Debt Discharge Services
Where the law is used to your advantage

Do-It-Yourself!

This section will be very long as many items need to be gone through to give you a thorough grounding in understanding what is going on and where You stand in the greater scheme of things. We will start with the basics which is ...

You and the Power you have

You, as a Being inhabiting a body (the two are very separate), are very powerful and is what makes the World of Commerce tick. Without You there would be no commerce, no one making money, no corporation fleecing you and making billions off of you and many millions of other powerful Beings (other people).

The majority of us have been put through a public school system designed to extinguish any spark of creativity, inquisitivenes, awareness of an external source of energy and intelligence and to squash our innate abilities which are many. And there is a reason for that - awareness of Who you are and the enormous Power that you are capable of wielding is a threat to those who make money of off your ignorance of these facts.

Here are some lies that we have been told in such a way that we believe them to be true:

1. Time heals all
   It does not. It takes up to 7 days for a physical or mental trauma to lessen to the point of being able to function nearly as well as before the trauma occurred. After this, the trauma is internalized and goes into the cells of the body and either lies dormant until revisted consciously, or starts to cause 'health issues' as the cells try to assimilate the trauma and fail over time to do so.
2. You need to adapt or adjust to your environment
   By doing this you are at the effect of other things and people and have things happening to you that you feel you have little to no control over. You get pushed around. 'Adjusting to one's environment' makes an individual very unhappy and eventually one's health will start deteriorating. Why? Because you thrive when You 'adjust and alter the environment' to your liking. You are then in charge of your life and cause things to happen. You don't get pushed around easily, if at all.
3. Ignorance is bliss.
   Ignorance of the law, for example, and the lack of knowledge in this area is what has caused you to have issues in the area of finance, as the two are closely linked. Ignorance of how your body works leads to incorrect decisions being made in the area of health that can ultimately kill you. So, far from ignorance being bliss, it is one of the most dangerous things to allow into your life. Become more informed about the areas that matter - health, law and human potential. To find out more about sources of information in these areas go to the resources page of this site.

These are just some examples of many. No doubt they can be added to by others. So what has this got to do with what you are trying to accomplish with your situation? These are examples of being lied to intentionally or otherwise. And the same is happening in the world of finance and government.

In the world of finance You are the true Creditor and you are certainly not the debtor like the banks and government officials would have you believe. It's time you start understanding that and stand in that strength. Because without You and millions of others like you the world of commerce wouldn't exist.

So where does it all start? It starts with a contract - most of the time and you agreeing to it by autographing your name to it or electronically agreeing to an agreement by clicking a checkbox. I say 'most of the time' because sometimes you get tricked into agreeing to a contract, verbal or written, without you realising it. The government does a lot of that.

And where can it end up? In court, because you failed to fulfill your duties according to the contract. But here's the key - courts only get involved when there is a controversy. So how do you avoid that? By agreeing to fulfill the duties laid out in the contract IF the other party (the debt collection agency, bank, etc) can provide certain proofs (which you know they do not have or no longer have) that you stipulate in your response when agreeing to fulfill your obligations (to pay).

I will now give you a real-life example. My father's credit card that had a debt of over £18,000 on it. He had been arguing with the credit card company for 4 years before I came along and got rid of this debt with one letter using the 'I'll be very happy to pay IF you can provide me with ...'.

But first let's see the letters sent by the bank and the debt collector - these are called Letters of Novation, which is a requirement under the law (though they are now getting around this by the debt collection agency saying they are 'working on behalf of the holder of the debt'):

Back then in 2013 this was standard to do. Now, not so much because more and more people are cottoning on to how to deal with these situations.

So we have one party, the Bank, stating that they have sold my dad's debt to Lowell Portfolio 1 Ltd. This means they have been paid and have now closed the accounting, and the account, at their end.

Lowell wrote to confirm what the bank said and also admit to purchasing the debt (very important) and now want my dad to pay them what is allegedly owed (allegedly, because the debt has been paid off by Lowell themselves as they have paid the bank money to take it off their hands.).

Now the fun begins! Have a look at how cheeky I was (I wrote this letter that my dad sent). You will see many elements here so lets go through it step by step:

In paragraph 1 & 2 I rub their noses in it, twice no less(!!), by letting them know that I know what has happened and I cheekily congratulate them on what they have done.

In paragraph 3 I let them know that I only had a contract with the bank and not them. I then tell them in no uncertain terms that I don't have any contract with them and if they think I do then they have to produce it. I get around what the statutes say (about debt collectors being able to do what they do) near the end of the letter. But we're not there yet!

Paragraph 4 is where the 'I'll be happy to pay IF...' bit comes in which removes the entire situation out of the realm of a potential court case. I have removed ANY controversy by agreeing to pay IF they can come up with an original contract signed by someone at Lowell and my dad, which I know they don't have.

One important thing needs to be mentioned... NEVER admit to anything.

ALWAYS use the word 'allegedly' or 'alleged'. Whichever word fits the grammer of the sentence you are writing. This is a creative process so don't be rigid in your responses and copy word for word what I have written for my dad. Get the idea or gist of it and adapt the concepts shown here and put it across in your own style. In other words - Make this letter writing process your own!

In paragraph 5 I mention a Courtesy Notice. This is something I had known about and it was created by an ex-lawyer. I do NOT use it now, and would NEVER advocate using it AT ALL (that lawyer is in jail now because of this document) as its overkill. Back when I wrote this letter I used EVERYTHING at my disposal and this Courtesy Notice was one of the things I used. The Courtesy Notice boils down to 'this is how much I will charge you in silver if you go ahead without providing me with what I require to move forward in this matter.'

Paragraph 6 then starts ... and continues below.

Paragraph 6 again talks about a contract between my dad and Lowell and this time removes consent to being contacted without one. But there is one aspect in this paragraph that is very important - the Recission of signature or Revocation of signature that is mentioned here.

In law, the concept of revoking one's signature (also called recission of signature) is important and is a right that you always have, regardless of what is said in various websites that give the impression that it can only be done if certain criteria are met or if it's done within a certain timeframe. This is not true. You can revoke your signature at any time and normally happens when you have found out something about a contract that was not disclosed before you signed it. Here, it is being revoked because the debt has been sold to another party and you are removing it so that you are protected in not having to perform on the contract with a third party interloper.

You need to be very 'in your face' with these people. You cannot have a meek attitude in standing up for your rights and hope they'll go away if you are nice to them. They are the wolves in society and they will eat you up (take you to court) and spit you out (get your stuff to the value of what they think you owe them) if you give them ANY leeway. Hence the harshness. 'Take No Quarters' very much applies here (John Wick Chapter 4)!

Paragraph 7 is the icing on the cake. Do you remember earlier in the page I mention that I will be dealing with the statutes that they will try to apply to this situation later in the letter? This is where I do it. I believe I am the only one in the internet world that brings this waiving of one's right to be recognised as a person or PERSON before the law into the equation. Here is how I discovered how to write this bit.

Many years ago I read the Universal Declaration of Human Rights which is a very, very interesting document. You can read it on this website here or go to the page for it on the 'net here.

In the first paragraph of the Universal Declaration of Human Rights it talks about the human family.

In the second paragraph it expands that and talks about humans and mankind, finishing off with 'the common people'.

In the third paragraph the word 'man' (as in the Race of Man) is used as well as the words 'human rights'.

In the fitfth paragrph it talks about 'the peoples' and 'human rights' and for the first time uses the term 'human person' but also includes the words 'men' and 'women' in the same sentence, which is a bit odd, don't you think? So here they have begun transitioning from real men and women to fictional entities (person). But its interesting that they go to the fictional entity and back to the real world (men and women). But they have planted a seed...

In the eighth paragraph they go back to talking about 'peoples', then 'individuals' then back to 'peoples'.

Article 1 talks about 'human beings'.

In article 2 they introduce the word 'person' again.

In article 3 is where everything about the 'person' is stated. No where do you see the words 'men', 'women', 'people', 'mankind', etc. But it is very oddly written:

'Everyone has the right to life, liberty and security of person.'

I thought this particular iteration of the UDHR had a typo so went to their current page and, yup, same wording. It doesn't read right, does it? It would read better if it said, '...and security of the person.' But that's not what it says - its deliberately worded that way. Its as though it has been given an identity, like saying, 'Everyone has the right to life, liberty and security of America (or Andrew, David, Jane, etc. See?). Your brain adds the word 'the'. Yet that word is NOT there. Its been deliberately written in this weird way.

Article 6 is what gives the game away in more ways than one and which is what caused me to have an epiphany of sorts when I read it. So I will repeat it here... Everyone has the right to recognition everywhere as a person before the law.

Well, if you have the right to be recognized as being something you also have the right to waive (decline) that right, don't you? It's like someone telling you that you have the right to enter a building. You also have the right NOT to enter that building that you have been given a right to enter. You don't have to enter it, do you? The same thing applies here. You have the right to be recognized as a person but you also have the right to waive that right and not be recognized as a person. And 'Before the law' means in front of a judge! The same wording is also in the International Covenant on Civil and Political Rights - article 16 and most countries have signed both of these documents therefore it's legally binding on the governments to uphold the principles therein. There is one more thing that you need to be aware of with regards to this statement - the system ASSUMES that you have given consent to be recognized as a person so it never comes up in ANY discussion with solicitors/lawyers/barristers and therefore you are treated as such UNTIL you waive this right explicitly. And if you do waive this right it doesn't mean you waive it forever (as there are advantages to being recognized as a person). The next situation that comes along it will be assumed that you are the person until you waive that right. So that is where the last paragraph in the letter came from and how you prevent any company from applying statutes and regualtions to You the man, woman, teenager or child.

If you look at all the UK legislation all of it omits the words human(s), men, women, man, woman, humanity, mankind, etc. BUT it does have the word 'person'. That is the only way government can interface with real people - by creating legal fictions (ALL CAPITALIZED NAMES or LAST NAMES) that we are duped into believing is us, because after all the letters spell our name, right?

Er, no. The only place you find ALL CAPS names are on the headstones in a cemetary, or on corporate articles of incorporation and as names of companies. Go to Companies House (UK dept for registering companies) and you will see all the companies are written with ALL CAPITALIZED WORDS. Type in the letter A and hit Enter on your keyboard. You will have people appear in the list and they are shown as their first and middle name in upper and lower case and their last name in ALL CAPS, just like on their birth certificates (after 1969). But ALL the companies are shown with ALL CAPS letters only.

One last item before we get to the Courtesy Notice. Look at the PS. line and make a note of it. This is adhered to by Lowell's in their responses funnily enough!

Next we have the actual Courtesy Notice itself that I would never use now, as previously mentioned, because it is definitely not needed. If one needs to go down this route in that one feels that a particular debt collection agency is being a bit too persistent and rude then one can do a fee schedule or Terms of Service. An example of both will soon be provided in the resources page. The entirety of the Courtesy Notice will now be shown below.

A quick note on the above... my dad got his neighbor to witness his autograph after filling out the Respondent and Proponent details. So it was not sent in blank, like you see above.

Next, we get the first response from Lowell. Check out how much is showing as being owed on the right!

They have converted the letter sent to them into a 'complaint'. That brings up a point. These companies seem to always convert your letter into a 'complaint'. So sometimes I make it very clear in my letters that the letter is not a complaint. Whatever they say its important to say this so that if you ever write to a higher court for a summary judgement you can show that they 'converted' the letter into a complaint. Not you. A complaint can be dismissed. But facts and a verification of those facts cannot be. That's why these debt collection agencies do it.

Let's see their next response. You'll note that there's not a peep from me/my dad!

So they're still still investigating the 'complaint'.

And here is the final response from Lowell in all its glory!!!

So even though they have not said that the debt has been discharged, the prior letters show that this indeed happened. They are also not admitting to anything. But the acount has been closed, which is actually the same thing as saying, 'You no longer owe us anything'.

This type of response is now quite rare to get, although saying that Lewis got one very, very similar to this when he followed the same template of writing to them as above (but without using the Courtesy Notice) very recently.

If you go ahead and follow in our footsteps, please, please change your wording around a bit and make it unique to you and your situation, ok? Otherwise you are more than likely to get a response that is dismisive and accuses you of getting something off the internet. It makes it that much harder to get a resolution to your benefit and satisfaction.

This concludes how to get debt collection letters dealt with to a win for you!

This page was last modified on 24 November 2023 @ 1:04am EST