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

Just a quick update friends:

I can imagine many of you are worn out from learning the process and probably won't be looking in on things on the site sometimes months at a time.

Let me assure you, this process works!

My buddy, who was a member of Milktoast before his membership expired (this no longer happens) just won as a defendant against CharterOne Bank here in Cleveland, Oh.

They were after him for $32k after they "mistakenly" paid off his mortgage.

They even informed the three credit bureaus of this.

Of course he kept the originals of what he got from the bank and CB's.

The banks lawyer tried to trip him up by asking him "did YOU pay it off?"

My buddy simply said he didn't have to answer that.

He showed the court the debt was paid, the notice it was paid was from the bank and all the credit bureaus were aware of this as well.

Key point, argue simply that the debt is paid, it does not mean squat who paid it!

The attorney was pissed and being in their playground, the judge stalled hearings so the two parties could "work things out" as if my friend was in the wrong.

A trial date was eventually set and then the bank was hit with discovery.

Now we all know that the bank was not about to open up their books to reveal the fraud and they certainly weren't going to let their attorney get himself into too much hot water which is exactly where he was headed.

In the meantime, they had some difficult questions, answers to which, and documents they had to come up with; originals I might add, and you know what came next.

They dismissed the case against him and his credit record was cleared just days before trial.

It was a victory for all of us.

We were proper, professional, and on time.

Everything we learned came from what we studied on the Milktoast website, money well spent.

If we learned anything, it's that you have to persist and stand your ground to fight. Learn your environment. There's enough on the website now to get you well trained to last the final round.

By the way, we used older documents than the better stuff we have now, we just knew what we were doing.

I'll check in more often to see if I can put my two cents in from time to time.

This does work so stay strong Milktoast members.

Thanks a hell of a lot Jim!

stomper12000
March 10, 2008

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

This is a case involving HSBC:

12/22/06 - Bank Notice sent

01/22/07 - Notice of Tender sent

02/02/07 - Certificate of Default sent

03/01/07 - Collection Notice to attorneys sent

03/23/07 - Summons (Don't remember the exact date I was served.) served by HSBC

03/28/07 - I serve request for Admission and production of documents

04/11/07 - I file Answer/Counterclaim

04/12/07 - Plaintiff served discovery on me

04/27/07 - Plaintiff's reply to Defendant's counterclaim served

05/02/07 - Another Plaintiff's reply to Defendant's counterclaim served

05/07/07 - Defendant's response to Plaintiff's request for admissions sent

05/09/07 - Defendant's Notice and Motion for Summary Judgment filed - This was done wrong, I mis-read the local rules and did not notice the motion for an oral hearing so it just sat and collected dust.

07/26/07 - Re-noticed Defendant's Motion for Summary Judge to schedule an oral hearing on 08/17/07

08/09/07 - Plaintiff filed motion for extension of time to respond to Defendant's request for discovery

08/15/07 - Defendant filed Affidavit of Denial

08/17/07 - Defendant filed Objection to Plaintiff's request for extension of time

08/17/07 - Prior to the hearing Plaintiff's attorney offers a deal - if HSBC dismisses its complaint, will I dismiss my countercomplaint?

I agreed.

The judge asked three questions. I responded "Yes Sir."

Judge accepts agreement. Click here to see a copy of the court order.

I walk away not owing HSBC a dime.

All I did was follow my own instructions, complete same paperwork as everyone else and say three "Yes Sirs." Not hard at all.

Jim

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

Jim,

When I became a member my credit card bills were overwhelming and the creditors would not work with me to lower the interest rates. Now, after using your services, I no longer get collection calls or letters.

Your support forum is a life saver. Not only do you answer questions quickly, I found out I'm not alone with this problem.

The templates for the letters - they are great!

And would you believe? I recently got a home loan and was able to show the Defaults that were filed in court to prove the debt was not mine.

Wendy

Dear Jim,

I used your service because I was impressed with your website, it conveyed knowledge and experience. It also gave me confidence that I would easily receive support when I needed it. Another thing I appreciate, is that you do respond to questions very quickly.

Since sending our letter, we have not heard from the bank or collection agency, and that was back in November, so now we will see what happens, but I have peace of mind that whatever happens, I can get help. I no longer feel alone! I am very grateful for everything you have done.

Thank you for all your help. I wish you continued success...

Sincerely,

Celine

I'd like to thank Jim, (and any supporting staff), along with the others that have posted here.

When I first saw and read the information here I was very skeptical of what was being said. I mean come on-would "our" government really let a fraud like this go on? They work for us.... right!?! I served in the military, worked for years in R&D, and did what I thought was required of me by the united States of America and of my home State. Honestly, I had written sites like this one, (and others), off as being whacked out nut cases. That has changed considerably, (I'm a whacko, he's a whacko, wouldn't you like to be a whacko too?

Now I have a better understanding of not just this subject, but also of Common Law, UCC, the implications of ZIP codes, and other issues, (like how the "United States of America" is a Corporation, and not to be confused with the "united States of America"), and that we are all slaves from birth, why we are treated like animals by the companies we work for, and why they have been getting away with it.. Yes I have been burning the midnight oil- Knowledge is POWER.

I have run some of the precepts here passed some of the Bloodsuckers, (Collection Attorneys), I work for/with. From their reactions I see clearly this information is true, not to mention damning. They got real quiet and didn't want to talk about it. I have since put in my notice.

regulator

Dear Jim,

I've subscribed to several DE (debt elimination) programs and I'd have to say this one is the best,

questneverythng

Jim,

02/12/07

UPDATE!

Well, I believe I can call this a huge victory. I used the Milktoast process and the Notary process on these guys and they were still arrogantly saying I owed them money.

Although they stopped harassing me after using the Notary process they reported me with their lies to ChexSystems and all of the credit reporting agencies and refused to remove them.

As a result I crafted a dispute letter disputing the information to ChexSystems and the cra's. I then crafted a follow-up letter threatening to sue them for failure to produce proof requested, included the Notary Default Certificate and the fact they failed to report to the credit reporting agencies my dispute as required by law.

The end result was the removal of all of their information reported to ChexSystems and the credit reporting agencies. They no longer harass me and and my credit rating has hugely improved.

The letters I crafted in conjunction with the Milktoast process and the Notary process are absolutely dynamite. I am currently using them to follow-up with the remaining nine accounts that I used Milktoast and the Notary process on and so far it appears to be having the same positive results. I will keep everyone informed.

ldanf52

The following was recently posted to the "Personal Experiences" section of our support forum:

Wow!!! Wow, wow, wow, wow WOW!

I just looked up my credit report and it's amazing!

Although a few cards are still showing past due, NONE of the cards that are out for collection are showing as out for collection.

FirstEquity, the nastiest one of the bunch has dropped out of existence, doesn't show anywhere.

3 CapOne accounts have gone poof as well. No evidence they ever existed.

ALL 6 AMEX accounts have gone poof. No evidence they ever existed.

Two accounts show as closed, paid as agreed.

That's 12 out of 25. 50% right out of the box.

I can't tell you how grateful I am, Jim. Thank God for your dedication and courage.

The rest of these bad boys are history.

Next stop: mortgage. Those suckas are going down this year. Stay tuned.

PTRMS

Jim,

I have used your information with great success, to the tune of 13 credit cards with balances totalling $71,000...

mgruber01