Dear Reader,

Here's what we've got...

We have an educational website designed and proven to help people eliminate credit card debt... legally, ethically, and morally.

If your account is still with the bank, either current or delinquent, you can start there. All you have to do is send a few notices. Samples of these notices are provided on our website. Should you have any questions about the notices or why you are doing what you are doing, just visit our support forum - we're there to help you.

If your account has been turned over or sold to a collection agency, no problem. You just send them some simple notices. Samples are provided on our website. Have any questions, just visit our support forum.

If you're currently being sued on an account, again, no problem. You'll learn how to deal with a law suit. What steps to take and when. You'll have samples of all the documents you will need to defend yourself and win. Of course, you'll have questions. That's why we have a support forum.

If you've already been sued on an account and lost, all is not lost. Learn how to get the judgment overturned and set aside. Get your money back and maybe more. Samples of all the documents you'll need are on our website. And then, just in case, we have a support forum for you.

The truth is, there are only two things you need to experience success in eliminating credit card debt.

The first is knowledge of how to achieve it, and the second is the dedication to acquire and apply that knowledge.

And that is the opportunity represented by our website. If you supply the dedication, we will give you the knowledge.

Why not the best?

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

If you do it the wimp's way:

If you do it the American way:

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.

Why not the best?

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.

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.

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

Why not the best?

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

Become a Member and eliminate all your credit card debt... the American way.

One year membership with support is only $197.

Lifetime membership with support is only $497.

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.

Respectfully,