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100% OF YOUR

by The Benefactor

100% OF YOUR

Copyright © 2017 by Brilliance in Commerce – Rev 2018-05-21

Disclaimer: This eBook does not provide legal or tax advice, and nothing in this document should be taken as such.
In addition, the author and associates do not represent any foreign government nor are agents of any foreign
government. Before undertaking any action, be sure to discuss your options with a qualified advisor.
How to Outright Cancel 100%
of Your Unsecured Debt

You can legally stop making payments on your credit card

debt if it was issued by a United States financial institution –
and have the debt cancelled – removed – eliminated – 100%.

Did you know that you can legally CANCEL

Visa, MasterCard, student loans, and other
unsecured debt in the United States? Did you
know there is a legal loophole in the United
States that allows you to completely erase
your unsecured debt without bankruptcy or
paying it off? Why settle for debt
consolidation, negotiation, reduction, modification, or any other kind
of compromise, when you can eliminate 100% of it without

These are America’s Number One debt elimination secrets.

They have enjoyed a virtually 100% success rate since

2002. Using these secrets actually helps the economy.
Thousands have stopped paying their credit card and
even student loan debt. It's likely your unsecured
debts qualify for complete elimination. Users of these
secrets stop making payments on the debt immediately, redirecting much-
needed funds to more beneficial and life-supporting purposes. Using these
secrets is improving the world by withdrawing support from the old
disappearing international banking cartel and fiat money crime syndicates.

True Stories

I personally successfully cancelled over $50,000 of credit card debt involving seven cards --
Visas, MasterCards, and Discover, back in 2002. I never had to go to court and I have not
had a problem with them since. The system has continued to work for my friends and family to
this day. So it has a proven track record now. It is as simple as 1-2-3. It requires no special
skills except how to use a computer keyboard and Microsoft Word software. If you don’t know
that, a friend can help you. Other than that, it requires no big study, no long hours, and only a
very small learning curve – most of which you can get from what you are reading right now.
That’s why thousands of people across America have done it and are doing it.

A senior citizen in Washington state had about

$43,000 in credit card debts. She had maxed her
cards out after her husband died, and she was
being hounded by the so-called “creditors”. Then
from friends and family she learned that they are
not creditors at all. She used this polite and
professional dispute letter and affidavit, and she
has not heard from the money lenders or their
collection agents since. In one case, they did persist with two more letters, and the system
provided her with simple response letters to send, which only took a few minutes to prepare
and mail. This was in early 2010, and since then she has had no further contact from any of
them. She knows now, for a fact, that this is because the lenders have been caught in their
scam . . . and they would rather let it quietly go away than to litigate it and publicize it.

Before all this happened, her lifestyle was declining. She was less and less able to afford the
right medicines, medical help, good clothing, car repairs, maintenance on her home, and
especially vacations and spiritual retreats. The debts were mounting up too much. When she
began the Liberty program, she stopped making all those payments immediately. Then
overnight she was able to begin affording better health, a better car, a better house, and
greater peace of mind. We have seen this story repeated in a thousand different ways
thousands of times. It is a really wonderful reversal of destinies for people.

A hard working gentleman in Camarillo, California wrote in August 2015, “I started this letter

campaign over a year ago and I think it finally paid off. I'm attaching a scan of a letter a
received about my student loan. Can you take a look. It appears as though the debt has been
discharged.” Indeed, it was what we call a “victory letter”. Not every user of this system will
have to wait that long. Actually, everyone who uses this system can stop making payments
immediately on the debt, and it usually takes an average of three to eight months to see the
debt go away. But student loans are often larger and can take longer. In this gentleman’s
case, it took fourteen months.

He wrote: "I do give my permission for the sanitized version of the

EDD letter to be posted. Please, anything I can do for others. I
am very grateful for your system. This has been quite a ride. The
EDD ran me through many different entities and I stuck it out and
kept lettering them all. I never gave in. I stuck to my resolve.
That's the secret as far as I'm concerned. No matter what they
throw at you. Never give up. Thank you. Life in Camarillo is
That’s one of the most difficult cases. For most people who use this system, it is much
easier, especially for those who are just cancelling credit card debts. It just involves sending
several letters over a period of a few months. Simple instructions guide you the whole way,
and experts are available by email and telephone to answer questions.

The Difference between Good Debt and Bad Debt

Are you willingly, consciously,

and constructively using the
credit system to access capital
for profitable investment or
business expansion? In other
words, are you in debt
voluntarily, making more in profit or interest with the
borrowed capital than the interest you’re paying on it?
If so, then this is what we call “good debt”. This is debt

which is good for society because it is being used to
increase the sum total of goods and services available in
the world. “If you want to sail tall ships, you have to be
willing to go into deep water.” It is good to repay this debt,
because it builds good credit, and makes more available
for further expansion.
On the other hand, is
your debt involuntary?
Is it debt which
happened against your
will, because of
expenses beyond your means? And is it debt which is
producing more of a liability and a loss against assets than
benefits? Is it an enslaving influence, difficult to escape,
causing more suffering than blessings? If so, then this is
what is called “bad debt”. This is debt which should be
avoided or eliminated if
possible. In many cases, this kind of debt has been
deliberately used as a weapon by dark forces against
individuals, companies, governments, or whole nations.
Reference books like The
Creature from Jekyll Island by
G. Edward Griffin, and
Confessions of an Economic Hit
Man by John Perkins. Texts
like these chronicle the use of debt as an act of war and parasitic
exploitation against whole countries.

The Difference between Real Debt and Fake Debt

If the lender is your mother or father, another family member, or a friend, it is a Real debt - -
because he or she really loaned his or her own money, and that money would be lost if you
don’t pay it back. Likewise, if a retail store sells you merchandise on credit, and if that store

issues its own in-house credit without outsourcing it to a bank or finance company, then that
too is Real debt - - once again because the store has really given something of value for the
credit, and would experience a loss equal to the value of the
merchandise if you don’t pay it. These are Real debts.

A Fake debt, by contrast, is one where a bank or financial

institution gave you a
signature loan, line of credit,
credit card, or student loan. The reason this is fake - -
phony - - is that nothing ever came out of the lender’s
accounts to fund the loan. It was effectively created out of
thin air. This is called the Mandrake Mechanism. The old
paradigm worldwide monetary system was deliberately set
up this way in order to conquer the world by getting
everyone, including governments, in debt to the bankers. Read books like “Secrets of the
Federal Reserve” by Eustace Mullin and “The Creature from Jekyll Island” by G. Edward Griffin
to see full documentation of this.

You Will Actually Help the Economy by Eliminating Your Fake Debt

Payments to most credit card issuers, student

loan agencies, and other institutional lenders
are giving money to an international crime
syndicate that is extracting value from society
via the magic trick of making false debt look
real. This has supported a parasitic system. By
stopping the payments on these phony debts,
you are withdrawing your support from these parasites. You are voting with your dollars for a
better world by redirecting valuable funds to more life supporting causes. Thus it is not only
legal and ethical to stop making these payments, but it is also beneficial to the entire world

How the money system in the United States works

The Fractional Reserve Banking System has been in existence in other

countries for centuries but our founders never wanted Fractional Reserve

Banking to be used in our country. They knew the evils of a central banking system from where
they had come from and wanted to avoid it at all cost. The United States Congress passed a
law in 1913 that allowed the formation of the Federal Reserve Bank which was a central bank
scheme created by a group of wealthy bankers as a way to make themselves even richer.

But in order to explain what the system is all about we need to talk for a minute about what a
bank actually does. A bank accepts deposits from its customers but it doesn’t just hold that
money. If all the bank did was hold the money that was deposited they would never make any
money themselves.

So instead, the bank takes the money that is deposited and it loans most of it back out. There
are laws to keep them from loaning all of it out because sometimes customers come back and
they want to withdraw some of the money that they deposited. But the bank does loan most of
the money out to other people. The important thing to remember here is that banks don’t hold
all the deposits they get. They loan most of the money out.

The amount of deposits that the bank has to hold, by law, is called a “Required Reserve”. In
the United States that Required Reserve is 10% which means that the other 90% is money
they are free to loan out and it is something called Excess Reserves.

This whole thing will make a lot more sense if I give you an example, so let’s say that someone
goes to a bank and deposits $100 from their pocket into the bank. This won’t change the
money supply in any way because money from your pocket is a part of the money supply
already. So up to his point there has been no change in the money supply.

But here is where the “magic” happens. By law, the

bank has to hold onto a certain percentage of the
money that it gets in deposits. In the United States, as
we said earlier, that amount is 10%. So that means
that out of the $100 that was deposited into the bank
they have to hold $10. But it also means that they are
free to loan the other 90% or $90 out to somebody else
and they probably will because that’s how they make

So notice - - the person who deposited $100 still has $100 in the bank and the person who
borrowed $90 from the bank also has $90 but there was only $100 to begin with. The $90 that

was loaned out is money that was created out of thin air. It did not exist until the loan occurred.
And it was actually our signature on the loan documents or credit card application that allowed
the bank to create money from nothing.

So basically, one of the main ways banks make money is to create new money by loaning
money out that really doesn’t exist. They do that by creating money electronically out of thin air.
It is nothing but digital money that will show up on your ATM but it isn’t really in existence at all.

The process keeps repeating itself over

and over. The person who borrowed the
$90 is going to spend it and eventually the
$90 will make its way back into another
bank somewhere. Then the bank is going
to take the $90 and to satisfy the 10%
Required Reserve law they will hold $9
and find someone else to loan the
remaining $81 to. The $81 is brand new
money that didn’t exist until it was loaned
out. And, again, it really only exists electronically. Then the $81 is going to be spent by the
person who borrowed it and it will eventually make its way to another bank which will then have
to hold 10% or $8.10 of it before they are able to loan out the remaining $72.90.

That process just keeps going on and on again and again and again until the initial deposit of
$100 turns into $900 of newly created money. And you can see that as the process repeats
itself the amount the bank has to loan gets smaller and smaller each time. So to fix that
problem, the bank simply
puts your smaller Excess
Reserve amount with other
Excess Reserve amounts
until they have large enough
amount of electronic money
to loan to someone else.

That is the whole concept of

Fractional Reserve Banking.

Banks hold a portion of the money deposited and then loan the rest out. And whenever they
loan it out they are creating new money. That is the principle behind why when it was put to the
test, the courts agreed that the banks didn’t really loan any money like they pretended to but
they actually just started charging you interest on money that they really didn’t have to begin
with. That is why our debt elimination system works.

So to sum it all up, the banks create money out of thin air by holding 10% of every deposit and
loaning the remaining 90% out. This can be done again and again until over 9 times the
original deposit is created from nothing. Our laws actually say that part is legal but where the
banks cross the line into fraud is when they try to make you pay back 100% of what they never
really loaned you and then add exorbitant interest to it and pretend that they are at risk of
losing money they originally had if you are somehow unable to pay them back.

After this process goes on in a country in bank after bank, year after year, eventually the scam
catches up to them and the national economy turns to disaster. That’s where we are right now
in the United States and it is even worse in other nations around the world.

You can probably understand more clearly now why our wise founders fought so hard against
bankers that wanted to create a central banking system. They knew it would eventually lead to
ruin and they had fought too hard for their independence to allow bankers to take advantage of
a system that they knew had never worked anywhere else and they knew wouldn’t work here.

The only way we are ever going to fix a system that is doomed for disaster is to show the
banks that they have been caught in their scheme. Once enough of us do that they will have to
move back to a system that the founders knew was better from the beginning. And the good
news is that in the process of helping created positive change in the world you also get your
credit card debt erased and you can start living the life of freedom that you deserve.

So after you read the rest of this report you will realize that the most common methods of debt
relief…the ones used by the majority of America’s debt-laden citizens don’t really do much

except “rob Peter to pay Paul” or shuffle the chairs on the deck of the Titanic, to use a well-
known metaphor.

The Liberty Debt Elimination Program is not only inexpensive; it has a nearly 100% success
rate in eliminating the credit card debt of thousands of Americans since it first began in 2002.

Below you’ll find a lot of the “shuffle the deck chairs” type options that most uninformed people
use. And as was stated in the introduction, some are good, some are bad, many are hard and
few are easy but all tend to be preceded by large amounts of stress. The Liberty Debt
Elimination System explained above actually relieves that stress way better than anything
described below, but for the sake of a fairly complete listing of what all your actual options are,
here are what some of your friends and neighbors do to relieve their debt-related stress.

1. The “Ignore it and hope it goes away” thought process

Way more people do this than you would ever expect.
Looking at it on paper, it seems like an utterly
ridiculous and pretty self-defeating way of dealing with
debt but there are lots of people who procrastinate like
crazy when it comes to figuring out a way to get out
and stay out of debt. They keep getting further and
further in debt and keep hoping for some miracle to
happen, like winning the lottery maybe, or unexpected
cash just showing up in their mailbox someday. But it never happens. And day after day, week
after week, month after month and even year after year they ignore their situation while it gets
worse and worse. If that sounds like you, congratulations for finally doing something about it!
You’re reading this report and that’s a first step. The first step is always the hardest so now
you’re on your way. Keep on going! Keep on reading! But DON’T keep on ignoring your debt! It
will NOT just go away!

2. Bankruptcy
If you DO keep ignoring your debt, it could eventually lead to a required bankruptcy filing and
believe me, that is not something you want to do because it has such ugly long-term

implications. Your credit report will show the date of the
filing and the date of discharge for 10 full years and life
is WAY too short to fight with a bad credit report for 10
years of it. Having that negative situation showing on
your credit report can cost you a lot. It will often cause
home mortgage companies to deny you the ability to
buy a home or what may actually be worse is if they
allow you to buy the home but raise the mortgage interest rate because of your bad credit
rating. Just a few points rise in interest rate can cost you thousands of dollars over the life of
the loan. And if you try to get a better job making more money, a bankruptcy on your record
is often something that will keep an employer from even giving you a chance to better yourself.

There are two main kinds of personal bankruptcy filings- Chapter 7 and Chapter 13. Each must
be filed in federal bankruptcy court. The filing fees are usually several hundred dollars and
attorney fees, which are not required but are highly recommended by most knowledgeable
people, are extra and vary widely.

Chapter 7, which is often known as straight bankruptcy, requires you to first sell all assets that
are not exempt to pay off debt. Exempt property can include automobiles and some basic
household furnishings. Sometimes work-related tools are included too. Sometimes a trustee, a
court- appointed official, will either sell or turned over items of value to the filer’s creditors so
they can sell them to recoup some of their loss.

Chapter 13 often allows people that have a steady income

to keep property, like a mortgaged house or a car that was
purchased with a loan, that they might otherwise be lost
through the Chapter 7 bankruptcy process. In Chapter 13,
the court basically sets and approves a repayment program
that will allow you an extended time to pay off your debts
over the next three to five years using future income rather than requiring the surrender of
certain pieces of property or personal items. Once you complete making all the payments
under the approved repayment plan, your debts are “discharged”. But remember, even the
date of discharge will remain on your credit report for 10 full years.

While both types of bankruptcy can get rid of unsecured debts and stop foreclosures,

repossessions, garnishments and utility shut-offs, as well as debt collection activities and will
even give exemptions allowing you to keep certain assets, the exemption amounts vary state to
state. Bankruptcy does not usually erase payments for child support or alimony. Fines, taxes,
and certain student loan obligations also remain intact. And, unless you have an acceptable
plan to catch up on your debt under Chapter 13, bankruptcy, most of the time, will not allow
you to keep property if your creditors have an unpaid mortgage or security lien on it.

Filing for bankruptcy was easier than it should have been for a while around the turn of the
century but is becoming harder every day (which is actually a good thing). During that time,
there was not a requirement to get any credit counseling like
there is now. At present, everyone who files for bankruptcy
must have, within the previous 6 months, participated in
a credit counseling program through a government-approved
organization. If the filing is Chapter 7, you will also be required
to confirm that your income does not exceed a certain
amount. This is called a “means test” and the amount varies from state to state.

3. Minimum Payments strategy

If you didn’t know it already, you are about to. Making minimum payments on your credit card
balance means that you will take decades to pay it off and the items or services that you
purchased with the credit card will become so extremely expensive that you would have
NEVER bought them if you’d seen the actual real price (purchase price plus credit card interest
and fees cost). A simple flat-screen television purchased with a credit card that would cost
$500 if purchased with cash can end up costing thousands of dollars by the time you pay it off
if you make only the minimum required monthly payment on the credit card balance. And that
only gets worse (by far) if you happen to be even one day late on one of your payments. When
you filled out and signed the application for a card with the credit card company you agreed in
the fine print to allow the credit card company to raise
your interest rate from the nice low introductory rate
(sometimes even as low as 0%) to often as high as
29.99% if you were ever late. So I hope you enjoy your
television. It is costing you a HUGE amount whether you
know it or not.

Minimum required monthly payments are designed to make the credit card company wealthy
by stealing all YOUR wealth. Don’t play into their strategy.

4. Negotiating With the Lenders

One way to try to make ends meet, if they are not, is to contact your credit card company to tell
them why it has been hard for you to make the payment and see if they will work out some kind
of a modified payment plan that will reduce your payments to a more manageable level. If you
wait until your accounts have been turned over to a debt collector it will be too late but even
before that, it is not a sure thing that they will work with you. But even if they do work out a way
to lower your minimum monthly payment, you aren’t really getting any long-term debt relief;
you’re just postponing the inevitable which just creates more stress and more financial
problems for a longer time period. So even though this strategy is used by quite a few debt
sufferers, it really isn’t a very good way to get any lasting debt relief. Negotiating with your
lenders is better than just making minimum required payments for the long term on high
interest credit cards but it isn’t something that will really solve your debt-related stress.

In this respect, many are learning to stay away

from debt reduction, negotiation, or consolidation.
They have found that it is far more expensive and
stressful than cancelling the debt altogether, and in
addition, it will continue harming the economy. Why
negotiate or consolidate when you can legally
CANCEL, and HELP the economy at the same time?
And if you are truly honest and accurate - - how can
you “reduce” or “negotiate” something that is
nonexistent? If a debt is a fraud, if it is bogus, then it is
nonexistent. Something that doesn’t exist cannot be
reduced or negotiated or compromised or consolidated.
It can only be canceled - - meaning it can be
acknowledged for what it always was - - a hoax.

5. Debt Consolidation

One of the most commonly used and the most abused methods of debt relief is a consolidation

loan or credit card. This strategy often misfires and puts you in a much worse position than you
were before and it is for two main reasons- lack of self-control or lack of money management
skills. If you really stop to think about it, what got you into the high-stress debt to begin with is
often not having enough self-control, or the ability, to live within your means to begin with. You
got caught up in the American thought process that says, “can I afford the monthly payments?”
rather than the question we should all ask when making a purchase, “Do I have the money to
buy this right now or do I need to wait for a while until I save enough money to buy it with
cash?” The monthly payments
question works fine until one slight
mistake causes your interest rate
to skyrocket and causes your
monthly minimum payment amount
to go up beyond what your income
will allow you to pay each month.
Then the high stress begins. And it
hammers you relentlessly every
single month.

So what way too many people do is to look for a low interest loan or place a second mortgage
on their home to help them temporarily out of the heat. What that does is just prolong the
problem by taking debt that could be eliminated with proper strategies and locking it in for
years to come. Many people also find a credit card that has a low or zero introductory rate
(those rates don’t usually last very long) which allows them to transfer the balances of a few
other higher interest rate cards to the new card. While that may work to lower the interest being
paid on the purchases and sometimes even lower the monthly payment, if the old high interest
rate cards are not cut up or put out of commission in some way, the lack of self-control that got
them into the situation in the first place sticks its head up again and spending starts getting
added to the high interest rate cards so now there’s a two (or three or more) headed problem
that gets worse as it moves forward. ANY consolidation strategy must be coupled with
destroying the original cards or the temptation is often just too great to use them and your
problem gets worse.

Another problem with debt consolidation is that there are often costs and fees involved in the
second mortgage or the consolidation loan that simply put you in more debt when the objective
is to get you out of debt. While some consolidation type loans give you a small break when

paying your taxes, the reduction in the amount of the taxes you pay won’t be more than the
other costs that you end up paying.

6. Credit Counseling Services

The objective of credit counseling organizations or services is to advise you on managing your
money and debts, to help you create a budget and teach you how to live by it, and to offer you
free educational materials and workshops about debt and money related issues.

If you are at a reputable organization for

your credit counseling, the counselors are
certified and trained in consumer credit,
money and debt management, and
budgeting. They discuss your entire financial
situation with you, and then help you create a
personalized plan to solve your money
problems. There are often several required counseling sessions. But there are some
organizations that have bad reputations (for good reason) and should be avoided like the

Most reputable credit counseling organizations have non-profit status and offer their services
through local offices, online, or on the phone. It is much better to find an organization that
offers in-person counseling than to do it online or over the phone because the accountability
factor of being in the room with someone helps tremendously. There are many universities,
military bases, credit unions, housing authorities, and even branches of the U.S. Cooperative
Extension Service that operate non-profit credit counseling programs.

But you need to know that “non-profit” status doesn’t always guarantee that services are free,
affordable, or even worthwhile. Some credit counseling organizations charge high fees, which
are sometimes even hidden, or they “strongly suggest” that their clients to make "voluntary"
contributions to their program which actually causes even more debt.

The main problem with credit counseling is that they are ignorant about the nonexistence of the
validity of the debt. They assume it is legitimate debt, when in fact abundant evidence has
proven for decades in thousands of cases that all institutional debt is fraudulent.

7. Debt Settlement Programs

There is also something that is called a Debt Settlement Programs (DSP) which are most of
the time offered by companies that offer their services to make a profit. These programs
involve having the DSP negotiate with your creditors to allow you to pay a lower-than-the-full-
balance “settlement” to resolve your debt. In order for you to make that lump sum payment, the
program has you set aside a specific amount of money every month in savings and the debt
settlement companies have you transfer this amount every month into an escrow-like account
with the goal of accumulating enough savings to pay off any settlement that is eventually
negotiated with the creditor.

Even though a debt settlement company is often able to negotiate and allow you to “settle” one
or more of your debts, there are sometimes risks that go along with these programs. The
program will often require that you deposit
money into a special savings account for 36
months (which can seem like a very long time
when you’re stressed so badly from your
financial situation) or even more before all
your debts will be settled. Because of that one
reason, there is a very high drop-out rate for
those who start this type of program. So this
type of program shouldn’t be started without
fully understanding all the implications of it
before you begin.

Also, there is no obligation for your creditor to

agree to any settlement negotiation. Because
of that there is a possibility that, even after
you pay the program money to help get you
on track, the debt settlement company may
not be able to settle some of your debts. That,
again, leaves you worse off than you were to
begin with.

These debt settlement programs will many times have you stop making payments to your

creditors, so they end up having a negative impact on your credit report. Your creditor will add
late fees and penalties to your balance when they don’t receive your payment and if the debt is
not settled in the end, you are actually further in the hole than when you started. And you also
have to deal with calls from your creditors or debt collectors because you missed your
payment. You could even be sued for repayment and in some cases, when your creditors win a
lawsuit, they automatically have the right to garnish your wages or put a lien on your home.
That scenario is not one you would expect when headed into a program to get you out of debt
but it can occur.

There are also quite a few scams in the “debt settlement program” arena that you need to
watch out for. Some companies offering debt settlement programs may not deliver on their
promises. They will often “guarantee” to settle all your credit card debts for 30 to 60 percent of
the amount you owe and, as stated earlier, there is no way they can guarantee that the creditor
will even negotiate with them. Some debt settlement companies even try to collect fees from
you before they settle any of your debts.

It should also be noted here that if a DSP does end up getting your debt settled for less than
the balance you owed on the card, in some states you end up being required to pay taxes on
the amount that was “charged off” by the credit card company. So in the end, even though you
may have less debt from the credit card company to pay, if you can’t pay the taxes that is owed
from the settlement the IRS, fees and penalties can add up to more than the amount that was
charged off. Just be aware of this before using a DSP as a form of debt relief.

8. High Interest “Pay Day” loans

You may have noticed that there is a huge amount of small “pay day loans” type shops
popping up everywhere. That is because they make so much money loaning hurting people
money (at extremely high rates of interest) to keep ahead of their debt problem. They require
you to prove that you have the money coming in through a job or business income and then
charge obscene rates of interest (usually figured in monthly interest that would be REALLY
ugly if you annualized it) for a very short term loan.

This type of loan is one of the worst debt relief strategies you could ever use and should be
avoided at all cost (because the cost is HUGE and gets you into deeper and deeper debt and
stress when that is the opposite of your goal).

There is a Better Way

You now have lots of debt relief options to consider but every single one of the options listed
above starts with the premise that when you got a credit card from a credit card vendor you
were actually loaned money from an account that they have that lowered their balance and that
you need to pay them back to get their balance back up. Once you realize that they didn’t really
have any money to loan you in the first place, it makes it much easier to see the corruption that
is built into the country’s monetary system and it makes you not want to be a part of it.

In this respect, many are learning to stay away

from debt reduction, negotiation, or consolidation.
They have found that it is far more expensive and
stressful than cancelling the debt altogether, and
in addition, it will continue harming the economy.
Why negotiate or consolidate when you can
legally CANCEL, and HELP the economy at the
same time? And if you are truly honest and
accurate - - how can you “reduce” or “negotiate” something that is nonexistent? If a debt is a
fraud, if it is bogus, then it is nonexistent. Something that doesn’t exist cannot be reduced or
negotiated or compromised or consolidated. It can only be canceled - - meaning it can be
acknowledged for what it always was - - a hoax.

You have to realize that there is much more than just

the principle of the thing that is at stake here. The
way the Fractional Reserve Banking System is set up,
it is designed to enrich a few wealthy bankers even though anyone who studies it knows very
well that the end result is astronomical inflation which leads to eventual financial collapse. We
are near that final result now in the United States unless enough people realize the travesty of
what is going on and take action to change it.

The first step toward changing the system is to not be a part of it yourself. And a huge side
benefit of taking that step is that your debt will end up being eliminated while you’re in the
process of helping implement change. So do both your country AND yourself a huge favor by
joining a movement to implement change and get your debts eliminated (erased) at the same

The Debt Cancelation Movement is Spreading

(because most institutional debts are hoaxes)

Our hearts go out to the millions of

Americans who are unnecessarily
burdened with debt payments to
institutions that issue Visas,
MasterCards, Discover cards,
student loans, and other signature
lines of credit. The Liberty credit card
and student loan debt elimination
program has been legally canceling
the United States-based unsecured
debts for thousands of Americans. These include Visa, MasterCard, Discover, institutional
credit card debt, student loans, and signature loans. Liberty users stop making payments on
the debts immediately, the day they start the program, and nullify the debts totally 100%,
without bankruptcy, just by sending a series of letters.

Many Liberty customers say this is the answer to their prayers. So our question to newcomers
is, why negotiate, settle, modify, reduce, or consolidate, when you can outright CANCEL?
And, out of the hundreds of theories and approaches to debt solutions out there, isn’t it better
to with what WORKS -- not mere theory? As the saying goes, "Anyone who says it is
impossible should not interrupt one who is actually doing it."

The Liberty system has enjoyed a nearly 100% success rate since 2002, meaning no one who
has followed the simple instructions completely and didn’t give up, has failed to have the debts
vanish. Liberty customers are protected by numerous laws, and a network of allies and
professionals. Further, we have found
that this is one of the best things you can
do to help the economy, because it
withdraws support from the parasitic old
paradigm international criminal banking

This allows customers to legally and

totally cancel Visa, MasterCard, Discover, American Express, student loan debts, and other
unsecured lines of credit, without bankruptcy. It’s easy. Anyone with access to a computer and
Microsoft Word (or compatible) software can do it. Just follow simple ABC instructions to put
your name and personal information into three (3) powerful pages – and send them Registered
Mail. That’s it! No attorneys needed. It’s quick – can be done in one hour.

It’s inexpensive – just $450. Most people spend that much or more in one or two months of
debt payments. When you realize you can, and should, stop making the payments on the
debts you are cancelling with the Liberty system, right at the beginning of the process – the
moment you purchase it, it is clear that the program pays for itself – and you are starting to pay
yourself instead of the international criminal banking cabal.

And, your purchase could effectively be free. If you have $450 in credit on your card, you can
take the purchase price from that, and then include that in the debt to be cancelled with the
Liberty system. There is nothing unethical about this, as you can
see in the FAQs. Compare this $450 to programs costing $3000
and up. There are no other fees, and this covers an unlimited
number of debts for one person (or a couple on joint accounts)
for a lifetime.

It has enjoyed a nearly 100% success rate. This means basically

everyone who has used this exact same system precisely as
instructed, has had collection attempts by banks, lending institutions, law firms, collection
agencies, and even courts, come to a halt. The only people who failed were those who didn’t
follow the instructions or who quit and gave up. And the instructions are easy. Basically, it just
involves sending a letter Registered Mail approximately once a month for a few months until
the collection efforts stop. We provide the text of the letters and complete instructions. You
just fill in your name, account number, etc. It can’t get much easier than that.

The Liberty system is the best in America, as far

as we know. It has incorporated all the most
effective techniques for debt cancellation
discovered out there. Since it has been practicing
this every year since 2002, it has been continuing
to augment, improve, upgrade, and become
stronger. New research is always pouring into it.

The market changes, but certain basic principles remain the same and are invincible. The
“pretender lenders” have no defense to certain allegations made in the Liberty letters, and so
they remain undefeated to this day.

For every American who implements this debt cancellation system, the economy is improved
by that much. This is because when you were making your payments to the money lenders,
the people benefitting most from those payments at the top of the banking hierarchy know full
well that they created the loans out of thin air, and never loaned anything. So they’re getting
trillions of dollars in free extortion money, tribute to their private offshore islands, underground
cities, secret space programs, private armies, weapons and drug trafficking, war making, and
other nefarious activities.

It’s well documented and

there are hundreds of books,
websites, and seminars
revealing these facts. We
recommend everyone read
authoritative books like
“Secrets of the Federal
Reserve” by Eustace Mullin,
or “The Creature from Jekyll
Island” by G. Edward Griffin.
There is really no
controversy about it and it’s
not really a secret . . . it’s just that the information hasn’t yet spread to everyone. But the word
is spreading more quickly now.

When Liberty customers stop paying on these phony bogus debts, the economy is improved
because money that was otherwise going to the international crime syndicate -- which they
then use to hire armies of mercenaries to organize the banking and court systems against
innocent people -- is money that is now going instead to one's own (presumably) harmless and
life-supporting home living and household expenses, and perhaps education, spiritual
practices, or health treatments creative and constructive projects. It is withdrawing money from
what is harmful in the world and redirecting it to what is helpful. That is a most beautiful
fulfillment of the purpose of ethics.

A Cornucopia of Benefits and Advantages

Although it is a do-it-yourself system and has complete

instructions, the Liberty staff also remains available for
answering questions by email and phone. People have been
very happy with the Liberty customer service. Further,
Liberty is backed by a strong legal team who remain on standby
for all customers in case assistance is needed. In about 2% of cases, it is necessary to go to
court. Once again, 100% of the Liberty customers who have gone to court and who have
faithfully used the assistance of the Liberty legal team and didn’t give up have won. But
around 98% of Liberty customers
win without ever having to go to

The Liberty system has even

worked for people who have been
sued by their credit card
institutions. They adapted the
documents to the court case, and
often the cases were dismissed
without having to go to court. In
the very few cases where litigation
followed, there are no failures. At
no further charge, the Liberty staff provide a zip file of powerful support documents; and, we
refer these rare customers to rare lawyers who guide them to success. They only charge a few
hundred dollars – like $250 per court filing -- peanuts compared to the attorneys who charge
thousands and then end up selling you down the river. None of these customers has lost, if
they followed our instructions and the lawyer’s guidelines completely and did not give up.

This system works far better and more consistently than commercial discharge or set off
methods under the UCC, because the elite have tried to monopolize those methods for
themselves, while stopping them from being honored for most people.

Proof that it Works

The system continues to work today. It is time tested. It takes a few months for users to see

that the pretender-lender collection attempts have definitely stopped, but they have always
stopped. There is a list of evidences of this success on the Liberty web pages, from institutions
like Chase, Transunion, Capital One, Citibank, and others. For example, Transunion, the
credit reporting agency, shows that the debt has been "deleted". You can view these
documents at the Liberty website under where it says “Proof That Debt Elimination Works”.

In that section there is even one from the IRS,

showing a bill for income tax owed due to the debt
cancellation. This kind of bill has been received by
very few of our customers, and none of them have had to pay the income tax, because we
have CPAs we refer our customers to, who can provide a legal filing category that changes the
cancelled debt from “income” to a tax exempt status. In addition to this good news, our Liberty
customers now have the most absolute proof-in-writing possible -- from the Fed itself -- that the
Liberty system works.

Usually when we beat the pretender lenders, they just quietly slither away and never issue
anything in writing confirming our victory, because they probably figure it would get duplicated
and the word would spread far faster than it already is. So the best we have been able to
enjoy so far in this matter is their going silent and ceasing
their collection efforts. That alone has freed countless
people from the tyranny of debt enslavement, so we can't
complain. But occasionally, it's nice to receive an actual
written confirmation of the elimination of the debt.

This doesn't mean that the same will happen for you, if
you use the system. More likely, your debt would just
quietly go away and you would never receive anything in
writing confirming it. It's the old proverb, "no news is
good news" -- meaning no more billing statements, no
more collection letters, no more collection calls, and the
debt has been written off.

A critic once said this “is not true debt cancelation”,

because the lender doesn’t usually put anything in writing
plainly admitting it has been cancelled. Nothing could be
further from the truth. The whole basis of the fantastic

success rate of the Liberty system dating all the way back to 2002 is the fact that the debts
were bogus – phony – and thus nonexistent from the beginning. How do you cancel something
that doesn’t exist? If the only evidence of its existence is the collection efforts the pretender
lenders are making, then when the collection efforts stop, that erases the only evidence they
ever had of the existence of the debt. There is nothing else to cancel. One would be naïve to
believe that the pretender lenders are going to put in writing “You are right. We committed
fraud. We are so sorry. We won’t let it happen again. Here, we admit here in writing that the
debt never existed. We were just pretending that it did. And here is a refund of all the
payments you ever made on it.” It would be not only naïve – it would be crazy – to expect
they’re going to put that out in writing. So the critics are wrong. The fading away of the
collection efforts does in fact constitute the most legitimate confirmation of cancelation of debt.
If anything else comes in writing in rare cases, that’s just icing on the cake.

What about your signature on the original application, promising to repay the debt, you might
ask? Doesn’t that make it legitimate? No, because now we have caught the “lender” in fraud.
A U.S. federal court case concluded:

"Fraud vitiates the most solemn Contracts, documents and even judgments"
[U.S. vs. Throckmorton, 98 US 61, at pg. 65].

Nothing ever came out of their accounts to fund the “loan”, and they can’t prove otherwise. Not
once since the Liberty program began in 2002 have the “lenders” ever come up with a shred of
evidence to support their claims of being “lenders” or “creditors”. Yet they claim they are. If
that isn’t an indisputable example of “fraud”, nothing is. So, they are not creditors at all. WE
are! We are the ones who, with our signatures, back the monetary system. Therefore WE are
the creditors. The pretender lenders are just imposters. They have proven it repeatedly by
their own actions, and by their omission of evidence to the contrary.

The effectiveness of the Liberty system does not depend upon presenting mere philosophy to
the banks. While what they are doing may be unethical, we don't argue ethics. The reason the
Liberty system is effective is because it targets actual specific laws that they are breaking.

They cannot get around it and they cannot defeat this fact. That's why people who have been

sued have often had their cases dismissed when the Liberty documents were presented.

Click on the titles

(or if you are reading this on paper, type the video web addresses into an Internet browser)

• The American Dream by the Provocateur Network -

• Are You a Sleeping Debt Slave? -

• The Biggest Scam in the History of Mankind (Documentary)

Hidden Secrets of Money 4 | Mike Maloney -


You may have questions that haven’t been answered here. Please read the Liberty
Frequently Asked Questions below. Yes, the Liberty consultants are here for you - -
they respond daily to email tickets submitted at their Help Desk via the Contact Us - -
and they also respond to phone calls to the number at the top of their website home
page. But first, they kindly ask you to please read the FAQs, to see if your question is
already answered herein. Many thanks. May you be fortunate and take the first step
towards becoming debt-free!

Question: I am interested in the debt elimination program and wanted to make sure that it
was available and if the program still has 100 percent success rate?

Answer: Yes, the 100% success rate still exists. It is simply important to understand how this
claim is justified. What we mean by the 100% success rate is first of all only applicable to the PAST,
NOT to the future. We can only honestly and accurately comment about what has already happened
in the past. What will happen in the future is not ours to predict. That's why we don't offer any
guarantee. We don't offer a guarantee because we have no control over how well the customer
implements our instructions, and we have no control over the response that the banking system will
send. It's like selling you a car: we can guarantee that it is well made, but we can't guarantee that
you won't drive it poorly and get into an accident.

What the 100% success rate means, then, pertaining to the past, is that out of thousands of
customers since 2002, not a single one of them who completely followed its instructions to the letter,
and did not give up, has failed to have the debt collectors go away and leave them alone. Further,
the 100% success rate means that not once has Liberty's essential argument been shown by any
lender or any court or any attorney or anyone else, anywhere, to be invalid. The essential argument
and allegation in the Liberty dispute letter has thus proven to be invincible.

In about 1% or 2% of the cases, the customer was sued by the lender
or a third party junk debt buyer after implementing the Liberty system. Thus it
is a very small number -- and of those, we also have a 100% success rate,
AGAIN on the same basis: that those who utilized our Legal Resources
Package, followed its instructions perfectly and completely, and utilized the
lawyer to whom we referred them, have had their cases dismissed. That
means they won. They were victorious. This is because the pretender
lenders and their agents have no defense to our allegations, but the
defendants had to use the documents our lawyer provided them to file into the
case, and they had to follow his simple guidelines. These basically consist of
not letting the court or the opposing counsel intimidate oneself; not letting
them distract one off into their line of questioning; and most importantly, it
consists of holding firm like a laser beam to the essential allegations. It's as
simple as that.

So it's not really hard . . . but some people failed because they got scared, they got confused,
they listened to the wrong outside advice, they detoured off the proven path to success that we gave
them, or they got stressed and tired and gave up prematurely, without persisting through to their
victory. In other words, once again, our system has been 100% successful -- both for the 98-99%
who accomplish it administratively -- and for the 1-2% who went to court -- IF they stayed on the tried
and true path of what we have given them to follow.

We hope that this has clarified your concerns. Thank you for asking and giving us an
opportunity to make it clear. If you have any further questions, feel free to ask any time.

Question: Does the Liberty system work with

other unsecured loans like federally insured
student loans?

Answer: Yes. The student loans were

created just as fraudulently as the credit card
debts. The system has been working with federally
insured student loans, because they were created under same false, phony, money-out-of-thin-
air process. The Liberty document content is undefeated and undefeatable. So far, we still have
a 100% success rate in student loans being cancelled without litigation. And, we have one
victory letter about a student loan Treasury setoff from the U.S. Department of Education,
posted on our website. If you haven't seen it, take a look at it. It is in the Liberty section of our
site, listed under where it says "Proof That Debt Elimination Works".

Nevertheless, student loan borrowers are not protected by as many consumer protection laws
as credit card borrowers are. Some experts have observed that the quasi-government agencies
that make student loans are a little more persistent in pursuing the "repayment" of such "loans".

That is why, in an abundance of caution, we make you aware that if you use the Liberty system
for student loans, be mentally prepared for needing a little more patience than our credit card
customers go through.

If you fit with the 98% or 99% majority of Liberty customers, you would be likely to win
your student loan debt elimination administratively, without going to court. But even if you
happen to be one of the 1% or 2% who are “lucky” enough to get sued, the good news is that
we now have a growing legal team to assist our customers when needed. Of course they would
charge their own fees, but generally they are very reasonable and low -- like in the hundreds
rather than thousands -- as compared to typical attorneys. And, they have a 100% success
rate, in all cases where the client fully cooperated . . . followed the lawyer’s instructions entirely,
and did not give up.

Question: Ethically, I believe in paying my legitimate debts. If I have received real goods and
services for the bills I ran up on my credit cards, then why is it ethical for me to not repay those

Answer: Because the money

lenders were not the sources of
those goods and services. The
merchants who provided the goods
and services were paid, but the
money lenders produced nothing.
Furthermore, the money lenders
never loaned anything. No money
ever came out of their accounts to
issue your lines of credit. They
pretended to make loans, when actually nothing was ever loaned. That is called fraud. That is
why this Liberty debt cancelation system legally works. "La Vérité" means "the truth". We are
simply confronting them with the truth, and they cannot deny it.

We strongly recommend that everyone read the book The Creature from Jekyll Island, by G.
Edward Griffin. It is available at That book reveals the fascinating story of the
creation of the Federal Reserve banking system, and how what the banks of today are "loaning"
has never been true money, but rather just fictions created out of thin air, in a sophisticated
strategy for the bankers to take over and enslave the world.

Question (related): I would like to hear your response to the ethical question of your system
being based on the fact that the credit card issuer is being fraudulent, yet to buy your system
you accept credit card payment online. If they are fraudulent then why are you accepting their
form of payment for your system?

Answer: The reason is because out of the three parties to the transaction, only one of
them is fraudulent. That is the so-called lender. You, the customer, are producing value with
the hard earned money you are paying; and we, the merchant, are providing value with our
hard earned product. It is ethical and sound thus far. We should be paid and you should
receive good value, rightfully so. It is when the international crime syndicate called the money
lenders insert themselves into the middle of the transaction and attempt to extort their cut, that
we draw the line. No money came out of their accounts to issue the loan -- it was created out of
thin air using the Mandrake Mechanism -- and no value came out of them either, in the way of
goods or services.

One could argue, well, they provide the medium of exchange -- i.e. the money, and administer
that system. If so, then the honest way to do it would be for them to charge a small nominal
fee, such as 0.01% of every transaction worldwide, for maintaining the money system. That
might be fair. It would be open, honest, transparently visible, and mutually agreed upon by
everyone. But paying "back" 100% of the value of the transaction PLUS usurious interest, is
nothing less than outright theft and extortion. It is a parasitic
influence on the global economy and has destroyed
countless lives. That is wrong and must be stopped.

We are not harming anyone or taking anything that isn't

offered, by accepting credit cards to pay for our products.
On the contrary, as sovereigns, we are exercising our God-
given right to transact in commerce and provide our goods
and services using whatever medium of exchange society
has most agreed upon. The fact that a corrupt cabal has
tried to insert itself as a fraudulent party to the transaction is
the reason for our withdrawing our support from that

Further, for every debt cancellation system a new customer implements, the economy is
improved by that much. The economy is improved because money that was otherwise going to

the international crime syndicate -- which they then use to hire armies of mercenaries to
organize the banking and court systems against us -- is money that is now going instead to
one's own (presumably) harmless and life-supporting home living and household expenses
and perhaps education or creative and constructive projects. It is withdrawing money from what
is harmful in the world and redirecting it to what is helpful. That is a most beautiful fulfillment of
the purpose of ethics.

Question: Can I selectively cancel some of my credit cards like the ones with the highest
balances or interest rates and keep one or more cards?

Answer: Yes. As stated in the Instructions, you can use the Liberty system on as many of
the cancellable categories of debts as you wish, without limit. If you need to keep at least one
credit card still working, then don't cancel that. Obviously the cards on which you apply the
Liberty cancellation system will have their accounts closed and the cards will no longer work.

So, for example, let's say you have three Visas, two MasterCards, and one Discover card. Let's
imagine that you have come pretty close to maxing out all the cards except the Discover card.
On your Discover card, you still have plenty of credit and wish to keep it as a reserve in case
you need it. So, don't use the Liberty system on that one. Use it on the Visas and
MasterCards, and those accounts will be closed sometime in the months following the
commencement of your Liberty letter-sending campaign.

Question: What unsecured debts does the Liberty system NOT work with?

Answer: It doesn't work to cancel debts that

are legitimately owed -- such as money your
friend or father loaned you, or say a department
store credit card where you received merchandise
from that store AND the store did not sell the
paper to another loan servicing company. If the
department store kept the loan paper in-house,
then that is a legitimate debt. The invalid debts,
which this set successfully cancels, are the money-out-of-thin-air debts under the Federal
Reserve system such as Visa, MasterCard, Discover, and other institutional credit issues.

Question: Would a peer-to-peer lender (ie. Lending Club) qualify for debt elimination thru
this program? It is an unsecured loan; however, the lender matches borrowers with investors

rather than directly loaning out the money from themselves.

Answer: If the "investors" you speak of -- and the term would be more accurately stated
as "lenders" -- but in any case, if they are individuals, then the money they are lending is
coming out of their accounts, and reducing their accounts by the amount loaned. Those are
real and legitimate loans that should ethically and legally be repaid.

The loans that can be cancelled are really magic tricks. They are the vast majority of instances
where Visas, MasterCards, and other unsecured lines of credit received money that the
financial institutions created under the Federal Reserve System, and never had any deduction
out of their accounts. Rather, they simply did a computer entry, where they created it out of thin
air. This is called the Mandrake Mechanism. They have nothing at risk. The fact that they
pretend otherwise is fraud.

Thus the reason we have a 100% success rate in cancelling those debts is that we challenge
them to prove that they really loaned something, that money really came out of their accounts,
and that they had something at risk. They can't do it.

The type of loans you are talking about would legitimately be repayable, UNLESS they were
made by banks or financial institutions under the Fed system, using the Mandrake Mechanism.

Question: I was sued for not paying my credit card debt. I had to go into court and got a
judgment against me. Will the Debt Elimination Program still work for me with this judgment
against me?

Related Question: What happens if for some reason one does

get a judgment against them; is there help for them then?

Answer to both questions above: Yes. Previously we used to say

that this is an administrative process only, and that we don't assist
with litigation, because it was so rarely ever needed, and we are not
lawyers. However, we now have an unusually powerful and
successful legal team to assist with such matters, and we have only
wins and victories with no failures or losses. There are nominal
additional fees for litigation, depending upon how simple the matter is, but suffice it to say, we
do make available formidable additional resources as backup support for anyone who gets
sued or who may like to commence a suit as plaintiff.

Question: What happens to the status of the credit card after this process is complete? Are
the credit cards cancelled or are they still useful?

Answer: Good question. After the debt has been cancelled, the credit card institution will close
out that account. So no, that card will not be useful anymore. As a matter of fact, that institution
would probably not want you again as a customer. After all, they're making a pretty lucrative
racket by pretending to loan money when nothing -- not a penny -- EVER came out of their
accounts to ANY credit card customer! So when they realize you're not going to play that game
anymore, you're no longer a viable source of free money for them.

They can't prove that they didn't

commit fraud . . . and so that is why
they will let the debt go away when
you challenge them head on. But on
the other hand, they're going to keep
their free gravy train going as long as
possible. Customers who wise up to it
are no longer welcome.

Further, in good conscience, it would not be ethical for the customer to deliberately create
credit card debts and then cancel them, knowing in advance that it is a fraud. The action
outlined by the Liberty system allows you to act in good faith, showing that you have learned
about the fraud only AFTER having already unwittingly allowed the so-called "debt" to exist for
some time, and after having mistakenly honored it by making payments to it.

Question: Some customers have received responses to the Liberty letters with statements like
the following: "When your account was opened with us and you used the credit card, you made
a promise to pay for all goods and services provided through the related credit card
transactions, as well as any associated fees. You renewed that promise each time you used
your credit card."

Answer: These customers have felt hurt, guilty, and accused by such statements, and have
wondered how to respond. The key principle in law to be aware of in this context is this:

"Fraud vitiates the most solemn Contracts, documents and even judgments"

- - [U.S. vs. Throckmorton, 98 US 61, at pg. 65].

This means you can rely on the federal courts for your
justification. When you originally signed the loan
agreement, they had committed fraud by failing to disclose
to you that they were not loaning any money at all, out of their accounts. They further failed to
disclose to you that they were in violation of various lending acts and failed to perform under
those definitions.

They play on your conscience, by avoiding answering to those allegations, and instead
distracting your attention over to your so-called "promises" -- just like a magician trick. DON'T
FALL FOR IT!! If they had truly, genuinely, actually, and authentically loaned real money out of

Thus it is through no fault of yours that these facts were not fully disclosed to you at the time of
signing. Since opening the account, YOU HAVE COME INTO NEW INFORMATION. Hence
do not fall for their tear-jerking pull at your honest heart strings.

Why do you think the Liberty system enjoys a 100% success rate? Why do you think it has
never failed to eliminate the debts to which it is addressed? Do you think this would happen if
there were a genuinely moral, ethical, or legal obligation on your part to repay something?


Just continue with the Liberty system, wherever you happen to be in following the Instructions
and the Flow Chart.

Question: Other customers have received letters with statements like: "Please be advised that
under Section 226.13 of the Truth in Lending Act, you must notify us in writing within 60 days
after we sent you the first statement regarding any suspected error or requests for additional
information regarding specific transactions made on your account. As long as the detailed
transaction information is provided to you on your statement, we do not need to provide you
with copies of your receipts during that billing cycle." These customers ask how to respond to

Answer: This does not address the foundation, which is that no loan ever existed. All the Truth
in Lending Act cite is referring to is if there are errors in the charges. If there are erroneous
charges on the account, then one is required to notify them within 60 days. That has nothing to
do with the fact that no loan ever existed in the first place, and the fact that they are in default
on proving otherwise. And the Liberty documents do not request "receipts". The above effort on
the pretender lenders' part to try to distract you into thinking you did something wrong, is just a
sleight of hand - anything to get your attention off the central issue - that they never loaned
anything. That's why in an instance like
this, your job is simple: to just "rinse and
repeat". Remember, it is the
allegations that eventually makes them
give up and go away. Stay firm and
focused like a laser beam on following
the Liberty instructions. No one who
has ever done so, has lost.

Question: Those who understand American

sovereign status, HJR-192 of June 5, 1933, the
Uniform Commercial Code, and commercial
remedies such as our rights as creditors to
create money in accordance with the UCC,
know that debts can be set off or discharged by
the issuance of proper credit instruments. Why
then do you speak of creating money out of thin
air as if it is some kind of wrong or illegal or
unethical act?

Answer: There is nothing unethical about

creating money out of thin air -- IF it were to be offered equally across the board to everyone,
openly with full disclosure, with equal opportunity, and with publicly sanctioned assistance in
implementing it to all people without discrimination.

What is unethical is to do it like a magic trick, hidden behind the scenes, keep it a secret
from everyone, pretend that the loans came out of their supposedly already existing, genuine,

and limited funds, and that they would therefore be financially harmed if you don't pay it back.
That is harmful dishonesty, plain and simple. It is deliberate and unjust enrichment designed to
benefit the few at the expense of the many. Read books like The Creature from Jekyll Island,
by G. Ed Griffin, or Secrets of the Federal Reserve, by Eustace Mullin (click on the titles to take
you to their Amazon order pages). They explain in crystal clear, irrefutable terms exactly how
the "Mandrake Mechanism" works . . . how they create money out of thin air and pretend that it
is real.

Further, most people don't realize that in all 50 states, it is illegal to loan credit. It is legal
to loan money, but not credit. And yet that is exactly what the pretender lenders have been

Thus the commercial remedies rightfully provided to us under the UCC have not worked
for most people, even when presented properly, for the simple reason that the egomaniacal
controllers have monopolized the benefits of the system for the insiders, at the exclusion and
the expense of everyone else. It is for that reason that our credit card debt cancelation system
challenges the fraud, rather than attempting to discharge the debt . . . and it is for that reason
that this approach has been undefeated.

Question: How long does it usually take to get process started and finalized? (Or asked
another way:) Once I complete your paperwork, how long does it take for the debt to be
completely eliminated?

Answer: You can get started immediately upon receiving the documents from the website.
Most people only need 20 or 30 minutes to create the customized versions of the documents

for each debt that is to be cancelled. Then after sending them registered mail (return receipt
requested), within a few weeks a rebuttal will come from the pretender lender or their collection
agent. The rebuttal will show that YOU HAVE WON, because it will FAIL COMPLETELY to
even address any of the points in your dispute letter . . . much less answer them or prove that
the debt is valid by fulfilling your demands for compliance with the law. Their letter will beat
around the bush, claim this and that, but will strategically avoid answering the allegations made
in your dispute letter. They are now caught, and they cannot escape. But, they hope that you
will be intimidated and will acquiesce, or will get distracted and get off point.

So, you very calmly just print out, sign, and send registered mail (return receipt
requested) the very same letter, as you will see in the instructions. Just follow the simple
instructions that come with the program. Very simple. Like washing your hair, "rinse and
repeat". A few weeks later, they will probably send another silly rebuttal. Once again it will
completely fail to even address any of the points. So, repeat the same process. Send the
letter again, according to the instructions. Very simple, very easy, and it doesn't take much
time to do.

This process may go on for a few months. Gradually you will hear from them less and
less. Most customers stop hearing from the pretender lender and their agents within 3 to 6
months. It is when you have not heard from them for a while, that you know they have given
up. They know they are beaten, but they will never admit it in writing. You did see the
Transunion report on our website showing the debt of one customer deleted, but the lenders
themselves won't admit in writing that they were wrong . . . because then they would be liable
for billions . . . trillions . . . of dollars worth of fraudulent debts to hundreds of millions of people
over decades. It's a big thing. So, they would much rather just let you go, quietly.

Question: What happens to my credit rating after the debt is


Answer: As discussed above, why would you continue to

use credit, once you know that it is a fraud? Most of the
people who have gone down this path of canceling their debts
have learned to live without credit, and use debit cards instead.
However, the good news is, actually, users of this system
usually do NOT have any blemish on their credit rating . . . for

the simple reason that we've been having them send a Cc copy of the letters to the heads of
the credit reporting agencies. In other words, whatever you are sending to the pretender
lender(s), you are also sending copies of to the three main credit reporting agencies. That
shows them that you are not in default . . . but rather, the debt is in dispute. As long as it is in
dispute, it cannot be considered to be in default. So blemishes on credit ratings are much
more rare now, and even when they occur, they are erroneous and can be corrected.

Question: What if someone already has a credit card process in with another company that's
in the World Court now but the debt elimination is not final as of now? Can I still use your

Answer: It sounds like you are referring to procedures like those provided by Divine Province
or Gold Shield Alliance / Freedom Club. They have the right approach and we applaud them
for their efforts to make
the cabal do the right
thing. The problem is, as
you know, that their
success rate is very low.
The cabal has just not
been allowing those
procedures to work most
of the time.

Yes, you could engage

the Liberty process
simultaneously, and it
would create a win-win-
win situation for you. On
the one hand, in practically all of the many hundreds of previous cases, it has resulted in the
pretender lender ceasing their collection efforts. They go away and the card holder no longer is
harassed or bothered by the phony bogus debt collection attempts.

On the other hand, in your case, it would also box the pretender lender into a corner. They
have the choice of either honoring the process of creation of funds under public policy to
liquidate the debt, as you are trying to enforce via the World Court; OR, they face being
confronted with the alternative -- which is being caught in their fraud -- which the Liberty

system does. So the Liberty system would both add to your enforcement, as well as liberate
you from their collection attempts.

Question: What are tax implications of this kind of freedom?

Answer: Why would the two be related? Are your supposed debts, or your payments on them,
presently tax deductible? I am not a taxpayer, nor a tax advisor, so you would need to consult
a tax professional for such answers. All Liberty does is cancel your unsecured debt. Unless
you are a taxpayer and the debt is tax deductible, I don't know what implications the
cancelation would have.

Question: Can the Liberty system work in countries other than the USA?

Answer: Most likely YES,

potentially . . . because all countries in
the world operate under the same
general monetary system as the US,
more or less. The problem is, the legal
cites in the Liberty system have never
been adapted for other countries.

The Liberty system has laws cited, like

"USC § 1692 et seq", and people in other countries would have to have a lawyer or paralegal
find the equivalent for their nation and replace it in the Liberty documents. "USC" is the United
States Code, and that only applies in the US -- that's why the introduction said at the top
"Mainly for card holders in the USA".

However, this system SHOULD work for people in other countries 100% successfully, just as it
does in the US, if one replaces the US laws in the set with the laws from that country. Do you
have a lawyer or paralegal who can do that?

So to clarify, it's not the citizenship of the card holder that matters. It is from what country the
card itself was issued. For example, if someone is Canadian but has a Visa from a U.S. bank,
then that qualifies. The cardholder agreement must be under the U.S. jurisdiction, thus
meaning the card has to have been issued in the U.S. for the Liberty system to apply as is,
without legal modification.

Also, another method that can possibly work for non-US citizens and residents, is if the card

holder in the foreign country can transfer the card balance to a US card. For example, if
someone from Australia has $7000 AUD in Visa or MasterCard debt on an Australian card, and
if that same person were to acquire an American Visa or MasterCard from a US bank, that
person could ask the US institution if it would transfer the $7000 AUD balance from the
Australian card to the US card. Most institutions are more than happy to do so . . . because it
gives them more business, and therefore more revenues. To them, it really doesn't much
matter what country the debt comes from.

Then once the debt is on the US card, it can be cancelled using the Liberty program.

Question: Do we have to buy your docs twice, or can we buy one set and adapt for both my
husband's credit cards and mine?

Answer: You only need to buy the docs

once. The rule is, one purchase per
household. For friends and other
households, another purchase is required.

(Similar) Question: If I purchased your

system would I be able to use it to help
settle the debts of other people such as
relatives, friends or neighbors?

Answer: No, you can only use the Liberty

system for yourself and a spouse or someone in your household who shares your accounts
and household expenses with you. The reason is that there is ongoing customer service, and
we can't afford to provide customer service to people outside your household who didn't buy
the program. If we allowed everyone to do that, it would mean we would have five or ten times
as many customers to support, with no extra income to pay for it. So the others outside your
immediate family and household each have to buy their own Liberty system. If you were to
share it with them without our permission, then when they run into questions or perceived
problems and need help, they would have no access to us to help them. You wouldn't want
that to happen.

Question: I have a friend that is considering going though the program. He has a signature
loan with a small credit union that he also keeps his personal funds in. He is wondering if there
would be any blowback from sending the letter to eliminate the loan. Have you heard of any

repercussions as far as personal funds being confiscated or frozen by an institution as
receiving the letters?

Answer: We have never heard of any institution confiscating the checking account of a
customer who is cancelling their credit card debt with the same institution. And at the same
time, to prevent any possibility of it happening, we have recommended that they consider
removing their checking account . . . or at least most of the money in it . . . from that institution
and moving it to another institution. That is just simple wisdom to be prudent and cautious.
"Better safe than sorry."

Question: If I have a judgment on a credit card, can I still pursue with applying through
Liberty to be debt free from that card?

Answer: Yes. It will cost extra, a few hundred dollars,

because you will have to sue them under the direct 1-on-1
guidance of one of our lawyers. The Liberty system by itself
is just a letter writing campaign. That is sufficient to get pre-
judgment debts cancelled, but it is not sufficient to reverse a
judgment. To reverse a judgment, you will have to sue

Further, most Bar-licensed attorneys are wimps when

it comes to going against the banks. They’re afraid of losing their licenses. And they’re mostly
ignorant about the secrets of money and the Federal Reserve. So it would be hard for you to
find an attorney to represent you, who would understand the content of the Liberty system and
make it the centerpiece of the lawsuit.

If you are prepared to go Pro Se (representing yourself), or In Propria Persona (as

yourself), and feel that you have the determination and the courage, then you could purchase
the Liberty system, and we will introduce you to one of our non-Bar lawyers. He will provide
personal consultation to you and will create the documents for you to file into the court case.
You would follow the specific steps that he provides, and you would make the arguments in the
customized documents he gives you the centerpiece of your lawsuit. The allegations in the
Liberty system are undefeated and undefeatable by the pretender lender institutions.

Our lawyers have a 100% undefeated success rate in winning all of these cases, where
the client fully cooperated and did not give up. He will show you how to absolutely force your

opponents to answer what is in the Liberty documents. Otherwise they will weasel out of it and
avoid having to answer, claiming they’re not required to answer. You have to force them to
answer to The Truth. Our lawyer would provide the documents to file and the words to say,
and what words NOT to say, to guide you to this victory.

Question: Does Liberty cancel debts on AMEX (American Express) cards as well?

Answer: It works the same on AMEX as it does on the other cards. We just don't talk about
it as much because a much smaller minority of our customers have AMEX and need to cancel
the debts on it. Usually most people pay off their AMEX balances each month, as you know,
but the "credit" AMEX issues is the same money-out-of-thin-air fraud that the Visas and
MasterCards do. So yes, it can be cancelled just the same.

Question: Can your system be used to settle a SALLIE MAE loan? I believe they are a
private corporation and not affiliated with the US government.

Answer: Yes, if it is an unsecured loan . . . meaning signature only -- not a mortgage secured
by real estate or other hard assets. In other words, was a boat, a car, real estate, or other
asset pledged as collateral, such that they could "legally" take that item from you if you don't
repay the so-called "loan"? If not, then yes -- the Liberty system can cancel it.

Question: Is there is specific time frame that I need to send the letter once I have received
correspondence from the bank / cc company?

Answer: Not really. Even if they give a

deadline, you're not legally bound by it,
because remember, their fraud made the
signed agreement null and void. But just
for maintaining the effectiveness of the
campaign, it makes sense to respond
within a reasonable time, like a week or
two. In my own case, I usually responded
within 2 or 3 days. In controversies like
this, the one who is on the offensive usually has the advantage, so it is good to hit right back
quickly . . . to give them the strong impression that you are absolutely on top of them and you
are neither wavering, unsure, wishy-washy, or lenient towards them. If you take too long, they
might get the impression that you're weak, or apathetic, and you might be easier to push over.

Your strategy is simple. One a 1:1 basis, for each thing they send you, you send one
response right away. The response will always be the first dispute letter and affidavit, until and
unless they get more belligerent and threatening. Then use the second letter. That's it. It's as
simple as that. If they don't respond point-for-point to the dispute letter and satisfy what it
demands, and if they fade away from contacting you, then you have no need to pursue them
any further.

Question: If I am current on the particular credit card I wish to cancel and am not in default,
then how would I modify the process?

Answer: There is no change to make. The first sentence is "Thank you for the statement of
[date], that your institution recently sent me, expecting payment for an alleged debt." That
remains true whether you are current on your payments or not. In any case, do NOT include a
payment with it, because that would contradict the point of the dispute letter and remove the
credibility of your challenge.

Question: Does one purchase include unlimited credit card cancelations?

Answer: Yes. Once you have the system, you have it for life, to use on as many unsecured
debt cancelations as you wish.

Question: Is there a limit to the amount of debt that I can cancel from one purchase of the
system? What is the limit?

Answer: There is no limit. In fact, it wouldn't make sense to cancel just a portion of a debt.
It's all or nothing. It doesn’t matter how large the debt is. Fraud is fraud.

Question: My credit card account is with a major corporation with which I worked, however,
the statement and payments go to the card services division of a credit card institution. Do I
make the parent corporation the addressee on the first dispute letter, or the credit card

Answer: Send your Liberty documents always to the top management of the parent
company. This takes care of all parties connected with it. Notice what is at the end of the
dispute letter -- this sentence: "Notice to the Principal is Notice to the Agent, and Notice to the
Agent is Notice to the Principal." "Principal" in this case not only refers to the parent company,
but also to the entire hierarchy of the Federal Reserve System. Thus your letter to the
superiors is simultaneously, legally, also notice to whoever is collecting.

Question: If I cancel the debt on a card at an institution at which I also have another card, will
that institution also cancel or call due the card that I have not cancelled? Or would other
institutions at which I have cards hear about my cancellation at the first one, and cancel those

Answer: We have never heard of Visa or any other credit institution cancelling, freezing, or
restricting any remaining cards that you have not cancelled, for any other Liberty customers.
The logic is this: even if they learn that you have challenged the illegitimate debt on the other
cards, as long as you're still paying on the one card, why would they shoot themselves in the
foot? It's pure gravy to them . . . so they're not going to stop you from keeping that account
open and continuing to send in those payments.

Question: Is there a
money-back guarantee on
the Liberty system?

Answer: We will
certainly refund your
money if the documents
don’t get delivered to you
for some reason. This
has never happened. But
once they are delivered to
you, either by download

or e-mail, whatever the method, you cannot return them. Now the information is yours. We
cannot control what you do with the information. Nor can we control how the pretender lender
institutions will respond to your filing of the documents with them. Thus once you have
received the Liberty documents, there cannot be any refund thereafter. The good news is,
since 2002, only about 0.1% (one tenth of one percent) of the Liberty customers have asked
for a refund. And their reasons were invariably because they lost courage and didn’t have the
mettle to confront the bankers. That is testimony to the success of the Liberty program.

Question: I do not have any credit cards. My purpose for using the Liberty system is to
cancel my student loan debt. In the affidavit, do I switch the "name of bank" with Sallie Mae or
Nelnet, the loan servicer?

Answer: Yes, thank you for asking . . . we haven't modified the letter or the affidavit for that
purpose. But as you have suggested, just use common sense . . . modify it wherever
necessary. Wherever either document refers to a "bank" or "credit card", etc., just change it
accordingly. It is important that this be your own document, your own wording, because we're
not providing legal advice, or legal services, paralegal services, etc. We're just providing a
product, and the intelligence in it WORKS. So yes, adapt it as needed, without altering the
basic concepts in it, and you should be fine.

As to whether to put the name of the

originator of the loan or the loan
servicer, normally it is best to put the
name of the servicer - the one who
is corresponding with you, sending
you statements, and trying to collect.
This is because, as stated at the end
of the dispute letter, "Notice to the
Principal is Notice to the Agent, and
Notice to the Agent is Notice to the

Question: We are currently working with a debt consolidation company. Can I transition from
them to work with your company? If so, how would I go about this?

Answer: The concept of debt consolidation is contradictory to the debt CANCELATION that

Liberty offers, because it assumes that the debt is valid, and therefore merely negotiates how
to pay it. Hence if you wish to switch from consolidation and negotiation to complete
cancellation and elimination, you will simply have to completely cancel all involvement with the
consolidation company.

It is probably best not to even mention to them the existence of Liberty or its cancellation
product, because the people who do consolidation make their living and their livelihood from
the philosophy that the debt is valid. That is the foundation assumption on which their whole
industry is based. It is an assumption which the Liberty system disproves, which could be
frightening to the consolidation people. When
they are frightened, they will react with any
kind of frivolous arguments to try to refute
what Liberty is doing and discourage you
from doing it. In other words, like any animal,
they will defend their territory. It is sad.

Liberty rises to an entirely higher level of truth

and success. It is at once more freeing,
because it eliminates 100% of the debt, AND quicker, AND easier, AND more successful . . .
100% successful . . . PLUS is usually much less expensive than consolidation.

So being, if you wish to switch, you would have to simply abandon, cancel, and withdraw from
the entire consolidation relationship. Give them any reason you feel is truthful but not too
revealing -- just something vague like "I've found another approach I prefer to pursue -- thank
you very much." Then come back to our website and enroll.

Question: Can the Liberty system aid me in clearing offenses off my credit report?

Answer: Yes and no. Yes, the Liberty system can provide the essential prerequisite to
cleaning up your credit report. The essential prerequisite is to get the debts cancelled. Once
they are cancelled, the Liberty system has done its job. Then you will need to do other things
to clean up the credit report. We are not in the credit repair business. But if you Google "credit
repair", you will find thousands of consulting firms that will help you with that. However, if you
were to skip directly to credit repair, without first cancelling the existing debts, their job would
be nearly impossible. They can't do much to improve your credit score with those debts still
standing there. They need to be eliminated. Then the credit repair is much easier. Liberty

handles the debt elimination. We call it debt "validation", because it sounds nicer . . . we're
giving the pretender lenders a polite opportunity to validate the legitimacy of their so-called
debts. When they can't, then the debts are cancelled.

Question: Can the system handle issues of debit card debt?

Answer: No, because those are not loans or “debt”. Even though the words "debt” and
“debit" are similar, they are opposites. A debit card simply accesses what is in your checking
account. There is no debt to cancel, and the
bank doesn’t even pretend that there is.

Question: Can the system handle debt

issues that have been sent to a third party

Answer: Yes of course, providing they are

the kind of unsecured debts for which the
Liberty system is designed -- as specified
inter alia -- i.e. issued by U.S. institutions, not
secured by collateral, etc. Just because it went to a 2nd or 3rd or 4th party collector means
nothing. It doesn't matter who bought it and who is trying to collect on it. If it was a fraud in the
beginning, it continues to be a fraud. Fraud nullifies debt ab initio (from the beginning).

Question: I do understand this program but I am not sure that I am ready to live without my
credit cards. Some of the companies that I have credit cards with I also have debit cards with.
What assurance do I have that they will not get revenge and close out my checking accounts?
It could take up to 3 months for the negative item to be removed from my credit report. How
can I get my money back if this does not happen. The money back guarantee is for 60 days

Answer: You have asked some good and intelligent questions. The good news is, we have
never heard of any institution raiding another account of the customer to compensate the credit
card debt that they claim the customer owes.

This is due to the strength of the Liberty program. The questions, accusations, and challenges
in the Liberty dispute letter and accompanying affidavit show the pretender lender that they are
caught. If they were to take money from another account belonging to the same customer, they

would be compounding their crime, and they know the likelihood is very high that the customer
would then sue, using the arguments in the Liberty documents.

Against such a suit, the lender could not possibly win. We

suspect that is the reason we have never heard of a single
instance where such an institution went after another account of
the customer to satisfy the so-called "debt".

Further, if you have read these Q&A carefully, you will have
seen that for most Liberty customers, negative entries usually
do not get entered on their credit reports. This is because
copies of all correspondence are sent to the credit reporting agencies, thereby showing that the
account is not in default -- it is in dispute. Until the dispute is resolved, they cannot
designate it as a default.


If you have any further questions not already answered herein,
contact us any time at:
To purchase the Liberty system, go to: