FAQs

Credit Card Debt Elimination FAQs

How does your program eliminate my credit card debts?

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We utilize the same process that is used by thousands of attorneys throughout the United States.  However, we charge substantially less than they do for the same basic services.

Could you please describe the process?

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There are two pieces of federal legislation that are relevant to this process. They are the Fair Debt Collections Practices Act (15 USC 1692 et seq) and the Fair Credit Reporting Act (15 USC 1681 et seq).  You legally dispute the validity of the credit card account(s).  The process is as follows:

  1. Novation.  We first send a twenty-five (25) dollar payment to a given credit card account, accompanied by a statement that if it is accepted, then the account is paid in full and the creditor admits to having committed fraud through nondisclosure and misrepresentation of material elements to the cardholder agreement.

    We retain the credit card billing statement showing that the novation was accepted as supporting evidence.

  2. Validation.  We then proceed to demand legal validation of the alleged debt, which as far as I know, no creditor has ever provided. This involves three separate notices spaced out over several months.  Once completed, the credit card issuer will have defaulted and admitted that no legitimate debt exists.

  3. Credit reporting agencies.  Once we have established by default that no valid dent exists, we contact each of the three credit reporting agencies with instructions that they immediately delete the invalid nonexistent debts.

Will you guarantee that my credit report will be cleared of the invalid listings...

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Will you guarantee that my credit report will be cleared of the invalid listings once this process is complete?


No.  However, if the credit reporting agencies fail or refuse to correct their listings by the end of this process, then you will have sufficient hard evidence with which to file a lawsuit against them for violations of the Fair Credit Reporting Act.  In such a lawsuit, the mandatory fines are two thousand (2,000) dollars per incident.

What can I expect from the credit card companies after I initiate a dispute?

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In most cases, they will charge off the “debt”.  Frequently, they refer the account to collection agencies.  However, it is possible that they will sue you.

Will you help me with calls and letters I receive from collection agencies?

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Yes.  That is part of the service we offer with this program.  We can generally make the collection agencies leave you alone.  We can even file complaints with the Federal Trade Commission on your behalf against collection agencies that refuse to leave you alone.

Can you help me if I get sued after initiating this process?

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Yes.  However, that is not part of this particular service.  We do have a Preferred Client Program that can help you fight a lawsuit, especially once you have amassed evidence through this dispute process.

How long does the entire process take?

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About nine months, though your retainer agreement is good for twelve months. We will continue to work on your behalf until the process is complete.

Can I continue to use my credit cards once you have initiated the dispute process?

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No.  Once you dispute the validity of a credit card account you must immediately stop using any cards issued on that account.

You indicated that part of this process is based on the credit card companies committing fraud...

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You indicated that part of this process is based on the credit card companies committing fraud.  How have the credit card companies committed fraud?

A bank or financial institution is in the business of lending money. However, it is a provable fact that they never lend you any money in order to credit your credit card transaction account.  Since the ordinary course of business of the bank or financial institution is to lend money, it is therefore necessary that you are informed when you sign up for the credit card, that
you will not be loaned any money by the bank or financial institution. They always fail to do so, which means they have committed fraud through nondisclosure and misrepresentation of material elements to the cardholder agreement.

This invalidates the cardholder agreement and thereafter the bank or financial institution cannot claim to be the original creditor on the account (since they never loaned you any money in the first place).  This is important because the Fair Debt Collections Practices Act does not apply to original creditors.

Can I use this process to eliminate my mortgage payments?

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That is not a service we offer.  There are people who have tried to use this general process to eliminate mortgages, with varying degrees of success. I suggest you be very careful… there are many charlatans who will promise you whatever you want, take your money, and not deliver on their promises.  I suggest you read Tom Schauf’s book, America’s Hope to Cancel Bank Loans without Going to Court.

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