04-09-2006, 06:50 PM
Roxie Roxie is offline
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brozer5

Thanks! One question though, do I wait for the credit card account to go to a collection agency before sending a V.O.D. letter? Right now I need Chase to stop calling my home, to buy some time. I want to do my due diligence and handle this well.
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