Diy Debt Discharge !!

HOW TO
DISCHARGE
DEBT
DIY PACKAGE
Are You Ready To Free
Yourself?
Taking control of your credit can be stressful if

you don't know where to start. Educating
yourself is the first step because true credit
repair starts with YOU! The goal of the
following templates is to position the everyday
person, no matter your experience, to take the
necessary steps to achieve your desired credit
scores, take over your accounts and get your
remedies. It is my burning desire to ensure that
you have the tools, resources, and knowledge
to take complete control ofyour life!For best
results, please follow directions closely and do
NOT copy and paste word for word. Add your
own sauce and demands. There are no
guarantees but if you apply yourself and follow
the instructions you will have great success.
Include
2
What’s Included
Personal Information Letter

Inquiry Removal Letters + Phone Script
Right Of Rescission Letter To Dealership
Right Of Rescission Letter Affidavit to Dealership
Conditional Acceptance/Student Loan Letter
Bill Already Paid in Full Letter
All Accounts Are Pre-Paid Affidavit
Bankruptcy Removal Letters
Adverse Action Letter
Late Payment Removal Letter
Collection/Charge Off Removal Letters
Medical Collection Letter
Identity Theft Letter
IdentityTheft Affidavit
Method Of Verification
Repo Removal Letter
Resources + Tips
Credit Reporting Agencies Contact Information
Instructions for Each Letter
3
Educational References
This document is made available to you with the

Understanding that the publisher isnotengaged
In rendering legal or other professional advice.
Throughout your read you will find educational
References in order for you to seek further
information.
4
15 USC 1681
I’m sure we are all familiar with the three major

Consumer reporting agencies: Transunion, Equifax
and Experian.
First thing first, let me remind you that they are

NOT government agencies or entities, they are
NOT a political subdivision, and they are all against
the constitution.
The Credit Reporting Agencies were NEVER given

the role to furnish credit reports; they ASSUMED
the role.
This is exactly why CONGRESS implemented the

FAIR CREDIT REPORTING ACT.
So doNOTbe afraid of them andNOTfall
victim to their little tricks and lies.
During this process, PLEASE Familiarize yourself

with TILA (Truth In Lending Act). FDCPA (Fair Debt
Collections Practices Act) and the FCRA (Fair
Credit Reporting Act)!
5
GETTING STARTED
Each letter includes instructions onwhoto send

The letter to.
Addresses tend to change and update therefore,

It
is your responsibility to ensure that you are
sending letter to the most accurate address on
file.
Read the templates thoroughly!!!!!!
Do not just copy and paste.
Use the following templates as an outline to help

You draft and personalize your letters.
6
Contact Sheet
7
CONTACT SHEET
Experian
PO Box 9701
Allen, TX 75013
Equifax Information Services, LLC

PO BOX 740256
Atlanta, GA 30374-0256
TransUnion
PO Box 2000
Chester, PA 19016
Additional Notes:
● Please remember the Credit Reporting Agencies
have 30 - 45 days to investigate your dispute and get
a response back out to you! If a Credit Reporting
Agency fails to respond this means the
account(s) you were disputing are to be deleted
immediately.
● Keep track of your dates you mail off your dispute
letters! I’ve found it’s best to send all dispute letters
out at the same time to keep track especially when
you’re not sending the letter certified.
● Include a copy of you state issued identification
card and a copy of your social security card with your
letters except those you send to collection agencies
and creditors.
● NEVER DISPUTE ONLINE!YOU WAIVE SO MANY
● RIGHTS CHOOSING THIS OPTION!
8
PERSONAL
INFORMATION
LETTER
Removing old and inaccurate personal

information prevents credit reporting from
linking you to old debts and possibly debts
that do not even belong to you.
This letter is sent directly to Experian,

Transunion and Equifax
9
PERSONAL INFORMATION LETTER
Date
YOUR NAME
YOUR ADDRESS
Credit Reporting Agency

Address
RE: Update Personal Information
DearCredit Reporting Agency Name,

I recently reviewed my credit file and unfortunately
found that some of my personal information was
incorrect .You are reporting Information that belongs to
someone else. I am writing to ensure you have the most
accurate information in my credit file at all times. Please
delete the following inaccurate information from my
credit file within the next 30 days. I know that you have
up to thirty days to meet my requirements. If I do not
receive any updates from you during this period. I know
that these inaccuracies should be automatically
removed. I have listed the information about my
Personal information that you incorrectly reported and
should be deleted immediately.
Please delete the follow inaccurate names:

List all misspelled or inaccurate names
Please delete the following inaccurate addresses:
List all old and inaccurate addresses
Please delete the following invalid telephone numbers:
List all old and inaccurate telephone numbers
Please delete the following inaccurate employers:
List all old employers
10
PERSONAL INFORMATION LETTER
By reporting these inaccuracies you are in violation of 15

USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency
may furnish a consumer report under the following
circumstances and no other ; in accordance with the
written instructions to the consumer to whom it relates.
CREDIT REPORTING AGENCY NAMEhas in fact
knowingly furnished my consumer report with
inaccuracies multiple times without having wet ink,
written instructions to do so. These actions have caused
my family and I great deal of injury.
Furthermore, I am filing this consumer complaint and

consumer check for compliance of these particular
items that you are reporting under FACTA Title 1 sec. 151.
I have enclosed copies of my state issued identification

and social security number to validate my identity.
Regards,
Last:First-Middle[Agent/Beneficiary]
Without Prejudice, All Natural Inalienable Rights
Reserved
11
INQUIRY
REMOVAL
If there are inquiries on your credit report

that you did NOT benefit from and that you
did NOT authorize, they must be deleted.
This constitutes as fraudulent activity due
to the unauthorized use of your credit card
(social security number)
This letter goes directly to the Experian ,

Transunion and Equifax
12
INQUIRY REMOVAL LETTER
YOUR NAME
YOUR ADDRESS
CREDIT REPORTING AGENCY NAME

CREDIT REPORTING AGENCY ADDRESS
RE: INQUIRY REMOVAL
While checking my most recent credit report, I noticed

unauthorized and fraudulent credit inquiries made by the
following companies:
Inquiries:
ACCOUNT NAME, Inquiry Date:
I did not authorize anyone employed by these companies

to make any injury and view my credit report. In addition,
i did not give you(Credit Reporting Agency)permission to
furnish this information onto my credit report. This
is a violation of the Credit Reporting Act Section 1681b(c)
which constitutes as fraudulent activity but is a serious
breach of my privacy rights.
13
INQUIRY REMOVAL LETTER
Please validate this information with these companies

and provide me with copies of any documentation
associated with these accounts bearing my signature,
authorizing an inquiry.
I also demand you.(Credit Reporting Agency)to

produce a contract between you and I, consumer,
bearing my signature showing that I gave you
permission to furnish any information on my behalf.
In the absence of any such documentation bearing my

signature, I formally request that these fraudulent
inquiries be immediately deleted from the credit file you
maintain under my Social Security number.
Please note that you have 30 days to produce the

requested contract and to complete this investigation,
as per the Fair Credit Reporting Act section 611 and you i
My contact information is a follows:

YOUR NAME
YOUR ADDRESS
Best Regards,
Without Prejudice, All Natural Inalienable Rights Reserved
14
INQUIRY REMOVAL SCRIPT
When calling the Credit Reporting Agencies for inquiry

removal follow this script:
You:Hello, my name is ______ and I am calling becauseI

noticed several unauthorized inquiries on my credit
report. I have contacted these companies individually
and was told to contact you.
Them:Was it fraud? No
You: I am not sure but I do know that I never gaveany of

these companies written or verbal permission to access
my credit.
(You might get transferred to the Fraud Department. If
this is the case just tell them the same thing)
Them: What Inquiries do you not recognize?
You: List Inquiries you don;t recognize
15
RIGHT OF
RESCISSION
It is yourRIGHTas a consumer to rescind your
liability in any contract!
ARIGHTis something that cannot be taken

away.
If you entered into a contract without full

disclosure or later noticed violations and or
fraud you should rescind your contract
immediately!
15 USC 1635Right of rescission as to certain

transactions that violation terminates alleged
contract.
A Rescission pertaining to contracts is simply

you stopping your performance due on the
contract. When you express your right to
rescind, you are rescinding your liability to
pay/perform on the contract.
16
RIGHT OF
RESCISSION
Send Rescission letter and Rescission Affidavit
to the dealership OR whomever you are in
contract with!
You should include a copy of your contract

marked up with the violations you have found.
Once your letter is sent also file a complaint

with the CFPB.
You will send a copy to registered agent of

dealership and also the CFO & CEO ) get
Notarized with return receipt.
17
RIGHT OF RESCISSION
Date
YOUR NAME
YOUR ADDRESS
DEALERSHIP NAME
DEALERSHIP ADDRESS
RE: RIGHT OF RESCISSION
DearDEALERSHIP
I,YOUR NAME,Original Creditor and Natural

Woman/Man hereby rescind my consent to be liable to
perform on the contract agreement i entered with
DEALERSHIP NAMEonDATE.
I entered into this contract agreement with

DEALERSHIPwithout 1). Full disclosure of my rightto
rescind 2). Transparency regarding the process of the
consumer credit application being the financial asset (
12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17
CFR 260.11b-6 ) ). I have reason to believe that
DEALERSHIPwillingly and knowingly took advantageof
me and my consumer credit.
I am not terminating or canceling this contract, I am

deducting my liability to pay on behalf of the obligor as i
have found several violations and fraud. Notice that
Pursuant to 15 U.S. Code § 1635(b) upon receipt of this
rescission I am not liable for any finance charge, security
interest, etc. becomes void effective immediately.
18
RIGHT OF RESCISSION AFFIDAVIT
In addition, I was given false and deceptive information

(violation of 1692e) as i was told that a down payment of
{$amount} was needed in order to drive off of the lot.
Pursuant to 15 usc 1605 a finance charge is sum of all
charges.
Down Payment Reimbursement shall be made by check

payable to to:
YOUR NAME
YOUR ADDRESS
Regards,
Without Prejudice, All NAtural Inalienable Rights
Reserved
19
RIGHT OF RESCISSION AFFIDAVIT
Affidavit of Truth
Date
YOUR NAME
YOU ADDRESS
DEALERSHIP NAME
DEALERSHIP ADDRESS
RE: Affidavit of Truth

This Rescission notice is made Pursuant to 15 U.S. Code §
1635(a) as I was never told I had 3 days to rescind the
agreement nor was I given the notices that come along
with all consumer credit transactions;
Furthermore, you DEALERSHIP failed to clearly &

conspicuously disclose my right to rescind.
I,YOUR NAME, participated in a consumer credit

transaction and not a loan Pursuant to 15 U.S CODE §
1605 the finance charge in connection with any consumer
credit transaction shall be determined as the sum of all
charges which was never disclosed to me by your
organization in direct violation of this law;
YouDEALERSHIPalso accepted a CASH down payment

ofDOWN PAYMENT AMOUNTviolating 15 U.S. Code §
1605 which clearly says that the finance charge does not
include charges of a type payable in a comparable cash
transaction
20
RIGHT OF RESCISSION
Pursuant to 15 U.S. Code § 1611(1)(3) you can be fined
up to $5000.00 for giving false, inaccurate information and
fails to provide information which he is required to disclose
and in this case youDEALERSHIPwillfully did whenyou
failed to disclose and [provide all information clearly to me
as a consumer.;
Notice that Pursuant to 15 U.S. Code § 1635(b) upon

receipt of this rescission I am not liable for any finance
charge, security interest, etc. becomes void effective
immediately.
take further notice that 20 days after your receipt of this
notice you have to return any money or property given and
also terminate and reflect that termination of the security
interest placed on the property which in this case is aCAR
MAKE MODEL VIN#
Your failure to comply with this rescission will result

in civil liability for fraud Pursuant to 15 U.S. Code §
1640
This Affidavit of Truth is dated the 15th Day of January in

the year 2022
SEAL
Jurat
State of _____________
County of____________
Subscribed and sworn before me this ______ day of
________________, A.D. ______.
WITNESS my hand and official seal
Signature of Notary Public
21
Conditional
Acceptance
BEST FOR STUDENT LOANS
Conditional Acceptance is simply you agreeing to

pay or perform,providedthat evidence of a
lawful debt can be produced.
This letter stops you from being taken to court

because courts only adjudicate between parties
who are in dispute, and since you have agreed to
pay, there is no dispute, so the court would not
accept any application for hearing.
This letter can be sent to anyone that sends you a

bill or continuously accuses you of owing a debt.
I use this for student loans because in my case

my loans had been transferred and or sold!
Click Herefor more information about conditional

acceptance or copy link below!
https://youtu.be/4XeUgWQ-9xY
22
CONDITIONAL ACCEPTANCE LETTER
Date
YOUR NAME
YOU ADDRESS
COMPANY/CREDITOR NAME
COMPANY/CREDITOR ADDRESS
Dear,
Iagreeto pay the following financial obligationregarding
account number xxxxxx in which I might lawfully owe, on
one condition: Within fifteen (15) days of the date of thighs
Conditional Acceptance sent certified mail return receipt
requested you deliver to me the following:
●provide a validation of the debt, that, production of

account and the general ledger statement.
●Verification of your claim againstYOUR NAME IN
BIG CAPS,that is, a signed Invoice.
●A copy of the Contract binding bothCOMPANY OR
CREDITOR NAME AND YOUR NAMEand send that
letter by recorded delivery so that there is an
independent witness to it having been delivered.”
● A statement admitting whether you are the holder in
due course or whether you are a servicer.
● A statement admitting whether you have sold my note
in a pooling and servicing agreement. This is also
known as securitization.
23
CONDITIONAL ACCEPTANCE LETTER
●The identity of the true holder in due course for my

loan. If the loan has been securitized, the name of the
REMIC my loan was sold to.
● The CUSIP number under which my loan was
securitized to.
●Make available for visual inspection my original wet
ink promissory note (not a photocopy).
Please provide the above and If you are unable to provide

this proof as I have requested within 30 days, then you
admit to not being a party of interest and cannot rightfully
enforce your eviction claim under U.C.C. - ARTICLE 3 §
3-301.
Under US Code TITLE 15> CHAPTER 41>

SUBCHAPTER V> § 1692g part b), this debt is now
officially in dispute. By law, all collection activities must
cease until this matter is resolved. You are hereby given
notice. Blatant disregard for this law is subject to fines by
the FTC. You are advised to consult legal counsel on this
matter.
In the event that this debt is not validated by you, as

required by the Fair Debt Collections Practices Act, you
have a legal responsibility to terminate the claim and
correct any negative credit reporting which may have been
made in connection with this alleged debt.
Thank you,
Last:First-Middle/ [Agent/Beneficiary]
24
BILL
ALREADY
PAID IN FULL
Please do NOT let this letter go over your head.
The original credito(YOU)are actually the one

extending the credit that’s creating the debt. 15 USC
1692a(4)
●Pursuant to 12 USC 83 banks can’t actually loan

money(their own stock)
●Pursuant to 12 USC 1431 the role of the bank is

not to extend credit, nor loans!
Credit is designed toremove obligationsand a

natural person is supposed to live free!
This is LAW.
25
BILL
ALREADY
PAID IN FULL
All accounts are paid in full the moment you use
yourcredit card (15 usc 1602L).
When you receive a bill or statements in the mail

look at it like a check!
Know that you are supposed to endorse it and send

it back (Bill of Exchange Act 1985)
This isYOURresponsibility every single time you

get a bill aka check!
If you are receiving bills/statement from a company

the following letter can be used to take care of the
accounts balance.
Before sending this letter you will need:

1). 1099a
2). Most Recent Statement / Bill indicating amount
owed
26
FOR MORE
INFORMATION
PLEASE CLICK THE
FOLLOWING LINKS
1). Discharging Debts
2). Understanding Your Beneficiary Duties
Click or Copy Link Below

https://youtu.be/2QJDhrnuPYM
3. Are You Really The Original Creditor?

https://youtu.be/OgzTlPBTM-E
27
BILL ALREADY PAID IN FULL
Date
To: C.F.O / C.E.O. for Vendor/Provider

CORPORATION NAME
4321 THEIR ADDRESS HERE
CITY, ST 12345
FROM: YOUR NAME

YOU ADDRESS
Dear Sir/Madam:
Your(ENTER MONTH)statement is being accepted and

returned for value as consideration for settlement and
closure of this account for the full amount of(totalowed)
/principals balance.
It has been noted on the payment coupon AKA

bill/statement that this 100% value coupon is being
accepted for the value indicated(amount owed), Iwish to
thank you for obtaining the funds from my
government-created ‘Cestui Que Trust’ account for me in
order toprepaythis obligation. You could have informed
me about this process along time ago as it could’ve
prevented my family and I unnecessary financial stress.
The required IRS form 1099-A is attached to

document/cover the process of this transaction for the
funds that you have withdrawn from U.S. Treasury
CESTUI QUE Trust Account -FIRST MIDDLE LAST
(STRAWMAN/CESTUI QUE TRUST)SSN # 123-45-6789.
The 1099-A is included so the IRS accounting department
can properly account for the transfer of these funds from
this account to your account.
28
The first item on the 1099-A is for an Acquisition means

for the Lender (buyer, purchaser, acquirer) and the
Borrower (seller, supplier, provider).By the correct
understanding of the form, this means that the debt as
noted in box 5 is really a payment, and this 1099-A
isdocumenting that fact.
If you have any questions, you can write me at the

location above. If it is not written to this proper location,
your mail did not meet proper service and shall be
returned to its sender as soon as possible. So please
update my mailing location as you were directed to do so
as well as send me a “True Invoice” of a bill, NOT a
statement of a bill which is a direct violation of proper
response and your duties to me.
A little extra information for you:
BE INFORMED. Any actor, agent, or fiduciary who delays,

restricts, or otherwise prohibits the movement of this
Negotiable Debt Instrument in its lawful progression*
destined to or for the Holder in Due Course, Secured
Party, or Claimant must show cause why a contempt
charge** should not be issued against him/her in
his/her/their true character, or suffer the consequences of
said action or lack of action.
29
It is noted that said actors, agents, and fiduciaries are

subject to the self-executing regulations of the 3rd and 4th
sections of the 14th Amendment to the Bill of Rights to the
Constitution for the United States of America whereby
their offices are vacated, and their salaries and retirement
benefits are extinguished when they do not perform the
duties of said offices.
*Established in 1933 under H.J.R. 192 and

exercised by
actors, agents, and fiduciaries of every commercial
transaction by commercial banking institutions
since that date with the “Abrogation of the Gold
Clause”
**Damages equals to double the amount of the Negotiable

Debt Instrument (under civil action) or triple the amount of
the Negotiable Debt Instrument (under Admiralty
Jurisdiction).
Copies of all paperwork shall be forwarded to:
To: U.S. Securities and Exchange Commision (SEC)

Office if Investor Education and Advocacy
100 F Street N.E.
Washington, DC 20549-0213
To: DEPARTMENT OF TREASURY
INTERNAL REVENUE SERVICE - C.I.D.
Austin, TX 73301
To: Consumer Response Center

Federal Trade Commision
Washington, DC 20580
Thank you,
Without Prejudice, All NAtural Inalienable Rights Reserved
30
URGENT!
BEFORE SENDING THE BILL PAID IN FULL

LETTER, PLEASE GO WATCH THE FOLLOWING
VIDEO TO UNDERSTAND THE 1099A FORM!!!
1). Understanding the 1099a how it is similar to a

check!

https://youtu.be/px2RrVZS9Qc
31
AFFIDAVIT
THAT ALL
ACCOUNTS
ARE PREPAID
This document can be sent to any company
that you have a contract agreement with.
I personally send this letter with the following:

BILL PAID IN FULL letter, ENDORSED BILL and
my 1099A Form.
Please read and study the facts listed in the

affidavit before sending.
Remember: All affidavits must be notarized!
32
AFFIDAVIT THAT ALL ACCOUNTS ARE
PREPAID
Date
YOUR NAME
YOU ADDRESS
CREDITOR NAME
CREDITOR ADDRESS
I/Me/Myself/Us/We/Ourselves,First Middle Last,the

undersigned affiant, a living man declare that I am of
majority and competent to state the matters set forth
herein with first-hand knowledge of the facts and that they
are true, correct, not misleading, and certain, admissible
as evidence
●Senate Document No. 43, 73rd Congress“The

ownership of all property is the State. Individual,
so-called ownership is only by the virtue of the
government, i.e. law, amounting to mere user, and
use must be in accordance with law, and subordinate
to the necessities of the state.”
● Congressional record, March 9th, 1933 on HR
1491, p.83“Under the new law, the money is issued
to the banks in return for government obligations,
bills-of-exchange, drafts, notes, trade acceptances
and bankers’ acceptances. The money will be worth
100 cents on the dollar, because it is backed by the
credit of the nation. It will represent a mortgage on all
homes, and other property of the people of the nation.
33
PREPAID
●Obligation or -other security of the

Title 18 § 8.
United States defined The term ‘“obligation or other
security of the United States”’ includes all bonds,
certificates of indebtedness, national bank currency,
Federal Reserve notes, Federal Reserve bank notes,
coupons, United States notes, Treasury notes, gold
certificates, silver certificates, fractional notes,
certificates of deposits, bills, check, or drafts for
money, drawn by or upon authorized officers of United
States, stamps and other representatives of value, of
whatever denomination, issued under any Act of
Congress, and canceled United States stamps.
●FRN’s are obligations of UNITED STATES: HJR

192:
The term “obligation” means Federal Reserve notes
and circulating notes of Federal Reserve banks and
national banking associations.
●makes
Title 31a §statutory
3123 pledge of the
United States government to payment of obligations
and interest on the public debt.
34
PREPAID
●Title 31 § 3123.Payment of obligations and interest

on the public debt. (A) The faith of the United States
Government is pledged to pay, in legal tender,
principal and interest on the obligations of the
Government issued under this chapter. (B) The
Secretary of the Treasury shall pay interest due or
accrued on the public debt. As the Secretary
considers expedient, the Secretary may pay in
advance interest on the public debt by a period of not
more than one year, with or without a rebate of
interest on the coupons. Therefore, the government
pledges to pay government obligations which Federal
Reserve Notes are, and pay them with FRNs, which is
legal tender. Taxes and all bills associated with
corporations are all government obligations which
they must pay when we accept them for value and
return them to the government that has an obligation
to settle the debt, dollar for dollar.
●The Constitution does not give we, the people “rights”.

It forbids the government to ignore the “God given
Rights of the people,” as seen in the 9th Amendment:
“The enumeration in the Constitution, of certain rights
shall not be construed to deny or disparage others
retained by the people.” In addition, the 10th
Amendment: “The powers not delegated to the United
States by the Constitution, nor prohibited by it to the
States, are reserved to the States respectively, or to
the people.”
35
PREPAID
●It is a fact: Title 31 § 3130further delineates inits

definitions a portion of the total public debt, which is
held by the public as the “Net public debt,” § 3130.
Annual Public Debt Report (a) General Rule. - On or
before June 1 of each calendar year after 1993, the
Secretary of the Treasury shall submit a report to the
Committee on Ways and Means of the House of
representative and the Committee on Finance of the
Senate on- (1) the Treasury’s public debt activities,
and (2) the operations of the Federal Financing Bank.
For whatever reason we can associate with their
actions and reasons they did so, we may benefit. We
are beneficiaries, the government are trustees;
Trustees pay debts, beneficiaries do not. Thus,
government obligations are not taxable.
●In fact, by the 14th Amendment, § 4, we need people

to create credit instruments. We must also Accept For
Value, the debt instruments/legal tender of the United
States. As long as the debt exists, the Democracy
exists. The Republican Form of Government, The
United States of America, can only come back when
the debt is gone. Since Federal Reserve Notes
(FRN’s) as legal tender are debt notes, an insufficient
number exist, for their repayment in kind, will not
cover the interest “owed”. Using FRNs to “pay” debts
only increases the government obligations on debt by
their creation.
36
PREPAID
●As it is a fact that all property in the United States

as a result of the March 9, 1933 act is under the
ownership of the United States, and/or it’s
designee, that the currency is underwritten by US
Treasury notes, bills and/or obligations, it is
impossible for me to be held liable for
government
The obligations.
unconstitutionality of
said act is expressed in Congress’ own words: “a.
Since MArch 9, 1933, the United States has been in a
state of declared national emergency. These
proclamations give force to 470 provisions of federal
law. These hundreds of statutes delegate to the
President extraordinary power exercised by the
Congress, which affects the lives of American citizens
in a host of all-encompassing manners. This vast
range of powers, taken together, confer enough
authority to rule this country without reference to
normal constitutional processes.” Senate report
93-549 July 24, 1973.
Therefore, and per the above, let theNAME OF

CREDITOR/COMPANYsettle the claims and close this
account as paid in full for and which I do hereby give my
permission.
I do declare my willingness to offset public debt by

accepting and returning for value, my private debts that
created new currency into circulation and indebted the
government thereby.
37
PREPAID
This affidavit of Truth is dated the___Day of January in the

year 2022
SEAL
Jurat
State of_________
County of______________
Subscribed and sworn before me this _______ day of

_______________, A.D. ______.
38
Bankruptcy
Removal
Letter
Send this letter to the Credit Reporting
Agencies: Experian, Tranunion and Equifax.
39
BANKRUPTCY REMOVAL LETTER
Date:
Your Name
Your Address
Credit Reporting Agency Name

Credit Reporting Agency Address
RE: Bankruptcy File Number
Dear(Credit Reporting Agency):
After reviewing my credit report I noticed that there is a

U.S. Bankruptcy Court items listed on my credit reports.
Per the FCRA 623(a)(5): “If the Credit Bureau cannot
VALIDATE the information with the ORIGINAL
CREDITOR, they must remove said information from the
consumer credit file.”
The original creditor in this case would be the U.S.

Bankruptcy Courts, The Bankruptcy courts mailed me a
letter stating that they do NOT provide any information to
credit reporting agencies, nor do they ever validate and/or
confirm public records.
LexisNexis has provided documentation that it

could not validate this public record information. It is the
credit reporting agencies, and/or other third party
providers who collect information regarding public cases
from public records. Public records information is NEVER
validated by the Recorder of Deed nor the U.S. Court
system due to Fair Credit Reporting Agency PRIVACY
LAW.
40
Public records information is NEVER validated by the

Recorder of Deeds nor the U.S. Court system due to
the Fair Credit Reporting Agency PRIVACY LAW.
CREDIT REPORTING
You,ARE BREAKING THE AGENCY,
LAW AND ARE COMMITTING
FRAUD AS YOU NEVER validated or verified these public
record entries on my credit report which is a violation of15
USC 1681a( e ). An investigative consumer report is when
any portion of which information on a consumers
character, general reputation, personal characteristics, or
mode of living is obtained through personal interviews with
neighbors, friends, or associates of the consumer reported
on or with others with whom he is acquainted or who may
have knowledge concerning any such items of information.
You are also violating 15 USC 1681b ( a ) ( 2 ) considering

you do NOT have my consent to furnish any information.
Per 15 USC 1681c ( a ) Bankruptcy information is Excluded

from the consumer’s report.
You,CREDIT REPORTING AGENCYand your fraudulent

activity and continuous violations are causing me great
injury as you are preventing me from receiving credit to
support and sustain my family.
I need the bankruptcy information currently showing under

my social security number to be PERMANENTLY DELETED
from my credit report immediately.
41
As such, if this unauthorized public record information is

not deleted from my credit report within the next 30 days,I
will be filing a complaint to the Federal Trade Commission
and Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days

of receipt of this certified letter will result in a small claims
action against your company.
Iwill be seeking no less than $5,000 in damages for,but

not limited to: 1) Defamation; 2) Negligent Enhancement
of Identity Fraud; 3) Violation of the fair Credit reporting
Act and Consumer Financial Protection Bureau.
Thank you,
42
Adverse
Action Letter
This letter can be sent to any company that

accepted your credit application and denied you
credit or closed your account without your
consent.
Please be sure to send a copy of your denial

letter and or account closure letter when you
send the letter below.
43
ADVERSE ACTION LETTER
Date:
Your Name
Your Address
Company Name
Company Address
RE: Adverse Action
DearCOMPANY’S NAME,
I, the consumer and natural person, was denied creditby

COMPANY’S NAMEwhenIapplied for aCREDIT CARD.
Adverse actions against a consumer isAGAINST THE

LAWaccording to the Equal Credit Opportunity Actwhich
is codified in the 15 U.S.C. 1691c and is pursuant to civil
liability under 15 U.S.C. 1691k
You are subject to criminal liability for violating 15 U.S.C.

1691 as I have proof that I was discriminated against by
COMPANY’S NAMEdue to the responseIreceived.
COMPANY’S NAMEis in violation of 15 U.S. Code 1642,

U.S.C. 1681m and 12 cfr 1002 becauseI, the consumer,
made an application in good faith, bit credit was not
issued.
Furthermore, because my social security number(credit

card) was used and i receivedNObenefit this is proofof
fraudulent activity (unauthorized use of credit card)on
behalf ofCOMPANY’S NAME
44
ADVERSE ACTION LETTER
IfCOMPANY’S NAMEfails to make any reasonable

procedures to resolve this matter and compensate me for
the use of my credit card I will indeed makeCOMPANY’S
NAMEcriminally and civilly liable for all actualdamages
pursuant to 15 USC 1681n and USC 1681o.
I will also follow up with an invoice for said violations

({$10000.00} per violation).
Thank you,
45
Late
Payments
Letter
This letter shall be sent to the Credit Reporting
Agencies;Experian, Transunion and Equifax.
If you want to address the Creditor directly, then

you can change the verbiage in this letter
basically stating that there is no such thing as
late payment because the account was paid in
full the moment your credit card (15 USC 1602L)
was accepted!
46
LATE PAYMENTS LETTER
Date
Your Name
Your Address

Dear(Credit Reporting Agency)

I received a copy of my credit report and I have found the
following items listed below to be in error.
Pursuant to 15 USC 1666b A creditor may not treat a

payment on a credit card account under an open end
consumer credit plan as late for any purpose, unless the
creditor has adopted reasonable procedures designed to
ensure that each periodic statement including the
information required by section 1637 ( b ) of this title is
mailed or delivered to the consumer not later than 21 days
before the payment due date.
I NEVER gave You,Credit Reporting AgencyOR

(NAME OF CREDITOR)any written instruction to furnish
any information on my consumer report which is a
violation of 15 USC 1681b. Credit Reporting Agency has
caused severe stress and anxiety due to the abusive and
unfair practices.
You,CREDIT REPORTING AGENCY,should be

ashamed of yourself for ASSUMING this role and position
to constantly commit fraud and cause harm to consumers!
47
LATE PAYMENTS LETTER
These accounts are listed with late or missed payments

and that is incorrect. The following accounts were NEVER
late and should be listed as PAYS or PAID AS AGREED.
Account Name + Account Number

I was never late on (Month/Year) on this account please
update the account as Paid/Current.

I was never late on (Month/Year) on this account please
update the account as Paid/Current.
By the provisions of the fair Credit reporting Act, I demand

the these items be investigated and removed from my
report and I demand that you provide me with concrete
evidence and all documentation proving that I am or have
been late.
It is my understanding that you will recheck these items
with the creditor who has posted them.
Please remove any information that the creditor cannot

verify. I understand that under 15 U.S.C. Sec. 1681i(a), you
must complete this reinvestigation within 30 days of
receipt of this letter.
Please send an updated copy of my credit report reflecting

the requested changes.
Best Regards,
Without Prejudice, All NAtural Inalienable Rights Reserve
48
Collection/
Charge off
Removal Letter
This letter shall be sent to the Credit
Reporting Agencies; Experian, Transunion
and Equifax.
49
COLLECTION/CHARGE OFF REMOVAL
Date
Your Name
Your Address

To whom this may concern,
After reviewing my credit reports I noticed that your are

alleging that the following accounts are negative without
furnishing any proof of verification of this debt or that you
followed all laws and regulations to report therefore you
must remove all negative and adverse remarks.

As you know it is against the law to report any information

not proven accurate.
I demand that you provide me with concrete evidence of

my obligation to said accounts.
50
COLLECTION/CHARGE OFF REMOVAL
Please be aware that all negative remark found on my

credit report is a violation of the FCRA and FDCPA when
you cannot furnish the validity of the remark.
I am not in dispute of the ownership of the account but if

you are unable to provide the full reports of how you
validated, verified, and how you are in compliance then
you must remove the account from my credit report.
Best regards,
51
Medical
Collection
Removal
and Equifax.
52
MEDICAL COLLECTION REMOVAL
Date
Your Name
Your Address
Name of Credit Reporting Agency

Address
YOU ARE BREAKING THE LAW
UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT

PROVING THAT I GAVE(PROVIDER NAME)MY REQUEST
TO RELEASE INFORMATION TO YOU,
(CREDIT REPORTING AGENCY)I DEMAND YOU
DELETE THE FOLLOWING ACCOUNT(S)!
-
Under the Health Insurance Portability and
Accountability Act of 1996 (HIPAA).
I reserve the right to protectthe
privacy of my personal information and medical
records from all third party reporting agencies.
Please send the above requested information to my

mailing address listed above.
This letter is a request for validation and I request full

documentation containing all information you received
from the service provider of this alleged debt.
53
MEDICAL COLLECTION REMOVAL
Continuing to report this Medical debt without properly

validating and providing me proof of permission is a
violation of the FCRA (Fair Credit Reporting Act).
You have 30 days to respond to this request or this debt

will be considered invalid and the demand for removal
from your reporting agency will be required.
Best regards,
54
Identity
theft Letter
Have you noticed an unauthorized use of
your credit card?
Do you have things on your credit report that

you didn’t give written or oral permission to
be furnished?
If the answer is yes to either question above,

then you are a victim of identity theft!

and Equifax.
You must also file a complaint with the CFPB

and FTC!
55
IDENTITY THEFT LETTER
Date
Your Name
Your Address

RE: Victim of Identity Theft
DearCredit Reporting Agency,

After reviewing my credit report I must inform you that I am
NOT responsible for the listed accounts as I have been a
victim of identity theft.
I have already notified both my local police department

and the Federal Trade Commission by completing an
identity theft report and I have included a copy for your
review.
Please delete the following accounts from my credit report

immediately!

Best Regards,
56
Identity
Theft
Affidavit
57
IDENTITY THEFT AFFIDAVIT
IDENTITY THEFT VICTIM’S STATEMENT OF

IDENTITY FRAUD
I, consumer and original creditor, having full first-hand

knowledge of the facts stated herein, and making this
Affidavit of His own free Will, does affirm that the facts
stated herein are true, correct, certain, and complete to
the best of His knowledge. Having been duly sworn,
Affiant declares the following:
IDENTITY THEFT VICTIM’S STATEMENT OF IDENTITY

FRAUD
Having been duly sworn, affiant declares the following:
1.Affiant declares, that my full legal name is:YOUR

NAME
2.Affiant declares, that Affiant is a resident of: YOUR

ADDRESS
3.Affiant declares that Affiant is a victim of Identity

Theft.
4.Affiant declares that the events described in this

affidavit took place and my name was:YOUR NAME
at the time of the incident.
5.Affiant declares that Affiant’s social security number is

YOUR SOCIAL
58
6.Affiant declares that Affiant’s driver’s license is:
STATE & NUMBER
7.Affiant declares that Affiant’s current address is:
YOUR ADDRESS
8.Affiant declares that Affiant did not authorize anyone

to use Affiant’s name or personal information to seek
money, credit, loans, goods, services described in this
report.
9.Affiant declares that AffiantDID NOTreceive any

benefit, money, goods or services as a result of the
events described in this report.
10.Affiant declares that an unauthorized person has

used Affiant’s personal information or identification
documents to get money, credit, loans, goods or
services without Affiant’s knowledge or authorization.
11.Affiant declares that an identity thief has stolen

Affiant’s identity and has opened accounts in Affiant’s
name.
12.Affiant declares that AffiantDID NOTauthorize

anyone to use their information, nor did Affiant receive
any goods or services from the accounts opened in
Affiant’s company name.
59
13.Affiant is willing to work with law enforcement.
14.Affiant that the identity thief first began to use

Affiant’s information on about:DATE
15.Affiant declares they first discovered that they were

once again a victim of identity theft on about:DATE
16.Affiant declares they have incurred about

$AMOUNTin out of pocket expenses relating to
identity theft.
17.Affiant declares that the thief obtained

approximately:$AMOUNTin financial value of all
things the thief obtained with Affiant’s company name
and information.
18.Affiant declares the accounts listed on the following

page are opened by the identity thief without Affiant’s
permission, knowledge, authorization or consent.
ACCOUNT(S) OPENED BY IDENTITY THEFT:

-
-
WRONG ADDRESSES:
-
-
WRONG EMPLOYERS:
-
-
INQUIRIES:
-
60
-
Verification
Any man or woman having first hand knowledge of all the
facts asserted herein and having absolute power and
authority to rebut this affidavit must rebut with the
rebuttinging party’s own signature and endorsement
notarized, under the penalty of perjury and willing to
testify, and executed as true, correct, and complete with
positive proof attached. Absent positive proof any rebuttal
shall be deemed null and void having no force or effect,
thereby waiving any of State Farm Bank’s immunities or
defenses.
Any rebuttal shall be mailed to the undersigned and the

Notary address within ten (10) calendar days of receipt of
this affidavit. When a rebuttal is not received by both the
Affiant and the Notary within 10 days this entire Affidavit
and default provisions shall be deemed true and correct.
This Affidavit of Truth is dated theDATEDay of Januaryin

the year 2022
Without Prejudice, All Natural Inalienable Rights Reerved
SEAL
Jurat
State of__________
County of_____________
Subscribed and sworn before me this_____ day

of________________, A.D. ______.
61
METHOD OF
VERIFICATION
If you receive confirmation that an alleged
obligation has been validated but you still have
reason to believe there are inaccuracies- you will
send this letter.
This letter is simply asking for proof of

verification.
Please go read 15 USC 1692g to understand

what the debt collector or credit reporting
agency must provide the consumer.
62
METHOD OF VERIFICATION LETTER
Date
Your Name
Your Address

Address
RE: Method Of Verification
Dear (Credit Reporting Agency)
Pursuant to 1692g, I am requesting the Method of

Verification for the following disputed account(s):
This is in accordance with the Fair Credit Reporting Act

§611(a)(7). This isnota request for a reinvestigationof
the previous dispute.
This is rather a request for a Method of Verification where

the following items should be provided to ensure the
validity of the account(s).
63
METHOD OF VERIFICATION LETTER
Please provide the following items: identity item(s) by the

name of source, such as creditor or tax court, and identify
type of item, such as credit accounts, judgment, etc.
1.The name of the original creditor

2.The creditor’s address and telephone number
3.The person’s name they verified the dispute with
4.The documentation used to verify the dispute
If you are unable to respond in a timely manner and

provide the above items, please delete the account(s)
from my credit report to prevent further damage.
Best Regards,
64
Repo
Removal
Letter
LETTER #1 GOES TO COLLECTION AGENCY
LETTER #2 GOES TO CREDIT REPORTING
AGENCY
65
REPO REMOVAL LETTER #1
Date
Your Name
Your Address
Collection Agency Name

Collection Agency Address
RE:
Name of Original Creditor
Original Creditor Address
Car Make:
Card Model:
Car Vin #:
To Whom It May Concern:
I am writing in regard to the above referenced accounts

and transactions. This vehicle was repossessed by
(Original Creditor) in the State of(Your State)onor
about,DATEand resold on or aboutDATEby(listname
of company who sold the car).
Under the laws of the State of (State where the car was
repossessed) and State RISA and MVISA statutes a
deficiency can not be claimed unless all of the required
notices were properly and timely given, and all of the
allowable redemption and cure time limits were adhered
to.
Please provide copies of the legal notices and proof of the

commercially reasonable manner of the resale of the
subject vehicle.
66
If no such proof is provided within 14 days from receipt of

this notice, the alleged claim of a deficiency will be
considered null and void, and any continued collection
activities, or continued reporting of this invalid claim on my
credit reports will be considered a violation of the FDCPA
and FCRA.
In addition, if you singularly or severely fail to comply with

the above requests, I reserve the right to seek damages
against all parties, under all available State and Federal
statutes and UCC - 9 remedies.
Best Regards,
Last:First-Middle[Agency/Beneficiary]
67
Date
Your NAme
Address

Address
Name of Original Creditor

Original Creditor Address
I am writing this letter in regards to the account (Account

Name - Account #) referenced above that is being listed
on my credit report by(NAME OF COMPANY). This
account has not been properly verified and as you know
failure to comply with federal regulations by credit
reporting agencies are in serious violation of the Fair
Credit Reporting Act and may be investigated by the FTC.
For obvious reasons, I am maintaining very detailed

records of all my correspondence with you in preparation
to file a complaint with the Attorney General’s office and
the Consumer Financial Protection Bureau if you continue
to list this item on my credit report. I was given no
evidence of my obligation to pay this debt to this collection
agency.
The FCRA requires you to verify the validity of the item

within 30 days. If the account can not be verified,you are
obligated by law to remove the itemand if you doverify
this item please provide the complete name of the person
who verified this information, telephone number, the date
you spoke, all documentation provided to you, and the
method of verification as well.
68
In the event that you can not verify the item pursuant to the
FRCA, and you continue to list the disputed item on my credit
report I will find it necessary to sue you for actual damages
and declaratory relief under the FRCA.
According to this regulation, I may sue you in any qualified

state or federal court, including small claim court in my area.
While I prefer not to litigate, I will use the courts as needed to
enforce my rights under the FCRA.
Best Regards,
69
ADDITIONAL NOTES
●Make sure you keep ALL records of
communication!
●If you can, send certified mail every time!
●Get your affidavits notarized!
●Do not Communicate Via Phone handle all
matters through mail!
●Do NOT be intimidated.
●You ARE the BOSS!
70

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HOW TO

Taking control of your credit can be stressful if

Personal Information Letter

This document is made available to you with the

I’m sure we are all familiar with the three major

First thing first, let me remind you that they are

The Credit Reporting Agencies were NEVER given

This is exactly why CONGRESS implemented the

During this process, PLEASE Familiarize yourself

Each letter includes instructions onwhoto send

Addresses tend to change and update therefore,

Read the templates thoroughly!!!!!!

Do not just copy and paste.

Use the following templates as an outline to help

Equifax Information Services, LLC

Removing old and inaccurate personal

This letter is sent directly to Experian,

Credit Reporting Agency

RE: Update Personal Information

DearCredit Reporting Agency Name,

Please delete the follow inaccurate names:

By reporting these inaccuracies you are in violation of 15

Furthermore, I am filing this consumer complaint and

I have enclosed copies of my state issued identification

If there are inquiries on your credit report

This letter goes directly to the Experian ,

CREDIT REPORTING AGENCY NAME

RE: INQUIRY REMOVAL

While checking my most recent credit report, I noticed

I did not authorize anyone employed by these companies

Please validate this information with these companies

I also demand you.(Credit Reporting Agency)to

In the absence of any such documentation bearing my

Please note that you have 30 days to produce the

My contact information is a follows:

When calling the Credit Reporting Agencies for inquiry

You:Hello, my name is ______ and I am calling becauseI

You: I am not sure but I do know that I never gaveany of

Them: What Inquiries do you not recognize?

You: List Inquiries you don;t recognize

ARIGHTis something that cannot be taken

If you entered into a contract without full

15 USC 1635Right of rescission as to certain

A Rescission pertaining to contracts is simply

You should include a copy of your contract

Once your letter is sent also file a complaint

You will send a copy to registered agent of

RE: RIGHT OF RESCISSION

I,YOUR NAME,Original Creditor and Natural

I entered into this contract agreement with

I am not terminating or canceling this contract, I am

In addition, I was given false and deceptive information

Down Payment Reimbursement shall be made by check

RE: Affidavit of Truth

Furthermore, you DEALERSHIP failed to clearly &

I,YOUR NAME, participated in a consumer credit

YouDEALERSHIPalso accepted a CASH down payment

Notice that Pursuant to 15 U.S. Code § 1635(b) upon

MAKE MODEL VIN#