WHAT HAPPENED
Around 1996 I noticed that my family was getting broker by the month and my fear level increased
exponentially. When I had to pay the telephone bill with a credit card I knew we were in trouble. I knew
that the entire credit card game was a scam due to my having read, back in 1990, a book called, Truth In
Money by Theodore R. Thoren. I also knew from my study of A Course In Miracles (ACIM) that nothing
is as it seems. Still, I didn't know what to do about the banks telephoning every day demanding ëpaymentí.
I detected, by the desperation in their voices, that at some subconscious level they also knew that I didnít
really have to pay any credit card debt, I just didnít know how to remove myself from the ostensible
obligation. If I had been truly obliged to pay credit card debt, these callers would have been kinder and just
asked when and how I might be able to send them part of what was ëowingí. Their rage was the tip-off that
they were bluffing.
One day, as I was out running, I burst into tears and was forced to ask my Creator what to do. I knew,
from A Course In Miracles that ëGodí would not put $50,000 on the kitchen table in the morning for me
to pay the credit card bills. I also knew that my real problem was not the fact of the matter, rather, how I felt
about it. As Krishnamurti said, There are no problems apart from the mind. If I could just change my
mind about what seemed to be a problem I felt certain I could resolve it. So I found myself asking the Holy
Spirit, et al, to change my mind about my circumstances.
Seek not to change the world; seek only to change your mind about the world. - ACIM
The next day a woman rang me requesting a session of Rapid Eye Technology (energy healing). Her
anxiety was that the IRS had been confiscating her husbandís veterans benefits to settle her ëdebtí with
them. All I could tell her, from my years of studying $$$, taxes, etc. was, iYou know there is no law
compelling you to pay tax on your income.î She DID know! I was delighted. I also told her, iIf it makes
you feel any better, youíre not alone - the credit card banks think I owe them $40,000. I know that I donít
really owe them, I just donít know how to prove it.î
Lo and behold, she said, iYou just send the letters.î I leapt from my chair - my prayer had indeed
been answered - ask and ye shall receive. She then produced a series of letters, the drift of which was to
request the bank to provide me with three things:
1. validation of the debt (the actual accounting);
2. verification of their claim against me (a sworn affidavit or even just a signed invoice); and,
3. a copy of the contract binding both parties.
I was to write, as soon as I received these three documents, that I would be happy to pay any financial
obligation I might lawfully owe.
The banks canít validate the debt because they never sustained a loss; they canít verify any claim
against me because I am not the NAME they are billing - more on this later. They canít produce a copy of
the contract because one doesnít exist. What exists is an unenforceable unilateral contract. What the banks
refer to as ëyour contract with usí is not a valid bilateral agreement since the four requirements of a lawful,
binding contract were not met on the credit card ëapplicationí, namely:
1. Full Disclosure (we are not told that we are creating the credit with our signature);
2. Equal Consideration (they bring nothing to the table, hence they have nothing to lose);
3. Lawful Terms and Conditions (they are based upon fraud); and
4. Signatures of the Parties (corporations canít sign because they have no right to contract as they are
legal fictions). Credit cards are win/ win for the banks and lose/ lose for everyone else - it is the slickest con
game on the planet.
My writing the letters worked for all but one account. The bank filed suit. I poured over all kinds of
legal nonsense, none of which matters - how we handle banks now works beautifully, yet back in 1996, we
were still fumbling - and so, since the card was in a NAME similar to that of my sonsí father, the bank
came after him. He did not want to go to court and since I regarded this as research, not to mention
adventure, I went in his place. (If youíre not living on the edge youíre taking up too much space.) When
the administrator (aka ëjudgeí) called his name, I stood up and said, iIím here about that matter.î A year
previous I had used a similar tactic when I went to court over a ëseat belt violationí and was promptly
thrown into jail for stating that my name was nowhere on the ticket or the summons. Although I was
accurate, I didnít know the next step. This time I knew what I was doing. The District Court Judge asked
me my name. I responded, iIf I tell you, will I have entered into a contract with you?î He became irate. I
knew I was onto something. He furiously said, iIím going to ask you again; what is your name?î I said
the same thing again and was literally, bodily tossed from court. On my way out I told the bailiff, iI believe
I hit a nerve.î I was ecstatic.
As it turned out, I had indeed hit on the only issue which matters. CONTRACT. Contract Law is the
only law. There is no Constitutional Law, Bill of Rights, Charter of Rights and Freedoms, no codes, rules,
regulations, ordinances, statutes, by-laws, or anything else which most people think of as ëlawí which
applies to free, sovereign people. They all apply only to corporate entities. There is only one law which
applies to us: the law which protects the life, liberty, rights, and property of all living souls. That which
causes us to think that all these "laws" apply to us is the contracts/ agreements we have made, either
wittingly or unwittingly. If there is no contract there is no case. Contract is the law. Contractual Financial
Liability is all that matters; and it must be proven.
