~ Approved in all
50 States ~
Ever
wonder...
Why some people get out of debt
easily - and others don't?
Its
simple...
Same reason a NASCAR driver can go
around the track at 180 mph just an inch behind the car in front of him - and
you can't?
Same reason a dirt bike racer can
go over multiple jumps and twisting turns and still stay upright - and you
can't?
Same reason a doctor can work on a
person's brain and not kill them - and you can't?
Same reason banks can lend
$Trillions they don't have - and you can't?
Same reason an attorney can walk
into a court room and not feel nervous - and you can't?
Experience and
training...
They know what they're doing -
you don't.
They've been trained - you
haven't.
They know the little secrets of
the trade - you don't.
They're willing to take a
little risk - because the payoff's sooo great - you're not.
If you're tired
of:
 Being in debt
Living paycheck to
paycheck
Getting harassing phone
calls
Being threatened by
attorneys
Facing law suits
alone
Losing law suits and
having no where to turn
Wondering if there's
any hope
Not knowing what to
do
Not having anyone to
help you
If you're ready
for financial freedom...
All you have to do is learn a few
secrets of the trade.
Secrets the bankers don't want you
to know...
And secrets the banker's attorneys
will lie, cheat, and scam to keep from you.
We'll teach you how the system
really works - not how you think it works - how it really works.
How to deal with the bankers from
a position of strength - stand toe to toe and nose to nose with the bankers if
they refuse to play by the rules.
How to deal with attorneys - and
defeat them.
How to eliminate your credit card
debt - legally, ethically, morally!
How effective
is The Code?
This is what one sweet, beautiful, middle aged
babe did - using the same information that is available to you.
I've redacted the personal information to protect
the innocent.
Dear Reader,
If you're tired of being lied, cheated, and
scammed by credit card banks, collection agencies, and attorneys...
Keep reading!
 Not for
everyone...
We acknowledge that The Code isn't for everyone.
Its designed for people who are willing and able to help themselves.
So, if you're one of these people with unsecured
debt problems...
If you're tired of being harassed by greedy
bankers, collection agencies, and abusive attorneys...
If you'd like some help dealing with these
problems...
The Code can teach you how to defend and protect
yourself against these economic thugs.
The Code will even teach you how to defend
yourself against a collection law suit... something you'll really enjoy!
Samples of most all court documents you'll ever need are included.
Everyone associated with The Code has been where
you're at. We know what you're going through. We know the frustration you're
feeling... We know the fear griping your stomach - not knowing what to do - or
how to do it...
More importantly, we know how to get you through
it - so you'll come out the other side with dignity and money in your pockets.
We know what you need to do...
If you'd rather deal with the banks and the courts
- we'll do everything we can to help you. Your success is our goal...
The Code is easy and simple - it doesn't take a
genius to use it. You just need the ability to read and follow instructions.
Most importantly, you just need the desire to do it.
The biggest obstacle you'll face - is deciding to
act...
The Code is NOT based on theory or wishful
thinking. It IS based on the law, the facts, and court cases. It works.
How and why it works is described below...
|
SUCCESS!!! |
|
I followed everything you taught me over
the last four years to the letter. Finally I requested so much info.
(interrogatories, document requests, admissions) that Plaintiff asked for more
time and an adjournment today. Problem for them was, this trial date was marked
'Final'. If they went to trial without presenting the documents I asked for, it
would be a 'denial of due process violation' (they already defaulted anyway).
They were boxed in and the judge, angry at the Plaintiff, awarded me a
'Dismissal with Prejudice'.
I can never be sued for this card again.
I'm free and clear of all my debt now, thanks to your program. This program saw
me through five lawsuits. I can't even begin to tell you how much this has
changed my life. I've learned so much here, and feel safer with my finances
now. I was crying upon leaving the court room. My wife gave me a huge hug. I'm
telling everyone I know about your website.
Now I just have to deal with those Credit
Reporting Bureaus (Experian etc.).
The judge actually gave me a signed and
stamped order to send to Experian.
editor
03/12/09 |
The
Choice is yours:
The wrong way:
If you're having trouble paying your credit card
bills, you have to do something. To do nothing puts you at the mercy of the
banks and their collection thugs.
If you do nothing other than make the minimum
monthly payments - which is what the banks want - this is what you have to look
forward to:
| The numbers
don't lie... |
|
Credit
Card Debt |
Money paid back
(includes principal
& interest) |
How long it will take |
| $10,000 |
$26,276.59 |
42 years 9 months |
| $15,000 |
$55,370.41 |
48 years 11 months |
| $20,000 |
$74,464.22 |
53 years 3 months |
| $25,000 |
$93,557.98 |
57 years 4 months |
| $30,000 |
$112,651.77 |
60 years 2 months |
| $35,000 |
$131,745.58 |
61 years 8 months |
| $40,000 |
$150,839.39 |
63 years 9 months |
|
Number of years to pay off
credit card balance based on 19% interest and a minimum monthly payment of 2.1%
of the outstanding balance. Most cards require a minimum monthly payment
between 2.0% and 2.4% of the outstanding balance. Source:
CNNMoney.com |
If you do nothing, not even make the minimum
monthly payment, the banks will harass you for money. At home and at work.
If you do nothing the banks will then sell your
account to a collection agency.
If you do nothing the collection agency will
harass you morning, noon, and night. At home and at work. They may even get you
fired.
If you do nothing the collection agency or bank
will file a collection suit against you.
If you do nothing the court will find in favor of
the collection agency/bank.
If you do nothing the collection agency or bank
will garnish your wages for the amount of the debt and interest, plus
attorney's fees.
If you do nothing your employer may fire you. Not
because of the garnishment, but for reasons completely unrelated...
If you do nothing the bank may lien your real
estate and other property and sell it to cover your judgement.
If you do nothing the banks and their minions are
in control and you are at their mercy.
Its best to take action prior to the bank suing
you. It is absolutely mandatory to take action once you receive a summons.
Generally, you have between 14 and 30 days after a summons is served to
respond. After that, well...
If you do nothing, you loose!
|
If you
do nothing... |
|
I've owned credit card of providian bank
$10.000 since 1996 and I didn't pay for them until now but they sent my account
to dept collection and they sent to me a judgement order to take money from my
payroll, my dept now they increased to $29.000 they take out money from my pay
check so what can I do to stop that, please let me know what I will do now,
thanks
05/22/04 |
|
THANK
YOU!!!!!!!!!!!!! |
|
Jim,
And while I have your attention in a
non-forum atmosphere...THANK YOU!!!!!!!!!!!!!! Your service has been the best
$300.00 we have spent (on something like this) just about ever. Thank You for
your extreme patience. You are very much appreciated.
I am not intending to sound like a
"butter-boy" when I give you praise. My appreciation is very sincere. You and
this forum have been the only steady support that I have had and it would have
been advantageous for me if I had joined back in June when I first came across
your site. I most likely would not have a judgment against me, or at the least
I would have gone down fighting.
OF COURSE YOU MAY USE ANY OF THE DESERVED
PRAISES - FOR ANY PURPOSE THAT YOU NEED TO. THAT IS HOW THOSE INQUIRING MAY
KNOW WHAT OTHERS THINK ABOUT YOU.
Thank You,
Melissa |
The Right Way:
| The numbers don't lie... |
|
Credit
Card Debt |
Money paid back
(includes principal
& interest) |
How long it will take |
| $10,000 |
$00.00 |
30 minutes per card |
| $15,000 |
$00.00 |
30 minutes per card |
| $20,000 |
$00.00 |
30 minutes per card |
| $25,000 |
$00.00 |
30 minutes per card |
| $30,000 |
$00.00 |
30 minutes per card |
| $35,000 |
$00.00 |
30 minutes per card |
| $40,000 |
$00.00 |
30 minutes per card |
|
Number of minutes to
eliminate a credit card balance is based on cards still with the original
credit card bank or a collection agency. Accounts already being sued on will
take a little more time to do the paperwork. Source:
Milktoast.info |
Send the proper notices to the bank.
Send the proper notices to the collection agency,
collection attorneys, and demand your rights.
Do the right thing at the right time and you
win!
You CAN be debt free!
|
- This great republic, founded on the
concept of inalienable rights and self-government, was never designed for a
population of heel clickers and saluters. It was designed for thinking men and
women who could independently assess situations and form their own independent
judgements about what is good policy and what is bad policy.
Charley
Reese
"What's In A Name?" |
What The
Code offers...
A simple step by step process
that takes you from being in debt to being debt free - and guides you over all
the bumps and pot holes along the way.
- What to do with the banks...
- What to do with collection agencies...
- What to do if you get sued...
- What to do if you've already been sued...
|
"You can conquer almost any fear if you
will make up your mind to do so. For remember, fear doesn't exist anywhere
except in the mind."
Dale Carnegie
1888-1955, Speaker and
Author |
How you
benefit...
1. You no longer have to make
credit card payments!
2. If you get sued you can file
as little as one document and have the case dismissed!
3. If you've already been sued
and lost - you can file as little as one document and have the judgment vacated
and the case dismissed - and get all your money back!
|
"The beginning of knowledge is the
discovery of something we do not understand."
Frank Herbert
|
|
"Knowledge will forever govern ignorance:
and a People who mean to be their own governours, must arm themselves with the
power which knowledge gives."
James Madison to W.T. Barry, August 4,
1822. |
How it
works...
Its just a matter of law.
Here's Kentucky Rules of Court 12.08 (Every state
has a similar rule):
(3) Whenever it appears that the court
lacks jurisdiction of the subject matter, the court shall dismiss the
action.
But, it gets even better:
Subject matter jurisdiction is the power
to hear and determine cases of the general class to which the proceedings then
before the court belong. Sons v. City of Crown Point, 691 N.E.2d 1237, 1239
(Ind. Ct. App. 1998). Subject matter jurisdiction cannot be waived or conferred
by agreement. Id. Subject-matter jurisdiction may be raised by the parties or
the court at any time, including on appeal. Campbell v. Eckman/Freeman &
Associates, 670 N.E.2d 925, 929 (Ind. Ct. App. 1996), trans.
Denied.
But, here's the best part:
Once the question of subject matter
jurisdiction has been raised, the burden of establishing subject matter
jurisdiction rests on the party asserting jurisdiction. See Thomas v. Gaskill,
315 U.S. 442, 446 (1942).
This mean, the Plaintiff (the bank or collection
agency) must prove by a "preponderance of evidence, on the record" that the
court has subject matter jurisdiction.
We teach you how to make that "preponderance of
evidence" impossible.
How?
1. Illegal
Consideration
Pursuant to Title 12, Section 24, Seventh banks
are not authorized by law to lend credit. The lending of credit is not included
in the list of incidental powers authorized by Congress.
All credit card banks admit on their websites that
they lend credit. They lend credit cards. We know they are only lending the
card because it states on the back of the card something similar to: This card
remains the property of issuing bank. Or, it will make this or a similar
statement in its Agreement.
People then take these credit cards to a merchant
and use the credit card bank's credit to buy things. When a merchant accepts a
credit card, it isn't accepting the credit of the cardholder. It is accepting
the credit of the bank.
Here's what the courts have said about banks
lending credit:
“. . . the bank is allowed to lend
money upon personal security; but it must be money that it loans, not its
credit.” Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case
No.12, 642, 1039.
“In the federal courts, it is well
established that a national bank has not power to lend its credit to another by
becoming surety, indorser, or guarantor for him.” Farmers and Miners Bank
v. Bluefield Nat ‘l Bank, 11 F 2d 83, 271 U.S. 669.
“A national bank has no power to
lend its credit to any person or corporation.” Bowen v. Needles Nat. Bank,
94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED
637.
“It is not within those statutory
powers for a national bank, even though solvent, to lend its credit to another
in any of the various ways in which that might be done.” Federal
Intermediate Credit Bank v. L ‘Herrison, 33 F 2d 841, 842
(1929).
Banks lending credit is no different than banks
selling cocaine. They are both illegal and any agreements involving either are
unenforceable.
In the case of mortgage foreclosure you have one
additional bullet. Make them prove they actually own the note. Demand they
bring forth the original note. Something they are finding almost impossible to
do with all the buying and selling of "Mortgage Backed Securities."
2. Void Contract
“The contract is void if it is only
in part connected with the illegal transaction and the promise single or
entire.” Guardian Agency v. Guardian Mutual. Savings Bank, 227 Wis 550,
279 NW 83.
“Even though it may be sufficient in
other respects a consideration which is illegal will not render a promise
enforceable.” Dennehy v McNulta 86 Fed. 825 59 US App 264 30 CCA 422 41
LRA 609 State Bank of Greentown v Lawrence 177 Ind 515 96 NE 947 42 LRA NS 326
Nicholson v Ellis 110 Md 322 73 Atl 17 132 ASR 445 24 LRA NS 942 Dickson v
Kittson 75 Minn 168 77 NW 820 74 ASR 447 Coventry v Barton 17 Johns NY 142 8 Am
Dec 376
3. ... for members
only.
Its the
best - most affordable program available...
If you doubt this, check around. Try to find
anyone who will offer you the same benefits, the same level of success, for
even twice the price.
If you can, buy it.
|
Whoever controls the volume of money in
any country is absolute master of all industry and
commerce.
President James Garfield |
What's
our program worth?
What's it worth to you to be debt free?
What's it worth to you to be able to defend a law
suit and win?
What's it worth to you to be able to overturn a
bad court decision and get your money back?
What's it worth to you to actually be in control
of your own financial destiny?
|
Yours
has been great! |
|
Hi
I am to the collection segment on 5
credit cards. Discover, Citibank, MBNA , Juniper and Chase Manhattan. I have
been notified by one law firm. All others are still in the collections dept of
the banks. All accounts have been sent notices of default. It has been a very
enlightening and educational process. Thank you so much for your study and
willingness to share your knowledge with others. I had heard about the $3000.00
program but it was entirely out of my reach. Yours has been great!
J.O. |
|
Thank
you so much... |
|
Jim;
Thank you so much for this. So far, I
still haven't received any response from any of the credit card banks that I
sent the documents to in March, but it's good to know that an effective
recourse like this is available should it ever be needed. BTW, I have lurked on
other discussion boards of similar programs and no one provides the support and
detailed assistance that you do. Thanks for all that you do for the members!
CTR58 |
|
If
hadn't been for all your great info... |
|
Jim, my sister and I talked about doing
our own program and being your competition!!! Seriously, if it hadn't been for
all your great info, all the posts over the last year, and doing a lot of our
own research, we wouldn't have a clue as to how to deal with these low life
bottom feeders.
I am currently going thru 2 suits, my
mother is going thru one, and now my sister has another one to deal with. I
think the key is keeping after them just like you suggest. They don't show up
because they know they can't support their case because it is full of lies and
bullshit. And they aren't going to bother with people like us that are Irish
and are pissed off. My advice is to not get discouraged, don't give up, don't
get itimidated, and hang on like a pit bull. When they figure out it's not a
walk in the park, they will be the ones to give in.
Thank you for all the hard work you have
done to help all of us and for all the great letters and motions. Your program
is worth 10 times what we paid for it. (by the way, I had already gotten into
the 3k program before I found you- your info is lots better)
pudgiepupppy |
How long
does The Code take?
Depending upon how quickly you get started, how
the banks respond, and other factors which we have no control over, any where
from 12 to 24 months - generally.
Here's
what members say about The Code...
|
Worked
to get rid of a mountain of debt... |
|
Dear Jim,
I had originally subscribed back in
January, 2003.
HowToGetRidOf.com worked to rid me of a
mountain of cc debt.
But unfortunately the cycle has repeated
itself where I find myself again drowning in a new ocean of CC debt, this time
even worse than before as now I can't even pay my mortgage.
I have ignored the collectors for almost a
year out of share laziness to do anything, but now it's getting more serious
and I must begin my offensive. It's been about 2 years since I last even logged
into www.milktoast.info...
moshiach
7/22/08 |
|
To the
tune of $100,000... |
|
I have been using Jim's information for
going on 3 years. I had 16 Visa / Mastercards including a Discover to the tune
of $100,000.
Only 2 out of the 16 have taken me to
court... Like it says in there somewhere... "don't expect to win in lower
court" (lawyers and judges) are CROOKS!!!!
The first court case I lost because I just
ignored the fact, and never appeared so they got a default judgment. I have
since sent Jim's latest Collection Default and Estoppel to them, and they don't
bother me any more!!!
The second court case, I followed through
with, and went for a Motion to dismiss because the collection atty didn't have
a qualified witness to justify the debt... that was denied... summary judgment
in the Plaintiff's favor. Filed the latest Collection Default and Estoppel to
them, and they removed it from all of my credit reports completely deleted!!!!
This latest latest Collection Default and
Estoppel letter has 1000 times more than platinum, I'm in the process of filing
it with the rest of the cards / collections.
Living on CASH is not so bad... It just
takes a lot of discipline.
Thanks Jim for all of your platinum
information.
mgruber01
December 28, 2007 |
|
I'm
thrilled... |
|
Dear Jim
Just bought your package. I've got to say,
I'm thrilled with your package. The forms make this whole thing a quick and
easy process.
Steve - Ark. |
|
Thought
we wouldn't fight back... |
|
Wednesday September 5, 2007
Jim,
I received good news in the mail today.
Plaintiff filed a voluntary motion to dismiss which has been granted.
This suit must be costing them more than
they're willing to risk. I think plaintiff was appraising its claim and action
toward defendants.
Plaintiff denied all the admissions, but
asked for more time on the requested documents.
In the beginning they probably thought we
wouldn't fight back. More than likely we wouldn't have if we hadn't discovered
your website and signed up for your program.
My wife and I have received a very
rewarding education about the subject matter on your website.
euragge |
|
The
best... |
|
I've subscribed to several DE programs and
I'd have to say this one is the best,
questneverythng |
How do I
know it will work...
If you think you are beaten, you
are.
If you think you dare not, you don't.
If you like to win, but
you think you can't,
It is almost certain you won't.
If you think you'll lose, you're
lost,
For out of the world we find,
Success begins with a fellow's will
-
It's all in the state of mind.
If you think you are outclassed,
you are,
You've got to think high to rise,
You've got to be
sure of yourself before
You can ever win a prize.
Life's battles don't always go
To the
stronger or faster man,
But soon or late the man who wins
Is the man
WHO THINKS HE CAN!
Here's
what you need to do next...
Choose:
You can continue paying money you don't owe and go
broke.
You can get a debt counseling/negotiation company
to help you negotiate a discount on the money you don't owe, and go broke
slower.
You can use the information above. Do your own
research and create your own documents and save a lot of money but spend a lot
of time, and maybe do it all wrong, or...
Become a
Member, get access to our proven - time tested information, and be debt free
tomorrow...
the Right
Way.
The Money
Talk...
|
Lifetime Membership -
without Support for:
Unlimited cards
|
$67 |
|
One Year Membership - with
Support for:
Unlimited cards (Click
Here) |
$197 |
|
Lifetime Memebership -
with Support for:
Unlimited cards (Click
Here) |
$297 |
Get It
Free: Credit Cards got you into this mess -
let Credit Cards get you out. Put your membership fees on a credit card you
plan to get rid of and let a banker pay for your financial freedom. Poetic
justice.
Disclaimer: This program does
not include support of any kind. As a member you have unlimited access to our
website and all the information and documents it contains. BUT, you do not get
support. If you think you will need or want support -
click here.
Bonus: Does your stomach get queasy,
your palms start to sweat, your heart start to race, every time you get a
letter from an attorney? Put a stop to it. On our website you'll learn how the
legal system works. Once you learn how the system works you'll be able to deal
effectively with other legal problems: traffic tickets, erroneous hospital
bills, utility bills, nosy neighbors, etc.
Member's
Discussion Forum: Discuss the Code with other
members - anonymously. Feel good without feeling guilty or
embarrassed.
|
To Your Success,  |
P.S. - A great patriot once
said:
"There are 3 kinds of people in the world:
- Those that MAKE THINGS
HAPPEN...
- Those that WATCH Things
Happen... and
- Those that SAY "What
Happened?"
Make it Happen!!!
Warranty: We warrant
our information to be true and accurate to the best of our knowledge and
belief. If you find any information on our website that is not true and
accurate we will correct it within 10 days of written notice and proof.
Hint: Put your membership fees on a
credit card you plan to get rid of and let a banker pay for your financial
freedom.
Final
thought...
There is an ancient Chinese proverb: "Knowing and
not doing is the same as not knowing." You have your plan. You know what to do.
Now is the time to act.
|
. 