Debt collectors have many legal tricks that many have fallen for. Fortunately for us, we were able to sit down privately with many who have developed remedies for the student loan scam system. There are many tricks that they play using legal documents and wording that you must understand in order to have successes every single time. We cant teach it all here...yet. Below we show you our blueprint reference methods.
We have a SECURED, PAID service available privately to eliminate debt. If you want your debt eliminated Guaranteed we have a private company that can service you once your application is approved. And yes, it includes fixing credit report issues.
Due to heavy client volume everyone will not be approved. That's why we release a free method so that you may help yourself. If you have successes on your own...we are hiring talented individuals!!
Please send all requests to: DebtsRus2013@gmail.com -----> Make sure to write your FIRST and LAST NAME in the subject line.
Include the phrase: I NEED STUDENT LOAN HELP
If you have a mortgage issue: MORTGAGE ISSUE.
Please include a brief description.
Debts R Us Research and Development Notes.
Beat Lenders and Banks Legally
Debts R' Us - Loan Shark Blueprint
Private research, investigations and notes.
By: Vincent Warren
(I encourage all who have gained access to my private notes to not only follow my research and methods, but to develop, study, and try their own. Do YOUR OWN INDEPENDENT RESEARCH. It you like any services, interview them. Most importantly, take your time learning this information. DO NOT RUSH. REPETITIVE LEARNING WILL HELP YOU FULLY UNDERSTAND STRATEGIES.)
how I lawfully get out of paying loans.
Rough Draft.
The purpose of this document is to show the methology and concepts behind Vincent Warren and Debts R US.
INTENDED FOR EDUCATIONAL PURPOSES ONLY.
you must stand on your own two feet if you are not apart of the PAID service.
There is no secret to beating student loans.
Many have done it.
Our safe and secure method is a collaboration of the following systems.
This is a free-be for public release:
[THE PROPHETS OF PROFIT ]
Testing Stage 2 of 3 notes.
NOTICE
ATTENTION: THESE ARE OUR PERSONAL NOTES. NOTHING MORE, NOTHING LESS. ANYTHING THE READER ACTS UPON HE/SHE DOES HIMSELF/HERSELF.
Remember those word games I told you the Debt collectors and their attorney's play?
Good.
This Judge exposes it all. He explains how to break down the sentence structure of an attorney's letters/bills/forms and lawsuits to identify what they are REALLY SAYING.
and most of the time it's either lies.... or they aren't saying anything relevant at all.
The ULTIMATE secret of defaulted loans and collection practices by student lenders and associates.
- Listen to this guy Peter I met personally. He got rid of $80,000 in debt and figured out the whole scam
- He has a 4 step process that if you understand it completely makes perfect sense. Took us about 6 months to understand completely how the bank/loan system works. … and his remedy works. Comes free with a premium membership to privatis.me
- Right now debt collectors are scrambling to come up with excuses, and ways to convince and trick me into believing that I really owe them money when the lender SECRETLY ALREADY GOT PAID!
I know you've NEVER heard of this before..and
LENDERS BANKS AND FINANCIAL INSTITUTIONS MAKE MONEY WHEN YOUR LOAN IS IN DEFAULT.
IT WAS DESIGNED THAT WAY!
IT ALREADY HAPPENED WITH MORTGAGES IN THE U.S.A
Check out Coles Credit repair on YOUTUBE!
She made a business out of it.
More Proof!
Here's HOW THEY GET PAID
Conduct your own STUDENT LOAN INVESTIGATION!
Here are some good pointers from people who already won.
She beats her Student Loans because there is NO CONTRACT with the U.S Department of Education. (10:40min)
- The U.S Department of Education aka The Government "guaranteed" all student loans.
- The application submitted when applying for the loan is a traded security and has a CUSIP#
- The security was traded on the securities and exchange.
- Without the security (application) the loan is an unsecured debt.
- The "account" (file information) is then SERVICED by someone else. A third party enters into your affairs with your information. Without your knowledge
- Whenever the loan is transferred they must give you a DISCLOSURE. Truth in Lending Act Regulation Z. (TILA) applies to everything securitized. (car loans, mortgages, student loans)
- (See photo below) Changes in and Disagreements with Accountants or Accounting and Financial Disclosure. www.sec.gov
- http://www.fdic.gov/regulations/laws/rules/6500-1500.html#fdic6500226.6
- Debt Collectors MUST PRODUCE CONTRACTS!
- Where is their written standing? Where is their written authorization to speak to me?
- Without a contract from the original creditor, they have NO STANDING.
- Without it, we don't know who they are and where they are coming from.
Ask them THE RIGHT QUESTIONS
U.S Department of Education will claim that they are not subject to FDCPA. They will claim that they are
"Guarantors"
- Remind them that they are a Servicer of the original loan contract/promissory note and therefore subject to FDCPA.
- Third Party Intervener asking for money = Debt collector.
- Under the FDCPA : The term "debt collector" means any person who uses any instrumentality of interstate commerce of the mails in any business the principal purpose of which is the collection of any debts, or WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER
- DONT fall the the commonly assumed definition of "regularly". The definition of "REGULATE" under law means "in accord with rules."
- MORE FDCPA: Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
What happened to the security of the loan?? (That backed the loan/note) I had an Equity Interest in it and was not given disclosure!! Truth in Lending Act Regulation Z.
Answer:
- Loan/Promissory was sold to a special purpose vehicle derivatives market. It was moved off the books of the original lender and sold. This is illegal and was done without consent and disclosure. It was held in SEC trust. Lender breached the trust and sold the security. FOIA request the servicers/lenders"
- If not an open-book account they do not have the right to obtain payment. Chances are they don't have an open-book. RAT on them to the FEDERAL TRADE COMMISSION! They cashed out on the security tax free!
This is what you need to explain to them if the don't understand the security argument or what a security is
View Part 2
There are 3 parts to a loan transaction.
- Promissory note (your promise to pay the lender back)
- Security (collateral that was given to the lender in order to make sure they got paid back, in student loans its your info on the application)
- The funding
- People who loan money want security.
- They need a way to get paid back. Common lender practices show that the securities are your loan applications. Thats the reason why lenders ask for your ssn# a co-signor and all types of other personal information.
- Securities (which was the loan application) get assigned a serial number called CUSIP number. This would allow you to trace and keep track of the security item held in escrow by your lender.
- The lender was suppose to keep that security on hold for you until you defaulted on your loan. Turns out, they sold it along time ago. The lender sold the security behind your back and didn't tell you. They got PAID off your security! Therefore they breached the agreement.
- The catch is this, If you don't say anything neither will they…
If your lender doesn't have answers to your questions, start talking about the security behind the loan and ask what happened to that pool of securities that were traded. If you have more information than them, and they don't have a come back then you now know more than them, so act like it.
They were supposed to know all of this information before servicing the loan!
If they can't answer your questions then they have NO STANDING TO COLLECT PAYMENT!
Familiarize yourself with:
- Truth in Lending Act (Regulation Z)
- Fair Debt Collection Practices Act
- How lenders/banks/financial institutions securitize loans
- How lenders/banks/financial institutions create money.
- Federal Trade Commission (The people who handle consumer fraud)
Christine Springer has a great website:
He personally beat the banks himself.
Call him up and start talking about all the banking fraud you just learned about. He'll tell ya how he beat the banks himself in court.
_________________________________________________________________________________
One thing we want when dealing with matters is Standing and weight in court. This is a simple method that will get you where you need to be. It will strengthen your appearance when explaining how the lender breached the agreement. Check out RobbbRyder's video below.
_________________________________________________________________________________
*Special Court Application - KNOW WHAT YOU ARE DOING. BEWARE
Debt Litigation
Use method as described in YouTube Video "Claim the Name .before they do.Fictitious Name Registration
RobbbRyder
http://youtu.be/9ljtAOjoC8U
Claim All caps name.
• Presumptive evidence in ALL courts of law
Now in court the judge will throw out because the "other" corporation never signed the agreement.
Publish in the Newspaper for 1 week get the affidavit of public notice.
In Court/Commerce bring up contract issues.
In commerce both parties has to be in agreement. Bilateral contact both corporations must sign agreement. (As opposed to a unilateral contract)
Get it into the court of record. A file for fictitious name or a place for public record.
Test case phone call.
• Taking Clues From Ancient Books
Talkshoe.com
May 9th with Juan
______________________________________________________________________
Present Debt Collectors with KNOWLEDGE AND DATA. If they have not provided you with facts or proof of the contrary then move on. Debt Collectors won't answer your questions because they CANT!
1:55 she explain world assets
2:02 she talks about world banks and federal reserve sending people inaccurate financial statements. (Errors on statements)
Trickles down to the accounting
2:05 there is a cover up. And the people who are supposed to be ending cover-ups are part of the cover up.
Ann Bernhardt YouTube.
Learn about the bank problem @ 14 min and continue on to part 3
She explains how the federal government forces banks NOT to follow GAAP (Generally Accepted Accounting Principles)
This reflects in the off balance sheet transaction with banks. Shown earlier.
Hold them to the original accounting!
Hold them accountable!
TO BEAT LOANS YOU MUST KNOW WHAT YOUR TALKING ABOUT AND HOW TO ENFORCE AND DEFEND YOUR POSITION IN COURT
Secrets of Novation:
A Novation contract gives consideration and re-writes the terms and conditions which stipulate the original contract terms. Once they cash the check, they agree to the terms and conditions of cashing that check.
Novation is a related process to eliminate credit card debt is available through the UCC. This is an educational program that teaches you how to use the diverse administrative processes of the UCC Two choices!
This surprisingly simple process of debt elimination uses the same principles as the credit card company often uses to change the contract without you noticing.
Eliminate Credit Card Debt by Novation, creating a new contract to replace the first
Where's MY BAILOUT? Breaking News!
We've found that a quasi-governmental agency can be a useful facility to eliminate debt after all. We can use the IRS to stop foreclosures, get out of debt and get refunds and clear the debt on homes of our clients. And much more: utility bills, eliminate
credit card debt,
car payments, student loans, taxes. The list goes on. Check it out at
Bailout for the People! A Bailout for You!
|
PURPOSE AND PLAN FOR CREDIT CARD DISPUTE AND NOVATION CONTRACT OFFER
Purpose: It is the purpose of the credit card dispute and Novation Contract program to eliminate credit card debt and to clean up your credit record using procedures permitted by contract common law, the Uniform Commercial Code, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
NOVATIONS UNDER THE LAW
A Novation is a new agreement and is recognized in the law. The definition of Novation from Bouvier’s 1856 law dictionary illustrates:
NOVATION, civil law. 1. Novation is a substitution of a new for an old debt. The old debt is extinguished by the new one contracted in its stead; a novation may be made in three different ways, which form three distinct kinds of novations.
2. , The first takes place, without the intervention of any new person, where a debtor contracts a new engagement with his creditor, in consideration of being liberated from the former. This kind has no appropriate name, and is called a novation generally.
Your Novation Contract substitutes a new debt (zero) and a new engagement for the one claimed by the credit card company.
EVERY credit card company uses the novation contract process. Any time you get a Notice of an update to the terms and conditions of your credit card agreement, this update is in fact an offer to enter into a novation contract (a new agreement). When you use the credit card after receiving the new update, you have agreed to the new terms. Your act of using the card is an acceptance of the new agreement. How else could they change your credit card agreement? Insurance companies use this also, such as when you have a claim for $20,000 for damage and they send you $3,000.
YOUR CARD DISPUTE AND NOVATION
You can use the same process to enter into a new agreement with a card company, under your terms and conditions, by making the company an offer, which it can accept with an act. Simply, you send the card company a check for some amount, say $25, with the stated condition that by accepting the check, it agrees to your new terms and conditions (your Novation Contract). When the card company accepts the check by cashing it, it has agreed to your new Novation Contract. And you eliminate credit card debt in a simple, legal procedure. Get out of debt by using their law to your advantage.
Your notice of debt dispute and Novation Contract is designed to do the following:
(1) Bind your credit card company to the terms and conditions of your Novation Contract which include but are not limited to:
a) the cancellation of any and all prior in-force agreements;
b) its admission that the debt and all prior agreements are now paid in full;
c) its waiver of all claimed right of arbitration against you;
d) its obligation to report the account in dispute as “paid as agreed” to credit reporting agencies;
e) its agreement to not take any collection activity against you and to inform any assignees of the account that it has agreed that the account is “paid as agreed”;
f) the requirement that it verify under oath the amount of debt you allegedly owe in any correspondence to you; and
g) its agreement that any breach of the terms of the Novation Contract by them will injure and damage you and that it will be liable for all damages;
(2) Upon notice, bind any and all collection agents of your credit card company and third party collection companies to your Novation Contract;.
(3) Establish a legal basis for a claim of zero liability for the disputed credit card account;
(4) Establish a legal basis for declaring invalid any and all allegations of debt made against you that are associated with the credit card account and sent through the U.S. mails;
(5) Establish a legal basis for claiming injuries and damages should the credit card company or any collection agency breach the terms and conditions of your Novation Contract; and,
(6) Destroy any legal basis for the credit card company or any collection agent to ignore your card dispute and Novation Contract by your:
a) choosing and using a procedure permitted and recognized by contract common law, the Uniform Commercial Code, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act;
b) establishing the card company’s obligation and third party collector’s obligation to verify under oath the amount of any debt they allege you owe;
c) removing any controversy between your demand for verification of any alleged debt and any and all presentments by third parties containing unverified allegations of debt against you; and,
d) removing any presumption that you willfully avoided a known debt.
LEGAL CONCEPTS BEHIND THE CARD DISPUTE AND NOVATION OFFER
1. In every legal dispute, one side is considered to have the "presumption of truth" and the other side is considered to have the "burden of proof". As an example, if a person is accused of a crime the law presumes s/he is innocent until the accuser proves s/he is guilty of the crime beyond a reasonable doubt.
2.In contract law, the presumption of truth says a party is presumed to have entered into a contract (in this instance entered into by an implicating act) knowingly and willingly and for an exchange of adequate and sufficient consideration.
3. It cannot accept the benefit of your offer without accepting the obligations of your offer. This doctrine is set forth in cases, Aetna Inv. Corporation v. Chandler Landscape and Floral CO., 227 Mo.App. 17, 50 S.W.2d. 195, 197 and In re Larney’s Estate, 148 Misc. 871, 266 N.Y.S. 563.
By sending your Novation offer and notice of your card dispute:
A. Your contract is supported with adequate and sufficient consideration in the form of a check made to your credit card company for an amount between $25.00 and $100.00;
B. You detail with clear language the consequences of the card company accepting your offer;
C. You declare the legal basis for claiming zero liability for the account or for any debt alleged through a prior agreement once your offer is accepted; and,
D. You state the adverse consequences to the card company of any collection activity that does not contain sworn verified proof of your obligation as a debtor.
CREDIT CARD COMPANY RESPONSES
To verify proof of your alleged debt liability, the collection entity must provide to you verification by sworn statement of the amount of lawful money loaned to you and that the claim, demand or request arose from a contract which supercedes your Novation Contract. It is further noticed that pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Sec. 1601 et. seq., and the terms and conditions of your Novation Contract, that any collection attempt by it or any agent that does not include the verification of debt conditions will result in breach of your Novation Contract and an admission by them that you have no liability regarding the account in dispute.
You will probably receive a response that will constitute an invalid response, and therefore a default and a breach of your Novation Contract, thereby setting the card company up for your claim of damages against it.
CLEARING UP YOUR CREDIT REPORT AND LEGAL CONCEPTS BEHIND CREDIT REPORTING BUREAUS’ FIDUCIARY DUTIES
The Big “3” credit reporting bureaus, Equifax, Experian and Trans Union, keep personal information on your credit worthiness. They are a “third party” supplier of that information and have not only a legal duty to assure its accuracy but a fiduciary duty as well to maintain the information accurately. This fiduciary role is your friend. Once it is established that your credit card company has knowingly and willingly entered into a Novation Contract with you, you have a legal basis for requiring the bureaus to designate your account with the credit card company “paid as agreed”.
You send out a Sworn Notice with verified evidence along with a demand to the reporting bureaus that they must remove all negative information from their records unless the credit card company can provide the reporting bureau with VERIFIED proof that your Sworn Notice to it is false or inaccurate. This never happens as you have already established and shown the reporting bureau that there is no evidence available or forthcoming that would overcome and outweigh the evidence of the Novation Contract.
As a consequence of the fiduciary duties of the reporting bureaus under common law and their obligations under the Fair Credit Reporting Act, the credit reporting bureaus are under a legal duty and obligation that if they receive no verified evidence to overcome and outweigh your Sworn Notice, to designate in their records that the account with the card company is “paid as agreed”. They must do this no later than 30 days after they receive your Sworn Notice.
ATTENTION!
This purpose and plan document is not legal advice. If you want legal advice see a lawyer, better yet, buy a lawyer. The documents discussed here carry no warranties either express or implied. The documents referenced herein are served upon the respondents identified in same under your oath and seal and are sent out with your autograph attesting that the facts, statements, claims, laws and conclusions of law cited therein are certified by you to be true to the best of your knowledge and belief under penalty of perjury
[PROPHETS OF PROFIT]
[PROPHETZ OF PROFIT]
[AUTHOR: VINCENT WARREN]
