Dear Reader,

You're probably wondering why we would compare what we do - debt elimination - with Weight Watchers?

There are two obvious reasons:

1. Weight Watchers teaches you how to shed unwelcome pounds. We teach you how to shed unwelcome credit card debt.

2. Weight Watchers gives you a proven program and all the tools you need to be successful at losing weight. We give you a proven program and all the tools you need to be successful at discharging all your unwanted credit card debt.

There's also a third, not so obvious reason.

Weight Watchers has been in existence for over 40 years. During that time it has been very successful. It has helped millions of people loose weight.

But, it hasn't worked for everyone.

You would think, same program - same results.

Life doesn't work that way. There's always someone who doesn't follow the rules. Someone who doesn't complete the tasks. Someone who thinks they know more and decides to do things their way. Those that cheat, just a little here, and little there, then wonder why things don't work out. These are usually the people who blame the program for their failure - not their actions.

Bottom line - the success of Weight Watchers is dependent on the person using it. The success of our program is dependent on the person using it.

Work the program and the program will work for you.

We do have two advantages over Weight Watchers: Our program is cheaper and you can even get it for free...

Here's what we offer...

We have taken all we've learned over the years and created an educational website designed and proven to help people understand the banking system and how they can eliminate their credit card debt and/or stop foreclosure... legally, ethically, and morally.

The first thing you need to learn is the TRUTH about the banking system. How it actually works.

Not how you think it works. Not how the media implies it works. Not how the bankers want you to believe it works...

But, how it actually works.

A Question: If you had a $1,000 in your checking account, could you lend your friends $10,000? If so, how?

Another Question: Once you've lent your $1,000, can you lend it again, BEFORE you've been repaid? If so, how?

If you can't do these things, how can the banks? Are the banks playing by the law? Are they cheating?

The banks are playing you for a fool - we'll teach you how to stop it... LEGALLY, ETHICALLY, AND MORALLY!

Start from a position of strength...

Most cops will tell you, truthfully or not, that they don't really want to use their guns, but they will.

If you watch any of the cop shows you'll notice the cop walking up to the car he's stopped with his hand on his gun.

The cop is telling the driver: I have a gun and can kill you. Don't try me or you'll die. Pure intimidation. And the cop doesn't have to say a word.

The cop wants to deal with the driver from a position of strength. He wants the driver to fear him.

A driver that's afraid for his life is usually a very cooperative person. The cops friend. A docile little wimp.

That's how the banks want to deal with you. From a position of strength. With you fearing them.

That's how the collection attorneys want to deal with you. From a position of strength. With you fearing them.

Take away the their position of strength and your fear - suddenly you're on equal ground.

Imagine that scene in the movie where the good guy is confronted by the bad guy on Main Street. The good guy has no gun. It appears he's going to be killed as the bad guy draws his gun and points it at the good guy.

Suddenly, out of nowhere, the bad guy is surrounded by the town folks, all holding guns pointed at the bad guy. Suddenly the tables have turned.

This is what we do for you. We're the town folks.

The secret is knowledge. Learn what they are doing. Learn how to react. Learn the law and the rules. Now, instead of fear you have knowledge. Instead of weakness, you have strength.

Surprisingly, it isn't that hard. All the research has been done for you, the steps have been laid out, its quiet simple.

Start from where you're at...

Are you still current with your credit card debts? Are you just getting behind? Are you already delinquent and being threatened with collection agencies? Have your accounts already been turned over or sold to collection agencies? Are you being threatened with a law suit? Are you already being sued? Have you already been sued and lost?

Are you currently being sued for foreclosure? Have you already been sued and lost?

Makes no difference where you're at in the collection process - we have the information that will help you.

The American Way...

Here's what it'll do for you...

If you do it the fool's way:

Or, in the case of foreclosures, you lose your home.

If you do it the American way:

Or, in the case of mortgages, you get the lien removed and you own the house outright.

We don't believe in hard. Nobody sticks with hard very long. We believe that those who've achieved incredibly difficult feats, such as Lance Armstrong, have found ways to make the extremely difficult a lot easier. And that separates them from—and allows them to outperform—those who never find ways to make the difficult easier.

We've found ways to make debt elimination easier - for you.

You choose what to eliminate...

Unlike bankruptcy you don't have to put your cars or home at risk. You can keep them and just get rid of the high interest rate credit cards.

You don't even have to put all of your credit cards at risk. YOU pick and choose what credit cards to eliminate. Keep some and eliminate some... YOU get to decide what is best for YOU.

In the case of mortgages, you don't have to file for bankruptcy. All you have to do is make the holder of the mortgage prove their case. Something they find impossible to do.

The American Way...

How it works...

Its just a matter of law.

The most important fact — not an opinion, but a fact — 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.

Here's the catch. The bankers have asked their Congress to change the law regarding credit card agreements. In the not to distant future, mutuality may not apply to credit card agreements. You might want to take advantage of this law while it still exists.

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 are unenforceable.

In the case of mortgage foreclosure you have one additional bullet. Make them prove they actually own the note. Demand they bring forth the original note. Something they are finding almost impossible to do with all the buying and selling of "Mortgage Backed Securities."

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

The American Way...

How can banks get away with this fraud?

Because WE let them!!!

What can I expect?

The one questions everyone thinks and many ask: Will I be sued?

The answer is - 98% of the time - NO!

But, what if I'm part of the 2%?

Just a 2% chance can still be scary.

The thought of being sued is what paralyzes most people. The thought of having to go to court and stand up in front of a judge is debilitating to most people.

The banks know this. The collection agencies know this. Collection attorneys know this.

YOUR fear of being sued is their biggest stick. That's why they threaten to sue. It works.

99.99% of the people cave.

The bank wins.

You lose.

The Bank's biggest fear is that you WON'T cave.

That you'll stand up and fight - show some courage.

That you'll know what to do, when to do it, and how to do it.

Here's two examples of why the banks fear your courage...

http://howtogetridof.com/reports/ge-money-bank-offer-settlement-09-29-08-and-order.pdf

http://howtogetridof.com/reports/hsbc-agreed-order-dismissing-09-18-07.pdf

When you know the what, when and how along with the courage to use it - YOU WIN!

What about the paperwork?

Its all done for you. All you have to do is personalize it. Put your name and address where it says. Put the bank's/collection agency's name and address where it says. Put the amount disputed where it says.

If you can do these simple tasks, you can complete the paperwork.

That includes all the bank documents, collection agency documents, and court documents.

Nothing is left to chance. All you have to do is read and follow the instructions, then personalize the documents.

Simple and Easy.

Here's what you need to do next...

Choose:

You can continue paying money you don't owe and go broke.

You can get a debt counseling/negotiation company to help you negotiate a discount on the money you don't owe, and go broke slower.

You can use the information above. Do your own research and create your own documents and save a lot of money but spend a lot of time, and maybe do it all wrong, or...

Become a Member, get access to our proven - time tested information, and be debt free tomorrow... the American Way.

We'll trade you a One Year Membership with Support for only 197 FRNs ($197), or a

Lifetime Membership with Support for only 497 FRNs ($497).

Get It Free: Credit Cards got you into this mess - let Credit Cards get you out. Put your membership fees on a credit card you plan to get rid of and let a banker pay for your financial freedom. Poetic justice.

To Your Success,

P.S. - A great patriot once said:

"There are 3 kinds of people in the world:

• Those that MAKE THINGS HAPPEN...
• Those that WATCH Things Happen... and
• Those that SAY "What Happened?"

Warranty: We warrant our information to be true and accurate to the best of our knowledge and belief. If you find any information on our website that is not true and accurate we will correct it within 10 days of written notice and proof.

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.