[00:00.000 --> 00:06.720] The shopkeepers and vendors ain't got nothing to put on the store [00:06.720 --> 00:12.560] Hey, you wicked man, you're gonna die [00:12.560 --> 00:18.560] Why, ey, why, is your jury out for you? [00:18.560 --> 00:26.560] Why, ey, why, those people ain't got nothing at all? [00:26.560 --> 00:30.560] Why, ey, why, those people ain't got nothing at all? [00:56.560 --> 01:24.560] Well, I would say that based on what I'm hearing from you on these letters that they have twice contacted you after your dispute letter and didn't provide you with any proof of any, excuse me, after your validation letter, didn't provide you with proper proof of any alleged account or any alleged debt. [01:24.560 --> 01:39.560] Two times, that's $1,000 each. So that's two grand there. And damages to your reputation, you know. I don't know, $5,000, $10,000, you know. What the court sorted out. That's simple. [01:39.560 --> 01:57.560] Okay. And that's why we come to the settlement hearing and we get all the terms that you say, you know, that they won't report it to anybody else, that they won't put any negatives on the credit report, etc., etc., etc., all the things that you call for. [01:57.560 --> 02:11.560] Which real number are you cutting? You know, I've been asked that a lot of times and I'm going to tell you this. It's like buying a used car. Okay. You're going to haggle back and forth. [02:11.560 --> 02:25.560] They're going to come to you and they're going to say, my client wants to settle, you know, and can you come up with a number and say, okay, well, I'm looking for $15,000. I'll settle for $75,000. Oh, they won't pay that well. [02:25.560 --> 02:28.560] You know, then we'll go to trial and ask them. [02:28.560 --> 02:43.560] I have a question for Randy here on this. Aren't these causes of action in O'Connor's where there's adjudicated amounts of money to be as, you know, some sort of precedent so that you'll know what to ask for? [02:43.560 --> 02:51.560] Okay. In reading the code, the penalty does not create a cause of action. [02:51.560 --> 02:52.560] Right. [02:52.560 --> 03:07.560] You can only go for the penalty. Now, if you can show that they committed some that in the process of committing this act that violated like in what I'm working on, on the real estate stuff, they don't give you a HUD booklet. [03:07.560 --> 03:14.560] Now that doesn't create a cause of action, although they can be fined between $200,000 and $2,000 for it or being penalized. [03:14.560 --> 03:22.560] What I maintain is, is they didn't give you the HUD booklet because it would warn you about all the crapola they're going to pull on you. [03:22.560 --> 03:23.560] Oh, yeah. [03:23.560 --> 03:34.560] And then you'd be watching for it. So the cause of action is the fraud that they committed by not giving you the booklet was part of the fraud. Now that's cause of action. [03:34.560 --> 03:49.560] Well, no, what I'm talking about is like the time and, you know, all the trouble, the time. I know that this is one, this is a method that some of these commercial remedy guys do and it seems to be very effective. [03:49.560 --> 04:08.560] What they do is they come up with a fee schedule of their time, billable, hourly billable wages for having to deal with this sort of thing. And they have a specific fee schedule for having to do legal research, how much it costs per hour to have to go to the courthouse and file things and whatever else. [04:08.560 --> 04:22.560] And then they file that in miscellaneous, in the public record with the clerk of the court. And then it's a matter of public record. And then when these guys start hassling you, you send them a bill. [04:22.560 --> 04:40.560] And then if they don't dispute it, then it goes to the notice default process. And then you can send them notice of fault and then the second notice of default. Then you can have the default cured and then you can lien them. [04:40.560 --> 04:54.560] You can sue them and that's a legitimate spending even if you can't do it under cause of action. Now that is a legitimate process. But you have to have all of these things in place first though. [04:54.560 --> 04:57.560] You could sell that debt to a third party debt collector. [04:57.560 --> 04:58.560] Oh, come on. [04:58.560 --> 05:19.560] I've done that. Okay, now let me clarify. In my complaint, on the disk it has the information and it has the case laws. There are several of them. And when I file my complaint, I put in private attorney's general fees. [05:19.560 --> 05:35.560] That's what it's called. So when I file my complaint or I send my notice of pending lawsuit, I have $3,000 to it because this is what it cost me acting as a private attorney general to do this work. [05:35.560 --> 05:36.560] Okay. [05:36.560 --> 05:43.560] And if lawyers get compensated for it, why shouldn't I? And here's the case law to support it. [05:43.560 --> 05:58.560] I like that. I like that. Now I have one other question. How long does it take to get this disk? And do I need this disk at this point from where I'm at right now? [05:58.560 --> 06:16.560] Well, I'm not going to count to you on whether you should purchase the disk or not. That would be prejudiced on my part. But it would help you if you're going to go into federal court because it's going to outline everything we talked about. [06:16.560 --> 06:28.560] This attorney general's fees is outlined in there. I do state case laws and I believe there was three cases involved that allowed attorney generals, and this is in the federal courts, okay? [06:28.560 --> 06:29.560] Yes. [06:29.560 --> 06:39.560] Now they're going to fight you on that, the federal court, but that's not the point. All right. Don't pay me $3,000 in attorney. I'll take $1,000. No problem. [06:39.560 --> 06:46.560] And along with the violations and so, you know, $3,000 don't go away, you know? [06:46.560 --> 06:50.560] Now, Mike, you can email people the information. [06:50.560 --> 06:51.560] Absolutely. [06:51.560 --> 06:55.560] Okay. So you can basically get it right away, Ron. [06:55.560 --> 06:57.560] Exactly. Exactly. [06:57.560 --> 07:21.560] And then my next question is, I have another case with the credit card issue that happened, but I'm not going to go into that now. And I'm going to get your course for that and then I want to speak to you and I can give you all the particulars or send you the paperwork or whatever else you'd see because it's quite involved. [07:21.560 --> 07:25.560] And it's all documented with certified mail. [07:25.560 --> 07:31.560] Well, I don't think anything that you have is anything I haven't seen in the past. [07:31.560 --> 07:41.560] No, I'm not saying, but in the event that it is, because this would be a large considerable amount of money because there's fraud, there's all kinds of issues in there. [07:41.560 --> 07:51.560] Like I said, I don't want to take up any more of your time to go into it, but I will purchase this. And how long does it take me to get the disc? [07:51.560 --> 08:00.560] Well, if you – I'm assuming, and this I'm going to refer to Deborah on, the Web site, it's an instant download, is it not? [08:00.560 --> 08:08.560] Well, wait a minute, no, because this is – the PayPal button goes to your account, Mike, and so you deal with it from there. [08:08.560 --> 08:18.560] And like I just said, Ron, it's not necessarily a disc. He can e-mail the materials to you as a zipped up file, and so you would get it immediately. [08:18.560 --> 08:28.560] It will be a Word document. It will be a Word document. As soon as I get notice from PayPal, it generally has your name and address in there, and it's just like doing an eBay thing. [08:28.560 --> 08:38.560] I get notice of that. Make sure you send me your e-mail, okay, in there, and I'll just send it right to your e-mail immediately. [08:38.560 --> 08:48.560] And then – okay. And then if I need to – I want to speak to you on the other issue, how do I – do you send me that information as well? [08:48.560 --> 08:54.560] Right. You'll – my e-mail address is available. I think, Deborah, you do have that on the Web site. [08:54.560 --> 08:56.560] I posted it on the Web site. [08:56.560 --> 09:02.560] Right. So it is there, so you can contact me anytime, even before you get the disc, I believe. [09:02.560 --> 09:03.560] Okay. [09:03.560 --> 09:04.560] Okay. [09:04.560 --> 09:07.560] Now, the only way you have payment is through PayPal? [09:07.560 --> 09:12.560] No. It's a PayPal button, but you can pay with credit cards. [09:12.560 --> 09:13.560] Oh, okay. [09:13.560 --> 09:23.560] Now, if you want to pay with a check or a cashier's check or with some kind of commodities like gold or silver, you would need to contact Mike Maris through e-mail to set that up. [09:23.560 --> 09:24.560] Right. Right. Exactly. [09:24.560 --> 09:27.560] And then there's also the Randi's Beer Fund. [09:27.560 --> 09:28.560] There's a Randi's Beer Fund. [09:28.560 --> 09:29.560] You could use that. [09:29.560 --> 09:30.560] Yeah. Okay. [09:30.560 --> 09:32.560] What kind of beers are you drinking? One style of that. [09:32.560 --> 09:34.560] Oh, boy. [09:34.560 --> 09:39.560] Okay. [09:39.560 --> 09:49.560] It'll be very quick, because I'm constantly checking my e-mails, you know, every day, and as soon as I get noticed that it's there, I'll get right back to you. [09:49.560 --> 09:53.560] I'm pretty anal when it comes to that, being in touch with people and responding. [09:53.560 --> 09:56.560] I'm very quick, generally. [09:56.560 --> 10:02.560] So do you – so doing a credit card is not a problem then for you? [10:02.560 --> 10:04.560] Oh, no. No problem at all. [10:04.560 --> 10:05.560] Credit cards are easy. [10:05.560 --> 10:06.560] They're the easiest ones. [10:06.560 --> 10:07.560] Yeah. [10:07.560 --> 10:08.560] Okay. [10:08.560 --> 10:13.560] Then what I'll do is – and the information is on your Web site, Deborah? [10:13.560 --> 10:14.560] Yes. Yes. [10:14.560 --> 10:24.560] Go – like I said, scroll down to about the middle of the home page underneath the John Bush videos where you'll see the banner ads for the different sponsors. [10:24.560 --> 10:25.560] Yes. [10:25.560 --> 10:41.560] And the newest one is kind of – there's two rows, and then there's the blue one that's right underneath that, and you'll see it's an animated GIF banner ad where it, you know, talks about how Stop That Collector is a Proven Mike Mears Method. [10:41.560 --> 10:45.560] Click on that banner, and then it'll go to another Web page. [10:45.560 --> 10:51.560] It's actually a subpage of ruleoflawradio.com Web site, and it has the information there. [10:51.560 --> 10:55.560] It's got Mike Mears' email address and the button to pay. [10:55.560 --> 10:58.560] If you don't have a PayPal account, you can pay with a credit card. [10:58.560 --> 10:59.560] Okay. [10:59.560 --> 11:07.560] And if – like I said, if you want to pay with some other method privately, then email Mike Mears and set that up privately. [11:07.560 --> 11:08.560] Okay. [11:08.560 --> 11:13.560] And just so you know, you asked me about the credit cards. [11:13.560 --> 11:15.560] I don't know if you heard Mark on here earlier tonight. [11:15.560 --> 11:16.560] Yes. [11:16.560 --> 11:23.560] Mark from Rhode Island – this one case he has right now is a credit card, and it's a considerable amount. [11:23.560 --> 11:24.560] It's more than yours. [11:24.560 --> 11:27.560] And he's got people of judgment on the guy. [11:27.560 --> 11:28.560] Okay. [11:28.560 --> 11:33.560] Of course, they're fight them, but, you know, I don't think it's going to go anywhere. [11:33.560 --> 11:34.560] Right. [11:34.560 --> 11:45.560] The one that I have, like I said, is a considerable more – greater amount, but there's been damage to the credit report and negatives that have been stuck all through this. [11:45.560 --> 11:47.560] It's been stuck all through there, so there's a lot of counts. [11:47.560 --> 11:48.560] Yep. [11:48.560 --> 11:52.560] And just – it's a real complicated, in-depth case. [11:52.560 --> 11:59.560] Well, it may not be as complicated as you think because there isn't too much I haven't heard about this stuff with the amount of people. [11:59.560 --> 12:00.560] No, no. [12:00.560 --> 12:04.560] I'm not – I'm very confident in terms of you that you have no problem. [12:04.560 --> 12:07.560] But it's just – there's a lot of information. [12:07.560 --> 12:08.560] I understand. [12:08.560 --> 12:10.560] I understand the growing. [12:10.560 --> 12:11.560] That's a good point. [12:11.560 --> 12:12.560] Say that. [12:12.560 --> 12:15.560] I've been through stuff with people around the country. [12:15.560 --> 12:16.560] It would amaze you. [12:16.560 --> 12:19.560] It would take me hours to tell all the stories. [12:19.560 --> 12:20.560] All right. [12:20.560 --> 12:22.560] I'll bet you got some good tales to tell. [12:22.560 --> 12:23.560] Oh, boy. [12:23.560 --> 12:24.560] Well, yeah. [12:24.560 --> 12:28.560] And remember, Ron, it's not about the debts or anything like that. [12:28.560 --> 12:30.560] It's about what they've done wrong. [12:30.560 --> 12:31.560] That's right. [12:31.560 --> 12:33.560] Yeah, I'm well aware of this thing. [12:33.560 --> 12:38.560] I mean, you know, like I said, I know how to write letters and stuff, you know, and the deals in there. [12:38.560 --> 12:44.560] But I need the little polishing points here because I'm, you know, at that other level. [12:44.560 --> 12:51.560] And I'm sure that you've gone beyond that to a higher level from this introductory disc. [12:51.560 --> 12:53.560] You probably have some information as well. [12:53.560 --> 12:56.560] Yeah, I don't like to waste a lot of time with these guys. [12:56.560 --> 12:58.560] It gets right to the point. [12:58.560 --> 12:59.560] This is what's going to happen. [12:59.560 --> 13:02.560] Either fix the problem or we're going to take it to that judge and jury. [13:02.560 --> 13:05.560] You always demand trial by jury in these cases. [13:05.560 --> 13:08.560] You want 12 people on a jury to hear this stuff, [13:08.560 --> 13:15.560] especially with all the stuff that's going on today with the banks and the debt equals with the banks [13:15.560 --> 13:18.560] and the billions of dollars we're paying these guys, okay? [13:18.560 --> 13:19.560] Yeah. [13:19.560 --> 13:23.560] And, Mike, didn't you say you are working on Part 2, the advanced course? [13:23.560 --> 13:25.560] Eventually there will be three discs. [13:25.560 --> 13:28.560] The first one is, because that was the one that concerned me the most, [13:28.560 --> 13:33.560] was the debt collector situation because there's so many people who are at problems right now, [13:33.560 --> 13:34.560] just don't know what to do. [13:34.560 --> 13:37.560] The next one will be going after the creditors, [13:37.560 --> 13:41.560] which is what this gentleman will need to do with his credit card, [13:41.560 --> 13:43.560] and the third one will be going after the credit bureaus. [13:43.560 --> 13:45.560] How do you get the credit bureaus into court? [13:45.560 --> 13:48.560] And then let me ask you, you get them into court, [13:48.560 --> 13:50.560] let's say they go to trial because they're going to fight you. [13:50.560 --> 13:54.560] They've got lots of money, the credit bureaus. [13:54.560 --> 13:56.560] You have to do interrogatories. [13:56.560 --> 13:58.560] What do you ask the credit bureau? [13:58.560 --> 14:01.560] What questions do you ask them? [14:01.560 --> 14:04.560] They've got to be the right questions, that's all I can say. [14:04.560 --> 14:08.560] The content is going to be very, very important there. [14:08.560 --> 14:15.560] I have all the questions from previous cases, the appendix to asking the questions, [14:15.560 --> 14:20.560] identifying what is the company, what is an individual, what is a person. [14:20.560 --> 14:26.560] It's all laid out in the interrogatory, and it's all copy and paste. [14:26.560 --> 14:27.560] Sounds good. [14:27.560 --> 14:32.560] Same junk, every tide in every one of these cases, same thing. [14:32.560 --> 14:39.560] Well, that's the whole thing is I like your idea of making the credit companies pay, [14:39.560 --> 14:46.560] because those guys, they think that they're the Lord Almighty sitting up on the mountain, [14:46.560 --> 14:48.560] and they're exempt from everything. [14:48.560 --> 14:50.560] They can do whatever they want. [14:50.560 --> 14:52.560] They don't work for the consumer. [14:52.560 --> 14:54.560] They work for the lenders. [14:54.560 --> 14:57.560] That's the first thing you've got to understand. [14:57.560 --> 15:01.560] They have no interest in you whatsoever. [15:01.560 --> 15:03.560] They don't care. [15:03.560 --> 15:07.560] They're going to do what the banks and the credit card companies tell them to do, [15:07.560 --> 15:10.560] because that's who pays them. [15:10.560 --> 15:12.560] We've got one more caller. [15:12.560 --> 15:16.560] It gets very interesting when you get them into a federal court. [15:16.560 --> 15:22.560] The case I have with the Bureau, I was supposed, I didn't have to be, [15:22.560 --> 15:26.560] but they offered me to settle the day they wanted to depose me. [15:26.560 --> 15:29.560] Their lawyer asked me, he says, we'll give you this amount of money. [15:29.560 --> 15:34.560] We'll fix your credit report any way you want it, his words to me. [15:34.560 --> 15:37.560] And he says, we'll settle right now. [15:37.560 --> 15:38.560] And I looked at him. [15:38.560 --> 15:40.560] I said, well, I don't know if that's a fair amount. [15:40.560 --> 15:42.560] Let's continue, because I wanted to be deposed. [15:42.560 --> 15:44.560] I wanted to know what goes on. [15:44.560 --> 15:47.560] I wanted to learn. [15:47.560 --> 15:50.560] Did you go to the inquisition? [15:50.560 --> 15:53.560] It's six hours long, yes, sir, six hours. [15:53.560 --> 15:54.560] Oh, cool. [15:54.560 --> 15:56.560] Yeah, okay. [15:56.560 --> 15:57.560] Only took a break for lunch. [15:57.560 --> 16:00.560] We started at 9 in the morning, and we finished up at 4 o'clock [16:00.560 --> 16:03.560] and took one hour break for lunch. [16:03.560 --> 16:04.560] That was it. [16:04.560 --> 16:06.560] Excellent. [16:06.560 --> 16:07.560] I have been through this. [16:07.560 --> 16:12.560] I know what they're going to ask, and I know what they're going to do. [16:12.560 --> 16:17.560] Once you learn this one time, it's very simple, very simple. [16:17.560 --> 16:20.560] I want to get paid for this other one especially, [16:20.560 --> 16:24.560] because the other one is real agonizing, but that's for another time. [16:24.560 --> 16:26.560] Anyway, I'll get off this phone. [16:26.560 --> 16:28.560] I want to thank everybody, and thank you again. [16:28.560 --> 16:34.560] We're going to have to call you the debt terminator, give you a new name. [16:34.560 --> 16:35.560] Yes. [16:35.560 --> 16:36.560] Okay, thank you, Ron. [16:36.560 --> 16:39.560] Well, here I am able to be. [16:39.560 --> 16:43.560] All right, we've got one final caller, Randy from Texas. [16:43.560 --> 16:44.560] Randy, thanks for calling in. [16:44.560 --> 16:47.560] What is your question for our guest? [16:47.560 --> 16:50.560] Mike, based on your last show, [16:50.560 --> 16:56.560] I had three credit cards that I wanted to dispute, so I sent this following letter. [16:56.560 --> 17:00.560] This letter is a formal request to correct inaccurate information [17:00.560 --> 17:04.560] contained in my credit files with X-Facts, Experian, blah, blah, blah. [17:04.560 --> 17:07.560] Please provide an affirmed and validated verification of any information [17:07.560 --> 17:09.560] that you're placing in the credit file, [17:09.560 --> 17:13.560] and remove all information which cannot be affirmed and validated. [17:13.560 --> 17:17.560] Please contact me via U.S. Mail only. [17:17.560 --> 17:20.560] It's good, but you're just giving them too much information. [17:20.560 --> 17:22.560] You're being too nice. [17:22.560 --> 17:24.560] You're being too nice. [17:24.560 --> 17:31.560] All I do with these guys is when I have a dispute, [17:31.560 --> 17:34.560] I put my name and their name on the letterhead, [17:34.560 --> 17:38.560] just like you're writing a business letter, my phone number, [17:38.560 --> 17:41.560] and the next thing it says right across underneath their address, [17:41.560 --> 17:43.560] this is a letter of dispute. [17:43.560 --> 17:45.560] I hold my credit report. [17:45.560 --> 17:50.560] I notice you're reporting an account in my credit report, and I dispute it. [17:50.560 --> 17:53.560] That's all you have to do. [17:53.560 --> 17:57.560] The law makes them do things. [17:57.560 --> 18:04.560] The only reason why I provided the affirmed and validated verification is to say, [18:04.560 --> 18:12.560] look, you better send me back something under signature certified, period, which is the records. [18:12.560 --> 18:14.560] You're being a nice guy. [18:14.560 --> 18:17.560] You're nicer than I can be. [18:17.560 --> 18:23.560] This is what I got back on three of them. [18:23.560 --> 18:25.560] If you're questioning information reported to the credit bureau, [18:25.560 --> 18:30.560] please send us a copy of the credit bureau report showing the items in question, [18:30.560 --> 18:33.560] along with a letter of explanation. [18:33.560 --> 18:35.560] They actually put a signature on this. [18:35.560 --> 18:41.560] It's a computer one, but they did write somebody named S. Larson signed it. [18:41.560 --> 18:47.560] The other one I got back says, your letter indicates that you're disputing the existence of [18:47.560 --> 18:52.560] and or liability for the above reference to account for the Fair Debt Collection Practices Act, [18:52.560 --> 18:57.560] which is not true, and they didn't sign that one. [18:57.560 --> 19:01.560] Then the last one came back from somebody that I don't even know who the hell they are. [19:01.560 --> 19:04.560] They're FIA Credit Services. [19:04.560 --> 19:07.560] I know who they are. [19:07.560 --> 19:13.560] They said, thank you for your recent correspondence regarding a billing dispute. [19:13.560 --> 19:18.560] I don't have a billing dispute, but after completing a thorough investigation, [19:18.560 --> 19:28.560] we have determined that your dispute falls outside the guidelines detailed in the Fair Credit Billing Act. [19:28.560 --> 19:30.560] Fair Credit Billing Act? [19:30.560 --> 19:32.560] Oh, yeah. [19:32.560 --> 19:39.560] So I don't even know what the hell that is, but I'm considering all of these as nonresponsive responses, [19:39.560 --> 19:42.560] so it's basically didn't come in. [19:42.560 --> 19:46.560] That's the new Obama Act where they bill us for every dang thing. [19:46.560 --> 19:48.560] Right. [19:48.560 --> 19:53.560] The question I have for you is very simple. [19:53.560 --> 19:57.560] Did they mark your account in dispute when you sent those letters? [19:57.560 --> 19:59.560] That's my next question. [19:59.560 --> 20:04.560] I pulled the credit report right before I sent these. [20:04.560 --> 20:11.560] As soon as I knew that they got them, I sent a letter of dispute to the credit bureaus. [20:11.560 --> 20:16.560] Now my question is, do I need to pull their credit reports again? [20:16.560 --> 20:17.560] Absolutely. [20:17.560 --> 20:21.560] You need to see if they marked those accounts in dispute. [20:21.560 --> 20:25.560] That's why it's important when you do this stuff that you have access, [20:25.560 --> 20:29.560] you can pull your credit report on a regular basis. [20:29.560 --> 20:33.560] Yeah, I like what Mike was saying earlier about having some kind of a service, a monitoring service. [20:33.560 --> 20:40.560] I subscribe to a monitoring service myself so that I can look at my credit report anytime, 24 hours a day, [20:40.560 --> 20:45.560] and look at it on a daily basis so that in fact a lot of these monitoring services, [20:45.560 --> 20:51.560] they will send you email notifications, even text messages if you want to notify you anytime [20:51.560 --> 20:57.560] there's any change at all to your credit report so you will know immediately when something happens so you can react. [20:57.560 --> 20:58.560] Exactly. [20:58.560 --> 21:00.560] That brings up my next question. [21:00.560 --> 21:02.560] Check those out. [21:02.560 --> 21:11.560] You can get one, but if it's not with the particular credit bureau, let's say you get it through Experian, [21:11.560 --> 21:18.560] that one's correct and fully the same as what you could do if you pull the credit report from them, [21:18.560 --> 21:23.560] but the other two are not updated, and so you're not getting real information [21:23.560 --> 21:26.560] because they only update those maybe once a month. [21:26.560 --> 21:32.560] No, we're talking about a private monitoring service that monitors all three credit bureaus, [21:32.560 --> 21:35.560] not a monitoring service through a credit bureau, [21:35.560 --> 21:41.560] but a private monitoring service that monitors all of them as a third party entity. [21:41.560 --> 21:45.560] Okay, well who does that because everyone I've contacted does not do that that way [21:45.560 --> 21:52.560] after you contact them and you grill them, and they say, yeah, well, it's not really the same thing. [21:52.560 --> 21:58.560] There used to be one that I subscribed to when I was doing this all the time because they were excellent. [21:58.560 --> 22:03.560] It was called Privacy Guard, privacyguard.com, I believe, [22:03.560 --> 22:08.560] and at one time with them you could pull your credit reports daily, [22:08.560 --> 22:14.560] and they were an independent agency, and it would show up in your credit report that it was pulled, [22:14.560 --> 22:19.560] but it's a soft pull, so it doesn't affect your score or your credit report in any way. [22:19.560 --> 22:22.560] That's what I use, that's what I use is Privacy Guard. [22:22.560 --> 22:24.560] You use Privacy Guard, there you go. [22:24.560 --> 22:25.560] Yes, that's what I use. [22:25.560 --> 22:30.560] I'm glad you said that because I didn't want to mention anything until I heard what your answer was first, [22:30.560 --> 22:31.560] but that's what I use. [22:31.560 --> 22:34.560] Right, and they're not cheap. [22:34.560 --> 22:35.560] I don't know what they charge. [22:35.560 --> 22:38.560] It used to be about 12 bucks a month or something like that, [22:38.560 --> 22:41.560] but I don't know what they're charging now. [22:41.560 --> 22:46.560] If I went into court and I was going to go after these guys, [22:46.560 --> 22:50.560] I would go back to them and say, hey, you know, I'm signing up again [22:50.560 --> 22:52.560] because I want to be able to get my credit reports. [22:52.560 --> 22:59.560] Right now I am through one of the bureaus who's doing my monitoring, okay, [22:59.560 --> 23:01.560] and they have so far been okay. [23:01.560 --> 23:03.560] I haven't had any issues. [23:03.560 --> 23:07.560] They send me monthly reports, and no news is good news. [23:07.560 --> 23:13.560] The email starts off as we've got nothing to report, nothing has changed in any of your credit reports. [23:13.560 --> 23:17.560] But that is one of the key things to this is your paper trail. [23:17.560 --> 23:21.560] I urge everyone who does this, your paper trail is just going to be better than theirs. [23:21.560 --> 23:28.560] So when you can pull a report in the same timeframe that you sent those letters out [23:28.560 --> 23:33.560] and you can show the reports they see, they didn't mark it in dispute, okay, [23:33.560 --> 23:37.560] and this is all black and white, it just makes your case so much stronger. [23:37.560 --> 23:39.560] Yes, absolutely. [23:39.560 --> 23:44.560] And the other thing, Randy and Mike, also that I noticed, [23:44.560 --> 23:51.560] that you need to monitor your personal profile information on these credit reports [23:51.560 --> 23:54.560] because they spell your name wrong or if you've been married and divorced, [23:54.560 --> 23:58.560] if you're a woman, or sometimes men change their last names too. [23:58.560 --> 24:00.560] It's not that uncommon these days. [24:00.560 --> 24:02.560] They'll have the wrong name. [24:02.560 --> 24:05.560] Sometimes they'll have your ex-spouse on your credit report. [24:05.560 --> 24:10.560] Sometimes your ex-spouse's current credit problems will be on there too. [24:10.560 --> 24:13.560] So they'll have incorrect addresses. [24:13.560 --> 24:19.560] They'll have addresses on there of places you've never lived on and on and on. [24:19.560 --> 24:23.560] So you need to monitor that personal information as well. [24:23.560 --> 24:30.560] And I like the Privacy Guard because they have like the simulators of your credit scores [24:30.560 --> 24:34.560] and what-ifs and like if you had this and that removed, you know, [24:34.560 --> 24:38.560] what your new score would be, and like right now, I think it's an ongoing thing. [24:38.560 --> 24:43.560] You get three months for a dollar, and then after that, [24:43.560 --> 24:48.560] if you cancel within the first three months, then they don't charge you anything else. [24:48.560 --> 24:51.560] After that, they start charging you like $12 a month or whatever. [24:51.560 --> 24:54.560] You can also sign up for an annual fee of like, I don't know, $75 or $80. [24:54.560 --> 24:56.560] I think it's worth it personally. [24:56.560 --> 24:59.560] I've always thought it was good and I've gotten useful information [24:59.560 --> 25:00.560] out of it. [25:00.560 --> 25:01.560] Well, that was it. [25:01.560 --> 25:06.560] And just so you know, what Deborah is saying, when I took the Bureau that I was after [25:06.560 --> 25:10.560] into federal court, one of the things is they kept calling me junior. [25:10.560 --> 25:13.560] I've never been a junior in my life. [25:13.560 --> 25:18.560] I've got birth certificates, United States, you know, state issued birth certificate [25:18.560 --> 25:20.560] with a race seal on it. [25:20.560 --> 25:23.560] I've got United States passport, driver's license. [25:23.560 --> 25:25.560] Nowhere am I a junior. [25:25.560 --> 25:30.560] And I could not get those guys to get that junior out of my credit report [25:30.560 --> 25:34.560] until I got him in that federal court. [25:34.560 --> 25:38.560] That was the reporting erroneous and inaccurate information, guys. [25:38.560 --> 25:39.560] Okay? [25:39.560 --> 25:40.560] You can't do that. [25:40.560 --> 25:45.560] Am I in trouble now that I've sent this letter in November, mid-November, [25:45.560 --> 25:47.560] and it's now this time? [25:47.560 --> 25:49.560] It's still not showing right? [25:49.560 --> 25:51.560] No, they trashed them. [25:51.560 --> 25:53.560] They won't have. [25:53.560 --> 25:55.560] I doubt if they keep you. [25:55.560 --> 25:57.560] You know, how many millions or thousands of letters? [25:57.560 --> 26:00.560] That's why, you know, the credit bureaus can't do a thorough investigation. [26:00.560 --> 26:03.560] Well, no, no, what I'm saying is should I get the credit report [26:03.560 --> 26:07.560] and it won't show it in dispute because it never was? [26:07.560 --> 26:09.560] Is it too late or? [26:09.560 --> 26:11.560] Well, I don't think so. [26:11.560 --> 26:13.560] But you did dispute it with them. [26:13.560 --> 26:15.560] The first letter you sent out was... [26:15.560 --> 26:18.560] I did dispute it with the creditor and the credit bureau. [26:18.560 --> 26:21.560] Yeah, well, the credit bureau doesn't mark it in dispute. [26:21.560 --> 26:25.560] The purpose of you going and disputing this with the bureau [26:25.560 --> 26:30.560] so you can understand how this works is you have sent a letter to the creditor. [26:30.560 --> 26:36.560] The creditor, you monitor that in your certified mailing at the post office site. [26:36.560 --> 26:39.560] You can track it and see the day they get it. [26:39.560 --> 26:42.560] The day they get it, you send your letter out to the bureau. [26:42.560 --> 26:46.560] Now both are doing an investigation. [26:46.560 --> 26:51.560] So the creditor needs to mark your account in dispute [26:51.560 --> 26:54.560] and the bureau should be able to validate that. [26:54.560 --> 27:00.560] And the purpose of this whole thing is that when you take them into federal court [27:00.560 --> 27:03.560] and you say, I'm taking them into federal court, creditor, [27:03.560 --> 27:08.560] because you didn't mark the account in dispute, they'll come back and say, oh, yeah, we did. [27:08.560 --> 27:10.560] It was the credit bureau. [27:10.560 --> 27:12.560] They screwed up. They didn't listen to us. [27:12.560 --> 27:18.560] They made a mistake and then you can sit there and go, because I disputed with them [27:18.560 --> 27:23.560] and they said they're reporting it correctly in the same timeframe [27:23.560 --> 27:26.560] that you were supposed to be marking it in dispute. [27:26.560 --> 27:27.560] Yes, and you know what? [27:27.560 --> 27:30.560] When you do that, when you dispute with the credit bureaus, [27:30.560 --> 27:34.560] they will send you a letter back in writing on paper [27:34.560 --> 27:38.560] and they will let you know what they are going to do, [27:38.560 --> 27:43.560] whether they will mark it in dispute or not or whatever the situation is. [27:43.560 --> 27:46.560] So you have that and keep the envelope to, [27:46.560 --> 27:49.560] I tell people to keep the envelopes of all these correspondences [27:49.560 --> 27:52.560] so that you have the postmark dates and everything. [27:52.560 --> 27:53.560] Yep. [27:53.560 --> 28:00.560] So basically I haven't gotten the letters back from the credit bureau as to what they're doing. [28:00.560 --> 28:04.560] But you're saying that that letter, when they send it back, they're going to say, [28:04.560 --> 28:10.560] you know, we found nothing wrong and that's my proof that the creditor didn't put it in dispute. [28:10.560 --> 28:11.560] Yes. [28:11.560 --> 28:13.560] That's correct. [28:13.560 --> 28:17.560] They're going to come back and say we're reporting this correctly. [28:17.560 --> 28:22.560] They're going to say we checked with the creditor [28:22.560 --> 28:26.560] and we find that we are reporting this correctly. [28:26.560 --> 28:29.560] Well, you heard my responses from the creditors. [28:29.560 --> 28:33.560] They're totally blowing off when I ask them for it [28:33.560 --> 28:36.560] or going somewhere else completely. [28:36.560 --> 28:37.560] Yeah. [28:37.560 --> 28:38.560] They're lost. [28:38.560 --> 28:39.560] They don't care. [28:39.560 --> 28:42.560] And they won't care until you get them into that federal court. [28:42.560 --> 28:47.560] And then, see, when you start dealing with these guys, their lawyers and what have you, [28:47.560 --> 28:51.560] these are the guys that can get the stuff done because you're not dealing with a clerk. [28:51.560 --> 28:52.560] Yeah. [28:52.560 --> 28:53.560] I've been there. [28:53.560 --> 28:54.560] I know. [28:54.560 --> 29:02.560] I've had the lawyers go right back when I had the bureau in. [29:02.560 --> 29:09.560] The lawyer sent me, had the bureau send me an updated credit report with the alleged fixes on it. [29:09.560 --> 29:11.560] I called them up and I said, no, this isn't right. [29:11.560 --> 29:12.560] This isn't right. [29:12.560 --> 29:14.560] And he says, okay, I'll let them know. [29:14.560 --> 29:17.560] Next day at my door, Federal Express has a new credit report. [29:17.560 --> 29:20.560] You try getting the credit report from the bureau in 24 hours. [29:20.560 --> 29:23.560] Let me know how you make out. [29:23.560 --> 29:24.560] Okay? [29:24.560 --> 29:25.560] That report came in. [29:25.560 --> 29:26.560] I looked it over. [29:26.560 --> 29:28.560] I found one or two other things that were wrong. [29:28.560 --> 29:30.560] I called the lawyer up again. [29:30.560 --> 29:32.560] He said, okay, we'll get them fixed. [29:32.560 --> 29:36.560] Next day, DedEx at the door, here's the new report, called the lawyer up. [29:36.560 --> 29:38.560] I said, everything looks good. [29:38.560 --> 29:39.560] Okay? [29:39.560 --> 29:40.560] He says, I'll let them know. [29:40.560 --> 29:42.560] Very good. [29:42.560 --> 29:46.560] That's the kind of power you have when you're doing this stuff. [29:46.560 --> 29:47.560] Okay? [29:47.560 --> 29:50.560] But they've got a lawyer telling them to fix this. [29:50.560 --> 29:52.560] You know, we've got a settlement agreement. [29:52.560 --> 29:54.560] We want to get this over and done with. [29:54.560 --> 29:56.560] And they just do what he's telling them. [29:56.560 --> 29:58.560] Then they'll put you in the credit bureaus. [29:58.560 --> 30:00.560] There's one bureau that I went after. [30:00.560 --> 30:03.560] I'm now in what they call special handling. [30:03.560 --> 30:09.560] When I call up the bureau and I've got an issue, the clerk asks you, [30:09.560 --> 30:12.560] always asks everybody, I need your Social Security number. [30:12.560 --> 30:18.560] As soon as I give that to them, the clerk responds to me, oh, sir, I can't talk to you. [30:18.560 --> 30:21.560] I have to turn you over to special handling. [30:21.560 --> 30:26.560] And in the back of my mind, I'm thinking, you're damn right, I am special. [30:26.560 --> 30:30.560] And then they turn you over to somebody in management who handles your account. [30:30.560 --> 30:32.560] You don't deal with clerks anymore. [30:32.560 --> 30:36.560] And by the way, that's where they put the senators, the congressmen, the judges, [30:36.560 --> 30:44.560] actors, or all the special handling because the bureaus don't want any bad publicity from those guys. [30:44.560 --> 30:45.560] Okay? [30:45.560 --> 30:47.560] You getting the picture? [30:47.560 --> 30:49.560] I got it. [30:49.560 --> 30:51.560] Last question. [30:51.560 --> 30:52.560] Go ahead. [30:52.560 --> 30:54.560] How do I get you on PACER? [30:54.560 --> 30:57.560] I signed up for PACER and I cannot find you. [30:57.560 --> 31:02.560] It seems to me I have to know where you are to find you. [31:02.560 --> 31:09.560] Yeah, I knew you were looking for me, so I made sure that you couldn't find me. [31:09.560 --> 31:11.560] No, I'm just kidding. [31:11.560 --> 31:12.560] I'm just kidding. [31:12.560 --> 31:21.560] When you go to PACER, if you go to the home page, okay, you should see a block come up in the corner [31:21.560 --> 31:29.560] and it will say, you know, like district, party's name, party versus so-and-so, and so on and so forth. [31:29.560 --> 31:34.560] And you shouldn't be able to type somebody's name in there or company or whatever. [31:34.560 --> 31:37.560] You put my last name in there, it's going to come up. [31:37.560 --> 31:40.560] I can assure you of that because I've done it myself many times. [31:40.560 --> 31:47.560] I've gone in there and looked at the cases and I know Randy has done that. [31:47.560 --> 31:49.560] I'm pretty sure he has. [31:49.560 --> 31:56.560] And all you've got to do is get to the right, to the main page, the home page, I think it's called, [31:56.560 --> 31:59.560] and you'll see there will be a box up there to perform a query. [31:59.560 --> 32:05.560] And it's like I tell people, these debt collectors like the CCC, you put them in there. [32:05.560 --> 32:09.560] I bet you they've been sued more times than you shake a stick at, okay? [32:09.560 --> 32:15.560] And you find out who you're going up against and you'll see immediately these guys are bad news. [32:15.560 --> 32:18.560] They've been sued 100 times. [32:18.560 --> 32:20.560] But that's how you should be able to do it. [32:20.560 --> 32:22.560] You should be able to get to the home page. [32:22.560 --> 32:33.560] A query box should come up and the box should say case number or party's name, lawyer's name, any of that stuff. [32:33.560 --> 32:40.560] You put one of those things in and hit it and bang, it should take you right to my six cases. [32:40.560 --> 32:42.560] Well, you know, it's weird. [32:42.560 --> 32:48.560] I go to the home page and there's a little bar that says search and it says site search. [32:48.560 --> 32:51.560] You go there and you put in your name and it just says nothing. [32:51.560 --> 32:59.560] There's another thing where you can find the different – they have every flippin' district and all that. [32:59.560 --> 33:07.560] And you can search each one of those, but unless I know which one of those to look in, I don't know what the deal is. [33:07.560 --> 33:14.560] I don't know, maybe you're just not familiar with it, but anyhow, five of the cases are in the Alabama courts, [33:14.560 --> 33:26.560] Northern Circuit, okay, Northern Division of Alabama, and one is in Iowa, in Des Moines, out of Des Moines. [33:26.560 --> 33:29.560] So that should clear you up right there. [33:29.560 --> 33:34.560] And his last name is spelled M-I-R-R-A-S. [33:34.560 --> 33:36.560] And you said the Northern District of Alabama? [33:36.560 --> 33:40.560] Right. [33:40.560 --> 33:42.560] Yeah, it's a typical government site. [33:42.560 --> 33:45.560] It's very confusing. [33:45.560 --> 33:47.560] Yep. [33:47.560 --> 33:50.560] I just can't believe how worthless it is, honestly. [33:50.560 --> 33:53.560] But anyway, well, that's all I've got. [33:53.560 --> 33:55.560] I'll let you know how this works out. [33:55.560 --> 34:02.560] Do you have any case number that you could give, one of the case numbers, Mike? [34:02.560 --> 34:08.560] I don't have it immediately in front of me, but you can contact me via email. [34:08.560 --> 34:11.560] If you don't find it, I'll get it back to you. [34:11.560 --> 34:21.560] And by the way, in the Alabama cases, it's in Birmingham, and in Iowa, it's in Des Moines, okay? [34:21.560 --> 34:24.560] And I don't remember the district numbers. [34:24.560 --> 34:30.560] I think in Alabama, it's the Ninth Circuit, but don't hold me to that. [34:30.560 --> 34:33.560] Okay, I think I can find it from that. [34:33.560 --> 34:38.560] It's just the only thing I could ever find in this was you had to know the district and all that, [34:38.560 --> 34:41.560] and it was just, you know, there's this huge list. [34:41.560 --> 34:45.560] And I was like, well, I would think you could search the whole thing. [34:45.560 --> 34:49.560] When you get to the main page, if you look around the main page, [34:49.560 --> 34:53.560] I think you'll find the link that will look you up to that. [34:53.560 --> 34:54.560] Yeah. [34:54.560 --> 34:55.560] Okay. [34:55.560 --> 34:56.560] You've got to play with it a little bit. [34:56.560 --> 35:01.560] I had to learn my way around there. It took a while to find everything, [35:01.560 --> 35:04.560] but now I'm pretty good at it when I get there. [35:04.560 --> 35:07.560] You know, if I'm going up against somebody, I want to know about a lawyer. [35:07.560 --> 35:12.560] When these lawyers come on these cases, I want to know who I'm going up against. [35:12.560 --> 35:17.560] There's an old saying, know thy enemy, okay? [35:17.560 --> 35:21.560] So I'll go in there and I'll put a query in for the lawyer and find out that, [35:21.560 --> 35:26.560] hell, this frigging lawyer's never even been in federal court, okay? [35:26.560 --> 35:34.560] Or I want to find out about, you know, I mean, go in and query FIA card services, okay? [35:34.560 --> 35:35.560] You'll find the cases. [35:35.560 --> 35:39.560] You'll find out who they are very, very quickly. [35:39.560 --> 35:45.560] And you'll learn from this, and once you learn this stuff, you feel even better. [35:45.560 --> 35:46.560] You know, you can care less. [35:46.560 --> 35:50.560] These guys have been sued so many times, it's not, there's nothing wrong with you. [35:50.560 --> 35:52.560] It's them. [35:52.560 --> 35:56.560] Well, is FIA a collection agency or a credit card? [35:56.560 --> 35:59.560] No, no, no, no. [35:59.560 --> 36:02.560] They're part of Bank of America now, bought them. [36:02.560 --> 36:07.560] They were a credit card issuer. [36:07.560 --> 36:15.560] And then they got sold, I believe, to MB&A, and then MB&A got purchased by Bank of America. [36:15.560 --> 36:22.560] But Bank of America is now FIA card services, and I know that for a fact because I'm not going to mention [36:22.560 --> 36:27.560] the gentleman's name because I don't want to, he's in court with them right now. [36:27.560 --> 36:30.560] But he's got them in court. [36:30.560 --> 36:31.560] That was part of the case. [36:31.560 --> 36:33.560] It was FIA card services. [36:33.560 --> 36:42.560] And that's the case that they got the $80,000 default judgment on them. [36:42.560 --> 36:45.560] Well, let's see if we can break that record. [36:45.560 --> 36:48.560] Okay. [36:48.560 --> 36:48.560] All right. [36:48.560 --> 36:49.560] Thank you, Mike. [36:49.560 --> 36:51.560] Thank you, Randy. [36:51.560 --> 36:52.560] Okay. [36:52.560 --> 36:55.560] I have one quick question for you. [36:55.560 --> 36:57.560] I'm not going to answer any questions from you. [36:57.560 --> 36:58.560] Oh, would you? [36:58.560 --> 37:00.560] Come on. [37:00.560 --> 37:09.560] Concerning these credit bureaus and disputing things with the credit bureau or sending them notifications [37:09.560 --> 37:20.560] or what have you, I've had a lot of difficulty getting things in the mail to Experian. [37:20.560 --> 37:29.560] Apparently, their mailing address, they really try to hide it, and they have an online dispute form, [37:29.560 --> 37:31.560] but I don't want to dispute online. [37:31.560 --> 37:34.560] I want to send them things certified mail. [37:34.560 --> 37:40.560] Do you have a current legitimate mailing address for Experian? [37:40.560 --> 37:41.560] You're going to love this. [37:41.560 --> 37:47.560] I don't have their address off the top of my head, but they're in McAllen, Texas. [37:47.560 --> 37:48.560] Okay. [37:48.560 --> 37:49.560] Okay. [37:49.560 --> 37:52.560] That's where they're headquartered, and that's where they work out of. [37:52.560 --> 37:53.560] Oh, they're neighbors. [37:53.560 --> 37:54.560] Good. [37:54.560 --> 37:55.560] Yeah. [37:55.560 --> 37:56.560] All right. [37:56.560 --> 37:57.560] Okay. [37:57.560 --> 38:02.560] And then the other one is Equifax, and I believe they're out of Atlanta. [38:02.560 --> 38:06.560] Right, I've been able to get things to the other two credit agencies, just not them. [38:06.560 --> 38:11.560] And TransUnion is in Pennsylvania. [38:11.560 --> 38:15.560] That much I do know without having the exact papers out here in front of me, [38:15.560 --> 38:20.560] but they're in McAllen, Texas, and I think you can go out and do a map quest, [38:20.560 --> 38:25.560] and I think you'll find their exact address under businesses. [38:25.560 --> 38:26.560] Oh, okay. [38:26.560 --> 38:27.560] That's a good tip. [38:27.560 --> 38:28.560] Okay. [38:28.560 --> 38:29.560] Okay. [38:29.560 --> 38:30.560] All right. [38:30.560 --> 38:31.560] Very good. [38:31.560 --> 38:37.560] I thought you were going to ask me a serious question. [38:37.560 --> 38:38.560] Well. [38:38.560 --> 38:40.560] Like how to go after the Bureau. [38:40.560 --> 38:43.560] That hasn't been touched on tonight. [38:43.560 --> 38:48.560] Well, I was going to lead into that, and that was one of the reasons I was saying, [38:48.560 --> 38:52.560] you know, how do you go after them if you don't know where to mail them anything? [38:52.560 --> 38:53.560] Well, that's true. [38:53.560 --> 38:57.560] But the point is, here's the situation with when you go after the Bureau, [38:57.560 --> 38:59.560] and you sue them, and you get them in the federal court, [38:59.560 --> 39:01.560] and you got them on all the broken laws, [39:01.560 --> 39:04.560] and all the failure to do a proper investigation, which they never do. [39:04.560 --> 39:06.560] They don't have the time. [39:06.560 --> 39:09.560] You've got millions of people writing letters to these guys every day. [39:09.560 --> 39:11.560] They've got 200 clerks in there, [39:11.560 --> 39:14.560] and the clerks are instructed to take six minutes to do an investigation. [39:14.560 --> 39:15.560] Okay. [39:15.560 --> 39:17.560] Here's the problem. [39:17.560 --> 39:23.560] Let's say you've got five creditors on your credit report that you want to get rid of. [39:23.560 --> 39:26.560] You can take the Bureau in, and instead of going after the five creditors, [39:26.560 --> 39:28.560] you go after the Bureau. [39:28.560 --> 39:33.560] You only got five or one case instead of five separate cases on the creditors. [39:33.560 --> 39:36.560] But here's the problem. [39:36.560 --> 39:38.560] You win. [39:38.560 --> 39:40.560] You'll get them off your credit report, [39:40.560 --> 39:43.560] but you haven't stopped those guys from coming after you, the creditors. [39:43.560 --> 39:46.560] So what they will do is turn over to debt collector, [39:46.560 --> 39:50.560] and then you'll deal with, you know, the five creditors through debt collectors. [39:50.560 --> 39:55.560] But you'll have a perfectly clean credit report. [39:55.560 --> 39:58.560] So that's the downside of doing it that way. [39:58.560 --> 40:02.560] You've got old cards in there that are due to expire soon, [40:02.560 --> 40:08.560] and that is one of the ways to go about getting that junk off your credit report, [40:08.560 --> 40:11.560] where it's past the statute of limitations. [40:11.560 --> 40:16.560] Every state, that's what Jeff had asked me, talks about statute of limitations on credit cards. [40:16.560 --> 40:19.560] Every state is different. [40:19.560 --> 40:22.560] Some states are three years, some states are six years, [40:22.560 --> 40:26.560] but it still stays on your credit report for seven years, [40:26.560 --> 40:28.560] and longer if you let them. [40:28.560 --> 40:30.560] Leave it there, okay? [40:30.560 --> 40:35.560] But that's the decision you have to make up in your own mind how you want to proceed. [40:35.560 --> 40:38.560] You can go after the Bureau, get the report all cleaned up, [40:38.560 --> 40:44.560] but if you've got current issues on there, they're still going to come after you. [40:44.560 --> 40:53.560] And by doing that, okay, you jeopardize your chances of bringing them into federal court [40:53.560 --> 40:58.560] because it's easier to rack up violations under fair credit reporting violations [40:58.560 --> 41:03.560] than it is under debt collection. [41:03.560 --> 41:04.560] Comprende? [41:04.560 --> 41:05.560] Yes. [41:05.560 --> 41:09.560] Okay. [41:09.560 --> 41:13.560] I didn't know you spoke Spanish. [41:13.560 --> 41:19.560] I speak Spanish, grande puta. [41:19.560 --> 41:21.560] Oh, come on, Randy. [41:21.560 --> 41:23.560] Taco, enchilada. [41:23.560 --> 41:24.560] Yeah, enchilada. [41:24.560 --> 41:25.560] Oh, boy. [41:25.560 --> 41:26.560] Free holies. [41:26.560 --> 41:28.560] That's about the extent of it. [41:28.560 --> 41:29.560] Okay. [41:29.560 --> 41:31.560] It's been a great show. [41:31.560 --> 41:32.560] Yes, thank you. [41:32.560 --> 41:33.560] I heard somebody say my name. [41:33.560 --> 41:34.560] Was that Jeff? [41:34.560 --> 41:35.560] Yes, that's Jeff. [41:35.560 --> 41:36.560] Hey, Jeff. [41:36.560 --> 41:42.560] The Fair Credit Billing Act, that applies to the original creditor. [41:42.560 --> 41:43.560] Yeah. [41:43.560 --> 41:48.560] And you can also pull that down on the FDC website, [41:48.560 --> 41:55.560] and there are many parallel rules to the FDCPA within the Fair Credit Billing Act. [41:55.560 --> 41:56.560] Yeah. [41:56.560 --> 42:02.560] What causes me to wonder is if you sent that off to an original creditor, [42:02.560 --> 42:06.560] what's a third-party debt collector doing contacting him back? [42:06.560 --> 42:07.560] Yeah. [42:07.560 --> 42:09.560] Yeah. [42:09.560 --> 42:11.560] Okay. [42:11.560 --> 42:12.560] Good point. [42:12.560 --> 42:16.560] You know, yeah, well, nothing surprises me with these guys, [42:16.560 --> 42:19.560] but you've got to stay focused on the points. [42:19.560 --> 42:23.560] You know, get them to violate the law, get them not to follow the rules, [42:23.560 --> 42:24.560] and then nail them. [42:24.560 --> 42:26.560] It's that simple. [42:26.560 --> 42:28.560] Also, Deborah? [42:28.560 --> 42:29.560] Yes. [42:29.560 --> 42:31.560] I sent the mailing addresses, the phone numbers, [42:31.560 --> 42:35.560] and the e-mail addresses for all three credit bureaus to you. [42:35.560 --> 42:36.560] Oh, thank you. [42:36.560 --> 42:37.560] Thank you, Jeff. [42:37.560 --> 42:38.560] You're welcome. [42:38.560 --> 42:39.560] Thank you, Jeff. [42:39.560 --> 42:40.560] Appreciate that. [42:40.560 --> 42:43.560] And I'm going to wish you all a very, very good evening. [42:43.560 --> 42:45.560] Oh, and good evening to you. [42:45.560 --> 42:48.560] Any closing comments, Eddie, Randy, Mike? [42:48.560 --> 42:49.560] Yeah. [42:49.560 --> 42:51.560] Jeff, it's way past your big bedtime. [42:51.560 --> 42:55.560] Oh, isn't it, though? [42:55.560 --> 43:03.560] Yeah, I commented the other day about Jeff that I think he's the only guy I know who's older than me. [43:03.560 --> 43:04.560] Oh, boy. [43:04.560 --> 43:05.560] I'm older than Dirt. [43:05.560 --> 43:10.560] Yeah, I've got some out in the front yard that I'm older than. [43:10.560 --> 43:16.560] Yeah, I remember when General Electric was a private. [43:16.560 --> 43:17.560] All right. [43:17.560 --> 43:19.560] Eddie, any closing comments? [43:19.560 --> 43:20.560] No, I'm good. [43:20.560 --> 43:21.560] Okay. [43:21.560 --> 43:22.560] Mike? [43:22.560 --> 43:23.560] No, I'm good. [43:23.560 --> 43:24.560] I'm done. [43:24.560 --> 43:25.560] Okay. [43:25.560 --> 43:29.560] Well, I'm just going to promote a shameless self-promotion for our guests and for ourselves. [43:29.560 --> 43:39.560] Folks, if you'd like to get Mike Mears' package, the Juris Dictionary, I'll call it, of how to get debt collectors off your back, [43:39.560 --> 43:44.560] how to go after them in federal court, please go to our website, ruleoflawradio.com. [43:44.560 --> 43:47.560] Scroll down to about the middle of the page where the banner ads are. [43:47.560 --> 43:51.560] You'll see the brand-new blue banner ad that I've made today. [43:51.560 --> 43:52.560] Click on that. [43:52.560 --> 44:00.560] It'll go to another webpage, a subpage of ours where you can get the information, and you can pay either through PayPal [44:00.560 --> 44:06.560] or with any major credit card to purchase Mike's materials. [44:06.560 --> 44:09.560] Also, his email address is there. [44:09.560 --> 44:17.560] If you'd like to purchase the materials either through a check, cashier's check, money order, or commodities, any other means, barter, [44:17.560 --> 44:22.560] exchange, whatever, then contact Mike through his email for that. [44:22.560 --> 44:28.560] And remember, a portion of the proceeds do go to support the network, and we do need the support. [44:28.560 --> 44:36.560] So beat up these credit card banksters at the same time as you will be helping keep us on the air. [44:36.560 --> 44:45.560] And we should have the traffic seminar materials ready for download and also ready for purchase through Brave New Books on DVD. [44:45.560 --> 44:47.560] You'll be able to order through Brave New Books. [44:47.560 --> 44:48.560] You'll be able to get it. [44:48.560 --> 44:50.560] They will mail it to you. [44:50.560 --> 44:51.560] They will ship it to you. [44:51.560 --> 44:53.560] You can buy it in store. [44:53.560 --> 44:59.560] And you will also be able to order it through us for download come Monday. [44:59.560 --> 45:04.560] I think I've finally finished everything else I need to do to get that wrapped up for you guys by Monday. [45:04.560 --> 45:10.560] So thank you, gentlemen, for joining us tonight, and we will see you all this coming Monday. [45:10.560 --> 45:15.560] Good night. [45:41.560 --> 45:44.560] Some of them just a thinker. [45:44.560 --> 45:48.560] Some of them just a ripper. [45:48.560 --> 45:51.560] Some of them just a martyr. [45:51.560 --> 45:54.560] And some of them just a barter. [45:54.560 --> 45:57.560] No bother come with your silver. [45:57.560 --> 46:01.560] Back up, back up. [46:01.560 --> 46:04.560] No bother come with your ringer. [46:04.560 --> 46:08.560] Back up, back up. [46:08.560 --> 46:12.560] No bother come with your ringer. [46:12.560 --> 46:15.560] Some of them just a wonder. [46:15.560 --> 46:18.560] And some of them just a looker. [46:18.560 --> 46:22.560] No bother come with your toaster. [46:22.560 --> 46:25.560] You better come with your ringer. [46:25.560 --> 46:29.560] Back up, back up. [46:29.560 --> 46:32.560] No bother come with your ringer. [46:32.560 --> 46:36.560] Back up, back up. [46:36.560 --> 46:40.560] No bother come with your ringer. [47:06.560 --> 47:09.560] Some of them just a thinker. [47:09.560 --> 47:13.560] Some of them just a ripper. [47:13.560 --> 47:16.560] Some of them just a martyr. [47:16.560 --> 47:20.560] And some of them just a barter. [47:20.560 --> 47:23.560] No bother come with your silver. [47:23.560 --> 47:26.560] Back up, back up. [47:26.560 --> 47:29.560] No bother come with your ringer. [47:29.560 --> 47:33.560] Back up, back up. [47:33.560 --> 47:36.560] No bother come with your ringer. [47:36.560 --> 47:39.560] Some of them just a thinker. [47:39.560 --> 47:43.560] And some of them just a looker. [47:43.560 --> 47:46.560] Some of them just a toaster. [47:46.560 --> 47:50.560] Back up, back up. [47:50.560 --> 47:53.560] No bother come with your ringer. [47:53.560 --> 47:56.560] Back up, back up. [47:56.560 --> 48:00.560] No bother come with your ringer. [48:00.560 --> 48:03.560] Some of them just a toaster. [48:03.560 --> 48:07.560] Some of them just a ripper. [48:07.560 --> 48:10.560] Some of them just a toaster. [48:10.560 --> 48:13.560] Some of them just a martyr. [48:13.560 --> 48:17.560] Back up, back up. [48:17.560 --> 48:20.560] No bother come with your ringer. [48:20.560 --> 48:30.560] Back up, back up. [48:50.560 --> 49:05.560] Back up, back up.