Dear Reader,

There are two ways to deal with this addiction.

The banker's way. Slow, easy, withdrawal:

Or, cold turkey.

That's right - eliminate all your credit card debts in 30 days or less.

Ask any addict...

The slow, easy, withdrawal method doesn't work. Its designed to fail.

I know. I've beaten booze, cigarettes, and credit cards. The only thing that worked - cold turkey.

To beat an addiction requires two things:

1. The absolute desire to stop doing what you're doing; and
2. The willingness to do what ever it takes.

You have to be willing to put yourself in a position of no return. You either succeed - or else.

Anything less and you're just fooling yourself. You're playing into the bank's hands. The bankers depend on relapse. That's why they go along with negotiation, consolidation, and other half-way measures. They want you back.

A banker's world...

What kind of world do we presently live in? Just take a look around...

• The U.S. economy has ground to a standstill and the stock market is stuck in quicksand.
  
  
• The credit markets have dried up, and even our largest banks are teetering on the brink of disaster.
  
  
• The equity in your home - most people's #1 source of savings and wealth - is dwindling by the day. And despite the steady stream of pro-dollar B.S. flowing from the Fed, the value of your money is tanking too.
  
  
• The number of unemployed Americans is heading toward Depression-era levels, and personal and corporate bankruptcies are setting all-time record highs with each passing month.
  
  
• Gasoline, natural gas, and electricity prices are sky-high and roaring higher. And every trip to the grocery store costs you more than the last one did.
  
  
• Consumer confidence is cratering... prospects and customers are curtailing discretionary purchases and beginning to watch every penny as if it were their last... and retail sales at all but discount stores are plunging.
  
  
• Two major financial institutions - Merrill Lynch and the Royal Bank of Scotland - just issued frank, blatant, in-your-face warnings that the global economy and world stock markets WILL suffer a major meltdown in the next 90 days.
  
  
• And if all that isn't enough cause for concern, we have not one but two economic ignoramuses running for president, pitching spending schemes that historically have proven to be recipes for financial catastrophe.

Is this the kind of dependent - addicted - world you want to live in? Leave your kids?

Have you seen...

Have you seen the television commercial where they're selling power wheelchairs to seniors?

They show a lot of older people tooling around in these power wheelchairs going places they couldn't go before. They've given them back their life - their freedom.

What they don't tell you, these wheelchairs can cost upwards of $12,000.

Instead, they tell you that 9 out of 10 people pay little or nothing for there power wheelchairs. So why not call and see if you qualify.

What this company has done is build a very expensive power wheelchair that people need and want and then taken the time, effort, and money to research literally thousands of pages of Medicare law and found a legal way to get the government or other insurance to pay for it. Smart.

They've done the research that 99.9% of their customers would never do on their own. They've done the really hard work so their customers wouldn't have to. All their customers have to do is enjoy the benefits.

We've done the same thing for you...

We've researched the law and found ways for you to legally, ethically, and morally eliminate your credit card debt. Not pay it off. Not negotiate or consolidate it. Eliminate it. Completely.

What we've done doesn't take a law degree. It doesn't take a lot of intelligence. It just takes a lot of time. Something most hard working Americans don't have a lot of.

We've made it as simple as possible for you. We furnish you with instructions, all the documents you'll need. All you have to do is personalize them. If you have questions, we have a support forum - just for you.

We make it so simple anyone can do it...

How it works...

What we found is quite interesting.

The most important fact — not an opinion, but a fact — that we found - every valid, legal, enforceable contract must have 5 essential elements.

1. Competent parties
2. Subject matter
3. Legal consideration
4. Mutual agreement
5. Mutual obligations

According to all the courts in all the land, if just one of these elements is missing, the contract is invalid, illegal, and unenforceable.

If you properly analyze any credit card agreement you will find that it lacks at least 2 of these mandatory elements: mutual obligations and legal consideration.

Now you're probably wondering, if the agreements are invalid, illegal, and unenforceable, why haven't the courts stricken them down?

They have.

Its just that court decisions are different than laws passed by state legislatures or Congress. A court will only make a decision about what is before it. If the case is only arguing the arbitration clause, that's all the court will address. In addition, its decision only effects that cardholder and that bank. The case would have to be appealed up to the state Appellate or Supreme Court to have effect on every member of the state. Something smart bankers don't usually do.

When they have, they've lost.

That's why most banks no longer attempt to force their bogus arbitration clauses on people. Its been ruled unenforceable in too many courts.

What the bankers don't want you to know...

The exact same arguments used to invalidate the arbitration clause can be used to invalidate the entire agreement.

If this is done, the entire agreement is unenforceable and the cardholder no longer has to make any payments. The agreement and the debt are void.

Even more importantly, courts cannot afford to play games with contract law. If they even hint at allowing weak, invalid contracts to stand, they'll destroy their state's economy. People will tell you that money makes the world go round, and it is probably true. But, strong contract law makes the money go round.

Weaken the law, lose the money. Just ask the people of Zimbabwe and Venezuela.

Don't take my word for it...

Mutual Obligations

Here's a clause from the agreement of a major credit card bank:

Changes in Terms. We may add to, remove, amend or change any part or provision of this Agreement...

Account Closure and Suspension of Credit Privileges. "We may, at any time, with or without cause, with or without advance notice, and regardless of the existence or non-existence of a default under this Agreement, cancel the account and/or temporarily or permanently suspend your credit privileges under this Agreement."

Does that sound like the bank is obligated to any particular provision of its agreement? Does it sound like it has to stand behind any of its promises?

Here's what the courts have said about mutual obligations:

"Mutuality of contract means that an obligation must rest on each party to do or permit to be done something in consideration of the act or promise of the other; that is, neither party is bound unless both are bound; a contract that leaves it entirely optional with one of the parties as to whether or not he will perform his promise would not be binding on the other." THE MONEY PLACE, LLC v BARNES, 01-1361_S.W.3d_.

"Unless a contract is binding on both parties it is not binding on either." Rehm-Zeiher Co. v. FG Walker Co. 156 Ky. 6, 160 SW 777 (Ky. 1913)

"As we have said, it is a fundamental principle of law that there must be mutuality in every contract. If one of the parties is not bound, then the other is not." Steinwender-Stoffregen Coffee Co. v. Guenther Grocery Co. 26 Ky. L.R. 270.

When the bank can change the terms at will, renege on its promises at will, the agreement lacks mutual obligation. Its unenforceable.

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.

“If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise.” Menominee River Co. v. Augustus Spies L & C Co., 147 Wis 559, 572; 132 NW 1122

“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 is unenforceable.

Why do the bankers keep up the scam...

Because they can...

Do you or anyone you know understand contract law? Read and understand court cases?

Its called ignorance.

What you don't know won't hurt the bankers.

The bankers know that their contracts are presumed valid unless you contest them. If the contract is contested, it is the responsibility of the bank to prove its valid. You don't have to prove squat.

They also know that not 1 in a 1,000,000 Americans have a clue what's going on. They know they can even sue most cardholders and the morons won't even show up for court, the bank wins by default. Most of those who do show up, don't have a clue what they're doing.

That's why most banks won't sue our members. They don't want to confront someone who knows what to do and how.

All in all, the odds are in the bank's favor.

Then there's Money!

When you consider Americans now think they owe an estimated $1 Trillion to credit card banks - well - the interest alone is worth the risk. What little risk there is...

What can you do...

You pretty much have two choices. Keep getting screwed by the bankers or remove your head from where the sun don't shine and stand up for legal rights.

All it takes is our information and a little moxie.

The central bank is an institution of the most deadly hostility existing against the Principles and form of our Constitution. I am an Enemy to all banks discounting bills or notes for anything but Coin. If the American People allow private banks to control the issuance of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the People of all their Property until their Children will wake up homeless on the continent their Fathers conquered. - Thomas Jefferson - Author, Declaration of Independence - 3rd. President of the United States

Who can we help...

If your accounts are still with the bank, we'll show how to contest and amend the agreement. Put the bank between a rock and a hard spot. Over 98% of the time, notices to the bank is all it takes. They'll still disagree with you - but they won't do anything but disagree.

If your accounts have been turned over to collection agencies, we'll show you how to deal with them. Set them up so they go away. Again, a simple set of notices is all it takes - 98% of the time.

If your already being sued, we'll show you how to defend yourself and win. You don't have to be a door mat to some collection attorney.

If you've already been sued and lost - we'll show you how to re-open the case and fight back.

If you're ready to stand up for your legal rights - if you're ready to join the New American Revolution - if you're ready to stop being an ATM machine for bankers and collection attorneys, now's the time to become a member.

Membership...

What you'll get:

• Access via our website to the most effective - up to date - documents you'll need to deal with banks, collection agencies, and law suits;
• Eliminate as many credit cards as you like;
• Support from our trained staff of experts;
• Communicate with other members.

For how long:

• Twelve months for only $197

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.

Respectfully, A Satisfied User