Q. How can this be legal?
A. First off, there are many disclosure issues at hand. There is not contract t and they never told you that there is no money, and, in fact, YOU are actually giving THEM a loan! They conceal these facts every time they send out an illegal credit or charge card. All commerce operates without real money. House Joint Resolutions 192 (HJR 192) of June 5, 1933 forever changed our way of life when the government replaced real money with "Debt Instruments." You are paying the banks and credit companies interest on money or credit that doesn't even exist! It was created out of thin air! Charging interest on something that doesn't exist violates federal and state usury laws. Federal law also prohibits most banking institutions from lending their credit. Any contract that does not have the authority to be created and then ratified is illegal, and therefore void. Non-disclosure and concealment of the entire terms of a contract is illegal, and is one more reason why a contract can be considered fraudulent and void.

Q. How can this be moral?
A. When you learn about the banking system and their fraudulent activities, the moral and legal thing to do is to stop participating in their fraud and walk away from their illegal credit system altogether. You can still use debit and secured cards, and secured loans. The banks and credit card companies are not loaning you money, as you probably already know. They need the unwitting participation of people who have not discovered the truth about their schemes to help them fund their illegal practices.

You can listen to a recording on the "moral issue" by calling 618-355-7377, option #6.

Q. Will I have to do all the paperwork myself?
A. No. The course is interactive. You will download, print and sign the letters. Research has found that administrative and legal correspondence often needs your signature to be effective and binding. You will also mail the letters using Certified Mail.

Q. Do I need to keep copies of everything I send?
A. YES! You should start a separate file for each account you are eliminating. Many people use a manila file folder, or a large 10 x 13 envelope. You will need to keep a copy of everything you send to, and receive from creditors or debt collectors.

Q. What is the difference between the "creditor" and the "debt collector"?
A. A creditor can be the service provider, such as a credit card company or a bank. They are the one a debt is initiated with. A debt collector is a company that buys, or assumes, debts from a creditor. They then try to collect the debts that the creditor cannot collect. In many cases, they buy the debts that have already been "charged-off" by the creditors. When one debt collection agency cannot collect a debt, they may sell the debt to another debt collector.

Q. What happens if I have already made a payment to a debt collector?
A. If you pay a debt collector, you create an agreement, or an obligation, that didn't exist before the payment was made. If you make one payment, you typically have to continue to make the rest of the payments.

Q. What happens if I get a letter from a credit card company or a debt collector?
A. You will almost always get a written response from the credit card company, and occasionally get a written response from a debt collector. You simply fax us the letter to us, then save the letter in your file. We will assist you with the proper response.

Q. What do I say if someone from the credit card company calls me?
A. Callers from the credit card company are usually customer service representatives and are courteous. You simply tell them that your entire account is in dispute. If they ask you to make a payment, tell them that you will resume any payments you owe after the dispute has been settled.

Q. What do I say if a debt collector calls me?
A. Callers from debt collections companies are usually rude, and try to frighten and intimidate you. Since you never had a contract with the debt collectors, you don't really owe them any money. So they try to scare you into making payments, usually by making threats that they can't legally back up.

It is important to say very little, as the collectors are skilled in making you feel guilty and afraid. We provide scripts and letters to use to make the debt collectors stop calling you at home and at work. The script tells you exactly what to say if you speak to a debt collector. You don't ever need to speak with them. You can simply send the letter. We also assist people who want to file complaints with the Attorneys General and the Federal Trade Commission against debt collectors for illegal collections activities. Turning the tables on debt collectors is quite effective, and can be fun and entertaining as well!

Q. If I'm considering bankruptcy, can your program still help me?
A. Yes Q. How does your program differ from debt consolidation?
A. Debt consolidation combines the debts then lowers the monthly payments. Debt elimination is designed to completely eliminate all debts you do not legally owe. (And if the credit card company is using a fraudulent system, you do not legally owe a fraudulent debt.)

Q. Will the program work if my accounts are in consolidation?
A. Your accounts cannot be in consolidation for the program to work. You must remove your accounts from consolidation.

Q. Will this affect my credit rating?
A. Yes. You will have negative marks reported to the credit reporting agencies, such as delinquencies and charge-offs. Negative marks usually do not show up for 90 - 120 days after you begin the program. You can use a "credit clean-up" company to help you improve and restore your credit rating.

Q. How will this process affect my ability to get a loan or re-finance?
A. During the negative reporting phase the opportunity to get a loan or re-finance will be greatly diminished and in many cases completely halted. A credit repair company can be started as early as 3 months into the process, to help dispute and remove any negative marks that are on a credit report.

Q. Will my employer know?
A. Usually only if your employer performs a credit check on you. There is no reason why a typical employer needs to know your private affairs. A debt collector may call your employer to verify your employment, but it is illegal for them to mention they are a debt collector, or to discuss your alleged debt. We provide paperwork and scripts for you to use to cease all harassing calls from debt collectors. In many cases after receiving the letters, the debt collectors cease their collections activities entirely!

Q. Can I use my credit cards or accounts after starting the process?
A. NO! You must also stop any automatic debit or payments that may be on any account in the Debt Relief Course. Once you notify the credit card companies that you have learned of their fraud, and you require proof that their loan of credit is legal, you cannot make any charges to the account. The same reason that you do not legally owe them money is the same reason that you cannot continue to use the account. You cannot continue to participate in their fraud.

Q. Do I need an attorney to use this course?
An attorney is not required. You can retain an attorney if you wish to thru the CCDN headed up by Attorney Robert Lock. The course is educational. It is not legal advice. It is designed to provide you with the education needed to eliminate an unsecured, fraudulent debt by challenging and demanding proof of the validity of a debt with creditors and debt collectors. The Debt Relief Course and Online Resource Library are intended to educate you on the rules, codes, court cases, banking guidelines and laws, debt collections practices, and other education about the money, banking, and credit systems. If you are sued by a creditor or debt collector, you may want to find use the CCDN. We are not attorneys and we do not represent people in court. If you want legal advice prior to beginning the course, you should seek competent legal counsel.

Q. What will my attorney say about your course?
Your attorney will confirm that contracts can be void, or voided, when there are violations of disclosure and a lack of consideration. They will confirm that a corporation, such as a banking institution, are allowed to do certain things by the powers granted in their corporate charter, and by governing laws. They will confirm that a corporation that performs actions they are not authorized to do are performing acts considered "Ultra Vires", and those acts can also be considered illegal. We cannot assume your attorney will be knowledgeable concerning the monetary and banking system, the Federal Reserve System, and the creation of "fiat" (or worthless) money when even many bankers don't have the information necessary to understand how the system truly operates. We suggest you invite your attorney to review the information independently so they can provide you with any advice you need.

Q. Is there a guarantee?
A. We guarantee that our program is not based on some untested theory. This does indeed work, but it is impossible to predict what you will decide to do, or exactly what a bank or court will do, therefore we cannot guarantee your success. However, if you educate yourself to the fullest, and follow the programs and send your correspondence within the timelines suggested, you will have the highest chances possible of success.

Q. Do you have a list of customers for referrals?
A. No, our customer base is confidential. We do not give out or sell any customer information to any third party. To listen to our customer testimonial recording with numerous customers describing their successes, call 618-355-7377, option #4. The 6 minute overview is also available on our website.

Q. Do you offer free consultations?
A. Yes. You can call the Customer Relations Department to answer any questions you may have get back to the person you sent you to this site and they can help point you to the right direction.

Q. How much does this program cost?

1 - 4 accounts: $2600
Single Payment Discount Price: $2500

1 - 7 accounts: $2950
Single Payment Discount Price: $2750

8 - INFINITY accounts: $3850
Single Payment Discount Price: $3600

* QUICK NOTE: To Clear up any confusion the pricing listed below includes the consultant fee. i.e. 1-4 program $2500+1000(Consultant fee) = $3500 see consultant for any additional questions.

Spouse Accounts:

Yes, you can add your spouse’s cards for half price! If your spouse has credit accounts in their name only (your name is not on the account) you can eliminate those accounts for 1/2 price!