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Here's the Absolute Magic Bullet for getting credit card collection agencies OFF YOUR BACK!

Scroll to the bottom of this page and click on "Debt Validation Letter"; it's a word doc that you fill out.


If something is in CAPITAL letters, you replace it with CAPITAL letters.

First you'll need to go to the post office and get a certified mail sticker/label and a signature return receipt (solid green color) that will be returned to you with the signature of who ever received your letter. This is your proof they received it.

The certified mail label (green & white label) will have a number on it that you will type up top of page 1 of your letter.

Make 2 copies of this 5 page letter; keep one for yourself. Make a copy of the letter the credit card co. or collection agency sent you and use it as the cover letter in your packet; it will be paper clipped to the other 5 pages.

Take the letter and get it notarized and mail it off. The day they receive the letter, you'll never hear from them again.

Absolutely guaranteed to work 100%. I've personally used it on 3 different cards, and here's their reply:

******************** CRICKETS ********************

They will make your collection account disappear; they will avoid you like the plague; you've just busted them in fraud and they know it. They cannot dispute your claim, it's impossible. If they can't dispute your affidavit point by point within 30 days, you win. It's over.

Try it, it works with tactical precision; deadly, deadly .......... DEADLY!

My friends have used it with 100% success too. Once you send this letter to the agency trying to collect from you, they will instantly make your collection account disappear.

One note: You can't send this to the original creditor/credit card company, you've got to wait until the account is sent to a third party debt collector. I remember hearing Dave Mack talk about that one night on one of his discussions, but don't remember the exact specifics of it.

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Sure it is.

...but it might not have a driveway...or a nice paint job...other than the name "FIDO" over the door...

Wha? .....hey....who stole my country?

I didn't post this to encourage people

not to pay their bills and be 'deadbeats' as some below have suggested.

But, if you're in a bind with your credit cards, and it's tearing your world apart financially because they're killing you with accruing interest that's driven your original $500.00 balance up to $4500.00, and it's tearing up your credit rating; you can't possibly pay the debt; you're getting eaten alive with 25 phone calls a day; letters in the mail; they're calling your friends, family, boss and second cousin on your mothers side that you haven't seen since you were kids trying to collect this debt, then this is remedy for you.

Lets face it: These credit card collection agencies literally rip peoples lives apart with their collection activities. They will make your life beyond miserable; they will hound you to the point of suicide, for YEARS and YEARS.

If you can pay your bills then by all means do so. If you can't pay the bill; it's impossible to pay the bill; and there's no end in site, then why not just stop the harassment in your life and make them leave you alone?

When I sent this letter out to a few credit card collection agencies, it put an immediate stop to the hounding; and I don't mean they slowed down a little; I mean they ALTOGETHER FORGET MY NAME AND NEVER CONTACTED ME AGAIN!

I was getting 20 phone calls a day from one of them. I mean it was literally every 30 min. on a few different phone lines. I decided to put a stop to it.

I sent this letter to them, and it was like magic... POOF! they were gone. Do not pass go; do not collect $200.00; and do not contact me again, or I'll start taking your money with every incident.

Do what you will.


your link does not work

Why don't you just copy the word doc and post here?

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So tell me...how are you avoiding "service of process"? The FDCPA certainly provides for relief from abusive practices, but this usually only quickens its translation into the inevitable court date...albeit it sometimes can delay it by allowing for the sale of the debt to a more legally aggressive collection attorney/agency.

Wha? .....hey....who stole my country?

I see what you're saying and I agree- in those circumstances

I would probably turn tricks to feed my family- but before I did that, I'd likely not pay my credit card bills. When it comes to survival you need to prioritize how you spend your money. There are increasingly more "worst case scenario" cases like you mention in this economy. The rate of homelessness is an obvious indicator. The whole issue rests on how any given individual defines "worst case scenario". May be a generational thing. My generation had more wiggle room to get out of debt by living on Top Ramen and watching borrowed VHS movies until the smoke cleared- this generation of credit victims are having a hard time finding ONE job, let alone a 2nd. For me the only way I could have learned responsible stewardship with my money was to be placed in a situation where I was forced to pay that $4500.00 for a $500.00 couch (that I knew damned well was going to happen eventually)- I take REALLY good care of that couch now, and think twice about how much I need the chair. It had little to do with the crappy deal the credit card co. gave me (that I agreed to)and more to do with my own schooling and growth. But again- it's a different world than when I was in debt. I just had to suck it up for 18 months. There are a lot of people who don't have the luxury to suck it up these days. As for those who just want to game the system because they want to wiggle out of personal accountability to free up some cash to go see Charlie Sheen- they are doing themselves a great disservice in the long run because in the end all we have is our word.

This iussue burns my butt

This iussue burns my butt when I hear someone say you are trying to get out of your moral obligation. Moral obligation to what? Pay for my own enslavement? No Thanks.

Credit card companies pretend they are putting up cash when they pay the merchant on a credit card transaction. They are creating an electronic transaction (money out of thin air) to pay the merchanst and have no skin in the game. They do not tell you this upfront. THIS IS CALLED FRAUD AND THEY ARE BREAKING THE LAW.

I have no problem if someone has been scammed (99.9% of the credit card population has no idea this takes place) and decides to screw them back.

There is no Left or Right -- there is only freedom or tyranny. Everything else is an illusion, an obfuscation to keep you confused and silent as the world burns around you." - Philip Brennan

"Invest only in things that you can stand in front of and pr


You just stole... from yourself. Why are you copying and pasting from yourself in the same thread?

"Credit card companies pretend they are putting up cash when they pay the merchant on a credit card transaction"

Does the merchant get paid? With what? What can the merchant do with that type of payment? And what exactly are the card companies pretending? Do they have a fake mustache? Isn't cash just credit? So you think everything is a fraud and want to start your fight with the credit cards? Someone must have a lot of credit card debt... lol

dont play dumb f-buzz. You

dont play dumb f-buzz. You know how the banks get the "money" to the merchant.

Scenario time:
"I will pay $1,000,000 to the first person that can get me the social security numbers of 10 people that make over $64,200 per year, and have a credit score over 780...you tell ten people that you will lend them $10,000 at 19% interest with a payoff in 2 years, and all they have to do is give you their SS number. They agree, you take their info, give it to me, I give you $1,000,000. Now, you go and pay each one of them $10,000, and start collecting payments and interest immediately."

Whats wrong with this scenario?? What element(s) is(are) missing from the 4 required for a valid Contract??

Understanding, Intent, Acceptance, Consideration.

In the above scenario, you are lending something that you don't have. The ONLY way you get the money to lend them, is by their actions...I didn't even add the part about what I will do with those numbers...I also didn't point out that although you paid out $100,000, you also got to keep $900,000 to invest how you see fit.

Some scam huh??

This is similar to how these credit cards work. The banks are not lending their own money, they are lending the borrowers credit worthiness...these banks ARE NOT injured if they aren't repaid. The merchant received their money, and the fed will simply press a button to cancel zeros, or one of these corporations will use it as a "write off", or whats known as a "charge off". You see, it is consistently in their best interest to "lend their money".

Next time they call ask them flat out..."Can a national bank legally lend credit?" OR "did you lend me credit or money?"


Your example, while interesting and indicative of currently legal mercantile activity, doesn't hold water given that valid contracts are defined by Offer, Acceptance and Consideration. Intent is implied in the offer and understanding is implied in acceptance. Besides, our elected officials have made this an acceptable methodology.

As to injury, try asking WaMu and its past employees (or a host of others and their employees) whether or not it was "injured" by defaults. (Yes I know that the real fat cats are never injured as their rewards for "speculative craziness" are not revealed...but the entities were certainly injured...to death).

I'm not defending the system but, you are playing in a semantics cesspool...one in which your hands and legs are tied. I don't think that you'd find anyone, knowledgeable about fractional reserve lending, that would be able to defend it as "good" for the people without acknowledging the dirty underbelly of inherent inequity in the "trickle down affect".

Wha? .....hey....who stole my country?

I think you misunderstood

I think you misunderstood me...I wasn't saying that all 4 elements were missing...rather I was pointing out that Consideration, the easiest to prove, was!

I've been through this for YEARS, I have friends at Visa, Bank of America, and Wells Fargo...and I am 100% right, without question, and the banks know it.

Try what I suggest. Get a manager of one of the collectors to say that they lent you money! WONT HAPPEN. Get a manager to tell you that National banks can lend credit! WONT HAPPEN. they are trained to NOT answer those types of questions...

Where are the Creditors and Bank workers?? come forward.

The banks rely ENTIRELY on the customers volunteering payments to keep their credit scores.
If you dont pay after their scare tactics, they sell it to another company and simply charge it off. They destroy your credit score to punish you.

Some of these banks REFUSE to use dollar signs on the amount owed.
example "amount due 356.23" look at your "Statement"...this is another one. You will only ever get a "statement" from a bank for credit, you will NEVER get them to send you an "invoice", ask them WONT HAPPEN. One is a legal document, the other is merely a statement.

Tell your credit card company that you will pay your credit card off in full tomorrow if they can send you a signed invoice, not a statement, showing how much you owe.

These are all lawyer tricks to keep them from demanding money that they did not lend, which if they did demand it could amount to Criminal penalties.

I wanted my post to be seen

I wanted my post to be seen rather than near the bottom. Bad move on my part. Can you remove the handcuffs from my wrists please? LOL

There is no Left or Right -- there is only freedom or tyranny. Everything else is an illusion, an obfuscation to keep you confused and silent as the world burns around you." - Philip Brennan

"Invest only in things that you can stand in front of and pr

The FDCPA...

Is rather distinct and hardly puts any onus upon the creditor, or his agents, to "answer" most of this crap. And it certainly doesn't allow for "silence as acquiescence" to serve as some sort of proof certain that the debt is somehow fraudulently obtained or in any way "false".

What it does is codify how debt collectors must act with consumers when engaged in their business. As to the validity of a debt...well...that is what court is for. All the debt collector is obligated to do is send proof of the debt before bothering you about it again, and what constitutes such "proof", and the debtor's umbrage with it, can be argued....umm...in court.

The problem is, most people (eyes roll) who get a credit card, sign a contract before they receive it. The fine print, however onerous, defines the responsibilities of the user to the creditor and makes no reference as to whether or not the money that "created the debt" was printed out of thin air or was flipped from daddywarbucks front right pocket.

Just pay your bills or file for protection from your creditors.

Wha? .....hey....who stole my country?

To those who say this is dishonest

The WHOLE SYSTEM HAS BEEN DISHONEST SINCE 1933. Isn't the fact that they routinely and knowingly break every of the many laws called out in the letter proof enough of this?

Playing the game honestly only furthers the dishonesty. Two negatives make a positive.

Cracks me up when people say

Cracks me up when people say "say your debts" with what, more debt? Everything is a debt. As long as people continue to be the slaves and whore their labor for free, the fraud will continue. Battle them and win!

Google Walker Todd Affidavit, read modern money mechanics, go do some studying before you make assumptions that people need to pay debts with debt.

These letters, debt collectors will sometimes walk on so one needs to know how to enforce.

What a bunch of tripe!

Honest men and women suck it up and PAY THEIR DEBTS! Get a second job. Work some overtime. To ask someone to be a dishonest broker just because you say they can get away with it is like leading a lamb to the slaughter. Get you dishonest, freeloading butt off The Daily Paul and get an honest job.

True, but as long as main

True, but as long as main street needs to pay back their debts, don't you think Wall Street ought to be responsible and pay back their debts too?

Of course, paying contractual obligation is essential

If Wall Street and everyone else breaks there word, that does not give me permission to break my word.

Free includes debt-free!

Exactly. They need to be accountable as well.

"If the pastor did't burn the book (we all agreed that it was his legal right) - those animals wouldn't have been forced to kill innocent people"

"If she didn't wear that miniskirt and dance- (we all agreed that it was her legal right)- the rapist wouldn't have been forced to attack her."

"If the credit card company wouldn't have tempted me with the prospect of immediate ownership at an outragous interest rate-(we all agreed to the terms of their contract)- then I wouldn't be forced to reneg on my end of the deal."

Seems to be a common theme. I don't see where any of that aligns with what Ron Paul says about personal accountability.
Get out of debt the right way if you can- then never buy anything on credit ever again if you believe the system is evil.

There's been a few times in my life when Ive had to

get a second job to pay down credit debt- and have also had to deal with collection agencies (calling my work etc) but I lived through it. Just part of life- BUT if you honestly feel like you've been skewered legally into debt that you didn't agree to (even in the fine print) then by all means use every tool at your disposal to get out from under. Not sure I agree with the whole "I needed new furniture and agreed to 34% APR, but now the novelty has worn off my purchase and THEY'RE SCREWING ME FOR 34%! THAT'S ROBBERY!I'M NOT PAYING!"- that thought process is pretty immature.

Thank you

"I needed new furniture and agreed to 34% APR, but now the novelty has worn off my purchase and THEY'RE SCREWING ME FOR 34%! THAT'S ROBBERY!I'M NOT PAYING!"-

But this is what we are dealing with here in this thread.

Yea..I'm with ya there....

...damn personal responsibility can be a bitch.

Wha? .....hey....who stole my country?

The way to get collection agencies off your back...


If you borrowed money on your credit card, than why do you think you shouldn't have to pay it back???

This article should be at the Huffington Post - Not the Daily Paul because unlike LIBERALS, most LIBERTARIAN thinkers BELIEVE IN PAYING YOUR DEBTS.

That is why the U.S. government is in so much trouble - they have spent much more than they take in.

"We have allowed our nation to be over-taxed, over-regulated, and overrun by bureaucrats. The founders would be ashamed of us for what we are putting up with."
-Ron Paul

Let me see...

1. They create "money" (really just credits) out of thin air (which would otherwise never have existed) via your signature
2. They never sign or risk anything, yet they get fabulously wealthy and powerful at your expense as you struggle to pay them back at loan shark rates while they continually devalue the "money" (credits) you've "borrowed"
3. The people you used this credit with got credited with your "payment" of made up "funny money" so they're none the worse off even if you "default"
4. They've devalued this so called "money" to the tune of 96% over the last century

And so on...

And you want to cut them some slack?

In a real world common law system of hard money, yes I'd agree with you 110%. But in a rigged system of made up ones and zeroes on some computer screen in some building far, far away that only the "privileged" have access to... No.

Let ME see...

1. You agreed to let them create money out of thin air (which they have the legal right to do...per your benevolent government) so you could get some "stuff" that you want and couldn't obtain with what was in your pocket. And yes, YOUR signature enabled them to do this...to some degree...for YOUR benefit.

2. They made offer and defined the terms of that offer and what the offer deemed as legal acceptance (your signature) which you foolishly gave them cuz you really wanted your "stuff". "Risk" can be defined in many ways and just because you don't now like the level of their risk in the transaction, since you now know more about it and therin see inequity, ain't worth a hill of beans...especially since you got your "stuff" when you wanted it and deemed your "risk" to be acceptable when your "stuff" was all shiney and new.

3. What's yer point?

4. I know...it sucks.

Until we return to real money and remove the system in place, this is what's what...and for as long as you agree to get "stuff" in this manner...your assets should be at risk. No I don't like it...but the alternative (that you seem to advocate) would hardly be "equitable" as it would inevitably roll downhill...and affect YOU by either ending your business or your JOB whichever it is that you rely upon.

Wha? .....hey....who stole my country?


It doesn't get anymore clear than that

True, and nowadays a lot of

True, and nowadays a lot of people are buying groceries and other staple necessities with credit cards just to keep going since food and gas prices have sky rocketed. Would regular people, even the gainfully employed, need to resort to credit for these things if inflation wasn't so out of control?


That would depend upon their other spending habits...

sorry..not being toooo snarky...as I am just as pissed about inflation as you are...

Wha? .....hey....who stole my country?


It is clear you have never been operationally involved in a business. If you were, you would know that businesses create credit out of thin air every day. Just because they create something out of thin air, doesn't mean you have to take their "air"

If you were able to use their air to buy something, then you owe them payment. If people accepted your "air" as payment, you wouldn't need credit card "air"

Unfortunately, businesses think credit card company "air" is worth something, so they provide you goods and services for the trade of that air. On the other hand, the same business would see no value in your "air" and therefore would not give you any credit because your "air" is worthless.

See what I am getting at? If you want to make a point that creating credit is illegal, that is fair, but good luck shutting down everything the federal government has ever done. Using their credit to load up on goods and then use this nonsense to claim you are free and clear while everyone else eats the cost is bullsh*t and exactly what a deadbeat would do. Did Ron Paul teach you anything? what about personal responsibility?

Nothing more than deadbeatery


Well put...from a business owner who has had his "air" stolen many times.

Wha? .....hey....who stole my country?

Credit card companies pretend

Credit card companies pretend they are putting up cash when they pay the merchant on a credit card transaction. They are creating an electronic transaction (money out of thin air) to pay the merchanst and have no skin in the game. they do not tell you this upfront. THIS IS CALLED FRAUD AND THEY ARE BREAKING THE LAW.

I have no problem if someone has been scammed (99.9% of the credit card population has no idea this takes place) and decides to screw them back.

There is no Left or Right -- there is only freedom or tyranny. Everything else is an illusion, an obfuscation to keep you confused and silent as the world burns around you." - Philip Brennan

"Invest only in things that you can stand in front of and pr