The Credit Card Debt Myth: How Tommy Kilpatrick Helps You Erase “Alleged” Debt and Reclaim Financial Freedom

Summary

Podcast Summary: The Credit Card Debt Myth – How Tommy Kilpatrick Helps You Erase “Alleged” Debt and Reclaim Financial Freedom

Podcast: The Amazing Authorities Podcast
Host: Mitch Carson
Guest: Tommy Kilpatrick (author, credit card expert)
Date: November 13, 2025

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Episode Overview

This episode dives deep into the “myth” of credit card debt, challenging the conventional wisdom that everyday people—and even most financial professionals—hold about credit, debt, and the banking system. Guest Tommy Kilpatrick, author of Forgive and Forget: How to Nuke Your Credit Card Debt, presents a controversial blueprint for reclaiming financial freedom, arguing that what most of us believe are credit card debts are, in fact, “alleged” debts with no legal foundation. Drawing from his experiences in federal court and his background in accounting, Kilpatrick offers both his provocative story and concrete steps for listeners to challenge their own supposed debts.

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Key Discussion Points & Insights

1. The Origins of the “Alleged” Credit Card Debt Theory

• Tommy’s Story:

  • Ran up $85,000 in credit card debt after a business failure ([02:07]).
  • Recalled lessons from Modern Money Mechanics and his father (an attorney/judge): “the bank does not have an invoice”; “fraud undoes all contracts” ([02:26]).
  • Filed a federal lawsuit against the banks, was dismissed—but noticed credit card debts disappeared from his credit report a month later ([02:52]).
  • From this, began helping others challenge their debts.

• Core Principle:

  • True debts must be based on unpaid invoices stemming from goods or services rendered.
  • Credit card debt, as issued by banks and not merchants, lacks a real invoice ([05:32], [08:16], [11:34]).

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2. Understanding the Distinction: Real Debt vs. Alleged Debt

• Debts you must pay:

  • Direct debt to a merchant for specific goods/services, where an invoice exists (e.g., dental work, tires purchased on in-store credit) ([05:32]).

• Alleged debts:

  • Bank-issued credit cards where the bank did not provide actual goods or services.
  • “If it says issued by Bank of America, Citibank... it’s a fake card. The bank does not have an invoice.” ([06:41] – Tommy Kilpatrick)

• Language Matters:

  • Using the term “alleged” shifts the legal burden onto the bank to provide a valid invoice ([08:10], [15:54]).
  • Memorable quote:

    “All I’m asking an audience to do is to ask. Add one word: alleged.”
    — Tommy Kilpatrick ([15:54])

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3. How the Banking System Really Works

• Modern Money Mechanics:

  • Explains that banks “accept your promissory note in exchange for writing numbers into your account” ([08:16], [09:00]).
  • Without a promissory note, no true loan exists.

• No promissory note = No loan:

  • Filling out a credit card application isn’t the same as executing a promissory note ([10:53], [11:34]):

    “If I give you something and I don't have you promise to pay it back, isn't that called a gift?”
    — Tommy Kilpatrick ([11:37])

• Banks’ Incentive:

  • Credit card “debt” is about collecting recurring fees, not servicing real loans.

    “The banks want you to deposit $1.3 trillion back into your free checking account. You don’t have to. There is no debt.”
    — Tommy Kilpatrick ([25:56])

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4. Challenging Alleged Debt: Practical Steps

• Letter-Writing Tactic:

  • Write to the bank, demand to see the invoice.
  • If banks can’t provide one, ask them to close your checking account and remove the “debt” from your credit report ([02:52], [19:12]).

• Leverage Third-Party Experts:

  • Take the case to a CPA or attorney for verification and have them write the letter ([19:47]).

• Legal Pressure:

  • Prepare lawsuit documentation (not to file, but to include as leverage: “They don't want this published” [23:48]).
  • Include injunctions to halt collection efforts if they sue you.

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5. Real-Life Scenarios Addressed

• Medical Bill Dispute (Host’s Story):

  • Mitch’s personal story about a disputed dental bill and being harassed by collections.
  • Tommy’s advice:
    • Use the word “fraud” in communication—“Once you say fraud on a telephone, they hang up right away” ([05:32]).
    • Demand documentation; if they can’t prove an invoice exists, collectors must drop the claim ([05:32]).

• Debit Card/Checking Account Hassles:

  • Mitch describes US Bank holding his money, demanding service fees, and giving no reason for closing his account ([21:34]).
  • Tommy frames this as seizure and “convenience for them”—and distinguishes that true bank account deposits/withdrawals are different from alleged credit card debt ([23:48], [28:12]).

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6. Language is Power: The Role of Words in Law and Finance

• Shift from “Payments” to “Withdrawals”:

  • Don't call checks to credit cards “payments”—they are “withdrawing your own money.”
  • Quote:

    “If you use the language of the criminal, you’re going to lose. So I have the right words to use.”
    — Tommy Kilpatrick ([17:48])

• Bank Statements vs. Invoices:

  • Statements are not bills; don’t mistake them for a contractual obligation ([14:45]):

    “Is that a bill? No, no, it's not a bill, it's a statement... You only pay from an invoice. But that bank-issued alleged credit card debt statement... is not an invoice.”
    — Tommy Kilpatrick ([14:43]-[15:43])

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7. Results and Limits of Kilpatrick’s Method

• What Works:

  • Kilpatrick claims he’s helped over 1,000 people clear credit card debts using this method ([02:52]).

• What Doesn’t:

  • Does not work for auto loans, personal loans with collateral, or debts where goods/services were directly rendered ([23:48]).

• Recourse if Bank Refuses to Remove “Alleged Debt”:

  • Notify the credit bureaus of fraud and demand error removal ([27:25]).

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Notable Quotes & Memorable Moments

• “Fraud undoes all contracts.”
  — Tommy Kilpatrick quoting his father, a judge ([02:42])

• “If you say you have a debt, you've got a debt and you can't get out of it.”
  — Tommy Kilpatrick ([01:27])

• “A mind like a parachute... only works when it’s open.”
  — Tommy Kilpatrick ([07:45])

• “Add one word: ‘alleged.’”
  — Tommy Kilpatrick ([15:54])

• “The banks want you to deposit $1.3 trillion back into your free checking account. You don’t have to. There is no debt.”
  — Tommy Kilpatrick ([25:56])

• Host’s Frustration:

  “It took me over two months to get my money and I never got an answer as to why they canceled my account. They never disclosed it. The worst customer service on planet earth. U S bank. Don’t bank with them.”
  — Mitch Carson ([22:41])

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Actionable Steps—For Listeners (by Timestamp)

• [19:47]: If you dispute a bank-issued credit card debt, have a CPA or attorney write to the bank demanding an invoice. If no invoice is produced, request account closure and debt removal from your credit report.
• [22:41]: Always withdraw your money before sending any dispute letters to banks, as they may freeze or close the account.
• [27:25]: If your credit report is not cleared, notify credit bureaus and cite fraud.

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How to Connect with Tommy Kilpatrick

• Facebook: Tommy A. Kilpatrick
• Offer: Free 15-minute consultation; receive his book for free ([29:14]).

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Final Thoughts

Tommy Kilpatrick’s approach is radical and controversial—rooted in his deep skepticism of banking language and legal tradition. Whether or not listeners choose to act on this advice, the episode powerfully underscores the importance of questioning financial narratives and understanding the legal basis for supposed debts.

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Useful for:

• Anyone feeling overwhelmed by credit card debt.
• Professionals interested in consumer credit law.
• Listeners seeking to challenge “business as usual” in banking.
• Skeptics and legal contrarians eager to see the system from a new perspective.

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Transcript

[A]

Welcome to the Amazing Authorities podcast, where game changers, visionaries, and category leaders share how they built their brands, platforms, and global influence. Your host is Mitch Carson, international speaker, media strategist, and creator of the Instant Authority system. If you're ready to learn from those who've done it and want to become the go to expert in your space, you're in the right place.

[B]

Welcome to the Amazing Authorities podcast. Today I have Thomas Cole. We're both Americans living overseas with our respective backgrounds. Now, Thomas has been.

[C]

Oh, let me stop you right there. The name should be Tommy Kilpatrick because that's my. My pen name. So maybe you could restart it, because I know I. I don't. I don't know why. Thomas.

[B]

Tommy Kilpatrick is in the house today on the Amazing Authorities podcast. He's in the Philippines, I'm in Bangkok. We're both Americans living outside of the US on this podcast today, and he is a credit card expert. I'm going to label him. About how you can nuke your credit card debt. Tommy, welcome to the show.

[C]

Well, thank you very much for having me. I'm excited.

[B]

Yes. And you have a book. Tell us about your book.

[C]

Sure. It's called Forgive and forget how to nuke your credit card debt. And it talks about my personal experience in federal court and how the court system is all set up for language is law and law of language. So if you say you have a debt, you've got a debt and you can't get out of it. So it comes and tells a story about. In court. And it's a very entertaining story, but it gives you the foundation that you can challenge or actually. Actually. But the bottom line is you're going to ask the bank to close your free checking account and they will do that and remove it off your credit report in 45 days.

[B]

Oh, so you handle credit reporting as well?

[C]

Well, that's what kind of. Kind of led it to the middle of my thing. What happened is I had a. I'm an author and I wrote a book on health and healing and. And in 2004, I was given an infomercial contract and things were going great, but I ran up my credit cards to live on it while we were test marketing. And then one of the towns got in trouble with the FTC and I got my. My contract was canceled and I left with $85,000 of credit card debt. So I. One morning I woke up thinking about my dad being a cpa. I was in school to be a cpa, even though I Don't have a credential. I've done the work of one. And I realized the bank does not have an invoice. They have no debt. And then I remember reading the book Modern Money Mechanics, which was required reading our accounting class, that the banks have to accept a promissory note to then write numbers into your free checking account. And I never signed a promissory note. My father at the time was an attorney and a judge. We had long conversations about fraud. Undoes all contracts. So I decided to file a federal lawsuit. I didn't really win. The judge threw me out. But a month later, when I looked at my credit report, all three of the banks alleged credit card debt was gone. So from there a friend gave me a charity. So from the charity, I revamped it into credit Repair. Back to your kind of question. And then some of the people also had some credit card debt. And I explained to them it wasn't a debt. And all I had to do is write a letter to the bank and it'd be off your credit report in 45 days. And I helped about a thousand people and over that 10 year period for that.

[B]

Wow, that's amazing. I've heard about this credit repair. Now what if, what if you owe money to a dentist per se, that work was performed. I mean, I'm going to ask a personal question. I had a, I had to have a, an implant for a dentist. They quoted me a price of $1,900 to make the implant and the post of my tooth. Not the crown, the crown. I went back to the general dentist for. This happened in Las Vegas is a true story. And when I then checked out of the process with the endodontist who inserted the screw and put the post on, I said, okay, thanks. I paid it right there. A week later I get an invoice in the mail for another $500. I said, and I called the practice. I said, what's this? Oh, well, that's for, that's for the post. He had to do a little extra work. I said, I chose you. I paid the nineteen hundred dollars already. What is this for? I already agreed. I transacted. I paid on the spot. I pay my bills. And they said, oh no, this is the additional charge. I said, a charge I didn't agree to. And they kept sending me notices for the bill. I said, look, don't do this. I'm not paying this bill. This was not a true transaction. I paid in full on the spot when the, when the service was performed to send me a Subsequent bill. And what had happened was the office manager screwed up and so she then sent the extra bill. She had undercharged me under quoted me is the reality. But then they. Then they ended up sending me to collection and I refuse and it's had a problem. So how would you handle something like that? I'm giving you a challenge in real term. This is me. I refuse on principle to pay the bill.

[C]

That's fine. I'd have people coming in and they show the credit cards they had and some were derogatory items and we could. If they didn't report. That's the thing. If they don't report every month, you can challenge it and get it off. But if they're reporting every month, then that's where you got to deal with it. So in your particular case, you had a debt collector harassing you. And that's then how you put into the word fraud. Once you say fraud on a telephone, they hang up right away. But you can't let them do that. You have to then wait one second. What's your name? The company name. Let me have your fax number back then we did faxing and the account number. So then you would write a letter back to them saying it's totally fraudulent. You're not allowed to harass me because that's in the Fair Credit Reporting Act. And so you can quote that and they have to prove that the debt. There was no debt. You had an agreement that you came to a meeting of the minds. It was this much money. It's their problem. So they just thought that you could just. You would give up and you give them the 500 bucks and then the office manager be a hero by not having that debt. But yeah, that's. I say that after sent you after collection. So we would do that all the time. So you kind of get into that. Is that the credit card? There is a true credit card. So if you go to a, let's say a tire store and you buy tires, they put tires on your car, but you don't have the money. Why don't you apply for the in store credit card? And you apply, you get it. Great. So you drive off without paying and at the end of the month you get a statement. That's true. And they have an outstanding unpaid invoice, which is true. You have to pay that. So when people sat down they said, well I bought tires from Walmart. And you're telling me that's not. I don't have to pay that, but this one I have to pay. Yes, so how do you know the difference? Look on the back of your Amazon, Walmart, any department store, if it says issued by bank of America, Citibank, Wells Fargo, bank of India, bank of Chase, whatever, it's, it's a fake card, it's not a true because they did not put tires on your car, they didn't go into your mouth and put those post, post in the. The bank does not have an invoice. And that's the critical thing. You had an invoice, you paid it, you have a receipt, paid in full, you don't have this additional 500 charge. So you were right in that. And the same thing is with a credit card, when it's a credit card, you owe it. Okay? So all imagine to do is have an open mind, a mind like a parachute. It only works when it's open. And to add the word alleged, because we see the bank robbery on tv, we always say alleged. So now if you say alleged and the bank has to prove that they have an invoice, they didn't do a service, they didn't do a product, so they don't have an invoice.

[B]

That's interesting. That's the way they. So what is your book about?

[C]

The books about how the, the bank is, has defrauded the entire world. This is a worldwide bank fraud. Then I'm like an accountant who has come across this fraud and I bring it to the public's ATT attention. Because what you're going to say then is that, okay, okay, I agree, they don't have, they didn't do goods and services, they're not a merchant. So they couldn't ever have issued a credit card because the only way you can do a credit card is they have to have an outstanding unpaid invoice. Okay, now you tell me, oh, it was a loan. Okay, well in your show notes in the second link it has that quote from Modern Money Mechanics. What banks do is they accept your promissory note in exchange for writing numbers into your account. So when you want money and you have none and you go into a bank and you want money, you normally come out with a loan, right? So let me ask you a question there, Mitch. If you apply for a loan and they turn you down, do you still get the loan? Of course not. You don't get a loan you turn down. But if you're approved because an application means a request you have requested, if you were accepted, then you go into the bank and you fill out loan documents, you have to prove you have an income because how are you going to pay the loan back if they go into court? The judges say bank, you're loaning money to people who can't even have an income. That's predatory. So the bank has to have you prove you have an income. The other thing is you have to have collateral, like the house, like the car. If you go for a personal loan, you put your yacht up, well now they can legally take that away from you, sell it. And if they come up short, too bad for them, if they come up long, they have to pay you the difference. They don't get to keep the difference. You put only up with the loan amount is. So when what happens is the banks want to have you. And also you have to have a credit report to show history. Your credit score determines your interest rate. And the last thing you sign is a promissory note. That's the only way the bank can write numbers, any number they want into a free checking account. And so in that modern money mechanics, it makes a joke, it laughs at you going, of course banks don't take the potter's money and loan it to somebody else. There wouldn't be enough. So what they're doing is writing a numbers in your checking. As long as they have a promissory note. No promissory note, no loan.

[B]

No promissory note, no loan. Wow. But aren't they typically. Isn't a package complete with a promissory note?

[C]

Well, that's the application which you only requested. It's not a promissory note, it's a request. You have to fill out loan documents. Well, think about this. Let's say you buy a share of stock of bank of America. You are now a shareholder. It's your bank, it's your money. Would you want your bank to loan out your money to people who don't have an income? There's no income proof of an application of a credit card. Do you want your money to be loaned out to people who aren't even going to pay it back? Who don't even promise to pay it back? So if I give you something and I don't have you promise to pay it back, isn't that called a gift?

[B]

Oh, interesting distinction.

[C]

Aha. See, that's where my accounting comes into play. So you never had this experience? When I was in school to be a cpa, I read stuff, I have a memory. But my first job as an accountant, the cfo, CPA walked up to me and said to the accounts payable clerk, he said, if you pay from a statement I'm going to fire you.

[B]

You.

[C]

And then explained nicely that the company owners could have made a deal with this company. You don't know what we're doing behind the scenes. And look right here. See this invoice? It has a department head only pay from its approved one. So I can only pay from invoices. So the bank does not have an invoice. But on the other side, it didn't do a loan. Because what banks are all about is loans. So what banks do is they want you to be a customer. Right. So they have an advertising budget. Of course. So years ago, they purchased toasters and wall clocks and had them in the bank and invited you to come in, open up an account and we'll give you this toaster. It was a big deal back in the 50s, right?

[B]

Sure, sure.

[C]

So in the newspaper article, it had an ad and said, come into our bank and deposit $25 and in 90 days we'll match it. What did I do? I took my 25, put it into my savings account, waited 91 days, went into the bank and withdrew $50. 25 was mine and 25 was the bank. And close the account. Did I do something illegal?

[B]

No. Maybe borderline unethical, but it wasn't illegal.

[C]

That was my next question. Is that immoral? Did I do something immoral?

[B]

If they promised it, then the answer would be no. Technically, no. But it. But they're a business. No, I'm. I'm looking at it from the perspective in my. So I'm a bank manager. Of course I want to keep the money, but that's the risk of the promotion. Because if the service was there to make Tommy stay, then you would have not taken the $50 out. Right.

[C]

The same in your show notes. Link number four is a guy on YouTube that says, Just do that. What Tommy's saying, I made $300 by doing this. So the same thing is with your 500 credit card the bank gave you. That's the important thing is they gave you a 500 credit card. No, it's not. It was a gift card. Okay. To get you to be a customer. So what did you do? These cards came in the mail. You didn't even apply. You're pre approved. Go ahead. Here's your 500 credit card from Capital One. You went, Great. So what'd you do with it? You went to Home Depot and you bought, let's say, a toilet.

[B]

Sure, sure.

[C]

So you're walking out with that toilet and a person at the door says, did you pay for that there, Mitch. And you go, yes, I did. I have a receipt. Now you didn't pay 500 to Home Depot, but that night or the next day, Home Depot was paid. Mitch, who paid Home Depot?

[B]

The credit card company.

[C]

The bank? Yeah, the bank.

[B]

And where the bank of the credit card.

[C]

Yeah, the bank got the money from the advertising budget to get you as a customer, which we'll get into a second. What's this all about? So are you, Mitch, going to get an invoice like the dentist from Home Depot saying you owe us $500? Are you going to get a. No, you're going to get a statement from the bank now? Yes, you get statements from the bank for your regular checking account every month. Is that a bill? No, no, it's not a bill, it's a statement. And that's what it is meant, means you did something. State means you said you said something. So you never pay from a statement. It's not true. You only pay from an invoice. But that bank issued alleged credit card debt statement. That credit card statement is. Appears to be a bill. So you did the right thing, did the moral thing, you did the legal thing. You wrote a checkout. Let me ask you a question before we get into that. Is it possible that you, your audience and me too, don't let me out, I'm not this smart. And is it possible that we've been lied to, indoctrinated and brainwashed?

[B]

Is it 1000% right?

[C]

So a lie is a lie. We know what that is. But told generationally, your parents told you a credit card, you got to pay, they paid them a don't ever be late, these late fees. And there's an annual fee. Don't do those. Do the ones with half free. No, no annual fee. And that's where it. If you don't question it, you're brainwashed. All I'm asking an audience to do is to ask. Add one word is alleged. So when we say bank issued alleged credit card now it puts the burden on the bank to prove this. And there is no loan. So what happens is that you wrote a check out from, let's say bank of Malaysia and you sent it off to bank of America because that's the credit card company, right? So isn't that the first time bank of America has ever seen your money? Think about it. Mailing comes in, you didn't apply for it, you went to Home Depot. Use your gift card, I would call it a gift card. And then you get a statement at the end of the Month and you write a check out to bank of America. Isn't that the first time you've ever sent money to the bank?

[B]

Pretty much, yeah.

[C]

So what banks do, they're involved in loans. So if you have no money, you go into a bank and you hope to come out with money through a, a loan. When you take money into a bank and leave it there, that's technically a loan. And that's your show notes in your very first link. So banks do not take deposits. This is a loan. You loaned the bank $500. Now your gift card turns into a debit card. Every purchase you've made since then has been with your own money. You're right, it's a month statement. You see how much you charge. They make you think you got to fill it back up. So what do you do? You're a good person. You keep filling it up. Well, what happens at the two, ten, five years from now? You don't have the money. Do you have to put money into your checking account? No. By checking it, I can decide what a balance it is. Not with this one. And that's the fraud. Because what the banks do, here's the bottom line, is they make $23.04 on average per month. Look it up yourself. I typed it up and it said, how much do you use a typical person paying in credit card fees? $23 and 4 cents. So if bank of America has a million card holders, they're bringing in $23 million a month, and that's about a fourth of their profits on a free checking account. What you got was a free checking account. You have been making payments. Not payments, because that means that you have an invoice. See, if you use the language of the criminal, you're going to lose. So I have the right words to use. It's a bank issued alleged credit card, credit card debt invoice. It's not max out your card, it's withdrawing your money. It's no different than when I went into that savings account bank and drew out $50. 25 was mine, 25 was the bank's. It's not immoral. So you need to withdraw your money from your free checking account and then write a letter to the bank, ask them to close your free checking account.

[B]

I love it. But the 20. Yeah, the $23 fee, that's the average amount they get per month.

[C]

I talked to one podcaster and he told me he pays $800 as an annual fee to a free checking account. So you think it all up. 79% interest rate. That's the highest I've ever seen. So all these interest rates, the late fees, the overdraft fees, the cash advance fee. Can you imagine going to your bank and say, oh, you want your cash out of the bank? You just deposit, oh, we're going to charge you 10%.

[B]

That's crazy.

[C]

It's. And I'm the accountant, I'm not that bright. But someone else has got to think of this. So that's what I do is I help you. And I only help people who have a third party verification, clarification. What I mean by that is that don't believe me. Don't believe anything I have to say. I'm a doubting Thomas. I want you to be a doubting Thomas. Look in the show notes and there's links there. You check them out yourself and take this podcast to your cpa. They never would have heard it or just one person with a class of accounting, that's all they have to do is have that one class of accounting and they know what I'm talking about is 100% accurate. Now what do you do? I will only help people if they have a third party verify that I'm right. So what I do is I help them write a letter to the bank. That's pretty weak. What we could do is have your CPA write a letter to the bank saying there is no invoice. If you have an invoice, send it to me, I'll pay it. But since you don't have an invoice and you broke federal banking regulations by claiming you have this loan, like never promised to pay, there's no loan ever was issued. That's good. Then you could have an attorney write a letter. Oh, no, they're talking about three or four or $500. No, no. There's a thing called prepaid legal. Now they made it called legal shield. For $29, you have an attorney for a month. Don't use it any more than that. Quit after the first month. And you have an attorney write a letter to the bank saying fraud undoes all contracts. I do not have a contractual agreement with Eubank because you defrauded me. You lied to me. You told me that this was a credit card. You can't issue credit cards because you're not a merchant. Then you tell me it's a loan. No, you can't because I never promised to pay you back. There is no obligation, there is no process. And so you did not issue a loan. You faked me. You've lied to me to make me pay $23 and 4 cents on average for a free checking account.

[B]

So I've got it. I got a question. I had an account with US bank when I, when I was in las Vegas, while I was in Japan at an event not too long ago, they canceled my debit card with them. And I called and asked, what's going on? I'm on vacation. I gave you the travel notice in advance. And they said, we don't disclose our reasons. We've closed your account with no reason at all. And I needed to access my debit card. But then they said, we're going to mail your check to close your account. I said, but I don't live in the US Anymore, I live in Thailand. And they said we can only mail it to a u. S. Address. So it forced me to go back to America to pick up my check for the balancer that was in my. This is a week ago this happened? Well, two weeks ago I picked it up. I came back a week ago. So I went into the bank with my check because they mailed it to a US address of a friend because they wouldn't mail it to me in thailand. So I went to the friend's house, picked up the check, went into the bank branch that had canceled me and I said I'd like to cash this because there will be a 45 day hold on my account here in America, in Thailand. And they said, well, there's a seven dollar service fee, convenience fee, convenience fee. I said, because you don't own it, you don't have an account with us anymore. I said, you canceled my account. Don't you understand? You've held my money for over two months and you want me to pay $7? And they, and the through the glass, the guy said, would you like to cancel the transaction? I said no, I want my money. And they said, well it's a seven dollar convenience fee. This is u S bank. So I tell everybody about this, how upset I am about how they handled me. It took me over two months to get my money and I never got an answer as to why they canceled my account. They never disclosed it. The worst customer service on planet earth. U S bank. Don't bank with them. I'm using that, that's in the show notes as we say. And it was an awful experience. I don't know if you've had any, you know, interactions with them, but they, then when I looked into them, they had the worst ratings in America.

[C]

Yeah, it's what you had was a checking account or a savings account, and you had a debit card. Let's turn it into a usa a credit card. And they lower your credit limit. No, they stole the Money. You have $500 in your free checking account. They claim that they lowered your credit rating or because your credit line was lowered, they cut you in half. They stole the money. If they close your account for no reason and you're asking what's the reason, we don't have to tell you. They have confiscated your money. So what I do when I help people resolve the situation they're in, it's not getting out of debt. Because when you have a debt, you got to pay it. It doesn't work for car loans, it doesn't work for auto loan, doesn't work for, for a personal loan that you put collateral up and you actually did the loan process. This is just strictly the crime they're committing. So what you can do is actually what I add in too, with that letter is a lawsuit you fill out. You don't file it, but you fill it out and they reach a brick. I'm talking all the discovery, the whole thing. We lay out exactly what they're doing, the crime. They don't want this published. They don't want this in the court record because then anybody could read that court record and do the same. They don't. We got to keep this under wraps. And the last thing I add in is an injunction. We are now familiar with the word injunction. Any one thing that Trump does, someone runs into court, files an injunction, so everything stops, right? Same thing. We send this to the bank saying, if you sue us, we're going to file an injunction. If we sue you, here's the injunction. So what you're asking the judge to do is to look at the outstanding unpaid invoice, a certified copy of the promissory note, and an affidavit of debt someone in the bank has to swear out on a penalty of perjury, that means time in jail or a fine, that you actually have a debt and they have the evidentiary proof of it. So if they bank does not bring that to court in 30 days, they're held in contempt and everything stops. So we have the powerful way to stop this whole thing. So you have to take your money out of your account before you send the letter because they're going to close your free checking account and not give the money like they did. Give you hassle. It's a convenience for them to make seven more dollars. It wasn't convenient for you but that's what you've got to do is you got to take. So most of my people, I find the money, they didn't even know. So the best client that I could ever have is a company that's about to go under. But they're a viable company. It's just because they have all this debt, they think. So I talked to the cpa. Usually their CFO is a CPA and they'll have a meeting together with all the board of director and all the employees. And the attorney is going to say a fraud has been committed on us. Let me have the CPA expert witness tell you folks, we don't have an invoice. They don't have an invoice. So we don't have a debt. Second of all, we never have a loan. So you don't have a loan. You got to stop thinking these words. What we've done is duped. And then the attorney says, fraud undoes all contracts. So we do not have a contractual agreement with this bank. We are writing a letter to the bank, ask them to close the account and remove it off our credit port. That's all we want them to do is one thing, remove it off our credit report. My score is going to go up. The company score is going to go up because they got $200,000 of this alleged corporate income credit card debt. It's not. It's not a debt. There's not 1.3 trillion of debt. It's not. It's a lie. What it is. The banks want you to deposit 1.3 trillion back into your free checking account. You don't have to. There is no debt. It's not going to affect the banks at all. Except 1/4, their profit is be gone. So if we get you to do this, that's where the company will then add on any employees that want to do it. If they don't want to do it, fine. You can keep your debt. If you think you got debt, you got it. But we have this. In 45 days, we expect this to be off our credit report. If the bank does not do that, we then notify the credit point agency that this has been a fraud. We notified the bank and you must remove that error on the credit report so you'll have got it. This wasn't a credit card.

[B]

I don't think I was clear. It was a debit card in a free checking account as you described. I got my money. I don't even know what my recourse is at this point. I got my money out of them two weeks ago. I'm just pissed off legitimately by what they did and they were holding my.

[C]

Money and that's the way the banks are operating. And the same thing if you try to with YouTube. They never tell you what's the error, what, what is the, the, what is the guidelines. They won't tell you. It's just like you got to make this up and you got. Yeah, it's. The whole world has turned like this. Like you're describing the usa, the event where you don't even know what's. What I do wrong.

[B]

I didn't do anything wrong.

[C]

I didn't do anything wrong.

[B]

No. And it was some algorithm they claimed and I was traveling overseas and using the card in Japan while I was there working. And they just for no reason disclosed. I had no issues. I had never done anything or I had no chargeback, nothing. It was some algorithm and I never got a reason. And they helped. They stole my money for two months until I finally got it and I had to fly to America to collect my money. That was expensive just to collect some convenience for you. Yeah, totally. Hey, Tommy, you've been a great guest. Thank you for your time. How do people get in touch with you?

[C]

They can reach me on Facebook, Tommy A. Kilpatrick. And it'll be in the show notes and I have an email there. And so I offer a free 15 minute conversation consultation. And if you do that, I will send you my $69 book for free. So I want you to read the book. You can figure it out. You can get out, not get out of debt. You can close your free checking account.

[B]

All right, so Tommy A. Kilpatrick on Facebook. On Facebook. Okay. Well that's great. Well, thank you for your time today. I certainly learned a lot and I'm sure our listeners did too. You have a good time.

[C]

Thank you so much.

[A]

Thanks for tuning in to the amazing Authorities podcast. If today's episode inspired you, take a moment to subscribe rate and leave a review. It helps more experts like you rise to the top for behind the scenes access and free resources to boost your authority. Head to MitchCarson.com until next time, stay amazing.