If you're an honest, ethical person who believes that the party who funds a loan should be repaid, then we can help you. We all grew up believing that credit was money (Legal Tender) and the lender was at risk and that it should be repaid. The reality is that the banking system does not work in that fashion.

Let's go through how money is lent at the bank level, then we'll see how this applies to you and your alleged debt.

Here's how it really works……

First, you signed a promissory note, a promise to pay the credit that was extended to you and interest over a period of time. You expected to do this.

You acquired the credit by signing a promissory note (your credit card agreement). However, the bank does not let you know that a promissory note is actually a "negotiable instrument" under the Uniform Commercial Code, and that it will be deposited to fund your loan. The banker or creditor turned the note into cash through the Federal Reserve and used it to pay off the credit that was extended to you. The net result is you just funded your own credit on the power of your signature and the banker or creditor doesn't tell you up front that it is paid off. That's right: banks and lending institutions only appear to lend money.

When you signed the unsecured debt agreement, your signature created the credit that the bank or creditor extended to you! The promissory note is a bank asset, and that asset is deposited into a demand deposit type of account. You have just signed an agreement wherein you promised to pay the lender principle and interest when they had nothing at risk to begin with!

To add insult to injury, the lender can fractionalize your note through the Federal Reserve, expanding its value up to nine times the note's face value ($25,000 can become $225,000) -tax-free money he can invest or spend as he pleases. You thought that piece of paper was just a commitment to pay back a loan, but to the banker, your signature was worth cold, hard cash.

The "lending" techniques that are used in the Banking System today are beyond brilliant. It took some very smart people to figure out how to appear to be lending money, when in actuality the "Legal Tender" is being supplied by the person that requested the loan! The bank or other lending institution does NOT disclose to you that your promissory note is actually an asset to the bank that they deposit. It is important for people to understand that in today's Banking economy promissory notes are the Legal Tender.

All we're asking for is equal protection under the law, equal protection under the bank loan agreement, and for the whole truth about the bank loan agreement to be revealed. Because the reality is, the whole truth is NOT revealed to the borrower.

The end result is you and millions of others believe you have a debt, when in fact you factually provided the actual cash value for your own loan! We understand it is initially difficult for a client to accept that the banks would have crafted a plan of such monumental proportions to take advantage of people, however there are resources where our clients can do further research on these issues.

How Do The Banks Do That?

1 How can you buy a car for 0% financing for over five years?

2 Could you wait five years for your paycheck?

How do they get their money????

Example: John needs $100 and decides to borrow from his wealthy friend Mary. Mary gives John a loan application to complete. While John is filling out the application, Mary pulls the $100 from John’s wallet. When John finishes his application, Mary gives John the $100 and states that she expects her $100 plus 6% interest in 6 months. Did Mary loan John any money, or did she loan John his own money? Should John accept the $100 as a loan? The obvious answer is NO. What if John did not know where the $100 came from? Would there be a real loan if John took his own $100 from Mary?

How do banks and credit card companies create money?

Don’t take our word for it, check out the rest of the information for yourself.

The reality of ballooning unsecured debt in these United States has created problems of colossal proportions. Thousands of people have been impacted, having endless effects on marriages, mental health, occupational performance and general welfare. Almost one and one half million Americans declare bankruptcy yearly.

Our trained staff is ready to empower you to take control over your finances. We give you the tools to educate yourself as well as individual support, putting you on the path to resolving your credit problem.

Are you sure you really owe any money?

How do they monetize your debt? Did you know that your signature on the credit card application has value? Did you know that value becomes the available limit on the Credit Card itself? Therefore, the application is the same as a promissory note, and in America the promissory note can be the same as cash. Does that mean that your signature created the dollar amount that shows up on your credit card statement? How can that be?

Let’s just see what these major banking publications have to say about it!!

"The creation of money through the lending process is then thoroughly explained to illustrate why and how commercial banks serve as a major conduit for implementing monetary policy." – American Bankers Association

"Of course, they [Banks] do not really pay out loans from the money they receive as deposits. If they did this, no additional money would be created." – Modern Money Mechanics, Federal Reserve Bank of Chicago, page 6

Since the credit card company accepted your application, is the credit card company any different than Mary?

The answer is NO. The credit card company is the same as Mary. They have stolen your money giving it back to you as an alleged loan! Because you, like John, did not know how Mary or the Bank got the money, it does not change the fact that Mary or the Bank actually defrauded you and stole your money. The bank may say that they extended you "credit". What does that mean? Barron’s Dictionary of Banking Terms states "bookkeeping entry representing a deposit of funds into an account." We can show you the money trail. Can the bank? Why would a bank settle a $12,000 account for $21.47? (That actually happened with one of our clients – maybe they were empowered with knowledge of how the banking system works.)

Just because you do not want to believe this, does not make it any less true. Remember, the TITANIC was supposed to be unsinkable!

So… What is a consumer to do?

The best solution that our company has available is the power of the individual. The individual, through knowledge, can confront the Banksters and say "show me the money trail".

We are dedicated to the truth. The truth, in this area, generally does not sit well with most.

Step 1: Become empowered through education.

Step 2: Use that new knowledge with our help.

Step 4: Share the news with others.

Education is the key to knowledge. Knowledge is power. Power based on truth will set you free. We are here to set you free by educating you to do your own work; we are here to tutor you in your quest to become debt-free.