-2 votes

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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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

Which "LAW"

are they "breaking"? And if this is so cut and dried, how is it that 45,000 judgments are awarded AGAINST consumers every year in my local courthouse alone? You'd think that SOMEBODY might be able to use that "Law" you are talking about to defeat the beast.

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

I don't care how you ~think~

they do it. They do it. If you don't like it, stop using it and figure out another way to purchase things. It really is that simple.

What would happen if the credit card companies used the strawman NONSENSE to their advantage? If it dawned on them that the easiest way out of this hole is to pull all credit from everyone and stop all payments. Evictions, bankruptcies, families would go hungry, etc...

Do you know what kind of mayhem you are attempting to flirt with?

And you can't justify this morally, although you can keep trying (for another two years... lol)

Yes...complete nonsense..

...yet I am amazed at how he can type with both arms having been twisted off by the credit card companies that made him take their plastic.

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


thank you for making sense

so many deadbeats looking for a way out.

I'm going to pass this along

I'm going to pass this along to someone I know who is having credit card difficulties.